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

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

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

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

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

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

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

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

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

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

Firms that translate AI-driven data into clear insight will lead the next era of advisory. By Rory Henry CFP®, BFA™For CPA TrendlinesFew people have been able to bridge the gap between emerging technology and the accounting profession the way Dr. Sean Stein Smith does. A CPA, researcher, Forbes contributor, and professor at Lehman College, Stein Smith serves on the advisory board of the Wall Street Blockchain Alliance and has spent more than a decade helping practitioners make sense of blockchain, crypto, and artificial intelligence.  MORE Rory Henry and The Holistic Guide to Wealth Management BUY the Holistic Guide to Wealth Management MORE Dr. Sean Stein Smith | Crypto Tax Planning – Beyond the Basics & What Practitioners Need to Know Going Forward | Dec. 11, 12:30 p.m. ET | On-Demand “The whole blockchain conversation has moved from the back burner to the front [burner],” he says. “Every major financial institution is entering the on-chain space.”And CPAs can no longer afford to ignore it.  

Kik a leggazdagabb magyarok versenytársai a közép-kelet-európai régióbanó? Miből gazdagodtak meg a legvagyonosabbak Szlovákiában, Csehországban, Romániában, Horvátországban, Lengyelországban, Ukrajnában? Erről beszélget Pogi Gólya Ágnessel, a Forbes50 szerkesztőjével, illetve Zsiborás Gergővel, a Forbes főszerkesztőjével.

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

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

Group Guide Use this guide to help your group discussion as you meet this week. TranscriptIf you will, grab a Bible and go to Acts chapter 17. It's our first week of our Give series. Recently, Starbucks released a barista cup and it's precious. That's it. That's the barista cup. There was an article about it in Forbes titled Starbucks Barista cup frenzy leaves big lessons for brands. So I just want to read the beginning of this article for you. It says the Starbucks barista cup caused a frenzy online and in stores. I don't exactly know what an online frenzy looks like, but that cup calls one. When Starbucks announced the release of limited edition holiday merchandise, including the bear shaped $29.95 glass cold cup, which you thought that the temperature of your cup was up to, you Incorrect. This is a cold cup. Actually, I think what it means is if you put hot coffee in it, you're going to burn your hand. So it's a cold cup. It says as part of their holiday menu, few people expected overnight queues in store brawls and a booming resale market. People camped out and fist fought each other. Then it says, beyond the surreal headlines, there are some valuable marketing lessons from the Starbucks bear cup drama. Starbucks barista cup has tapped into an undeniable human truth. I was on the edge of my seat reading this article. The barista cub has tapped into an undeniable human truth. And I had a lot of guesses, none of which prepared me for the answer. So here's the answer. People are obsessed with cuteness. Starbucks released 12 holiday items, but only one captured the public imagination. Cuteness is the primary explanation for the barista cup frenzy. Overnight cues, fist fights, cuteness, which makes a little bit of sense because you know you've seen like a baby so cute before that you punched its mother.I would argue that Forbes analysis is incomplete. Cuteness may have contributed, but I think there are other undeniable human truths at work here. You know, as a pastor, I'm going to float sin out there. I also think that one of the things that this indicates to us is the absolute human ability to, to get our priorities out of line, to misplace value in things. That if you're punching someone for a cup because of the cuteness, your value system is off. And it's a real danger that we're all in. I think when I read these, sometimes I think like I'll read and go, oh my goodness, laugh at it and think, that would never, I would never do that. But really what I'm saying is I would never do that for a bear shaped Starbucks cup. I just have other things I'm willing to punch you for. I have other things that I've misplaced value in. Like, it just should give us the undeniable human truth that we are able to get our priorities out of, out of line. We're able to misplace value. We're able to suddenly think that something is more important than it is and to spend our time and our energy and our money on it. And that that is one of the primary reasons that we have our Give season, our Give series every Christmas season is that we're going to be pushed and pulled in a million different directions and told repeatedly that certain things have value that do not. And we want to always take this time to consider what actually is valuable and are we sending our effort and our money in the right direction.So let's pray then we're going to start in on trying to figure this out together this morning. Lord, we ask for wisdom. We ask for discernment. We ask for the work of the Spirit to help us make correct valuations so that we do not waste our time and specifically for what we're talking about today, that we do not waste our money on things that have no real value. In Jesus name, Amen. Because of our ability to get this wrong, it's always very helpful for us when the Bible just tells us this has value, when it just steps in and explains to us this thing is valuable, it helps us know, okay, then that's something to pursue. That's something worth giving energy towards. I don't want to give away all of what we're doing in our Give series, but we're about to talk about Paul's missions efforts in the Book of Acts. So we're going to walk through. What we're going to do is walk through some of Paul's missionary journey, discuss it, see what's going on here, and then we're going to see something that's behind it, something that's at work in it that the passage doesn't talk about, but that we find out later as we read Paul's letter. So we're going to be in Acts chapter 17. We're going to watch Paul as he goes, who have just been in Philippi, in Acts 16, saw a few people converted to Christianity, got arrested and was beaten and then released. So he leaves. We're going to follow him as he goes to Thessalonica, Berea, and then on a boat down to Athens and then from Athens over to Corinth. And we're going to move pretty fast because It's a couple chapters of text, and we're just trying to follow along and see some of what's going on here.So. Acts, chapter 17, verse 1.> it says now, when they had passed through Amphipolis and Apollonia, they came to Thessalonica, where there was a synagogue of the Jews. And Paul went in, as was his custom. And on three Sabbath days, he reasoned with them from the Scriptures, explaining and proving that it was necessary for the Christ to suffer and rise from the dead, saying, this Jesus, whom I proclaim to you, is the Christ.So part of Paul's missionary strategy was when he went to a city, if there was a synagogue, he went to the synagogue because they were going to be studying the Scriptures. And so he would go and start showing them in the Scriptures that Jesus had fulfilled the promises of the Messiah. It's one of the things that we do around Christmas time. We read some of these passages like we read earlier, and we see that Jesus is the fulfillment of the promises made to the Jewish people that he is their Messiah. And that's what he's doing. He's saying, the Christ has come. Jesus has fulfilled this. And he does this for three weeks every Sabbath day. And some of them were persuaded and joined Paul and Silas, as did a great many of the devout Greeks and not a few of the leading women. But the Jews were jealous. And that's where it goes into. After that verse, it's going to talk to us about. As people start to believe, some of the people in the area begin to fight against Paul. They actually attack them. And Paul and Silas sneak out at night. And so they were only there for a couple of weeks. They're seeing people believe and they're run out of town. So let's pick back up in verse 10 as the brothers immediately sent Paul and Silas away by night to Berea.> As the brothers immediately sent Paul and Silas away by night to Berea.So the brothers being the people who have just believed, it's just the beginnings of a church. And they're like, hey, we live here, but y' all, don't they want to hurt you, not us. Y' all get out of here. And we're going to keep following, figuring this out. And when they arrived, this is in Berea, they went into the Jewish synagogue. So Paul was like, I know my strategy. We're going back. Didn't work well last time, but we're going to do it this time. And it did work in some ways, because people believed. He's like, this is working. Even though some people hated me and wanted to Kill me. So he keeps going.> Now, these Jews were more noble than those in Thessalonica. They received the word with all eagerness.I just love that that note was in there. Just like these people were better than the ones in Thessalonica. And that's in Scripture, and it's there forever, you guys. All right? Many of them therefore believed with not a few Greek women of high standing as well as men. But when the Jews from Thessalonica learned that the word of God was proclaimed by Paul at Berea also, they came there, too, agitating and stirring up the crowd.So we don't exactly know how long he was in Berea, but. But he was there long enough for people to believe and for that to become such a thing that's happening there that they find out in Thessalonica. So they're like, oh, well, he's just going to keep at it. So they head over there to run him off out of Berea. Then it says, the brothers immediately sent Paul off on his way to the sea. But Silas and Timothy remained there. And those who conducted Paul brought him as far as Athens. And after receiving a command for Silas and Timothy to come to him as soon as possible, they departed.So Silas and Timothy stay. They sneak Paul out to a boat and ride him down to Athens. And then he says, when y' all get back, tell Silas and Timothy to come to me. And then he's hanging out in Athens by himself. While he's in Athens, he finds out that there's a place in Athens. There doesn't seem to. He does go to a Jewish synagogue. Then he also finds out that there's a place in Athens where they just gather and share news and anything new and debate new topics and new ideas. So he goes there and starts proclaiming the Gospel. And we're going to pick up in that.> The times of ignorance God overlooked. But now he commands all people everywhere to repent because he has fixed a day on which he will judge the world in righteousness by a man whom he has appointed. And of this he has given assurance to all by raising him from the dead.To Paul, as he's concluding, he says God overlooked ignorance, but not anymore. Now there's a man who's going to judge the whole world in righteousness. And he says, and God's proven this by raising him from the dead. So he's proclaiming the gospel that everyone everywhere needs to repent, which Just so you know, that's essential to the gospel, that everyone, everywhere needs to repent. Sometimes we'll pick specific isolated sins and someone will say, well, you think this is bad? And it's like, I don't know how to tell you this. We think everyone everywhere needs to repent, that you can't. If you just pick an isolated one, we're like, probably, yes, that's a sin. And that's a sin. And that's a sin. We believe that everyone has fallen short of the glory of God and needs Christ, that we aren't going to moral ourselves into this. We're not going to work our way into this. And this is what he's proclaiming to them. And he says that it's proven by. By the resurrection of Christ from the dead.> Now, when they heard of the resurrection of the dead, some mocked, but others said, we will hear you again about this.So Paul went out from their midst, but some men joined him and believed, among whom also were Dionysius the Areopagite and a woman named Damaris and others with them. So several people believe he proclaims the Gospel. He goes to a new place, begins proclaiming the Gospel, and more people believe.Chapter 18. After this, Paul left Athens and went to Corinth.> After this, Paul left Athens and went to Corinth.So he jumped across out of. He was on Athens and then he jumped across Corinth, had to take a boat, and he found a Jew named Aquila, a native of Pontus, recently come from Italy with his wife Priscilla, because Claudius had commanded all the Jews to leave Rome. And he went to them. And because he was of the same trade, he stayed with them and worked for they were tentmakers by trade. And he reasoned in the synagogue every Sabbath and tried to persuade Jews and Greeks.> When Silas and Timothy arrived from Macedonia, Paul was occupied with the word, testifying to the Jews that the Christ was Jesus.So now, instead of making tents, his occupation, what he's at work in now is proclaiming the Gospel. He's had enough room now to share it. And he's spending his time trying to articulate to them this. And he's studying with them and proclaiming it to them.> When the Jewish people opposed and reviled him, he shook out his garments and said to them, your blood be on your own heads. I am innocent. From now on, I will go to the Gentiles.And he left there, and he went to the house of a man named Titius Justus, a worshiper of God. His house was next door to the synagogue. I just appreciate that a whole lot. He's like, fine, I'm gonna go to the Gentiles. He walks out. He turns the corner. He walks in that house and is like, boom, Setting up shop. Here we go. So he's right next to the synagogue. He didn't go far away. He's like, I'm telling people about Jesus. I don't know. Right here next to y'. All. That's what he starts doing. Then it says, crispus, the ruler of the synagogue, believed in the Lord. So he was next door. He was overseeing that. He just is like, I'm going to. And he heads over to the other house together with his entire household. And many of the Corinthians, hearing Paul believed and were baptized. And the Lord said to Paul one night in a vision.> Do not be afraid, but go on speaking and do not be silent, for I am with you, and no one will attack you to harm you, for I have many in this city who are my people.And he stayed a year and six months teaching the word of God among them. So he's been chased all along. He's in Corinth. Jesus shows up and says, stay here. Keep preaching. Because there are many people in this city who are mine, but not yet. So Paul is in a spot where Jesus says, there are people here who belong to me, but they don't know it yet. I know it. They don't know it. And you've got to stay and you've got to tell them. You've got to proclaim the gospel. You've got to explain what's happened, and then they will belong to me. To me, because they already belong to me. That's what he's saying. And that's one of the things that undergirds missions. One of the reasons we go, one of the reasons we plant churches, one of the reasons we send, one of the reasons we go to places where people have never heard. One of the reasons we go to places that are difficult is because all over the place, there are people who belong to Jesus. And we've got to go tell them. We've got to go tell him who he is. And the Spirit goes to work in their heart, and Jesus claims them it's not something that happens without their knowledge. They are going to come to genuine faith in Jesus that will be tangible and real in their life. But what Jesus is saying is that he sins at times and he puts somebody in a place at times because there are people there who belong to him. They just haven't heard about him yet. That ought to give us courage. We ought to begin to beg the Lord. Lord, are there people at work? There are people at my job. Are there people in this class? Are there people on the street who belong to you that I'm supposed to stay and proclaim the gospel to? And we ought to start praying over maps, and we ought to start going to places and saying, lord, there's gotta be people here who belong to you. Put me in the right spot, Send me to the right place. Help me to be there to proclaim the gospel.Now, there's something else that's happening in this text that I think we need to consider. Alfred Hitchcock was a director. He did movies like Psycho and the Birds, and he had a concept that he called the refrigerator test. He just said he wanted all of his movies that he made to pass the refrigerator test. The point was, you'd go see a movie, you're in it, soaking it up. It's great. You leave, you go home, you open your refrigerator to grab a snack before you go to bed, and suddenly you're like, wait a second. How did they get on the train in the first place? And you realize that the movie just skipped a thing. It didn't explain something to you, or there's a logical problem. You're like, why didn't the bad guys just shoot him? They shot his wife. Why'd they shoot her and then leave him alive? Were they running out of bullets? You open your refrigerator and you think, why don't they ever shoot at Captain America's legs? You know, I've played paintball before. I picked up a pallet one time. I got shot in the legs, like 45 times. Seems easy enough. And as we're reading this passage, there's a little hint at it in one place, but I think there's a thing that we should go. Hold on a second. How does Paul survive not just not get killed, but we've watched him travel around for years at this point. There was one moment where they said he went and made tents. And unless he sold the most extravagant, amazing tents, that he just did that for a couple of weeks, and then he was set for several years. It feels like there's something else going on here now, you could say, well, it's fair to assume that the people that are believing are starting to tend to him, they're going to feed him, they're going to help him have a place to stay. And it's like that. That's reasonable. But there's places where he shows up and there's nobody. That hasn't happened yet. And so this is one of those things where you go, well, how does. How is he doing this? Is he independently wealthy, like Bruce Wayne or something? What's going on? And then it doesn't talk about it in this text, but it does show up in Paul's letters. And so I want us to go to. It's mentioned in Corinthians, but it's talked about directly in Philippians. And I want y' all to see this. This is the end of Philippians chapter four. He's writing to the church in Philippi. So that was the first dot on our map. And he says, and you, Philippians yourselves know that in the beginning of the Gospel. So this is right when I first started, was proclaiming this.> When I left Macedonia, no church entered into partnership with me in giving and receiving, except you only. Even in Thessalonica, you sent me help for my needs once and again.So he's writing to this church, and he's saying, y' all partnered with me from the very beginning you entered into partnership with me. Meaning that the work that Paul did, they had a hand in it. They had a share in it. Even though he's the one traveling around the church in Philippi is helping make sure that's possible. And y'. All. He says something crazy. Look at this. That's Philippi. The whole big section here is Macedonia. When he gets out of Macedonia, he's in Corinth. So he says, nobody helped me when I left Macedonia except for y'. All. So he's like, y' all helped provide for me while I was in Corinth. And that's why he mentions it to the Corinthians, because I didn't take anything from y'. All. He says, I worked. He mentioned that. And then he says, and the churches in Macedonia helped me. But he also says, when I was in Thessalonica, you sent me help. That was right after he left Philippi. He went through two towns, and the next town that it says he was in for three weeks was Thessalonica, which means that the Philippians, as soon as they believed, started helping Paul be a missionary. As soon as it happened, what they said Was, oh, we want everybody to know this. And if you're gonna go and tell people, we want in on that. We want to be a part of making sure that everybody knows what we now know. And it started immediately with them.> Not that I seek the gift, but I seek the fruit that increases to your credit.You know how that works, right? With your money, there are certain things where it's like your wallet magically appears in your hand that you're just willing to pay for. Usually people who get married to each other, those things are wildly different. So your spouse seems to have infinite money for this stupid category. When you know that you should never spend money on that. You should spend money on this brilliant category that you love. And that seems to be what happens. And what happens with the Philippians is as soon as they know about Christ and they find out that Paul's gonna go check, share it with other people, their wallet's just in their hands. They're just like, oh, yeah, we want this to happen. Make sure he has what he needs. And they do it the whole time. They find out he's in Corinth, and they're like, make sure he has what he needs so that he can tell more people about this. And Paul says that they've partnered with him. And then he says this. Not that I seek the gift, because they've just given him a gift. And he's telling him, thank you. That's what he was doing earlier. He says, not that I seek the gift, but I seek the fruit that increases to your credit. He says. So he was telling him, thank you. He said, I appreciate it. He said, but that's not what it's all about. What it's about is that you are doing something that's valuable and that you receive credit for doing this good thing. He's basically saying to the Philippians, this is something you ought to do. It's a good thing to do. And I'm glad that you're doing it. Which if you've ever talked to missionaries, they do have that weird. They're really thankful, but they're also trying, like, they don't trying to be about money. So they'll say like, thank you so much. We also are just trusting the Lord, but thank you. But also, it's good for you to give. But also it's not all about, like, they have these weird. If you read this section in Philippians, you can see Paul being like, you should do this. But I'm not super worried about it. Cause Jesus is gonna take care of me. But not being worried about it doesn't mean I'm not thankful. I'm very thankful. And he just is trying to articulate all these things at once. And he says, I have received full payment and more. I am well supplied having received from Epaphroditus the gifts you sent.> A fragrant offering, a sacrifice acceptable and pleasing to God, and my God will supply every need of yours according to his riches in glory in Christ Jesus,so that they're getting to be stewards of God's provision for them by providing for Paul. And Paul says, God sees it, God knows it. It's a sacrifice pleasing to him. Now, I would argue that there are things we put money towards that do not fit the category of a fragrant offering, a sacrifice acceptable and pleasing to God. Not to say that everything we spend our money on is bad. And I think that there are things that are, you're perfectly fine to exist and pay your bills and do things. But I think that when we see that there are things that the Lord delights for us to participate in, that we get to join in partnership with missionaries, that we get to enjoy partaking in the endeavor that they're after, and that we get to do something that the Lord looks at and is pleased with than we ought to. When he sets our valuation of something, take him up on it. When he says this is good and valuable, take him up on it. And when Jesus is talking about this, at one point he says it's not about the amount. He just says not even a cup of cold water will be forgotten. That if you give anything to try to participate in this, if you give anything to care and to love and because you're a disciple and because they're a disciple and because they're going, he says, not a thing's forgotten. So every penny is remembered and every penny is worth it. But then he says this in Philippians 4:20, then this is why we do this to our God and Father. Be glory forever and ever. Amen.> To our God and Father be glory forever and ever. Amen.That's the point. That's the reason the Philippians want a partner. It's because they want everyone everywhere to give glory to God. To know who Christ is, to know what he's done, to know how good he is, to know how wonderful he is, to know how much he loves, to. To know the grace that he offers. When you ever consider how merciful and kind he's been to you, if you consider the weight of your sin, the weight of your failings, the weight of your shortcomings, the depth of the destruction that we deserve and how loving and good and wonderful he is, and that he's designed so that we would belong to him and so that he can lavish his riches and kindness on us for all eternity. And that that's offered to all who will call on him, then we want all to call on Him. That's why John Piper says that missions exist because worship doesn't. He says worship is the goal and fuel of missions. That's why we go, because we have tasted of the joy of worshiping Jesus and we want all the families of the earth in included.So while everything around you is going to push and pull you in a different direction and tell you, you need this, you need this, you should have one of these in order to be happy, you'll need this. My sons asked me, they said Halloween hadn't happened. Why are all the commercials, Christmas commercial? I said, oh, boy, they want money. Our whole economy runs off of you buying things you don't need. And we're trying to take a moment to just go, look, we want to celebrate well, we also want to pause and go, is my money going in the right direction? Do I have my priorities right? Is my value system correct? Do I look like a person who knows the delight and the goodness of Christ? Does that show up in how my money and my budget works? And that's what we want to pause and do every year in our gift series.So this year what we do. Not this year. I started the wrong sentence. I'll start that sentence in a second. What we do every year is we pick a project or two one time, three, I think, and we just say we want to give money to this. It's just an opportunity for our church to rally together and be generous. So we've done different things. Sometimes we do local things, sometimes we do further away things. This year we're going to partner, hopefully Lord willing, with two different organizations to do some foreign missions work. So I'm introducing the first project today. So this year we're going to do two. I'm introducing the first project today, we'll introduce the next one next week. And then over the next few weeks we'll try to raise money to support these agencies in the efforts that they're doing in foreign mission work. So the first one we're going to partner with is elam. It is a missions organization in Mexico. When we started praying about this and looking, we were like, we want to do something with foreign missions. We want to give some effort in this direction. Scott and Kit's Hill's son Scotty, also Isaac Hill, is one of our pastors. It's his uncle also Isaac Hill's wife Lydia, it's her uncle in law, works with Elam in Mexico. So we just called him up and started trying to talk to him about what would it look like if we partnered with you? What kind of work are you doing? What's the labor looking like right now in where you are? So this is a picture. One of the things, as we said, just start dreaming a little bit if we partner with you now. It's an EFCA organization. So the money's going towards an organization that is very transparent in how they handle their finances. ELAM is they pick that name because it's the name of Oasis mentioned in the book of Exodus and what they do. I'll read some of this specifically. I can find my notes here. Yeah. ELAM is a mission development and mobilization organization in Mexico that focuses on equipping and mobilizing local churches. They do this through trainings and through short term missions trips to indigenous communities. So one of the things they do is they'll partner with a local church in a harder area and they show up and help do missions trips to try to help that church serve the community and have an opportunity for evangelism, have an opportunity to build goodwill with the community as that church is trying to develop. So what they've been doing recently is, is medical mission, short term missions programs. And so they'll go to a community and do medical missions for a couple weeks to try to help a local in partnership with a local church in a community. So the core activities are they do general medical exams and treatment, dental care and hygiene education, vision screenings and the distribution of eyeglasses. And then throughout that they're doing church support and evangelism as a part of it.So they currently have a donated auto refractor which is a machine you put on your face and it tells you what your prescription is. And then someone donated to them 6,000 pairs of glasses. So they show up to places, stick an autorefactor on people's faces, find out what the prescription is, find it and give them a pair of glasses. And so they're able to go to these rural places and under resourced places and help people see. They also have two mobile dental machines and chairs. And then they're using all this on supplies on borrowed trucks and on the open bed trailer covered with tarps. They've been going to Sierra Mezateca where there's about 300,000 Mezatecos and only a few local churches. They've been in Partnership with a church called Amigos de Fe. And they've planted churches and trying to plant churches in eight communities. They've done five medical trips in that area with about 80 to 120 medical patients, 40 to 50 dental patients, and then they were given out 20 to 30 glasses. And then in the areas near Veracruz and hidalgo, there's about 490,000 people. They have two medical trips they've done this past year. They've got a third one scheduled. On their first two, they had about 100 to 150 medical patients, 60 to 100 dental patients, and they gave out 50 to 100 pairs of glasses, which I don't know if you've ever tried to live without glasses and then got glasses, but it's magical. Just ask third grade Chet. So for them to show up to places where people have not been able to see and just outfit them, they walk in and walk out with glasses is a wonderful thing.And so we just said, what would you need if we were going to give you money? What would you use it for? What would this look like? And so the biggest, they said the current biggest limitation is the logistics problem for them. They have an open bed trailer that they've just been throwing a tarp on. And so they said we'd love. Yeah, that. They said they have lost equipment due to rain. And some of the places that they go to, they end up having to park and hike up mountains. I mean, they're going to hard to reach places and difficult to resource places. And so they said they'd love to have an enclosed trailer. And so they sent us this sort of thing now just to help you all out. That 98,500 is pesos. So if you're like, nah, we're gonna have to smuggle in one of our trailers. We ain't paying that. That's in pesos. So don't stress out over that.So here's what we said. We just said, start telling us what you would need. And they gave us a list. We said, dream. We've learned as a church that we want to. We want to get some options. We want to get some things in front of us and we'll see what the Lord does and what we're able to do together. Like we said, our hope is to knock this out, to be able to do what they've asked and do another one. But we'll see. We're happy to get to partner together however we're able to. But this is what. This is how the money would work for this Group the trailer is about $6,000. So the first $6,000 we raise, they're going to go get a trailer. After that, they would use 1250 for insurance, taxes, maintenance of the trailer. So they said if we're able to give them about $7,000, 7,500, they'll get a trailer and they'll be taken care of for a year, and then they'll, you know, just continue to operate with it. But they would be blessed by that because they'd be able to load it up, they'd be able to lock it up, they'd be able to show up to the place, unload what they needed to unload, keep. Like they just said this would bless their souls and their ability to get in and out of places and. And not lose equipment. So we said that sounded smart to us. So we thought, yes, let's try to get them a trailer if we're able to keep giving. Here are other things. They were like, well, look, y' all give us money, we're going to spend it. So they would love another auto refractor, which helps them to do multiple trips or to be able to just handle more people when they're coming in, getting them glasses. A lensometer is actually what you use to shine through glasses to make sure it is the right prescription. So auto refractor goes on the face, lensometer goes on the glasses. A diagnostic kit and a retinoscope is just the ability to try to actually check eyes, see what's going on. If they could have a mobile dental X ray with a computer, that would be amazing so that they could actually do X rays right there, see what's going on inside. And then they said dental chairs and lights, 600 general dental tools and supplies, 1500 general medical equipment, 500, for a total of $22,250. We'd love to be able to raise that for them. We'd love to get to join in partnership in a way that we get to be a part of people in areas of Mexico we'll never step foot in being cared for, loved, and getting a tangible picture of the gospel. As a group of people is trying to plant churches to articulate the gospel.Just so y' all know, we don't do a whole lot as a church in partnership with any kind of foreign missions organization that isn't trying to plant churches and articulate the gospel. We think it is incomplete if we're just doing physical things, but we love to partner where they're doing some physical work, some. Some tangible help in connection with local church planting and church organization and these sort of things going forward. So as a church, every year we do every year at Christmas we partner with the Lottie Moon Christmas offering, which is, you see it on the tables and it's in your bulletin, which is a part of missions efforts for the Southern Baptist. We do that every year and then we pick a give project and then sometimes we pick as a give project a missions opportunity. And we've got two in front of us this year. This is the first one we're going to be able to get after we're excited to be able to partner in this specific way in Mexico for the sake of what they're doing and would love for you to begin praying about what does it look like for you to partner in helping see other people come to know Jesus and tangibly see what he does among a group people, let's pray.Father, we're thankful. We're thankful that you have met us in our need. We're thankful that you have redeemed us and called us into something eternal. We ask that your spirit would be at work so that our church might be a blessing to those who are out and doing international efforts. We pray, Lord, that you would stir in the hearts of our church family so that we might be able to send people and we pray that you would stir in our hearts that we might be able to send money to the people who are already there. But may we be a part of what you are doing around the world in the places where people belong to you. There just hasn't been someone who's told them about you yet. In Jesus name Amen. Band's gonna come up. We're gonna sing. If you desire to give, there are there is a drop down menu online that you can give directly to it already. You can also give via an envelope or just put on the check that it's for our gift project. But we ask you to begin to pray and hopefully, Lord willing will be able to begin to move on this and then get into some of the other stuff, see what the Lord does.

Sioned Fôn Jones, gwyddonwraig ifanc o bentref Waunfawr, Gwynedd yw gwestai Beti George.Mae wedi creu cwmni Booby Biome yn Llundain. " Ni oedd y cwmni cyntaf o'i fath yn y maes yma" meddai Sioned. Maen nhw'n creu llaeth sydd yn debyg i laeth y fron, "mae'n cocktail o facteria perffaith i fabi" tebyg i probiotic sydd wedi ei ddylunio o laeth y fron gan griw o wyddonwyr ifanc. Y gobaith ydi y bydd yn cael ei gyflwyno i ysbytai, wardiau babis flwyddyn nesa. Mae'r cwmni wedi tyfu ers ei sefydlu yn 2019. Fe sefydlwyd y cwmni yn Ysbyty Great Ormond Street , gan mae dyma'r ysbyty plant gorau yn y byd ac mae'r ymchwil sydd yn cael ei wneud yno yn arwain y ffordd mewn sawl maes o fewn iechyd plant.Mae gan Sioned lawer o uchafbwyntiau i'w gyrfa. Un pennaf oedd ennill lle ar restr ‘Forbes 30 Under 30' llynedd. Mae'r wobr yma yn ddathliad o 30 o bobl o dan 30 oed sydd wedi gwneud cyfraniad nodweddiadol yn eu maes ac wedi cyflawni rhywbeth arbennig.Cawn hanesion ei bywyd ac mae'n dewis 4 cân gan gynnwys darn piano arbennig wnaeth y diweddar Annette Bryn Parri ei chwarae i'w diweddar Dad.

Zapomeňte na fronty u přepážek a komisní přístup. Bankovnictví prochází revolucí. Jak bude vypadat bankovní pobočka budoucnosti? A jakou roli v ní bude hrát AI? O tom byla řeč v nejnovějším vydání videopodcastu Money Movements. Jeho hosty tentokrát byli šéf distribuce v České spořitelně Petr Ropický a Petr Polák, country manager platební společnosti Visa pro Česko. Co tahle revoluce znamená pro samotné bankéře? Jak se jejich role do budoucna promění? Mohou být více mentory a jak jsou na to připraveni? Může banka kromě finančního zdraví nabídnout i prevenci zdraví fyzického? Nejen o tom je řeč v novém díle podcastu Money Movements, který připravuje Forbes ve spolupráci se společností Visa.

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

One on One Video Call W/George https://tidycal.com/georgepmonty/60-minute-meetingSupport the show:https://www.paypal.me/Truelifepodcast?locale.x=en_USThe Lila Code: https://orcid.org/0009-0008-4612-3942

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

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

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

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

===== MDJ Script/ Top Stories for November 28th Publish Date:  November 28th    Commercial: From the BG AD Group Studio, Welcome to the Marietta Daily Journal Podcast.    Today is Friday, November 28th and Happy Birthday to Dave Righetti I’m Keith Ippolito and here are the stories Cobb is talking about, presented by Times Journal Flight delays: Here are your rights when flying over the holidays in 2025 Holiday lights on display in metro Atlanta ‘Elf The Musical’ coming to Fox Theatre for the Christmas season Plus, Leah McGrath from Ingles Markets on soy and oat milk All of this and more is coming up on the Marietta Daily Journal Podcast, and if you are looking for community news, we encourage you to listen and subscribe!  BREAK: INGLES 2 STORY 1: Flight delays: Here are your rights when flying over the holidays in 2025 Ever been stuck at the airport, staring at the departure board, wondering what your rights are? Turns out, there’s a “magic number” for delays: 3 hours for domestic flights, 6 for international. Hit that threshold, and airlines have to help—refund, rebook, your call. But here’s the catch: no extra compensation in the U.S. Some airlines, like Delta or Alaska, will throw in meal vouchers or even a hotel if it’s their fault (think staffing, not weather). Others? Not so generous. Pro tip: check your airline’s policy before you fly. And pack snacks. Always.  STORY 2: Holiday lights on display in metro Atlanta  The holidays are here, and metro Atlanta is lighting up—literally. Whether you’re cruising through a drive-thru wonderland or strolling under glowing canopies, there’s magic everywhere. Candy Rush at Six Flags (Marietta): A mile of lights, candy canes, and a gingerbread village. Sweet tooth? Satisfied. Nov. 14–Jan. 4. $39.99 per car. Fantasy in Lights at Callaway Gardens: Seven miles, 10 million lights, and Santa. Forbes loves it, and so will you. Nov. 14–Jan. 4. Tickets start at $24.99. Lanier Islands’ Magical Nights of Lights: Six miles of twinkling displays. Pure nostalgia. Nov. 15–Jan. 4. From $25. WildWoods: AGLOW at Fernbank: Glowing gardens, luminous dandelions, and interactive magic. Nov. 14–Feb. 28. From $16.95. Go make some memories! STORY 3: ‘Elf The Musical’ coming to Fox Theatre for the Christmas season Buddy the Elf is in town, and he’s bringing the holiday cheer! “Elf The Musical” is hitting the Fox Theatre stage Dec. 16-21, but Buddy’s not waiting till then to spread some Christmas magic. Catch him around Atlanta this weekend: Friday night at The Blind Elf Parlour Bar (5:30-7:30 p.m.), or Saturday at the Children’s Museum (10 a.m.-noon), the Georgia Festival of Trees (2-4 p.m.), and Atlantic Station’s Light the Station event (4-7:30 p.m.). So, grab your syrup and get ready—it’s gonna be festive! We have opportunities for sponsors to get great engagement on these shows. Call 770.799.6810 for more info.  We’ll be right back. Break: STRAND THEATRE STORY 4: Piedmont Oncology Opens Early Detection Pancreatic Cancer Clinic, First of Its Kind in Georgia  Piedmont Oncology just opened Georgia’s first Early Detection Pancreatic Cancer Clinic (EDC) at Piedmont Atlanta Hospital, and honestly, it’s a game-changer. Pancreatic cancer is brutal—only 13% of patients survive five years—but this clinic is here to change that. Why’s it so hard to catch early? No screening test exists, symptoms are vague, and many high-risk patients don’t even know they’re at risk. That’s where the EDC steps in: genetic counseling, cutting-edge research with NIH and Mayo Clinic, and a team laser-focused on early detection. “This is about saving lives,” said Dr. Andrew Page, the clinic’s medical director. STORY 5: More than 4 million expected to pass through Atlanta airport during Thanksgiving season Thanksgiving travel is in full swing, and Hartsfield-Jackson is bracing for over 4 million passengers. “It’s like our Super Bowl,” said General Manager Ricky Smith, half-joking but clearly ready for the chaos. The busiest day? Dec. 1, with 375,000 travelers expected—though that’s slightly down from last year, thanks to folks opting for road trips during the recent government shutdown. Still, the airport’s pulling out all the stops: new info totems, real-time TSA wait times, and extra security (some visible, some not). Smith’s advice? Arrive early, stay patient, and if something feels off, speak up. And now here is Leah McGrath from Ingles Markets on soy and oat milk We’ll have closing comments after this. Break: Ingles Markets 2 Signoff-   Thanks again for hanging out with us on today’s Marietta Daily Journal Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at mdjonline.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com Strand Marietta – Earl and Rachel Smith Strand Theatre See omnystudio.com/listener for privacy information.

In the annals of automotive innovation, November 28th, 2018 marked a peculiar milestone: the birth of the Lincoln Chimes. The brainchild of Jennifer Prescott, overseer of "Vehicle Harmony" at the motor company, this warning system replaced the synthetic sound of in-car emergency alerts with a blend of violin, viola, and marimba played by The Detroit Symphony Orchestra. Lincoln's endeavour followed in the wake of Bentley revamping its alert and indicator sounds, drawing inspiration from the gentle ticking of a grandfather clock - but cars are not the only luxury products to dabble in ‘sonic branding'. From computer startup chimes to the noise accompanying credit card transactions, there's a soundscape of jingles which have become an integral part of our conditioned understanding of products and experiences. In this episode, Arion, Rebecca and Olly discover how NBC were the first company to trademark  a sound; check out MasterCard's deviation into recorded music; and reveal just how many drafts Brian Eno went through before settling on his final start-up sound for Windows95… Further Reading: • ‘Why Big Brands Are Using Sonic Signatures To Reach Consumers' (Forbes, 2018): https://www.forbes.com/sites/jenniferhicks/2019/05/08/why-big-brands-are-using-sonic-signatures-to-reach-consumers/?sh=35f5b651d39c • ‘Inside Mastercard's ‘10-layer' sonic branding plan' (Marketing Brew, 2022): https://www.marketingbrew.com/stories/2022/10/17/inside-mastercard-s-10-layer-sonic-branding-plan • ‘2019 Lincoln Aviator chimes recorded by the Detroit Symphony Orchestra' (Wheel Network, 2018): https://www.youtube.com/watch?v=X7uZ27Uzgsk This episode first aired in 2023 Love the show? Support us!  Join 

Part 2 of my interview with Dr. Tara goes deeper into erotic solutions for long term relationships, techniques that rebuild desire and the practices couples use to reconnect without penetration. Dr. Tara breaks down yab yum, sexual meditation, mutual masturbation and the role lube plays in midlife pleasure. You learn why women respond differently to pressure, why adoration matters more than appreciation and why most couples never speak honestly about kink. Dr. Tara also explains sex parties, sex cruises, female ejaculation, squirting technique, cuckolding, hot wifing and how non monogamous couples build trust. This episode gives you practical tools to increase intimacy, try new experiences and communicate without fear.Timestamps:00:00 Part 2 intro00:18 Why couples need more than toys00:40 Erotic solutions for sexless marriages01:05 Yab yum explained02:02 How yab yum builds intimacy02:45 Breathwork and skin-on-skin connection03:20 Removing pressure and responsive desire04:05 Why midlife women shut down sexually04:42 The role of lube in midlife pleasure05:20 How to give a yoni massage06:10 Slip and slide technique with lube06:45 Why receiving is hard for many women07:20 Why hand jobs are powerful for connection08:02 Using a vibrator while giving a hand job08:40 Why giving can boost intimacy09:20 Appreciation vs adoration10:15 Why women need adoration to feel sexy11:00 Emotional safety and sexual openness11:32 How to ask for kink without scaring your partner12:10 Using the media mention method for kink12:52 Dr. Tara's sexual profile13:33 What “kinky” means for different people14:10 What erotic parties are really like15:02 Why sex parties are safer than nightclubs15:45 The age differences at sex parties16:12 Female led sex parties and sex cruises17:05 Dr. Tara's first sex party experience17:40 Understanding squirting and female ejaculation18:15 The technique that triggers squirting19:02 Can you make yourself squirt19:40 Cuckolding and hot wifing explained20:10 How open couples build trust and connectionWant a deeper look? Watch the full episode on YouTube for a more visual experience of today's discussion. This episode is best enjoyed on video—don't miss out!About the Guest:Dr. Tara is a tenured professor of relational and sexual communication, and quantitative research at California State University Fullerton (received her tenure at the age of 33), an award-winning researcher, TV Sexpert on Celebs Go Dating, columnist on Women's Health Magazine with her own column 'Sexplore with Dr. Tara' and the host of Luvbites Podcast that focuses on sexual wellness and sexploration. She's also the new co-host of LOVELINE, the iconic radio show. Her work has been featured in ABC News, KTLA, Forbes, Cosmopolitan, Women's Health Magazine, Insider, and various media outlets. She's also on the advisory board for the MŌN app,

CTL Script/ Top Stories of November 28th Publish Date: November 28th   Pre-Roll: From the Ingles Studio Welcome to the Award-Winning Cherokee Tribune Ledger Podcast  Today is Friday, November 28th and Happy Birthday to Dave Righetti I’m Chris Culwell and here are the stories Cherokee is talking about, presented by Times Journal Holiday lights on display in metro Atlanta ‘Elf The Musical’ coming to Fox Theatre for the Christmas season Thanksgiving travel rush kicks off, more expected to drive than fly Plus, Leah McGrath from Ingles Markets on soy and oat milk We’ll have all this and more coming up on the Cherokee Tribune-Ledger Podcast, and if you’re looking for Community news, we encourage you to listen and subscribe!  Commercial: STRAND THEATRE STORY 1: Holiday lights on display in metro Atlanta The holidays are here, and metro Atlanta is lighting up—literally. Whether you’re cruising through a drive-thru wonderland or strolling under glowing canopies, there’s magic everywhere. Candy Rush at Six Flags (Marietta): A mile of lights, candy canes, and a gingerbread village. Sweet tooth? Satisfied. Nov. 14–Jan. 4. $39.99 per car. Fantasy in Lights at Callaway Gardens: Seven miles, 10 million lights, and Santa. Forbes loves it, and so will you. Nov. 14–Jan. 4. Tickets start at $24.99. Lanier Islands’ Magical Nights of Lights: Six miles of twinkling displays. Pure nostalgia. Nov. 15–Jan. 4. From $25. WildWoods: AGLOW at Fernbank: Glowing gardens, luminous dandelions, and interactive magic. Nov. 14–Feb. 28. From $16.95. Go make some memories! STORY 2: ‘Elf The Musical’ coming to Fox Theatre for the Christmas season Buddy the Elf is in town, and he’s bringing the holiday cheer! “Elf The Musical” is hitting the Fox Theatre stage Dec. 16-21, but Buddy’s not waiting till then to spread some Christmas magic. Catch him around Atlanta this weekend: Friday night at The Blind Elf Parlour Bar (5:30-7:30 p.m.), or Saturday at the Children’s Museum (10 a.m.-noon), the Georgia Festival of Trees (2-4 p.m.), and Atlantic Station’s Light the Station event (4-7:30 p.m.). So, grab your syrup and get ready—it’s gonna be festive! STORY 3: Thanksgiving travel rush kicks off, more expected to drive than fly  Thanksgiving travel chaos? AAA predicts 2.3 million Georgians will hit the road this holiday, joining 73 million Americans nationwide who’d rather drive than fly. GDOT’s trying to help, pausing roadwork through Sunday, but drivers? Slow down. Early sunsets are causing more accidents. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info.    We’ll be right back. Break: Ingles Markets 4 STORY 4: Chiefs host Roswell, eye historic playoff win In a season where breaking records feels almost routine, Sequoyah is gearing up for its second straight trip to the quarterfinals—fourth in program history—chasing a first-ever spot in the Class AAAAA semis. Thirty-six years of history, and this senior-heavy squad is rewriting it all. Last week’s 48-28 win over Newnan? Another milestone. The Chiefs (11-1) smashed their single-season scoring record, with running back Will Rajecki breaking the career rushing mark and longtime coach James Teter becoming Cherokee County’s all-time wins leader. But now, it’s Roswell (11-1). “They’re explosive,” Teter said. “We’ve got to slow them down—long drives, limit possessions. Make them uncomfortable.” Roswell’s offense is terrifying: 44.5 points per game, led by dual-threat QB Trey Smith (2,451 passing yards, 1,026 rushing) and running back Nick Peal (1,256 yards, 19 TDs). They’ve hit 50-plus points six times this season. But Sequoyah’s offense isn’t backing down. With 505 points this year, it’s the best in program history. Rajecki (1,792 yards, 19 TDs), QB Kolby Martin, and receiver Brooks Darling have been unstoppable, backed by a veteran line. “This senior group is special,” Teter said. “They’ve grown together, and it shows. They’re comfortable, confident, and ready.” Friday night, it’s all on the line. STORY 5: More than 4 million expected to pass through Atlanta airport during Thanksgiving season Thanksgiving travel is in full swing, and Hartsfield-Jackson is bracing for over 4 million passengers. “It’s like our Super Bowl,” said General Manager Ricky Smith, half-joking but clearly ready for the chaos. The busiest day? Dec. 1, with 375,000 travelers expected—though that’s slightly down from last year, thanks to folks opting for road trips during the recent government shutdown. Still, the airport’s pulling out all the stops: new info totems, real-time TSA wait times, and extra security (some visible, some not). Smith’s advice? Arrive early, stay patient, and if something feels off, speak up. And now here is Leah McGrath from Ingles Markets on soy and oat milk Commercial: We’ll have closing comments after this.   COMMERCIAL: Ingles Markets 4   SIGN OFF –   Thanks again for hanging out with us on today’s Cherokee Tribune Ledger Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.tribuneledgernews.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com Strand Marietta – Earl and Rachel Smith Strand Theatre See omnystudio.com/listener for privacy information.

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

Muriel Wilkins, CEO & Founder of Paravis Partners, author of Leadership Unblocked, a trusted executive coach, C-suite advisor to some of the world's most influential leaders, and host of the acclaimed Harvard Business Review podcast, Coaching Real Leaders, joins me on the latest episode of Business Minds Coffee Chat. Muriel has been featured in popular media outlets, including Harvard Business Review, Business Insider, Fast Company, and Forbes.

In this episode, Lindsey Elizabeth Cortes, a sports dietitian and host of the Female Athlete Nutrition Podcast, interviews David Block, CEO of Previnex. The episode delves into the struggles and confusions surrounding nutrition, particularly for female athletes who face societal pressures on body image. Lindsey introduces David, detailing his impressive career transition from a hedge fund manager to leading Previnex, a company dedicated to producing high-quality nutritional supplements.   David discusses his inspiration and mission to create best-in-class supplements, addressing the flaws in the supplement industry from quality control to transparency. They explore Previnex’s rigorous testing standards, the impressive effectiveness of their Joint Health Plus product, and the impact of their groundbreaking Get Health, Give Health program, which donates vitamins to malnourished children for every customer order. The conversation emphasizes creating genuine health benefits, maintaining high standards, and the broader mission of improving lives globally.   Episode Highlights: 01:22 Meet Today's Guest: David Block, CEO of Previnex 03:19 David Block's Journey: From Wall Street to Wellness 06:24 Challenges and Insights in the Supplement Industry 11:37 The Importance of Quality and Transparency in Supplements 23:33 Personal Stories and Testimonials 31:32 The Power of NEM for Joint Health 33:04 Exploring Menstrual Cycle Health Supplements 34:16 Immune Health and Beta Glucans 41:33 The Importance of Muscle Health 47:15 Get Health Give Health Program 54:37 Conclusion and Final Thoughts   As the CEO of Previnex, David has the great privilege of leading a company that is dedicated to creating health and advancing human flourishing in the lives of everyone the company serves. Previnex makes best-in-class nutritional supplement products that promote longevity, performance, and everyday health, and donates vitamins to malnourished children with every customer order through the company’s Get Health, Give Health Program. Since July 2017, Previnex has donated over 2.4 million vitamins to malnourished children in 19 countries.   Prior to Previnex, David was a hedge fund manager and Wall Street research analyst in the Health & Wellness Industry, where he was named one of the top research analysts and stock pickers in the country by The Wall Street Journal and Forbes. David has appeared in numerous financial publications for his expertise in the Health & Wellness Industry, including The Wall Street Journal, Investors Business Daily, Business Week, Forbes, and Barron's. David attended UCLA, where he was a scholarship athlete, and received a law degree from Pepperdine University School of Law, where he was a Fellow and Founding Student Board Member of the Palmer Center for Entrepreneurship and the Law. David also serves as a Board Member & Trustee of Guideposts, Inc.   Resources and Links: For more information about the show, head to work with Lindsey on improving your nutrition, head to: http://www.lindseycortes.com/ Previnex Supplements – Joint Health Plus, Muscle Health Plus, plant-based protein, probiotics, and more; code CORTES15 for 15% off: previnex.com Join REDS Recovery Membership: http://www.lindseycortes.com/reds WaveBye Supplements – Menstrual cycle support code LindseyCortes for 15% off: http://wavebye.co Female Athlete Nutrition Podcast Archive & Search Tool – Search by sport, condition, or topic: lindseycortes.com/podcast Female Athlete Nutrition Community – YouTube, Instagram @‌femaleathletenutrition, and private Facebook group

GDP Script/ Top Stories for November 27th Publish Date: November 27th PRE-ROLL: SUGAR HILL ICE SKATING From the BG AD Group Studio Welcome to the Gwinnett Daily Post Podcast. Today is Thursday, November 27th and Happy birthday to Bruce Lee I’m Peyton Spurlock and here are your top stories presented by KIA Mall of Georgia. More than 4 million expected to pass through Atlanta airport during Thanksgiving season ‘Elf The Musical’ coming to Fox Theatre for the Christmas season Flight delays: Here are your rights when flying over the holidays in 2025 Plus, Leah McGrath from Ingles Markets on soy and oat milk All of this and more is coming up on the Gwinnett Daily Post podcast, and if you are looking for community news, we encourage you to listen daily and subscribe! Break 1: STRAND THEATRE STORY 1: More than 4 million expected to pass through Atlanta airport during Thanksgiving season  Thanksgiving travel is in full swing, and Hartsfield-Jackson is bracing for over 4 million passengers. “It’s like our Super Bowl,” said General Manager Ricky Smith, half-joking but clearly ready for the chaos. The busiest day? Dec. 1, with 375,000 travelers expected—though that’s slightly down from last year, thanks to folks opting for road trips during the recent government shutdown. Still, the airport’s pulling out all the stops: new info totems, real-time TSA wait times, and extra security (some visible, some not). Smith’s advice? Arrive early, stay patient, and if something feels off, speak up. STORY 2: ‘Elf The Musical’ coming to Fox Theatre for the Christmas season  Buddy the Elf is in town, and he’s bringing the holiday cheer! “Elf The Musical” is hitting the Fox Theatre stage Dec. 16-21, but Buddy’s not waiting till then to spread some Christmas magic. Catch him around Atlanta this weekend: Friday night at The Blind Elf Parlour Bar (5:30-7:30 p.m.), or Saturday at the Children’s Museum (10 a.m.-noon), the Georgia Festival of Trees (2-4 p.m.), and Atlantic Station’s Light the Station event (4-7:30 p.m.). So, grab your syrup and get ready—it’s gonna be festive! STORY 3: Flight delays: Here are your rights when flying over the holidays in 2025   Ever been stuck at the airport, staring at the departure board, wondering what your rights are? Turns out, there’s a “magic number” for delays: 3 hours for domestic flights, 6 for international. Hit that threshold, and airlines have to help—refund, rebook, your call. But here’s the catch: no extra compensation in the U.S. Some airlines, like Delta or Alaska, will throw in meal vouchers or even a hotel if it’s their fault (think staffing, not weather). Others? Not so generous. Pro tip: check your airline’s policy before you fly. And pack snacks. Always. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info. We’ll be right back Break 2: 07.14.22 KIA MOG- DTL HOLIDAY STORY 4: Real Christmas trees may be the real bargain this year because of tariffs   With artificial tree prices climbing (thanks, inflation and tariffs), real Christmas trees might just be the better deal this year—and they come with the bonus of supporting local farmers. At Savage Farms, the holiday prep is in full swing. “We always encourage folks to buy live trees,” said Mason Savage. “It supports local farmers and, honestly, the U.S. economy.” They’ve got Georgia-grown Murray Cypress and Carolina Sapphire, plus Frasier firs from North Carolina—an area bouncing back after Hurricane Helene. Prices? Still $10 per foot. “It’s a blessing,” Savage said, “bringing that Christmas joy to our community.” STORY 5: Holiday lights on display in metro Atlanta The holidays are here, and metro Atlanta is lighting up—literally. Whether you’re cruising through a drive-thru wonderland or strolling under glowing canopies, there’s magic everywhere. Candy Rush at Six Flags (Marietta): A mile of lights, candy canes, and a gingerbread village. Sweet tooth? Satisfied. Nov. 14–Jan. 4. $39.99 per car. Fantasy in Lights at Callaway Gardens: Seven miles, 10 million lights, and Santa. Forbes loves it, and so will you. Nov. 14–Jan. 4. Tickets start at $24.99. Lanier Islands’ Magical Nights of Lights: Six miles of twinkling displays. Pure nostalgia. Nov. 15–Jan. 4. Tickets? $25. WildWoods: AGLOW at Fernbank: Glowing gardens, luminous dandelions, and interactive magic. Nov. 14–Feb. 28. Tickets? $16.95. Go make some memories! We’ll be right back. Break 3: THE SUGAR HILL HOLIDAY And now here is Leah McGrath from Ingles Markets on soy and oat milk Break 4: BUFORD HOLIDAY FESTIVAL We’ll have closing comments after this Break 5: Ingles Markets 1 Signoff – Thanks again for hanging out with us on today’s Gwinnett Daily Post Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.gwinnettdailypost.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com www.kiamallofga.com Strand Marietta – Earl and Rachel Smith Strand Theatre Ice Rink – Downtown Sugar Hill Holiday Celebration 2025 – City of Sugar Hill 2025 Buford Holiday Festival & Parade All-In-One Flyer See omnystudio.com/listener for privacy information.

En CADENA 100, la música incluye artistas como Juanes, Shakira, Aitana, Train, Rihanna, Janet Jackson, Melissa Etheridge, The Weeknd y Lady Gaga. Berti, reconocido por Forbes, ofrece 150€ de descuento y un año de mantenimiento en el seguro de coche. Viajes el Corte Inglés presenta ofertas para Disneyland Paris. La Mutua y SEAT también tienen promociones. CADENA 100 celebra un concierto en Gran Canaria. Carlos Baute, en 'Buenos días, Javi y Mar', habla de su tema "Quién mejor que tú", su buena etapa y la creación musical. Se informa que la vida de Cher será una serie de siete episodios por 18 millones de dólares, destacando sus romances y su actuación con Ariana Grande. Se mencionan las ofertas de Black Friday de el Corte Inglés y Sephora, así como el cupónazo de la ONCE.

195. Navigating Leadership with Gratitude In this episode of the Visibility Factor podcast, host Sue Barber reflects on the importance of gratitude, especially during the Thanksgiving season. She discusses how gratitude can help shift mindsets from negative to positive, but also highlights the challenges it poses for those struggling with imposter syndrome. Drawing insights from Kim Meninger's Forbes article, Barber emphasizes the need for individuals to acknowledge their contributions to their successes rather than attributing them solely to external factors. The conversation also touches on the importance of effective communication in leadership and provides resources for personal growth and visibility.   Takeaways Thanksgiving evokes memories and traditions of family gatherings. Gratitude helps shift mindsets from negative to positive. Impostor syndrome can distort our perception of success. Acknowledging personal contributions is crucial for self-worth. Effective communication is key to leadership visibility. Recognizing the value of our work is essential. Celebrating achievements reinforces confidence. Resources are available to enhance leadership skills. Sharing successes helps others understand our impact. Gratitude should include personal accountability. Link to Order Your Journey to Visibility Workbook Kim Meninger's Article - Gratitude With A Twist—Reclaiming Your Role In Your Own Success Go here to learn more about Kim, her work and speaking - https://www.kimmeninger.com/   Thank you for listening to The Visibility Factor Podcast!    Check out my website to order my book and view the  videos/resources for The Visibility Factor book.   As always, I encourage you to reach out! You can email me at hello@susanmbarber.com. You can also find me on social media everywhere –Facebook, LinkedIn, and of course on The Visibility Factor Podcast! I look forward to connecting with you!        If you liked The Visibility Factor Podcast, I would be so grateful if you could subscribe and leave a review wherever you listen to podcasts! It helps the podcast get in front of more people who can learn how to be visible too!       

High-value relationships are built on trust — and few things erode trust faster than sloppy introductions.In this short tactical episode, Michael shares why the double opt-in is the gold standard for making introductions at the highest levels. He walks through a striking real-world example of a podcast guest who asked for introductions to some of his most sacred relationships — including global spiritual leaders — without providing context, value, or rapport.You'll learn:What a double opt-in introduction actually isWhy it protects all relationships involvedHow poor introductions silently drain social capitalThe right way to respond when someone asks you for a connectionA simple script you can use to make value-forward, pressure-free introductionsHow to avoid the “ghosting loop” that happens when you introduce people without consentThis is a masterclass in relational intelligence — and once you learn it, you'll never introduce people the old way again. Michael Trainer has spent 30 years learning from Nobel laureates, neuroscientists, and wisdom keepers worldwide. He's the author of RESONANCE: The Art and Science of Human Connection (March 31, 2026), co-creator of Global Citizen and the Global Citizen Festival, and host of the RESONANCE podcast.Featured in Forbes, Inc, Good Morning America. Follow on YouTube

Steve Forbes explains why the experience of the pilgrims could off a much-needed Thanksgiving lesson for NYC Mayor-elect Zohran Mamdani: that socialism doesn't work.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How do you keep employees engaged when the holiday season brings stress, fatigue, and emotional overload? In this episode of Boss Better Now, leadership expert Joe Mull, CSP, CPAE, breaks down what leaders must do to sustain motivation, effort, and commitment during the most hectic time of the year. Discover why engagement often dips in November and December—and how to counter it by doubling down on what drives commitment all year long: purpose, recognition, compassion, and true leadership presence. Joe shares practical strategies for helping employees manage difficult customers, stay connected to meaning, and navigate personal stress without losing their spark at work. Whether you're leading a team of five or five hundred, this episode equips you with actionable leadership tools to maintain engagement, boost morale, and cultivate a workplace where people feel seen, supported, and committed—even in the busiest season of the year. To subscribe to Joe Mull's BossBetter Email newsletter, visit https://BossBetterNow.com For more info on working with Joe Mull, visit https://joemull.com For more info on Boss Hero School, visit https://bossheroschool.com To email the podcast, use bossbetternow@gmail.com #transformativeleadership #workplaceculture #companyculture #talentretention #employeeengagement #employeeretention #bossheroschool #employalty Joe Mull is on a mission to help leaders and business owners create the conditions where commitment takes root—and the entire workplace thrives. A dynamic and deeply relatable speaker, Joe combines compelling research, magnetic storytelling, and practical strategies to show exactly how to cultivate loyalty, ignite effort, and build people-first workplaces where both performance and morale flourish. His message is clear: when commitment is activated, engagement rises, teams gel, retention improves, and business outcomes soar. Joe is the founder of Boss Hero School™ and the creator of the acclaimed Employalty™ framework, a roadmap for creating thriving workplaces in a new era of work. He's the author of three books, including Employalty, named a top business book of the year by Publisher's Weekly, and his popular podcast, Boss Better Now, ranks in the top 1% of management shows globally. A former head of learning and development at one of the largest healthcare systems in the U.S., Joe has spent nearly two decades equipping leaders—from Fortune 500 companies like State Farm, Siemens, and Choice Hotels to hospitals, agencies, and small firms—with the tools to lead better, inspire commitment, and build more humane workplace cultures. His insights have been featured in The Wall Street Journal, Forbes, Harvard Business Review, and more. In 2025, Joe was inducted into the Professional Speakers Hall of Fame (CPAE). This is the speaking profession's highest honor, a distinction granted to less than 1% of professional speakers worldwide. It's awarded to speakers who demonstrate exceptional talent, integrity, and influence in the speaking profession For more information visit joemull.com.

What happens when you stop trying to be the “right” kind of artist and start becoming the truest version of yourself? This week, Annie and Brie sit down with Charlotte-based multidisciplinary artist and illustrator Kyle Mosher to talk about artistic evolution, trusting the long game, and the surprising places a creative path can take you. From studying fine art in Italy to designing sneakers at Puma to building a community-powered brand, Kyle shares the pivots, risks, and revelations that shaped his signature style, and the way preparing for fatherhood is shifting everything he thought he knew about success.Kyle Mosher is a full-time artist, illustrator, and founder of Paid For With Art. Known for his collage-inspired style that blends fine art, culture, and graphic design, Kyle has collaborated with brands like Porsche, HBO, Forbes, and Dunkin'. Through his work and creative community, he champions the value of artistry and the belief that every creator deserves to get paid for what they love.Connect with Kyle:IGWebsitePaid For With ArtResources mentioned:Zibra Holiday Shop – use code BANTER10 for 10% offIn this episode, we discuss:How Kyle discovered his artistic voice by blending fine art, streetwear, and lived experienceThe real work of shifting from “I make art” to “I run a creative business” (and the mistakes that taught him everything)Why resilience, authenticity, and believing in your perspective matter more than perfection in a creative careerWelcome to Brush & Banter—the podcast where creativity meets real-life hustle. Brought to you by Zibra, we go beyond perfect brushstrokes to explore the messy, magical, and meaningful side of being an artist. We're here to bring you conversations with working artists, practical tips to grow your creative business, and a built-in painting companion for your next project. Brush & Banter is co-hosted by Brie Hansen, President of Zibra; Annie Bolding, Founder of It's a Disco Day Designs; and Lauren Cooper, Founder of Rosemont Lane Design Studio. Connect with Zibra: Website Instagram TikTok Facebook YouTube Blog

What if the key to more effective leadership lies not in a new strategy, but in understanding your own biology? In this episode, Kevin speaks with Dr. Scott Hutcheson about an unconventional approach to leadership: biohacking. Dr. Hutcheson shares his behavioral leadership model, built around three biodynamic channels: warmth, competence, and gravitas. He identifies specific, observable behaviors within each channel that send powerful signals to teams, signals that either inspire connection and confidence or lead to disengagement. They also discuss how everyday actions like being punctual, actively listening, and managing workload effectively are more than simple good habits. These behaviors function as leadership signals that directly shape how teams perceive their leaders and, ultimately, how they perform. Scott's Story: Dr Scott Hutcheson, PhD, is the is the coauthor of Strategic Doing: Ten Skills for Agile Leadership and his new book, Biohacking Leadership: Leveraging the Biology of Behavior to Maximize Your Impact – the first in a three-book series on the biodynamics of leadership, teams, and organizations. He is a biosocial scientist and senior lecturer at Purdue University, where he studies leadership, teamwork, and organizational performance through the biology of behavior. After a Type 2 diabetes diagnosis, he turned to biohacking—using data and feedback loops to optimize health—and soon recognized that the same principles could transform leadership. With over 30 years of experience, Scott has advised the White House, Fortune 400 companies, startups, nonprofits, and communities worldwide. He has worked with more than 4,000 leaders across 147 countries. His TED Talk on the "Science of Prospection" has been viewed over 1.3 million times, and his Forbes column reaches millions of readers, ranking in the top 0.1% of contributors. This Episode is brought to you by... Flexible Leadership is every leader's guide to greater success in a world of increasing complexity and chaos.  Book Recommendations Biohacking Leadership: Leveraging the Biology of Behavior to Maximize Your Impact by Scott Hutcheson Atmosphere: A Love Story by Taylor Jenkins Reid Like this? Lessons from a Fortune Top 50 Leader with Mitch Daniels Executive Presence with Joel Garfinkle The 8 Strengths that Redefine Confidence with Lisa Sun Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Review on Apple: https://remarkablepodcast.com/itunes    Join Our Community If you want to view our live podcast episodes, hear about new releases, or chat with others who enjoy this podcast join one of our communities below. Join the Facebook Group Join the LinkedIn Group  

What does it really take to plan your taxes to - and through - early retirement? In this week's episode, Dr. Jay sits down with Certified Financial Planner® and author Cody Garrett to unpack the key ideas from Cody's new book, Measure Twice, Money Once. Together, they explore how intentional tax planning can turn early retirement from a financial dream into a sustainable reality.From understanding how tax brackets shift when your income changes, to strategically timing Roth conversions and managing healthcare costs before Medicare — they cover it all. You'll also hear practical, values-based advice on aligning your tax and income strategies with the kind of life you actually want to live.Whether you're five years from early retirement or already there, this conversation will help you create a tax strategy designed for freedom, flexibility, and purpose.We'll Cover:00:00 — Welcome and why early retirement tax planning matters04:32 — The three stages of tax planning: before, during, and after retirement10:48 — Roth conversions: when they make sense (and when they don't)18:25 — Managing healthcare costs before Medicare eligibility27:10 — Building a tax-efficient income plan for the long runMentioned in this Episode:- Get Cody's book here: https://www.measuretwicemoney.com/book- Get Dr. Jay's book "The Childfree Guide to Life and Money" here: https://childfreewealth.com/childfree-guide/- Learn more about Childfree financial www.childfreewealth.com- Learn more about Childfree Trust: https://www.childfreetrust.com About our Guest: Cody Garrett is an advice-only financial planner, educator, and founder of Measure Twice® Money, where he helps DIY investors make informed financial decisions aligned with their values. He also leads Measure Twice(R) Planners, an educational community for financial planners. Cody's insights have been featured by The Wall Street Journal, Barron's, Forbes, and CNBC. He's a frequent guest on personal finance podcasts, including ChooseFI, The Long View (Morningstar), and Bogleheads on Investing.Connect with Cody here: https://www.linkedin.com/in/codylgarrett/ The Childfree Wealth Podcast, hosted by Bri Conn, CFP®, and Dr. Jay Zigmont, CFP®, is a financial and lifestyle podcast that explores the unique perspectives and concerns of Childfree individuals and couples. Like the show? Leave us a rating & review! If you want to join the conversation, email us at media@childfreewealth.com, follow Childfree Wealth® on social media, or visit our website www.childfreewealth.com! Join our newsletter HERE. Schedule a meeting with a Childfree Wealth Specialist® HERE. Instagram: @childfreewealth Facebook: @childfreewealth LinkedIn: @childfree-wealth YouTube: @ChildfreeWealthPodcast Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

What if the best opportunities in your life were sitting just a few feet to the left of where everyone else is looking?In today's episode, Michael shares a counterintuitive but wildly effective relationship strategy inspired by his 40-day drive through 11 national parks during the pandemic. While exploring Yosemite, he realized that almost everyone flocks to the valley—while the equally majestic Tuolumne Meadows sits nearly empty.That insight became a guiding principle:When it comes to connection, go where no one else is.The less crowded place is the most powerful place.**In this episode, you'll learn:Why approaching speakers after a talk is the worst time to connectHow to meet people in moments where their guard is down and their humanity is upHow to leverage allies, friends, and gatekeepers instead of chasing the spotlightWhy serendipity is a strategy, not an accidentHow to create meaningful, memorable gestures that cut through the noiseThis is your blueprint for becoming the pleasant surprise in someone's life—the unexpected presence that opens doors, sparks relationships, and creates the kind of resonance that changes everything. Michael Trainer has spent 30 years learning from Nobel laureates, neuroscientists, and wisdom keepers worldwide. He's the author of RESONANCE: The Art and Science of Human Connection (March 31, 2026), co-creator of Global Citizen and the Global Citizen Festival, and host of the RESONANCE podcast.Featured in Forbes, Inc, Good Morning America. Follow on YouTube

Steve Forbes breaks down why any Russia-Ukraine peace plan that leads to the domination of Ukraine by Russia will prove to be a false success, and would set in motion horrific consequences not only in Europe but Asia and the rest of the world.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ellen Huet is the author of Empire of Orgasm: Sex, Power, and the Downfall of a Wellness Cult, available from MCD Books. Huet is an investigative journalist who covers technology and Silicon Valley forBloomberg News. She writes award-winning features for Bloomberg Businessweek magazine, has hosted two seasons of the podcast Foundering, and holds a particular interest in writing about strange and complex subcultures. Previously, she was a staff writer at Forbes and a crime reporter at the San Francisco Chronicle. She lives in the San Francisco Bay Area. *** ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Otherppl with Brad Listi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ is a weekly podcast featuring in-depth interviews with today's leading writers. This week's episode is brought to you by Aura Frames. Visit AuraFrames.com and get $45 off Aura's best-selling Carver Mat frames—named #1 by Wirecutter—by using promo code  OTHERPPL at checkout. Available where podcasts are available: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, etc. Get ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠How to Write a Novel,⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ the debut audio course from DeepDive. 50+ hours of never-before-heard insight, inspiration, and instruction from dozens of today's most celebrated contemporary authors. Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brad's email newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support the show on Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Merch⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Bluesky⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Email the show: letters [at] otherppl [dot] com The podcast is a ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠proud affiliate partner of Bookshop⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, working to support local, independent bookstores. Learn more about your ad choices. Visit megaphone.fm/adchoices

Re-release: Are you looking for insights to help you achieve your goals and maximize your potential? On this episode of the Live Greatly podcast Kristel Bauer sits down with Jon Acuff, the New York Times bestselling author of nine books, to discuss his book, 'All It Takes Is a Goal: The 3-Step Plan to Ditch Regret and Tap Into Your Massive Potential.'  Kristel and Jon discuss why goals are important, how to build momentum with goal setting, and how to avoid common pitfalls that can hold you back from being successful with your goals.  Tune in now! Key Takeaways from This Episode: A look into Jon's new book 'All It Takes Is a Goal: The 3-Step Plan to Ditch Regret and Tap Into Your Massive Potential'  Surprising research from Jon's new book Why it is important to start with small goals and end with guaranteed goals How perfectionism can hold you back from being successful with your goals How to build momentum with goal setting Tips for navigating the fear of failure ABOUT JON ACUFF: Jon Acuff is the New York Times bestselling author of nine books, including Soundtracks, Your New Playlist, and the Wall Street Journal #1 bestseller Finish: Give Yourself the Gift of Done.  Jon has a new book, All It Takes Is a Goal: The 3-Step Plan to Ditch Regret and Tap Into Your Massive Potential (Baker Books, September 2023). Backed by research—including hundreds of real people testing their own real goals—All It Takes Is a Goal shows you how to plan goals that you're guaranteed to reach by focusing on your best moments, navigating the three zones of performance, and finding ways to fuel your passions, all while actually enjoying the ride. When he's not writing or recording his popular podcast, All It Takes Is a Goal, Acuff can be found on a stage as one of INC's Top 100 Leadership Speakers. He's spoken to hundreds of thousands of people at conferences, colleges, and companies around the world, including FedEx, Range Rover, Microsoft, Nokia, and Comedy Central. He lives outside of Nashville, Tennessee, with his wife and two daughters. To learn more, visit JonAcuff.com Website: https://jonacuff.com/  Book: https://jonacuff.com/all-it-takes-is-a-goal-book/  Instagram: @jonacuff LinkedIn: https://www.linkedin.com/in/jonacuff/  Facebook: https://www.facebook.com/authorjonacuff  Twitter: https://twitter.com/jonacuff  Youtube: https://www.youtube.com/authorjonacuff  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness expert, popular keynote and TEDx speaker, and the host of top-rated podcast, "Live Greatly," a show frequently ranked in the top 1% for self-improvement. Kristel is an Integrative Medicine Fellow & Physician Assistant with clinical experience in Integrative Psychiatry, giving her a unique perspective into optimizing mental well-being and attaining a mindset for more happiness and success in the workplace and beyond. Kristel decided to leave clinical practice in 2019 when she founded her wellness platform "Live Greatly" to share her message around well-being and success on a larger scale.  With a mission to support companies and individuals on their journeys for more happiness, success, and well-being, Kristel taps into her unique background in healthcare, business, and media, to provide invaluable insights into high power habits, leadership development, mental well-being, peak performance, resilience, sales, success, wellness at work, and a modern approach to work/life balance. Kristel is a contributing writer for Entrepreneur and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. A popular speaker on a variety of topics, Kristel has presented to groups at APMP, Bank of America, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. She has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine, has contributed to CEOWORLD Magazine & Real Leaders Magazine, and has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC and Ticker News. Kristel lives in the Chicago area with her husband and their 2 children.  She can be booked for speaking engagements worldwide. You can learn more at https://www.livegreatly.co/  To Book Kristel Bauer as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

Changing the culture of a 400,000-person company isn't just hard—it's the kind of transformation most leaders wouldn't even attempt. But when Phil Gilbert joined IBM as General Manager of Design in 2010, that's exactly what he set out to do. And remarkably, he had a lot of success. Visit our Substack for bonus content and more: https://designbetterpodcast.com/p/phil-gilbert Phil led one of the most ambitious design transformations in corporate history, hiring over 1,000 designers, creating IBM's design thinking framework, and embedding a new way of working across nearly 180 countries. Now, with his new book Irresistible Change, Phil is sharing the blueprint for how he did it—and more importantly, how you can apply these lessons to your own organization. In this episode, we talk with Phil about treating change like a high-stakes product, why IBM's transformation was opt-in rather than top-down, and what it takes to win over engineers who've spent decades deeply entrenched in a technical worldview. We also explore the design thinking bootcamp that became legendary within IBM, the intentional design of physical studio spaces, and what happened after Phil left the company. Phil's insights aren't just for those leading massive organizations—they're for anyone trying to spark meaningful change, build enthusiasm without mandates, and create work that actually matters to the people doing it. Bio Phil Gilbert is best known for leading IBM's 21st century transformation as their General Manager of Design. After selling his third startup to IBM in 2010, Phil was asked by IBM in 2012 to use design thinking, coupled with agile, to update how IBM's teams worked. The transformation became the subject of a Harvard Business School case study, the documentary film The Loop, and feature articles in the New York Times, Fortune Magazine, Forbes, Bloomberg, INC and many others. Phil's 45-year career spans startups, large corporations, and board memberships, where he has led organizations ranging from solo ventures to those with 400,000 employees. In 2018 Phil was inducted into the New York Foundation for the Arts' Hall of Fame. In 2019, the State of Oklahoma (Phil's native state) named him an Oklahoma Creativity Ambassador for his achievements in the world of creative thinking and innovation. Phil left full-time operational responsibilities at IBM in 2022 in order to focus on helping the next generation of entrepreneurs, business, and military leaders understand how to impact culture at scale, to improve innovation and team performance. Phil lives in Austin, Texas. *** Premium Episodes on Design Better This ad-supported episode is available to everyone. If you'd like to hear it ad-free, upgrade to our premium subscription, where you'll get an additional 2 ad-free episodes per month (4 total). Premium subscribers also get access to the documentary Design Disruptors and our growing library of books: You'll also get access to our monthly AMAs with former guests, ad-free episodes, discounts and early access to workshops, and our monthly newsletter The Brief that compiles salient insights, quotes, readings, and creative processes uncovered in the show. And subscribers at the annual level now get access to the Design Better Toolkit, which gets you major discounts and free access to tools and courses that will help you unlock new skills, make your workflow more efficient, and take your creativity further. Upgrade to paid *** If you're interested in sponsoring the show, please contact us at: sponsors@thecuriositydepartment.com If you'd like to submit a guest idea, please contact us at: contact@thecuriositydepartment.com

Jack McColl is an entrepreneur, business credit expert, and founder of Credit Stacking, a program that has helped thousands of entrepreneurs access over $100M in 0% interest funding to grow their businesses and create lifestyle freedom. Starting with just $10K and a hoverboard company, Jack learned through tough equity deals and high-interest loans before cracking the code on how to secure $100K+ in business credit with no tax returns or business history. Since launching Credit Stacking in 2016, Jack has scaled it into a seven-figure business, co-founded multiple ventures, and been featured in Forbes for his work. He now teaches entrepreneurs how to scale faster, avoid giving up equity, and use credit as a "cheat code" for growth. Based in Utah, Jack is also an action-sports enthusiast and private pilot who believes business should be a vehicle for freedom, not a grind. During the show we discussed: What Credit Stacking is and how it accelerates funding access. How optimizing personal credit boosts business card approvals. Whether beginners with no business history can get high-limit cards. What sets Credit Stacking apart from other credit or funding programs. Typical timeline for seeing results in the program. Common mistakes people make when building business credit alone. How business credit fuels growth without equity loss or risky loans. Which industries benefit most from Credit Stacking. How "top" business credit cards are selected. The role of personal credit scores in funding approvals. Typical credit limits achieved after completing the program. How the program helps avoid high-interest debt while scaling. Real success stories from entrepreneurs using Credit Stacking. How Credit Stacking supports those with already strong credit. Immediate steps to start stacking credit and accessing capital. Resources: https://go.creditstacking.com/  

Steve and Michael open this week's episode with a deep dive into the retail news of the week, marked by sharp contrasts in performance across the retail landscape. Walmart continues to separate itself from the pack, delivering another standout quarter, as omni-channel rival Target delivers another challenging quarter. The news segment analyses strong results from the off-price sector as TJX and Ross Stores both post impressive sales gains. The turnaround at Gap Inc. shows encouraging signs  under CEO Richard Dickson despite continued weakness at Athleta. In home improvement, both Home Depot and Lowe's see essentially flat comps as rate-locked consumers and affordability issues continue to weigh on spending. Furniture and home categories face rising tariff exposure, with Williams-Sonoma projecting its blended tariff rate jumping from 6% to 35%—a margin headwind that underscores industry-wide challenges. All told, the week's earnings reveal a retail landscape where the biggest players capture more share while many others struggle to keep pace.Steve and Michael revisit their encore interview with Artemis Patrick, President & CEO of Sephora North America—one of the most inspiring and resonant conversations in the show's archive. Artemis shares her extraordinary personal journey from immigrating from Iran and growing up in foster care to becoming one of the most influential leaders in global beauty.She details Sephora's global reach (34 markets, 3,000 stores), 700+ North American freestanding locations, a huge presence at Kohl's, and 40M+ Beauty Insider members, while unpacking the brand's unique power in incubating indie brands, championing diverse founders, and uniting physical and digital experiences long before Omni became a buzzword. Artemis also previews two transformational initiatives: a next-generation e-commerce platform enabling deeper personalization and a five-year renovation of every Sephora store—the largest capital project in the brand's history.After the interview the hosts each share their choice for buzziest story of the week before concluding with what's on their radar screens for the weeks ahead. SPECIAL OFFER for our listeners! SAVE 20% on registration for the all new Shoptalk Luxe event in Abu Dhabi January 27-29.For more info go to https://luxe.shoptalk.com/page/get-ticket and then register using our special code : RRLUXE20 About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling authro of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels, most recently on the main stage in Toronto at Retail Council of Canada's Retail Marketing conference with leaders from Walmart & Google. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fourth year in a row, Thinkers 360 has named him on of the Top 50 global thought leaders in retail, RTIH has named him a top 100 global though leader in retail technology and Coresight Research has named Michael a Retail AI Influencer. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.

Learn the proven framework to boost retention, engagement, and productivity by communicating authentic appreciation. Host Khudania Ajay (KAJ) talks with psychologist and bestselling author Dr. Paul White, who has helped companies like Microsoft and Starbucks create healthier workplaces. Discover how to apply the 5 Languages of Appreciation to your team. For more expert conversations, visit https://kajmasterclass.com =========================================

11/24 Hour 3: How Can Washington Build Up Their Roster - 1:00 Maher And Valdez Recap The Turkey Shootout - 20:00 Emmanuel Forbes Is Balling For The Rams - 32:00

In today's episode, Michael reveals the exact strategy he uses to connect with high-performing, hard-to-reach humans: always make your ask an offer.This simple shift transforms your outreach from transactional to magnetic—and dramatically increases your likelihood of receiving a meaningful response.You'll learn:Why most asks fail (and how to avoid the “pick your brain” trap)The neuroscience of why personalized offers create instant rapportHow to research someone's deepest values—and speak directly to themThe Hot Ones principle: surprise people with depthWhy offering unique experiences is more powerful than credentialsHow Michael built relationships with Moby, Flea, No Doubt, Woody Harrelson, and moreThe “Wolf Connection” example you can model in your own outreachWhy making it easy to say no actually increases your chance of getting a yesHow to follow up in a way that builds connection rather than pressureHow Michael is using this method to book 50–100 podcast appearances for his book RESONANCEHow to leave “a flower at the door” instead of an energetic tangleThis is one of the most practical and transformative relationship tools in the Resonance Method. Use it well. Michael Trainer has spent 30 years learning from Nobel laureates, neuroscientists, and wisdom keepers worldwide. He's the author of RESONANCE: The Art and Science of Human Connection (March 31, 2026), co-creator of Global Citizen and the Global Citizen Festival, and host of the RESONANCE podcast.Featured in Forbes, Inc, Good Morning America. Follow on YouTube

Keith tells how much he paid for his first property and how he traded up for more and larger properties.  He highlights the benefits of owning real estate, noting that 63% of the median American's net worth is in home equity and retirement accounts, while the top 1% has 45% in private business and real estate.  He also shares his personal journey and emphasizes using other people's money to grow assets. Discover why outdated rent control policies harm housing supply and affordability.  Learn innovative ways to turn your property's unused spaces into effortless cash flow with today's best peer-to-peer platforms.  Sign up at GREletter.com to grow your means, and join a thriving community passionate about breaking free from financial limits! Resources: These platforms let property owners creatively monetize underutilized spaces. Neighbor.com – Rent out your garage, basement, driveway, or unused space. Swimply.com  – Rent out your swimming pool by the hour. StoreAtMyHouse.com  – Rent out your attic, closet, or other home storage spaces. SniffSpot.com  – Rent out your backyard as a private dog park. PureStorage.co  – Rent out extra storage space such as garages or sheds. PeerSpace.com  – Rent out your space (home, backyard, loft, warehouse, etc.) for events, meetings, or photoshoots. Episode Page: GetRichEducation.com/581 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, talking about how I personally built and grew wealth myself with real numbers and real properties, what a rent freeze actually means to you, and how you could be losing income by not creatively generating more rent from properties that you already own. I'll talk about exactly how today on Get Rich Education.   Speaker 1  0:27   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:12   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from Stonehenge, England to Stone Mountain, Georgia and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education. I visited Stonehenge and made, by the way, today I'm back for another incomprehensibly slack jawed performance here, still a shaved mammal too. Status hasn't changed. And remain profligate and unrepentant about the whole thing. You probably know it by now that if you're listening here and you want to learn and do things the same way that everyone else does things, then you are squarely in the wrong place. I really mean it more on that later. But you know, Wall Street doesn't scorn real estate because it's risky. They dislike it because it doesn't scale the way that they need it to private real estate can get messy, operational, illiquid. Every real estate deal is different. Every market has its own physics. You can't package it into a fund with a push button deploy strategy. And that's precisely the point. The modern financial system rewards frictionless products that trade constantly and generate fees instead building real, durable wealth has never been frictionless. Here's what the wealth distribution actually shows for the median American. 63% of net worth is in home equity and retirement accounts. For the top 10% that tier, 25% is in real estate and private business ownership. But for the top 1% that highest tier, 45% combined is in private business equity and real estate. So as you approach the top 1% it's more skewed toward owning a business and directly owning real estate. Wall Street, they only offer derivative exposure to real estate through mega funds and REITs. But exposure isn't ownership. Your best risk adjusted returns live in the deals that are too small and too messy for institutions to touch, and that's where your yield lives. The control, the opportunity, the world's enduring fortunes weren't built just by buying exposure. They were built by owning things, land companies, assets that require some sweat to get them going. The next decade favors owners over allocators, the stuff that pays you perpetual dividends. So the irony is that the very things Wall Street avoids the messy hands on part of real estate. Oh, well, that's what makes it such a powerful wealth builder. And see, even, as we somewhat found out last week when we talked about AI property management here on the show, you can't fully automate relationships or construction or management, but that friction is exactly where the margin lives. What makes real estate frustrating for institutions is exactly what makes it valuable for operators and long term owners like you and I. It's the nuance, the inefficiency and the need to actually. Know something about a market, rather than just model it. Wealth that lasts comes from assets that you can influence, not just monitor, and that is the difference between you having mere exposure and true ownership. You can't outsource legacy, the messy path of ownership is often where meaning in real freedom is found. You've got to tend to the garden somewhat, whether your properties are professionally managed or self managed, but some people get overwhelmed if they're asked for a log in and a password, even we all know that feeling somewhat well, then they stay metaphorically logged out of success. Think about how easy remotely managing your real estate portfolio is today. Sheesh 200 years ago. There was no anesthesia. We had smallpox, brutal physical labor, no electricity today. What if a website tells you that you've got to reset your password? Oh my gosh, is the deal often just overwhelming? Can you imagine the effort now, two weeks ago, I mentioned to you that I went back and visited the first piece of real estate that I ever owned, that seminal blue fourplex. But did I ever tell you how I grew that seed into a massive real estate portfolio, and how you can do it by following GRE principles? Let me take you through the early steps here so you can see how you can get something similar going. Of course, your path will look different, but this is going to spawn a lot of ideas for you. I think you already know about my 10k to 11k down payment into that first ever fourplex as the FHA three and a half percent down. Owner occupied, but I didn't buy another piece of real estate for over three years, because real estate just was not that driving thing in my life yet. So I lived in one of those really modest four Plex units longer than I had to three plus years after that, I moved out to a pretty modest, still single family home five miles away, that I had just bought. And since I vacated one of the four Plex units in order to do that. Now, I had four rent incomes instead of three. But here is really the pivot point with what happened next. Now, what would most people do? They might hold on to that four Plex, keep self managing it, and when they could, perhaps aggressively, make principal payments, getting the building paid off before its organic 30 year amortization period. And then what else would they do once it was paid off? Say that would take them 12 years, which would entail a lot of sacrifice, like working overtime at their job and skipping vacations. Oh, they think something like, Oh, now the cash flow is really going to pour in with his paid off fourplex? Yeah, it sure would increase a lot, but after 12 years of toil and sacrifice cashflow off of one fourplex still wouldn't even let you quit your job. Staying small doesn't work, plus you live below your means for a really long time that is sweat and time that you're never going to relinquish. You started working for money. Rather than letting other people's money take over and work for you, it is right there waiting to do that for you. So instead of that path, what I did is when equity ran up in that first fourplex building. Its value increased from 295, to 425, in three and a third years, I did exactly the opposite. I borrowed the maximum out of that first fourplex building, 90% CLTV, and used those tax free funds. Yeah, tax free funds, when you do that to both spend money, well on vacations and make a 10% down payment on a second fourplex building that costs 530k now I'm still living in the single family home while I've got the two fourplex buildings, both with 90% loans on them, still cashflowing A little so eight rent incomes, more debt than I ever had, 10 to one leverage on two fourplexes, and this was all less than five years from the time that I bought the first fourplex. And yes, it probably took some password resets in there. Then next I learned that investing in only one Metro, which is what I had done to that point, that's actually pretty risky, because all eight of my rent incomes, plus my own primary residence, were exposed to the whims fortunes and misfortunes of only one economy. This was in 2012 now, so I started buying turnkey single family. Rentals in other economies that make sense. Investor advantage places is what you've got to look for, Florida, Texas, Ohio, Alabama, Tennessee. My first turnkey was bought in the Dallas Fort Worth metro. I know I've told you that before, all right, but how was I buying more even though I was still working a day job in a cubicle for the D, o, t. Well, it wasn't from my job, because that job is working for money. What it was is borrow tax free and grow, borrow tax free and grow, borrow tax free and grow. By then, enough equity had accumulated in the first two fourplexes that I traded, one for an eight Plex and the other for an 11 Plex. Now we're getting up to $3,500 of monthly cashflow at this point, which is probably 5k plus per month in inflation adjusted terms. And the 8plex cost 760k and the 11 Plex cost 850k back then, and I still remember that that was a big day for me back then, those buildings closed on either the same day or on consecutive days. I forget. Well, that was 1.6 million in purchases. Maybe that's two to two and a half million in today's dollars. And see that is sure more than what one paid off fourplex would have given me on that old slow track, yet I had all of this faster than waiting 12 years to aggressively pay off one fourplex. And you know, some could say back at that time, they would look at that situation from the outside and say, Keith, where did you get the money to make 20% down payments on that 1.6 million worth of real estate, that is 320k cash? Did you save up all the money? No, I didn't. I didn't have the ability to save that much money at my job. Did you use your existing properties like ATMs, raiding one property to buy another. Yeah, that's exactly what I did. That is the use of other people's money that is wiser than spending my time away from loved ones by selling my time for dollars that I'm never going to get back. And by the way, I have always been the sole owner of properties. No partners here. Now, at this point, I've got dozens of running units spread across multiple states, all professionally managed. And by the way, eight doors is the most that I've ever self managed, because I got professional management involved after that. Oh, there are a ton of lessons in there about what I just told you, many of them, which I've sprinkled through more than 500 episodes now, but now that I told you where I came from, do you know the lesson that I want to leave you with here on this one, for the most part, it's that I'm not even using my own money to do this now, I did add some of my own money for down payments. Sure, by far the minority portion, primarily and centrally. I keep leveraging the bank's money, and they make the down payment for me on the next property. Borrow tax free and grow, borrow tax free and grow, borrow tax free and grow. Yes, the pace of you doing this is going to fluctuate over time, but that is the playbook that I just gave you right there. Now I've done it in cycles that feel slower because appreciation is lower, but interest rates tend to be lower during those times. And I keep doing it in cycles that move faster because appreciation is higher and interest rates tend to be higher during those times. I've done it when lending was loose, like pre Dodd Frank, and I've done it when lending was tight and inflationary. Times supercharged this whole thing. Sooner than later, you would rather get $5 million worth of real estate out there under your belt, all floating up with inflation and appreciation, not just $1 million worth, $1 million worth, that's more like sticking with one fourplex and trying to pay it off. Anything worth doing, anything in your life is worth doing. Well, look, other people's money is still available to me and to you. So using my own money back when I was an employee, I mean, that's exactly when I would have had to trade more of my finite time for dollars and see, that's what the masses do, and that's precisely what keeps them as the mediocre masses. I really mean it. Now, I wanted to make things real for you with that soliloquy.   Keith Weinhold  14:47   Later today, I'll discuss the GRE principles. Did that formative story spawn? A few weeks ago, it made substantial news inside and outside the real estate world that Zohran Mamdani was elected to be the next New York City Mayor. His first day on the job will be the first of the coming year. And actually, it's easy for you to remember how New York City mayoral terms work, because it is the same as the President of the United States. Each term lasts four years, and they can serve up to two consecutive terms eight years. Let's you and I listen into the audio from this short video clip together. This Mamdani campaign spot ran back before election day, but it tells you what he stands for and where he's coming from with regard to rent. In a slightly corny way, the ad shows various tenants popping their heads out of apartment windows and such, saying like, Hey, wait, what? You're going to freeze my rent?   Speaker 2  15:50   I'm Assemblyman Zohran Mamdani, and I'm running for mayor to freeze the rent for every rent stabilized tenant.   Unknown Speaker  15:57   Wait, you're gonna freeze my rent?   Speaker 3  15:59   Yes, did I hear rent freeze?   Speaker 4  16:02   Yes, this guy's gonna freeze the rent. No. Pike none. This guy's gonna freeze the   Unknown Speaker  16:09   rent. It's true.   Dani-Lynn Robison  16:12   As your next mayor, I will freeze your rent paid for by Zoran for NYC.   Speaker 5  16:17   The banner at the end of the ad reads, Zoran for an affordable New York City. Oh, yeah, slogans like that are so catchy for anything. All right, he says he's going to freeze the rent for every rent stabilized tenant. And rent control and rent stabilization, they mean very similar things, ceilings on the rent. I'm soon going to tell you what I think about that, and I've got more on Mamdani shortly, but it's not going to be political This is not that kind of show. This is an investing show. I think that even our foreign listeners know how big and influential New York City is. It's not the political capital, but it is the capital of so many things in the United States, it's America's largest city by far, eight and a half million just in the city proper, 20 million in the metro. And New York's growing in sheer number of people. The Metro gained more population than any other city, almost a quarter million people added just last year, even if you doubled the population of the second largest city, LA, New York City would still be larger. All right. Well, how did we get here? A quick story of New York City rent control is that in 1918 New York City passed its first flavor of rent control, and that was the first US city to do so that didn't solve the problem. So in 1943 Congress passed the emergency price control act, and its name implied a temporary patch during World War Two. But even after it expired, and even after the war ended, New York State chose to make it basically permanent in 1950 that didn't solve the problem. So in 1962 New York state passed a law allowing cities to enact expanded rent control if they declared a, quote, housing emergency. Well, New York City did, and that housing emergency has essentially continued unresolved. Still, what they consider an emergency condition persists today, yeah, all these decades later. I mean, really a what, 60 to 70 year long emergency condition that didn't solve the problem. So in 1969 new york city passed what they called rent stabilization. It's really just a new flavor of rent control, and this greatly expanded the number of properties that were subject to these rent regulations. And about half of New York City's apartments are subject to that law that didn't solve the problem. So more expansion and more tweaks of regulating the rent were made in the decades that followed. You had notable ones in 1997 2003 2011 in 2015 but none of them solved the problem. So in 2019 New York expanded rent stabilization to include what they call vacancy control. Now what that means is rent caps are now applied to new renters, not just those existing tenants renewing a lease, and it also granted more tenant protections that didn't solve the problem. So in 2024 New York State passed what they call good cause eviction. That is a third expansion of rent regulation in these tenant protections. This time, they just gave it a slick name, kind of apropos of Madison Avenue's famed market. Marketing prowess. I suppose that didn't solve the problem. And by the way, rent caps came in below not only the rate of inflation, but also below household income growth almost every year over the last decade, and in some years, no increase was allowed at all. That is a rent freeze. But that didn't work either. And meanwhile, New York's public housing agency has 80 billion in deferred maintenance needs, and it's running a $200 million plus operating deficit. So government run housing that hasn't worked either. All right? Well, that brings us to 2025 where New York City is electing a mayor who campaign on freezing the rents and expanding public housing. So New York City now has, for over a century, chosen to expand and rebrand these ideas that just haven't worked, and yet they keep coming back for more and yeah, what exactly is the word for doubling and tripling and quadrupling down on ideas that have proven not to work? Is that word stupidity? Hmm, so throughout that history that I just brought you from 1918 whenever I say that didn't work, what do I mean by that? And here's the big takeaway for you. What I mean is that rent control hasn't worked in New York City because it discourages landlords from maintaining rental housing, and certainly from building new rental housing. So what that does is that it shrinks the supply over time When demand exceeds supply, you know what happens to price? And in Manhattan, just the studio apartment now averages $4,150 and the average rent citywide, that's Manhattan, Brooklyn, Queens, the Bronx and Staten Island, which does include some rough areas in this average rent is $3,560 so as a result, what really happens here is that rent control helps a few lucky tenants while driving up rents and then worsening the shortages for everyone else. So what is the solution here? It is simple. Actually do less. I mean, isn't it great when you can solve a problem in your life by actually doing less? Yeah, drop the regulations against building and drop all forms of rent control, that way we'll have more building, and with higher supply, natural price discovery could take place. So he says he's going to freeze the rent for every rent stabilized tenant. And you can start to understand why we don't discuss investing in New York City Housing very much on GRE what we do. We talk about it as a model of what not to do. The good news is that I don't have any evidence of rent control spreading into the investor advantage areas that we talk about here, like the southeast and the south central part of the United States and the Midwest. But here's the thing, just ask yourself this question, what if there was a force imposed on you by popular vote that froze your income. Okay, I'm talking about no matter what you do from work you're a software engineer, a doctor, a nurse, a paralegal, a carpenter. Would you think that was really unjust if your profession were singled out, and then voters said, hey, no more raises for you. We don't care if there's inflation, we don't care if you're getting better at your job. We don't care if you have rising expenses. We're going to put a cap on your income. How would you like that? Well, look, in New York City, they're voting for landlord's income to be frozen. They are singling out one profession, and these are really important people. These are the housing providers. So by the way, I've heard two people describe New York City mayor elect Zohran mandami. Is a good looking man? Is he good looking? I had to go look again. When people said this, I guess he's not bad looking. And hey, despite being a heterosexual male, I can say that some guys are good looking. I just never thought that with him.   Speaker 5  24:32   Now, do you have one friend kind of have that type of friend who always just seems to know what's happening in the housing market? Well, that person could be you. There is a way to do that. Boom, it's easy, and you're going to sound smart without reading a single boring, fed report. I don't sell courses. I don't wear sunglasses indoors, and I definitely don't tell you. To flip houses on Tiktok. I just talk here, and I send you a smart, short real estate newsletter. That's it. This is smart stuff that you can brag about at boring dinner parties, and you've got a lot of those coming up here at the holidays. It is free. I write our letter myself, and I'd love to have you as a reader, sign up at greletter.com it's quick and easy. Your future wealth will thank you for it. See what I did there. It takes less than three minutes to read, and it is super informative. GREletter.com Again, that's greletter.com, I've got more straight ahead.    Keith Weinhold  25:45   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why? Fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre or send a text now it's 1-937-795-8989, yep, text their freedom coach, directly again. 1-937-795-8989   Keith Weinhold  26:57   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Dani-Lynn Robison  27:30   this is freedom family investments, co founder day. Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  27:37   welcome back to get reciprocation. I'm your host. Keith Weinhold, earlier this year, I talked to you about new ways where you can generate more income from the properties that you already own, and doing that through peer to peer leasing platforms, I got feedback from you that you loved it when I talked about it on that episode. Well, I've got more of them to tell you about today. This is exciting. Is there money sitting right under your nose and you haven't even collected it yet? And sometimes this happens in the world. This has nothing to do with finding Uranus, but it is similar to how they just discovered a new moon of Uranus, even though it's only six miles wide. Yes, that's something that scientists recently discovered, yes, much like this new small moon of Uranus that was really always there, but just discovered, metaphorically, this is what we're talking about with your real estate here now. This is a lot like how Airbnb rattled the hotel world about 15 years ago. These platforms let you rent out space and amenities that you already own but barely use. Neighbor.com, is the first one. I'm not going to say.com every time, because most of them are that way, and they've got a mobile app of the same name, all right, neighbor that's like Airbnb for your garage or your basement or even that creepy crawl space that you never go into. So instead of letting junk collect dust, you rent out your unused space to people who need that storage, meaning then that their clutter pays your mortgage. So customers request space and then you approve it. That's how it works. In fact, we have a woman here on staff at get rich education that easily made about 1000 bucks personally on neighbor, she rented out a parking space in her driveway. She rented that space to a college student that needed a place to park her car while she went back home for the summer. You can easily do that too. Then there. Swimply, S, W, I, M, P, L, Y, rent out your pool by the hour. Yes, your pool is no longer just for cannonballs, awkward barbecues and tanning sessions that you regret, although not typically, I've read about how some people have made passive income streams of $15,000 per month this way. I mean, gosh, did Marco Polo just get turned into a side hustle? Or what that is, swimply. Then there is store@myhouse.com Do you have an empty closet or an attic? You can turn that into a treasure vault for stranger stuff, and you can get paid while their clutter hides in your home instead of their home. So think of it as maybe some pretty passive income, only dustier, and who even lives there in your attic right now? Anyway, a bunch of raccoons. They're not paying your rent again. That is called store at my house. Sniff spot. It turns your backyard into a private dog park. Yeah, local pet owners can book your yard by the hour to let their pups run and sniff and play. You provide the grass. They bring the zoomies, and you pocket the cash that is sniff spot, Pure Storage. That one is a.co when people need storage, you swoop in like a friendly capitalist neighbor with your extra space. So you rent out your garage or a shed, or, say, even a corner of your basement, and you watch empty become income, you are basically running a mini Self Storage empire without the neon sign. I mean, sheesh, you are kind of like Jeff Bezos with cobwebs here. Okay. Again, that is purestorage.co, then there's peer space. Now I've used this one before, personally, and so has someone else here on staff on GRE she actually told me about it. What I did is I paid for a few hours as a renter, not the landlord on peerspace. In fact, I rented this space this past summer to give an in person real estate presentation where I covered real estate pays five ways and the inflation triple crown and all of that with peer space, you rent out your space for events, okay, so your home or your backyard or loft or some funky warehouse, you rent that out by the hour, and those events could be film shoots or workshops or parties or other events. That's what peer space is for. I mean, that could be a cool backdrop for an influencer or a film crew that has a pretty big budget. Renters come to you with alacrity. They will come to you because they can often save 50% or more versus using more traditional avenues. There, in fact, even public storage, like that's the company name Public Storage. They're the nation's largest self storage space operator. They even use neighbor.com to help lease out their leftover inventory. And so do some REITs that have extra space at their office or retail or apartment properties. They use neighbor.com as well. All right, so that's my roundup of more peer to peer leasing platforms, a few more of them than I told you about earlier this year, and the types of listings you can get creative. People are getting creative. They are monetizing everything from empty barns to vacant strip mall storefronts to church parking lots. I mean, consider how often church parking lots are empty. They're empty almost every day except Sunday. So get creative and think about space that's not being used. One thing to look out for, though, is that your HOA might try to crush your entrepreneurial spirit here. So keep that in mind. Just look around. Do you own any underutilized space or asset that you can rent out. Well, chances are there's already a peer to peer rental platform for it. And when you visit any of these platforms that I told you about, I mean, you're probably already going to see people offering space in your neighborhood. You'll be surprised.    Keith Weinhold  34:39   And this is not some unproven fad. Turo really took off about 10 years ago when they realized that most Americans' cars just sit idle, more than 95% of their time in their driveway or in their garage. Well, at that point, everyday people started to lease out their cars. Cars on Truro. So the bottom line here is that if you own most any real estate, then you've got options, and you can often make the rules peer to peer. Leasing platforms add new income streams to your life, and if you read my Don't quit your Daydream letter, you'll remember that I wrote about those resources and gave you their links and everything. See, that's the type of material that I put in the letter sometimes and again. You can get it at gre letter.com It shows you how to build wealth, much like I've been talking about on the show today. This is vital, because the conventional consumer finance world, you know, they just don't tell you about things like this. For example, did you ever wonder why economists aren't rich like maybe you would think that they would be Well, it's because schools and universities, they don't really teach you how to make money so someone can have an advanced degree, a Master's, or even a doctorate. That degree will be in finance or in economics, but they're still broke, or they're still trapped by their job, because the only way they know how to make money is by having a job. There's nothing wrong with having a job, but that's the only thing they know. They never learn how to earn and multiply money like with what I've been discussing today. Economists make between 70k and 180k per year in America today, you know, school taught both us and them the theory of money, how it's counted, how it's tracked, and how it flows through the system, but it really didn't teach them how to build a little diverter device on that flow to earn it or create it or leverage it to build freedom for themselves. And that is why this show is here. That's not a knock on economists. Economists are brilliant people, and some of the best known ones are guests on the show here with us. At times, we don't just want to live in a world of models and charts, though, when you build real world wealth with mortgages and markets and moves that don't always fit inside a formula, and certainly not a conventional one that you grew up with. So when you hear the experts talk about where the economy's heading, sure listen to them. I listen to them, but be sure to apply that to your own balance sheet, because you don't build wealth in theory, you build it in real life.    Keith Weinhold  37:44   Then how do you get a good deal? Build a relationship with a GRE investment coach like Naresh. Here you can do that on just 130 minute call with him, and then when the deal that you want becomes available, he'll let you know. By the time you find something on the internet, it's going to be too late, because that means a lot of people have already passed on that deal. If it's already out there publicly, like I said earlier, if you want to learn and do things the same way that everyone else does, then you are squarely in the wrong place. I really mean it. And why would that be? In fact, what does everyone else have? Not enough money at the end of the month, a budget where they constantly have to make sacrifices to meet it, because they think that is the way and they live below their means instead of grow their means. The underlying philosophy here at GRE is, don't live below your means. Grow your means. In fact, we have a T shirt with Grow Your means on it and our logo on it in our merch shop. That's why GRE has a tree in the logo. Grow your means. Instead of shrinking your lifestyle to fit your income, it's about expanding your income to fit your ambition, so don't cut your dreams to match your paycheck. Grow your paycheck to match your dreams. This really reflects the abundance mindset behind get rich education, that wealth isn't built by pinching pennies, but by creating more cash flow and assets and income streams in practical terms, like with what I talked about, about growing my own portfolio back at the beginning of today's show, this means buying cash flowing real estate that's growing your means leveraging good debt that's growing your means using inflation to advantage, that's growing your means investing in yourself or in new ventures. That's growing your means it's the mindset opposite of budget, harder. It is earn smarter at its core, grow your means. What that means is expand your capabilities in. Not just your comfort zone. Use creativity and leverage to multiply your results. View financial growth as a positive, proactive act, not a greedy one, because you're going to serve others with good housing and maintain it. This all encourages abundance over austerity, and it's the same idea behind the tagline financially free beats debt free.    Keith Weinhold  40:27   Thanksgiving is coming up this week, and I'll tell you something. Luckily, American ingenuity improved since the Pilgrims left England, traveled to a totally new continent, and called it New England. Fortunately, we have become more innovative since then, you are about to have more topics for conversation with family at the holidays. And note that Gen Z, ages 13 to 28 they are more likely to talk money today than they did previously. They are kind of the share everything on social generation. Tell relatives about your real estate investing, or at least some of the ideas you have. Tell them, perhaps something that they would be surprised to hear, that you learned on this show, like mortgage rates are, in fact, historically low today, actually, or something like that. And at Thanksgiving or Christmas, please tell a friend about the show. GRE is the work of my life, and that would mean the world to me. If you like listening every week, tell a friend about the show. Now use the Share button on your podcatcher if this show helps you see money or real estate differently. On Apple podcasts, touch the three dots and then the Share button. On Spotify, I think you can just hit the Share icon, the little rectangle with the arrow, and post it to your social feed or social story. That's how more people learn how to build real wealth like we do here at GRE and even better, Don't hoard the good stuff. If you learn something here, engage in the nicest kind of wealth redistribution. Tap the Share button right now and text this episode to one friend who'd appreciate it. Until next week, I'm your host, Keith Weinhold, have a happy Thanksgiving, and don't quit your Daydream.   Speaker 6  42:29   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  42:57   The preceding program was brought to you by your home for wealth building get richeducation.com