Podcasts about Forbes

Bio For all hair types and textures.  Kate Assaraf the CEO of DIP Sustainable Hair Care, has crafted a 7-figure brand from the ground up—without resorting to Amazon. Her efforts have rallied the support of 12,500 Gen Z women and small business enthusiasts who embrace her mission of sustainability. Kate's initiatives also extend to uncovering deep insights on how corporate monopolies impact local economies. As a Forbes columnist and NJ 2024 Mompreneur awardee, her unique perspective on empowerment can enrich your discussions on helping others in their life journeys.  

Steve Forbes urges President Trump and his team to go back to following the Laffer Curve, economist Art Laffer's economic formula which fueled the American comeback of the 1980s and 1990s, in order to unleash today's economy and make a brighter future.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week on the New Music Business podcast, Ari sits down with Danny Ross, a producer and songwriter based in NYC, a columnist at Forbes, and founder of the largest songwriting camp in the world, Anti Social Camp. Danny's Anti Social Camp brings together over 250 songwriters, producers, and artists to collaborate amongst themselves and with major artists every summer in NYC. Past Anti Social Camp attendees have worked with artists including Jacob Collier, Miranda Lambert, Moby, Nile Rodgers, Kimbra, Andy Grammer, JP Saxe, and Rob Thomas. Brands like TikTok, Spotify, YouTube, Amazon, TIDAL, The Recording Academy, Republic Records, DistroKid, and The MLC are also intricately involved in the Anti Social Camp experience.If you are a songwriter or producer who's ever wondered what goes down at songwriting camps or how to get involved, you're going to learn all about that and more in this episode with Danny Ross. https://www.instagram.com/antisocialcamp/ Get $100 your Anti Social Camp Badge by using the code: ARIANTISOCIALVIP at antisocialcamp.comChapters00:00 The Importance of Reputation in the Music Industry03:02 Understanding Songwriting Camps05:48 The Structure and Dynamics of Songwriting Sessions08:47 The Evolution of the Anti Social Camp12:01 Building Community in New York's Music Scene14:54 The Anti Social Camp Experience17:54 Diverse Genres and Collaboration20:54 The Future of Songwriting Camps31:11 Creative Collaborations in Music Production32:26 Success Stories from the Camp33:44 Understanding Major vs. Indie vs. Self-Releasing Artists38:33 The Financial Landscape of Music Production44:53 Navigating Splits and Royalties in Music47:01 The Ethics of Publishing in the Music Industry52:39 Teaching the Next Generation of Music Creators56:40 The Importance of Community in Music Creation59:01 Defining Success in the New Music BusinessEdited and mixed by Ari DavidsMusic by Brassroots DistrictProduced by the team at Ari's TakeOrder the THIRD EDITION of How to Make It in the New Music Business: https://book.aristake.com Hosted on Acast. See acast.com/privacy for more information.

Dima is a two-time Stevie Awards winner, recipient of multiple industry awards, and a Forbes contributor, he helps brands turn reputation into a strategic advantage, leveraging AI and crisis management to drive growth.As CEO of Reputation House, Dima has worked with businesses in 15+ countries, helping companies across the U.S., UAE, Europe, Asia, and Africa transform reputation challenges into growth opportunities. His expertise spans crisis management, brand trust, and the psychology of digital influence.A sought-after international speaker, he has taken the stage at Seamless Dubai, Africa Fintech Forum, and Digital Marketing Nights (Hong Kong), sharing cutting-edge insights on AI-driven reputation management, brand resilience, and the power of digital perception.With a unique blend of strategy, technology, and real-world experience, Dima turns reputation crises into powerful growth drivers, helping businesses not just recover but scale to new heights.Connect with Dima here: https://www.linkedin.com/in/dimaraketa/https://www.facebook.com/dimaraketa13https://www.instagram.com/dimaraketta/https://reputation.house/Don't forget to click below to get our FREE LinkedIn High-Impact Post Templates to increase your engagement organically: https://www.thetimetogrow.com/ecsposttemplates

On this Live Greatly podcast episode, Kristel Bauer sits down with Zach Mercurio, author of The Power of Mattering: How Leaders Can Create a Culture of Significance. Kristel and Zach discuss actionable things that can support meaningful relationships and tips to make the people in your work and life feel valued.  Tune in now!  Key Takeaways From This Episode: What is mattering and why is it important Actionable things that can have a big impact around making people feel valued Why being intentional and even scheduling ways to make people feel valued is so important  A look into Zach's book, The Power of Mattering: How Leaders Can Create a Culture of Significance ABOUT ZACH MERCURIO Zach Mercurio is a researcher, leadership development facilitator, and speaker specializing in purposeful leadership, mattering, and meaningful work. He is the author of The Power of Mattering: How Leaders Can Create a Culture of Significance. Zach advises leaders in organizations worldwide on practices for building cultures that promote well-being, motivation, and performance. He holds a Ph.D. in organizational learning, performance, and change from Colorado State University, where he serves as a senior fellow at the Center for Meaning and Purpose and as an instructor in the Organizational Learning, Performance, and Change program. Connect with Zach: Order  The Power of Mattering: How Leaders Can Create a Culture of Significance LinkedIn: https://www.linkedin.com/in/zachmercurio/  Instagram: https://www.instagram.com/zachmercurio/  Website: https://www.zachmercurio.com/  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness and performance expert, keynote speaker and TEDx speaker supporting organizations and individuals on their journeys for more happiness and success. She is the author of Work-Life Tango: Finding Happiness, Harmony, and Peak Performance Wherever You Work (John Murray Business November 19, 2024). With Kristel's healthcare background, she provides data driven actionable strategies to leverage happiness and high-power habits to drive growth mindsets, peak performance, profitability, well-being and a culture of excellence. Kristel's keynotes provide insights to “Live Greatly” while promoting leadership development and team building.   Kristel is the creator and host of her global top self-improvement podcast, Live Greatly. She is a contributing writer for Entrepreneur, and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. As an Integrative Medicine Fellow & Physician Assistant having practiced clinically in Integrative Psychiatry, Kristel has a unique perspective into attaining a mindset for more happiness and success. Kristel has presented to groups from the American Gas Association, Bank of America, bp, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. Kristel has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine and she has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC, and Ticker News. Kristel lives in the Fort Lauderdale, Florida area and she can be booked for speaking engagements worldwide. To Book Kristel as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Click HERE to check out Kristel's corporate wellness and leadership blog Click HERE to check out Kristel's Travel and Wellness Blog Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

In this episode of the Remarkable Retail podcast, hosts Michael LeBlanc and Steve Dennis begin with a news segment covering recent market developments, notably the "tariff turmoil" between the US and China. They discuss how the US has partially de-escalated its stance, with tariffs dropping from a proposed 145% to 30%, creating a 90-day window for retailers to import products. However, they emphasize that smaller retailers remain disproportionately affected due to limited resources compared to giants like Home Depot.The hosts also cover recent retail earnings reports, including Walmart's strong comp store sales growth despite withdrawing Q2 guidance, and their strategic pricing approach to tariff impacts. Other earnings news included On Running's impressive 40% sales growth, while American Eagle, JC Penney, and Burberry reported significant losses. Additional news touched on refinancing challenges at Kohl's, potential bankruptcy concerns at Saks, and Dick's Sporting Goods' surprising acquisition of Foot Locker.The featured interview with Stephen Yalof, CEO and President of Tanger, explores his extensive career spanning retail real estate, including roles at New Plan Realty Trust, Gap, Ralph Lauren, and Simon before joining Tanger in 2020 – humorously noting he arrived when "every one of their 3,000 stores was closed" due to COVID.Yalof provides a fascinating historical perspective on outlet centers, explaining how they evolved from manufacturers' sales of returned items and factory seconds to a strategic retail channel. He details how the Tanger family themselves were shirt manufacturers who realized they were "selling more stuff out the back door than out the front door" before creating the first outlet center in Burlington, North Carolina.The conversation explores how vertical retailers like Gap transformed the model, creating consolidation stores for excess inventory before establishing dedicated outlet locations. This evolution progressed from pure excess inventory management to serving aspirational customers who understand brands but can't afford full price – what Yalof describes as bringing customers "into your ecosystem."In response to competition from online and fast-fashion retailers, Yalof explains Tanger's strategy shift from purely "power shopping" to full-service experiences with improved food, entertainment, and amenities. He compares this to how stadiums have evolved despite at-home viewing advances, stating, "We're the general merchandise managers of our shopping centers... it's about picking the right uses, right experiences, the right amenities."The interview concludes with insights into Tanger's digital engagement strategies, including how they leverage customer data to create targeted marketing campaigns and provide stackable discounts through retailer partnerships, guided by their vision of "using customer insight to inform the future of shopping." Here is a 10% off code for the CommerceNext Growth Show exclusive to Remarkable Retail listeners: REMARKABLE. 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.

Maggie Baird - Actress/writer/ & mother of superstars Billie Eilish & Finneas gives Jay the recipe for not messing up your kids and letting them flourish.  She also talks about living small, rewarding effort and experience over awards, &  the value of an artist's mindset and working for love vs. money.  And she talks about trying to change the world with her Support + Feed charity she formed to help fight food insecurity.  She also talked about the value of publicists, good people in the music industry, and letting your kids yell at you when they need to. Bio: Maggie Baird is a climate activist committed to building equitable solutions that move all of us to action. Mother of Grammy-Award-winning Artists Billie Eilish and Finneas, she ispassionate about helping the music industry implement comprehensive sustainabilitystrategies. A lifelong vegetarian turned vegan, she engages audiences through her popularweekly Instagram Live streams on the climate impacts of our global food system, and she isa frequent speaker and panelist on food and sustainability within the music, catering, andenvironmental spaces. Baird's passion for the health of our planet, her plant-based cookingtips, and conversations with youth activists, have inspired thousands to change their lives.In 2020, Baird founded Support+Feed, a US nonprofit focused on developing innovative,intersectional strategies to ensure underserved communities have access to nourishingplant-based food while driving systemic change toward a more planet friendly global foodsystem. Under Baird's leadership, S+F has reached 41 cities globally, has a consistentpresence in 11 anchor cities in the US, and is now expanding through partnerships in theEU, UK, and Australia. Since launch, S+F has provided 1.5 million plant-based meals andpantry items and related education in underserved communities through partnerships with190+ community organizations, 100+ local and minority-owned restaurants, and 350Volunteers.Baird is a co-producer of Overheated, a climate summit hosted by Billie Eilish and S+F thatfeatures youth activists from around the world, and in 2024, she was featured in Forbes' 50Over 50 list and was honored as one of Glamour's Women of the Year. She also makes aregular appearance on climate scientist Chris Turney's podcast “Unf*cking the Future”which is dedicated to addressing the climate crisis and exploring potential solutions withleaders in the entertainment, academic, and environmental spaces.

Every agent is out here fighting for more listings, but what if the key to dominating your market isn't just about pricing, marketing, or staging, but about money that's already sitting on the table? What most agents overlook is that some listings come with built-in financial power: I'm talking about reverse down payment assistance.  This is money that can be layered to cover buyer agent compensation without your seller having to give up a dime. In today's market, where buyers are hesitant and sellers want to net top dollar, this strategy is an absolute game-changer. In this episode, I'm breaking down how I use reverse down payment assistance and program stacking to attract buyers, help sellers net more, and give agents a value proposition no one else is talking about.    Things You'll Learn In This Episode  The anointed listing advantage What does it mean for a property to have an anointing, and how can you use that to make your listings irresistible? Reverse down payment strategy How can buyers get $20k+ in assistance without your seller offering a dime, and what does that mean for your commission? How to walk into any listing appointment with the upper hand What value can you offer sellers that puts you ahead of every other agent they're interviewing?   About Your Host Marki Lemons Ryhal is a ​​Licensed Managing Broker, REALTOR® and avid volunteer.  She is a dynamic keynote speaker and workshop facilitator, both on-site and virtual; she's the go-to expert for artificial Intelligence, entrepreneurship, and social media in real estate. Marki Lemons Ryhal is dedicated to all things real estate, and with 25+ years of marketing experience, Marki has taught over 250,000 REALTORS® how to earn up to a 2682% return on their marketing dollars. Marki's expertise has been featured in Forbes, Washington Post, http://Homes.com , and REALTOR® Magazine.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

“While the word ‘climate' may be politically charged for some, the need for affordable, reliable, and secure energy is something we can all agree on. Americans are calling for action, and as Members of Congress it's our responsibility to deliver. If we want long-term solutions that address both our constituents' concerns and growing climate risks, we must work together to strengthen our energy and climate security with urgency.” Congresswoman Chrissy Houlahan to Electric Ladies Podcast  This week, Congress is set to debate legislation that could reshape the United States' energy landscape. At stake is more than $700 million in climate action and clean energy investments from the Inflation Reduction Act that was intended to benefit the Commonwealth of Pennsylvania. What will the impact be if that funding is withdrawn. Listen to Congresswoman Chrissy Houlahan of Pennsylvania and co-chair of the Bipartisan Climate Solutions Caucus, a rare example of cooperation on Capitol Hill. She's also co-chair of the Women in STEM Caucus, which is also bipartisan. She shares insights into how to build bipartisanship, address the climate crisis and energy needs – as well as the threat that political polarization poses to keeping communities and critical infrastructure safe from extreme weather events. You'll hear about: How Pennsylvania's political landscape shapes the path of climate legislation What the Bipartisan Climate Solutions Caucus is doing to advance the clean energy transition How extreme weather events can open the door to bipartisan climate action Why Congresswoman Houlahan's leadership with the Women in STEM Caucus matters Plus, insightful career advice  “Recognize that whatever you choose to do right now is not the end decision for the rest of your life. When you look backwards it's going to make sense, but when you look forward, it's going to be a crooked line. It's not going to be a straight line to somewhere, so do not to be too hard on yourself, do not try to seek perfection.” Chrissy Houlahan on Electric Ladies Podcast You'll also like: Most Americans Want Climate Action, Study Says. How To Bridge The Political Divide, ELP Host Joan Michelson's article that includes Congresswoman Houlahan. Women Rewriting The Climate Conversation, a panel from The Earth Day Women's Summit moderated by Joan Michelson Hilary Doe, Michigan's Chief Growth Office on how the state is turning IRA Credits into Growth Doreen Harris, President and CEO of NYSERDA, on how New York is leading the way to the clean energy future. Sherri Goodman, former Deputy Undersecretary of Defense, on why climate change is an issue of national security. Joan Michelson's Forbes article on Fossil Fuels, War And Climate: Women On The Frontlines Call For A New Security Mindset Read more of Joan's Forbes articles here. More from Electric Ladies Podcast!  JUST LAUNCHED: Join our global community at electric-ladies.mykajabi.com! For a limited time, be a member of the Electric Ladies Founders' Circle at an exclusive special rate.  Elevate your career with expert coaching and ESG advisory with Electric Ladies Podcast. Unlock new opportunities, gain confidence, and achieve your career goals with the right guidance. Subscribe to our newsletter to receive our podcasts, articles, events and career advice – and special coaching offers. Thanks for subscribing on Apple Podcasts, iHeart Radio and Spotify and leaving us a review! Don't forget to follow us on our socials Twitter: @joanmichelson LinkedIn: Electric Ladies Podcast with Joan Michelson Twitter: @joanmichelson Facebook: Green Connections Radio

About Today's Guest, Lisa CummingsLisa has delivered events to over 24,000 participants, in-person in 14 countries. She's an MBA and a Gallup Certified Strengths coach. You can see her featured in places like Harvard Business Publishing, Training Magazine, and Forbes. She's the founder of Lead Through Strengths, and hosts a podcast by the same name.She helps independent coaches, trainers, and speakers build business skills like email marketing and selling confidently. Check out her mastermind membership program called Tools for Coaches. When she's not podcasting or working with coaches, you'll find her learning Spanish on Duolingo, hiking in Colorado, or playing drums in a rock band called Spiral Mischief.   ______________________________________________________________________ The Edupreneur: Your Blueprint To Jumpstart And Scale Your Education BusinessYou've spent years in the classroom, leading PD, designing curriculum, and transforming how students learn. Now, it's time to leverage that experience and build something for yourself. The Edupreneur isn't just another book—it's the playbook for educators who want to take their knowledge beyond the school walls and into a thriving business.I wrote this book because I've been where you are. I know what it's like to have the skills, the passion, and the drive but not know where to start. I break it all down—the mindset shifts, the business models, the pricing strategies, and the branding moves that will help you position yourself as a leader in this space.Inside, you'll learn how to:✅ Turn your expertise into income streams—without feeling like a sellout✅ Build a personal brand that commands respect (and top dollar)✅ Market your work in a way that feels natural and impactful✅ Navigate the business side of edupreneurship, from pricing to partnershipsWhether you want to consult, create courses, write books, or launch a podcast, this book will help you get there. Stop waiting for permission. Start building your own table.

In this episode we dive into the intricate world of ADHD with celebrated singer-songwriter and ADHD expert, Nella Dwyer. Nella, unravels common misconceptions, highlighting strategies to support grandchildren diagnosed with this disorder. ADHD: https://www.adhdlifemastery.orgADHD Clarity Code Mini-Course : https://www.adhdlifemastery.org/adhd-clarity-code Apply to Work with Nella as your Coach: https://www.adhdlifemastery.org/applyFree ADHD Webinar:  Got ADSend us a textWe recognize the unique challenges and needs of grandparents raising their grandchildren. That's why we've teamed up with EggMed, a world-renowned practice management software developer, to create a tailored online platform that fosters a strong, supportive community, all within a HIPAA-secure, safe, and moderated environment.This program will provide a secure space for connection, support, and shared learning. You'll be able to connect with other grandparents, share your experiences, Owner, Broker, and Realtor at Team Eureka with National Parks Realty Forbes Global Properties—Sandi Hall is a beacon of trust and insight for both local and international clients. With a Graduate REALTOR® Institute designation and a feature in Forbes, underscore her commitment to excellence.Visit WelcomeHomeMontana.com today or call (406) 471-0749 and experience the difference an expert like Sandi can bring to your journey home. Big Heart Family Dentistry, led by Dr. Seth Hinckley. Their dedication goes beyond treating teeth; they empower healthier, happier lives through prevention and education. They use state-of-the-art technology and are deeply connected to the community, addressing every dental need with expertise and heart. Join us for "Fun Self-Care Tips" with Jeanette Yates! Discover how self-care doesn't have to be a chore. Jeanette will share her favorite creative and enjoyable strategies at the end of every episode. From playful activities to joyful mindfulness practices, you'll learn how to infuse fun into your daily routine while prioritizing your well-being. Tune in and start your journey to a more joyful and balanced self!Thank you for tuning into today's episode. It's been a journey of shared stories, insights, and invaluable advice from the heart of a community that knows the beauty and challenges of raising grandchildren. Your presence and engagement mean the world to us and to grandparents everywhere stepping up in ways they never imagined. Remember, you're not alone on this journey. For more resources, support, and stories, visit our website and follow us on our social media channels. If today's episode moved you, consider sharing it with someone who might find comfort and connection in our shared experiences. We look forward to bringing more stories and expert advice your way next week. Until then, take care of yourselves and each other.Want to be a guest on Grandparents Raising Grandchildren: Nurturing Through Adversity? Send Laura Brazan a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/grgLiked this episode? Share it and tag us on Facebook @GrandparentsRaisingGrandchilden Love the show? Leave a review and let us know! CONNECT WITH US: Website | Facebook

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LISTEN TO THIS EPISODE IF YOU'VE BEEN WANTING TO GET STARTED WITH PR FOR YOU SMALL BUSINESSToday we're diving in to the magic of PR with Gloria Chou. In this quick & actionable episode you will walk away with tangible strategies of how to get started with landing PR opportunities for your business.Gloria Chou is an award-winning PR strategist and host of the top-rated Small Business PR Podcast. Known for her untraditional yet proven approach to PR which makes visibility and access to media accessible for anyone, Gloria helps BIPOC and female founders get featured organically in top-tier media without needing PR connections or a large following. Her strategies have earned small businesses in nearly every industry niche over a billion organic views and features in outlets like the New York Times, Oprah's Favorite Things, Vogue, and Forbes, without any pay-to-play. A former U.S. Diplomat turned small business advocate, Gloria has been on 100 podcasts and was named "Pitch Writing Expert of the Year" in 2021 as part of the Influential Businesswomen Awards, and a Forbes Next 1000 honoree.IG: https://www.instagram.com/gloriachoupr/FREE RESOURCE: gloriachoupr.com/masterclassJOIN THE SBG FREE COMMUNITY // ⁠CLICK HERE⁠FREE TRAININGS // ⁠CLICK HERE TO BROWSE⁠EXPLORE PROGRAMS & SERVICES// ⁠⁠⁠⁠CLICK HERE⁠⁠⁠⁠APPLY TO WORK WITH ME //⁠⁠⁠⁠CLICK HERE⁠⁠⁠FOLLOW MADI ON INSTAGRAM // ⁠⁠⁠@thisismadisonpaige⁠⁠⁠

Welcome to How's the Market, our weekly look at what's happening in the US housing market, powered by data from Altos. If you want to see all the inventory, pricing, and supply and demand charts we reference in the show, head on over to our YouTube channel at ⁠⁠⁠⁠https://youtube.com/altosresearch⁠⁠⁠⁠. Hosted by Mike Simonsen, President of Altos. A true data geek, Mike founded Altos in 2006 to bring data and insight on the U.S. housing market to those who need it most. Altos provides national and local real estate data to financial institutions, real estate professionals, and investors across the country, and the company is now part of HW Media, publisher of HousingWire and RealTrends. Mike uses Altos data to identify trends in the real estate market well before the headlines, and his work has been featured in the New York Times, The Atlantic, Fortune, Forbes and other publications. Learn more about your ad choices. Visit megaphone.fm/adchoices

The best leaders know mission and vision must extend beyond the executive suite. In this episode, Andy sits down with former Ritz-Carlton president Horst Schultze to explore how great leaders build world-class service by treating every team member with dignity and purpose. You’ll discover how consistency, clarity, and empowerment at every level can transform an organization from the inside out. 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 Leader 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.

Youth baseball — long a widely accessible American pastime — has become overrun by $10,000-per-year, for-profit travel leagues. Zachary Crockett peers inside the dugout. SOURCES:Linda Flanagan, author.Nick Mackenzie, future New York Yankees shortstop.R.J. Mackenzie, physical education teacher and baseball dad.John Miller, journalist and baseball coach. RESOURCES:"The Cost of Youth Baseball Is Getting Absurd," by Adam Minter (Bloomberg, 2024)."Perfect Game Sees Prosperity Thanks To New Investments In Youth Sports," by Wayne G. McDonnell, Jr. (Forbes, 2024)."How America Sold Out Little League Baseball," by John W. Miller (America Magazine, 2022)."In Youth Sports, Talent Helps but Money Rules," by Roman Stubbs (The Washington Post, 2022).Take Back the Game: How Money and Mania Are Ruining Kids Sports and Why It Matters, by Linda Flanagan (2022)."State of Youth Sports: Parents, Policymakers Better Appreciate Physical Activity, Face Barriers to Help Kids Play," by Jon Solomon (The Aspen Institute, 2022). EXTRA:Take Back the Game: How Money and Mania Are Ruining Kids Sports and Why It Matters, by Linda Flanagan (2022). 

Keith discusses the mortgage landscape, emphasizing the benefits of cash-out refinances with Ridge Lending Group President, Caeli Ridge. They unpack the Trump administration's plan to privatize Fannie Mae and Freddie Mac, which could impact the mortgage market. Investors are discovering powerful strategies to leverage property equity and optimize their financial portfolios. By understanding innovative borrowing techniques, savvy real estate investors can access tax-efficient capital and create sustainable wealth-building opportunities. Consider working with a lender that specializes in investor-focused loan products and provides comprehensive education on the options available.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/554 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.  You get paid first: Text FAMILY to 66866 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— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, we're talking about the mortgage loan landscape in this era. Is title insurance a rip off today? Is it worth it for you to pay discount points at the closing table to get a lower interest rate? Learn about how a cash out refinance. Is your ability to borrow tax free, much like a billionaire does, and what are the dramatic changes that the current administration could take to alter the mortgage environment for years, all today on get rich education.    Speaker 1  0:34   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, who 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  1:20   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  1:36   Welcome to GRE from Liverpool, England to Livermore, California and across 188 nations worldwide. I'm Keith Weinhold, and you are listening to get rich education, the voice of real estate. Since 2014 it's been estimated that there are about 800 billionaires in USA, and hey, you might be one of them, but there's a pretty good chance that you aren't well. When it comes to lending and mortgages, you can actually take a page out of a billionaires playbook and do something very much like what they do whenever you perform a cash out refinance if you've got dead equity in a property, and you can borrow against your own home to a greater extent than you can against your rental properties, even either one of those is a tax free event, you've now got tax free cash, and you can use that money on anything from investing it in the stock market To using your proceeds for a down payment on more real estate or buying a boat or going to Disneyland, and you didn't have to relinquish your asset at all. You continue to hold on to the asset. Now, the mechanics are somewhat different, sure, but when you do a cash out refinance like this, it's a bit like billionaires borrowing against their stock. Instead, you're borrowing against the value of your real estate. In fact, listening to this short clip, it's Trevor Noah talking about how billionaires do exactly this, and you'll notice that the crowd laughs because it actually sounds funny that you can really do this,    Speaker 2  3:22   the shares that they hold in a company, because it is an unrealized gain, right? So they go like, yeah, you're worth 300 billion, but we can't tax you on those stocks because you haven't sold the shares, so you don't, like, have the money. And I understand the argument. They go like, No, you don't have it. It's just what it's worth, because it will also crash, and then you have nothing, so we can't tax you on it. Then I'm like, Okay, I understand that. Then Elon Musk offers to buy Twitter, all right? He offers to buy it. And then he says in his offer, he goes, I'm putting up my Tesla stock as collateral. Then I'm like, so you do have it? Then he's like, no, no, no, no, I don't have it. I don't have it. I'm just gonna say so then they accept the offer. He now buys Twitter. Now that they've accepted his offer, he now goes to private equity and banks and like other rich people and whatever. He goes like, can you guys borrow me the money to buy Twitter? And then he's like, I'm I want to buy Twitter because I don't want to sell any of my Tesla shares, so I want to use your money to buy Twitter. And then it's like, but then they're like, What are we loaning it against? And he's like, Well, my Tesla shares. Then I'm going, like, Wait, so, so you, you can, you can buy a thing based on what you have, yes, but when we want to tax you, you can say, I don't have it. Do you hear what I'm saying here?   Keith Weinhold  4:46   Yeah, you can borrow against your real estate if you have substantial equity in it. We'll talk about just how much now billionaires borrow against their stock holdings using financial products like portfolio lines of credit or. For securities based loans. These are the names for how they do it, essentially taking out loans and using their stock as collateral. And this allows them to access cash without selling their assets and without incurring capital gains taxes, much like you can so you can say that you don't want to sell your property in you don't have to go through some capital raising round either, like a billionaire might have to when they're borrowing against their stock. You can just have a more standard mortgage application for your cash out refinance, and you don't even have to have a huge portfolio. I mean, even if you just own one 500k property with 50% equity in it, you can do this so it's available to most any credit worthy person, again, tax free. But of course, this doesn't mean that you always should take this windfall, because it often creates a higher monthly payment. You've got to be the one that makes that decision in controlling your cash flows, that is key. I'll talk about that some more with today's terrific guests. Also the Trump administration's desire to privatize Fannie Mae and Freddie Mac we're going to talk about that and what that would do to the mortgage landscape. I am in the USA today, next week, I'll be bringing you the show from London, England for the first time, the following week, from Edinburgh, Scotland. Yes, the mobile GRE Studio will be in effect. I typically set it up myself, and I usually don't need the help of the hotel staff for an appropriate Sound Studio either. And then shortly after that, I will be in Anchorage, Alaska, where I'm competing in these fantastic mountain running races. And then by next month, that's where I hope to meet up with you in person for nine days of learning and fun, as I'll be in Miami as part of the faculty for the terrific real estate guys invest or summon at sea, where we're all going to disembark from Miami and go to St Thomas, St Martin and the Bahamas, and then after that great event, it is a long flight from Miami back to Anchorage again. And that's got to be one of the longer domestic flights, not just in the nation, but in the world, Miami to Anchorage, and then shortly after that, I will be in the Great Northeast early this summer, New York and Pennsylvania, including for my high school reunion. So I'll really be putting the miles on these next couple months. One interesting thing that I've noticed for next week's show, where I'll be joining you from London, is how much I'm paying per night at both my hotel in England and then later my hotel in Scotland. That's obviously a short term real estate transaction. These are some of the more expensive places in the world, really. So next week and then the week after, I just think you'll find it interesting. I'll tell you how much I'm spending per night in both London and then Edinburgh. And they're both prime locations, where the hotels are the center of London and then right on Edinburgh's Royal Mile. That is in future weeks as for today, let's talk about the mortgage landscape with this week's familiar and terrific guest.   I'd like to welcome in one of the more recurrent guests in our history, so she needs little introduction. She's the longtime president of the mortgage company that's created more financial freedom for real estate investors than any lender in the nation because they specialize in income property loans. It's where I get my own loans for my own rental properties. Ridge lending group. Hey, welcome back to GRE Caeli ridge.    Caeli Ridge  8:57   Thank you, Keith. You know I love being here with you and your listeners. I appreciate you having me.   Keith Weinhold  9:01   You've helped us for so long. For example, who can forget way back in episode 56 Yeah, that's a deep scroll back when Chaley broke down each line of a good faith estimate for us, that's basically a closing statement sheet. She told us exactly what we pay for at the closing table, line by line like origination fee, recording costs and title insurance so helpful. It's just the sort of transparency that you get over there. Buyers pay for title insurance at the closing table. It is title insurance a rip off. A few years ago, a lot of people speculated that title insurance would fade away because the property's ownership could be transparent and accessible to everybody on the blockchain, but we don't really see that happening. So tell us about title insurance, and really, are we getting value in what we pay for there at the closing table?   Caeli Ridge  9:54   Well, I think the first thing I would say is that it really isn't going to be an option as far as I. Know, as long as the individual is going to source institutional funding leverage use of other people's money, they're going to require the lender, aka Ridge lending, or whoever you're working with, they're going to require that title insurance that ensures their first lien position. Doing that title search, first and foremost, is going to make it clear that there isn't some cloud on title, that there isn't some mechanic lien that had been sitting out there for however many years it may have just been around. And those types of things never go away. So for a lending perspective, it's going to be real important that that title insurance is paid for and in place to protect their interests, things like judgments, tax liens, like I said, a mechanic's lien, those will automatically take a first lien position in front of a mortgage. So obviously we're not going to risk that and find ourselves in second lien position in the event of default and somebody else is getting paid before we are. So not really an option. Is it a rip off? I don't know enough about how often it's paid out, and not to speak to that, but I will tell you that it isn't a choice.   Keith Weinhold  11:07   Title Insurance, like Shaylee was talking about. It protects against fraud related to the property's ownership, someone else claiming rights to the property, and this title search that an insurer does it also, yeah, it looks for those liens and encumbrances, including unpaid taxes, maybe unpaid HOA dues, but yeah, mortgage lenders typically require title insurance, and if you the borrower, you might think that's annoying. Well, it does make sense, because the bank needs to protect their collateral. If a bank ever has to foreclose, they need to have access to you, the borrower, to be able to do that without any liens or ownership claims from somebody else. Caeli, how often do title insurance companies mess up or have to pay out a claim? Does that ever happen?   Caeli Ridge  11:50   I mean, if I have been involved in a circumstances where that was the case, it's been so many years ago, they're pretty fastidious. I don't know that I could recall a circumstance where something had happened and the title insurance was liable. They go through the paces, man, they've got to make sure that, and they're doing deep dives and searches across nationwide to make sure that there isn't any unnecessary issue that's been placed on title Not that I'm aware of. No.    Keith Weinhold  11:50   Are there any of those other items that we tend to see on a good faith estimate that have had any interesting trends or changes to them in the past few years?    Caeli Ridge  12:27   Yeah, I've got a good one, and this is actually timely credit reports. So over the last couple of years, something has been happening with credit reports where, you know, maybe three, four years ago, a credit report, let's say a joint credit report, a husband and wife went and applied that credit report might cost 25 bucks. Well, now it's in excess of 100 plus. Some of what we're going to be talking about today, it kind of gets into the wish list of Jim neighbors, who is the president of the mortgage brokers Association. He's been talking to the administration about some of his wishes, and credit report fees is actually one of the things that they're wanting to attack and bringing those costs down for the consumer. So when we look at a standard Closing Disclosure today, credit report costs have increased significantly. I don't have the percentages, but by a large margin over the last couple of years,    Keith Weinhold  13:21   typically not one of your bigger costs, but a little noteworthy. There one thing that people might opt and choose to have on their good faith estimates, so that borrower therefore would actually pay more out of pocket with today's higher mortgage rates. And I'm sure not to say high, because historically, they are not high. Do we see more people opting to pay discount points at the closing table to get a lower rate and talk to us about the trade offs there   Caeli Ridge  13:46   right now, first and foremost, that there isn't a lot of option for investment property transactions, whether it be a purchase or refinance. There's not going to be that option where the consumer gets to choose to say, Okay, I want to pay points for a lower rate or not pay points for a higher rate the not paying points is the key here. There isn't going to be a zero point option for investment property transactions. And this gets a little bit convoluted, and then I'll circle back and answer the question of, when does it make sense to pay the points, more points versus less points? We have been in a higher rate environment that I think a lot of people have become accustomed to as a result secondary markets, where mortgage backed securities are bought and sold, they keep very close tabs on the trends and where they think things are headed. Well, something called YSP, that stands for yield, spread, premium, under normal market circumstances, a consumer can say, okay, Caeli, I don't want to pay any points. Okay, I'll take this higher interest rate, and I don't want to pay any points, because that higher interest rate is going to have YSP, yield, spread, premium to pay compensation to a lender, and you know, the other third parties that may be involved in that mortgage backed security. But. Sold and traded, etc, okay? They have that choice under normal market circumstances. Not the case right now, because when this loan sells the servicing rights, whoever is going to pick up the servicing rights, so when Mr. Jones goes to make his mortgage payment, he's going to cut a check to Mr. Cooper. That's a big one, right? Or Rocket Mortgage, or Wells Fargo, whoever the servicer is, the servicing rights are purchased at a cost. They have to pay for the servicing rights, and let's say that's 1% of this bundle of mortgage backed securities that they're purchasing. Well, they know the math is, is that that servicer is going to take about 36 months before that upfront cost is now in the black or profitable. This all will land together. Everybody, I promise you stick with me, so knowing that we've got about a 36 month window before a servicer that picked up the rights to service this mortgage is going to be profitable in a higher rate environment, as interest rates start coming down, what happens to the mortgage that they paid for the rights to service 12 months ago, 18 months ago, that thing is probably going to refinance right prior to the 36 month anniversary of profitability. So that YSP seesaw there is not going to be available for especially a non owner occupied transaction. So said another way, zero point rates are not going to be valid on a non owner occupied transaction in a higher rate environment when secondary markets understand that the loans that are secured today will very likely be refinanced prior to profitability on the servicing side of that mortgage backed security that is a risk to the lender, yes. So we know that right now you're not going to find a zero point option. Now that may be kind of a blanket statement. If you were getting a 30% loan to value owner occupied mortgage with 800 credit scores, you know that's going to be a different animal. And of course, you're going to have the option to not pay points. The risk for that is nothing. Okay, y SP is going to be available for you, the consumer, to be able to choose points at a lower rate, no points higher rate. When does it make sense to pay additional points? Let's say to reduce an interest rate, the break even math. And you know, I'm always talking about the math, the break even math is actually the formula is very simple. All you need to do is figure out the cost of the points. Dollar amount of the points, let's say it's $1,000 and that's what it's going to cost you to, say, get an eighth or a quarter or whatever the denomination is, in the interest rate reduction. But you aren't worried about the interest rate necessarily. You're looking at the monthly payment difference. So it's going to cost you $1,000 in extra points, but it's only going to save you $30 a month in payment when you divide those two numbers, what's that going to take you 33 months? 30 well, okay, and does that make sense? Am I going to refinance in 33 months? If the answer is no, then sure pay the extra 1000 bucks. But that's the math, the cost versus the monthly payment difference divide that that gives you the number of months it takes to recapture cost versus cash flow or savings, and then you be the determining factor on when that makes sense.    Keith Weinhold  18:10   It's pretty simple math. Of course, you can also factor in some inflation over time, and if you would invest that $1,000 in a different vehicle, what pace would that grow at as well? So we've been talking about the pros and cons of buying down your mortgage rate with discount points before we get into the administration changes. Cheley talk about that math in is it worth it to refinance or not? It's a difficult decision for some people to refinance today with higher mortgage rates than we had just a few years ago, and at the same time, we've got a lot of dead equity that's locked up.   Caeli Ridge  18:40   I would start first by saying, Are we looking to harvest equity? Are we pulling cash out, or are we simply doing a rate and term refinance where we're replacing one loan with another loan, if it's for rate and term, if we're simply replacing the loan that we have today with a new loan, that math is going to be pretty simple. Why would you replace 6% interest rate with a 7% interest rate? If all other things were equal, you wouldn't unless there was a balloon feature, or maybe an adjustable rate mortgage or something of that nature involved there that you have to make the refinance. So taking that aside, focusing on a cash out refinance, and when does it make sense? So there's a little extra layered math here. The cash that you're harvesting, the equity that you're harvesting, first of all, borrowed funds are non taxable. What are we going to do with that pile of cash? Are we going to redeploy it for investing more often than not talking to investors? The answer is yes. What is that return going to look like? So you've got to factor that in as well, and then we'll get to the tax benefit in a moment. But generally speaking, I like to as long as the cash flow is still there, okay, you've got to have someone else covering that payment. Normally, there's exceptions to every rule. I don't normally advise going negative on a cash out refi. There are exceptions. Okay, please hear me. But otherwise, as long as the existing rents are covering and that thing is still being paid for by somebody else, then what you want to do is look at that monthly payment. Difference again, versus what you're getting out of it. And then you divide those two numbers pretty simply, and it'll take you how long. And then you've got a layer in the cash flow that you're going to get from the new acquisitions, and whether that be real estate or some other type of investment, whatever the return is, you're going to be using that to offset. And then finally, I would say, make sure that you're doing adding in the tax benefit. These are rental properties guys, right? So closing costs can be deducted now that may end up hurting debt to income ratio down the road. So don't forget, Ridge lending is going to be looking at your draft tax returns. Very, very important to ensure that we're setting you up for success and optimizing things like debt to income ratio on an annual basis.   Keith Weinhold  20:40   Now, some investors, or even primary residence owners might look at their first and only mortgage on a property, see that it's 4% and really not want to touch that. What is the environment and the appetite like today for having a refinance in the form of a second mortgage? That way you can keep your first mortgage in place and, say, 4% get a second mortgage at 7% or more. How does that look for both owner occupied and non owner occupied properties today?   Caeli Ridge  21:07   you're going to be looking at prime, plus, in many cases, if you don't want to mess with a first lien, a second lien mortgage is typically going to be tied to an index called prime. Those of you that are familiar with this have probably heard of that. Indicee. There's lots of them. The fed fund rate, by the way, is an index. There's lots of them. The Treasury is also another index. Prime is sitting, I think, at seven and a half percent. So you're probably going to be looking at rate wise, depending on occupancy and credit score and all of those llpas that we always talk about, loan level, price adjustment. You know, it could be prime plus zero, it could be prime plus four. So interest rates could range between, say, seven and a half, on average, up to 11 even 12% depending on those other variables. More often than not, those are going to be interest only. So make sure that you're doing that simple math there. And I would prefer if I'm giving advice the second liens, the he loan, which is closed ended, very much like your first mortgage, it's just in second lien position. It's amortized over a certain period of time, closed ended. Not as big a fan of that. If you can find the second liens, especially for non owner occupied, I would encourage it to be that open ended HELOC type.    Keith Weinhold  22:15   What are we looking at for combined loan to value ratios with second mortgages    Caeli Ridge  22:19   on an owner occupied I think you'd be happy to get 90. I think I've heard that in some cases, they can go up to 95% in my opinion, that would go as high as they'll let you go right on a non owner occupied, I think you'd be real lucky to find 80, and probably closer to 70.    Keith Weinhold  22:34   That really helps a lot with our planning. Well, the administration that came in this year has made some changes that can create some upheaval, some things to pay attention to in the mortgage market. We're going to talk about that when we come back. You're listening to get rich education. Our guest is Ridge lending Group President, Caeli Ridge I'm your host, Keith Weinhold.    The same place where I get my own mortgage loans is where you can get yours. Ridge lending group  NMLS, 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 Chaeli Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866   Hal Elrod  24:38   this is Hal Elrod, author of The Miracle Morning and listen to get rich education with Keith Weinhold, and don't put your Daydream.   Keith Weinhold  24:55   Welcome back to get rich education. We're talking about mortgages again, because this is one. Where leverage comes from. I'm your host. Keith Weinhold, we're sitting down with the president of ridge lending group, Caeli Ridge, and I know that she has some knowledge and some updates on new administration leadership and some potential changes for the market there. What can you tell us? Caeli   Caeli Ridge  25:16   I'm pretty excited about this one, and I'm watching very diligently to see how it unfolds. So the new director of the FHFA Federal Housing Finance Agency, all is Bill Pulte. This is the grandson of Pulte Homes. Okay, smart guy. I'm excited to see what he's going to come in and do. Well. He had recently, I think in the last couple of weeks, he put out in the news wires asking for feedback from the powers that be, related to Fannie and Freddie, what improvements they would like to see. So first up was Jim neighbors. He is the president of the mortgage brokers Association. He had a few very specific wish list items, if you will. And the first one on his list was the elimination of LLP, as for non owner occupied and second home. So let me just kind of paint a picture here, because there's some backstory I think is important. So an LLPA, for those of you that have never heard that term before, stands for a loan level price adjustment. And a loan level price adjustment is a positive number or a negative number that associates with the individual loan characteristics. So things like loan to value or loan size, occupancy is a big ll PA, the difference between an owner occupied where you live and one that you're going to use as a rental property, that's a big one. Credit score, property type, is it a single family? Is it a two to four? Is this a purchase? Is it a refi? Anyway, all of those different characteristics are ll pas. Well, if we take a step back in time, gosh, about three years ago now, Mark Calabria, at the time, was the director of the FHFA, and he had imposed increases, specific increases. This was middle of 22 I want to say specific increases to the LL pas for non owner occupied property. So if anybody kind of remembers that time, we started to really see points and interest rates take that jump sometime in 2022 more than just the traditional interest rate market and the fluctuations. This was very material to investment property and second home, but we'll focus on the investment property. So Mr. Jim neighbors came in and said, first and foremost, I'd like to see those removed, and I want to read something to the listeners here, because I thought it was very interesting. This is something I've been kind of preaching from the the rooftops, if you will, for many, many years. Yeah, we've got neighbors sticking up for investors here. He really is. And I Yeah, well, yes, he is. And more often than not, they're focused on the owner occupied so I'm just going to kind of read. I've got my cheat sheet here. I want to make sure I get it all right for everybody. So removal of the loan level price adjustments on investment properties and second homes, he noted that these risk based fees charged by Fannie and Freddie discourage responsible buyers from purchasing second homes and investment properties, with that insignificant increase to cost. And here's the important part, originally introduced to account for additional credit risk, many of the pandemic era llpa increases were not based on updated risk metric. In fact, data has shown that loans secured by investment properties often have strong credit profiles and lower than expected default rates. I mean, anybody that has been around long enough to see what we've come from, like, 08,09, and when we had the calamity of right, the barrier for entry for us to get any conventional financing as investors has been harsh. I mean, I make that stupid joke of vials of blend DNA samples. But aside from it being an icebreaker, it kind of feels true. We really get the short end of the stick. And I feel like as investors especially, post 08,09, our credit profiles, our qualifications, the bar is so high for us, the default risk there has largely been removed. We've got so much skin in the game. With 20 25% down, credit score is much higher, debt to income ratios more scrutinized, etc, etc. So I think that this is, if it passes muster. I think this is going to be a real big win for the non owner occupied side of agency, Fannie, Mae, Freddie, Mac lending.   Keith Weinhold  29:13    The conventional wisdom is, is that if you the borrower, get into financial trouble, you're more likely to walk away from your rental properties than you are your own home and neighbors, sort of like a good neighbor here sticking up for us and stating that, hey, us, the investors, we're actually highly credit worthy people.   Caeli Ridge  29:29   Yeah, absolutely. So fingers crossed. Everybody say your prayers to the llpa and mortgage investor rates gods.   Keith Weinhold  29:37   we'll be attentive to that. What other sorts of changes do we have with the administration? For example, I know that Trump and some others in the administration have talked about privatizing the GSEs, those government sponsored enterprises, Fannie, Mae, Freddie Mac and what kind of disruption that would create for the industry. Is it really any credence to that?   Caeli Ridge  29:58   They've been talking about it for. For quite a while. I mean, as long as Trump has been kind of on the scene, that's been maybe a wish list for him. I don't see that happening over the next years. That is an absolute behemoth to unpack and make a reality. Speaking of Mark Calabria, he was really hot and heavy on the trails of doing that. So what this is, you guys so fatty Freddy, are in conservatorship that happened back post 08,09, and privatizing them and making them where it is not funded, or conservatorship within the United States government. Now it still has those guarantees against default. It's a very complicated, complex, nuanced dynamic of mortgage backed securities, but if we were to privatize them at some point now, am I saying that that's a bad thing? No, not necessarily, but I think it has to be very carefully executed, and because there are so many moving parts, I do not think that just one term of presidency is going to make that happen. If we do it, it's going to be years down the road from now. Is my crystal ball. I don't think we're going to see that anytime soon.    Keith Weinhold  30:58   That's interesting to know. Are there any other industry changes that are important, especially for investors, whether that has to do with the change in administration or anything else?   Caeli Ridge  31:08    Well, specific to that wish list from Mr. Neighbors, one of the other things that he had asked, and there were quite a few, for owner occupied changes as well, he wants to reduce the seasoning for cash out refinances of investment properties, which would be huge good. Yeah, right now it's 12 months on a cash out refinance given very specific acquisition details. Okay, I won't go down that rabbit hole, but currently, if you haven't met exactly these certain benchmarks, you may have to wait 12 months to pull cash out of a property from the day that you acquire it, he's asking that that be pulled back to about six months, which would be nice   Keith Weinhold  31:46   reducing the seasoning period from 12 months to six months, meaning that an investor a borrower, would only need to own that property for that shorter duration of time prior to performing a refinance.   Caeli Ridge  31:58    Cash out refinance, no seasoning required on a rate and term. This is specific for cash out. But again, for cash out, but exactly right   Keith Weinhold  32:04   now, one trend that I think about sometimes, especially when I think back to 2008 2009 days since I was an investor through that time, is, are there any signs in the reduction of the appetite or the propensity to lend, to make loans. So how freely is credit flowing?    Caeli Ridge  32:25   I think pretty freely. I'm not seeing that they're tightening the purse strings. That's not the lens that I'm looking at it from, and I try to keep that brush stroke broad. There have been, I think that on the post, close side, there's been a little extra from Fannie Freddie, and I think that has to do with profitability markers. But overall, I'm not seeing that products are disappearing necessarily, or that guidelines are really becoming even more cumbersome. If anything, I would say it's maybe the reverse of that, and I do believe that probably is part and parcel to this administration and the real estate background that comes with it.   Keith Weinhold  32:59   One other thing I pay attention to, but it just really hasn't been much of a story lately. Are delinquencies in foreclosures. It seems like they've ticked up a little bit, but they're still both really historically low and basically a delinquency being defined as when a borrower makes one late payment, and foreclosures being the more severe thing, typically a 120 days late or more. Any trends there? I'm not   Caeli Ridge  33:24   seeing any now. And in fact, I would tell you that, because we focus so much on investor needs, first payment default is I can count on less than one hand, if I had to, how many times I've seen that happen with our clients over 25 years. So nothing noteworthy there for me.    Keith Weinhold  33:40   Yes. I mean, today's borrowers are just flush with equity. Nationally, there's a loan to value ratio of 47% which is healthy, in a sense. On average, borrowers have a 53% equity position. Of course, the next thing, I think, is like, I don't really know if that's a smart strategy. They're not really getting that much leverage out there. But I think a lot of people just have the old mentality of get it paid off.    Caeli Ridge  34:06   And I think that depending on where you are in your journey, I mean, if you're in phase three, right, where you're just really looking at these investments, these nest eggs to carry you into your retirement and or for legacy reasons, fine, but otherwise, I may argue the point in that I don't care that you have a 3% interest rate on an investment property, or whatever it may be, if it's sitting there idle and as long as it can cash flow, the true chances of those individuals of keeping that mortgage that they got in 2020, 2021, etc, at those ridiculously low interest rates and stroking 360 payments later to pay it to zero is a fraction of a percent right now, whether they're on the sidelines for something else, I don't know, but that debt, equity, I think, is hurting them more than a 3% interest rate is helping them.   Keith Weinhold  34:52    And a lot of times, the mindset of someone is, if they don't need to build wealth anymore, and they're older and they already built wealth, they don't care if they're loaned to value. Was down to zero, and they have it paid off, whereas someone that's in the wealth building phase probably wants to get more leverage. Yeah, Chaley at risk lending group, there you see so many applications come in, and especially since you're an investor centric lender, I like to ask you what trends you're seeing. What are people buying? What are people doing? Are they refinancing? Are they paying loans off? Are they trying to take out more credit? Are there any overall trends with investors that you see in there    Caeli Ridge  35:29   right now? I think the all in one is a clear winner there. The all in one, that first lien, HELOC, that you and I talked about, we broke my little corner of the internet with that one, that one is a front runner for sure, on the refinance side, specifically, we are seeing quite a bit more on the refi side of things, that equity is kind of just sitting there. So even though, if the on one isn't a good fit for them, I'm seeing investors that are willing to tap into that equity instead of just sitting around and waiting for them to potentially lose some equity if the housing market does start to take some decline. And then I would say, on the purchase transaction side, something that's kind of piqued my interest is the pad split. I'm looking at that more often where, for those that are not familiar, you can probably speak more to this, Keith, they're buying single family resident properties, even two to four unit properties, and a per bedroom basis, turning those into rental properties. And they're looking to be quite profitable. So I've got my eyes on that too.   Keith Weinhold  36:23   before we ask how we can learn more about you and what you do in there at Ridge Kayle. Is there any last thing that you'd like to share? Maybe a question I did not think about asking you, but should have.    Caeli Ridge  36:35   I would like to share with your listeners that if they are not working with a lender that focuses on their education and has that diversity of loan product that we have, that they're probably in the wrong support group. You need to be working with a lender that has a nationwide footprint and that has diversity of loan product to cover whatever methodology of real estate investing that you're looking for, and really puts a fine touch on the education of your qualifications and your goals as they relate to underwriters guidelines   Keith Weinhold  37:10   what we're talking about, and I know this through my own experience in dealing with Ridge, since I use them for my own loans myself, is sometimes Ridge might inform You that, hey, you can go and do this and make this deal now, but that's going to mess up this bigger thing 12 months down the road, whereas if you talk with an everyday sort of owner occupant mortgage company, oh, they're just not going to talk like that, because owner occupants, they might only buy every seven years, or something like that. And investors are different, and you need to have that foresight and look ahead. Caeli, this has been great, a really informative conversation about the pulse of the market. Tell us what products that you offer in there.   Caeli Ridge  37:50   Our menu is very, very diverse. I would say what. It's probably easier to describe what we don't offer. We do not have bear lot loans or land loans. We're not offering those right now. We do not have second lien HELOCs currently. We suspended that two years ago. But otherwise, guys, we're going to have everything that you're going to need. So just very quickly, I'll rattle off Fannie Freddie, okay, those golden tickets that we talk about, we've got DSCR loans, bank statement loans, asset depletion loans, ground up construction, short term bridge loans for fix and flip or fix and hold. We have our All In One that's my favorite first lien. HELOC, we have commercial loan products for commercial property and residential on a cross collateralization basis. So very, very robust in the loan product space.   Keith Weinhold  38:33   Caeli Ridge, it's been valuable as always. And then Ridge lending group.com, or your phone number   Caeli Ridge  38:39   855-747-4343, 855-74-RIDGE, , and then to reach us an email, if that's your better mechanism to contact us info@ridgelendinggroup.com   Keith Weinhold  38:50   that's been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  38:53   Appreciate it. Keith,   Keith Weinhold  39:00   Yeah, terrific information from Chaley. As always, if you're enamored of borrowing tax free, like a billionaire, against your real estate, they sure can help you out with that and determine whether that's right. It doesn't mean that you always should, but if you have investment ideas for debt equity, and you're attentive to cash flows, run the numbers with them and see if it's worthwhile. As far as new purchases, we all know that soured affordability has made it especially tough for first time homebuyers, and there's more data out there that shows that tenant durations are historically long, longer than they usually are. Tenants are staying in places longer because they have to. Investor purchases have stayed strong, though investors have been buying about the same proportion of single family homes and making them rentals that they have historically and Redfin tells us that. The value of properties that investors have purchased is up more than 6% year over year, so investors are still buying and that makes sense. We're in this era where there's more uncertainty than usual, there's higher stock volatility than usual, and more people are sort of asking themselves, where would I get a better return than on income property, and where would my return be more stable today than in income property as well? If you work with Ridge lending group for a time, you're probably going to understand why I personally use them for my own loans. You'll notice that they really understand what investors need. Thanks to Caeli Ridge today and thank you for being here too. But as always, you weren't here for me. You were here for you until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  40:56   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  41:20   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866   The preceding program was brought to you by your home for wealth, building, get rich education.com.    

My guest in this episode is Dr. Patty Ann Tublin. She is an internationally recognized relationship, communication, and emotional intelligence expert who helps high-performing executives, entrepreneurs, and business leaders unlock next-level success through the power of connection. With a Doctorate in Clinical Psychology, two master's degrees, and over 25 years of experience, she blends science-backed strategies with real-world business insight to transform leadership, team dynamics, and organizational culture.As the CEO and founder of Relationship Toolbox LLC, Dr. Patty Ann works with global corporations and visionary leaders to enhance trust, communication, and collaboration—resulting in increased performance and profit. She's a sought-after corporate speaker, published author, Forbes contributor, and media personality featured on ABC, NBC, and CBS.Known for her no-nonsense style, warm presence, and deep understanding of human behavior, Dr. Patty Ann equips leaders not just to grow their businesses, but to thrive in their personal and professional relationships.Interview Links:Dr. Patty Ann Tublin: https://drpattyann.com/Subscribe To Our Weekly Newsletter:The Wealth Dojo: https://subscribe.wealthdojo.ai/Download all the Niches Trilogy Books:The 21 Best Cashflow NichesDigital: ⁠⁠https://www.cashflowninjaprograms.com/the-21-best-cashflow-niches-book⁠⁠Audio: ⁠https://podcasters.spotify.com/pod/show/21-best-cashflow-niches⁠The 21 Most Unique Cashflow NichesDigital: ⁠⁠https://www.cashflowninjaprograms.com/the-21-most-unique-cashflow-niches⁠⁠Audio: ⁠https://podcasters.spotify.com/pod/show/21-most-unique-niches⁠The 21 Best Cash Growth NichesDigital: ⁠https://www.cashflowninjaprograms.com/the-21-best-cash-growth-niches⁠⁠Audio: ⁠https://podcasters.spotify.com/pod/show/21-cash-growth-nichesThe 21 Next Level Cashflow NichesDigital: https://www.cashflowninjaprograms.com/the-21-next-level-cashflow-niches-book-free-downloadAudio: https://podcasters.spotify.com/pod/show/the-21-next-level-nichesListen To Cashflow Ninja Podcasts:Cashflow Ninja⁠https://podcasters.spotify.com/pod/show/cashflowninja⁠Cashflow Investing Secrets⁠https://podcasters.spotify.com/pod/show/cashflowinvestingsecrets⁠Cashflow Ninja Banking⁠https://podcasters.spotify.com/pod/show/cashflow-ninja-banking⁠Connect With Us:Website: http://cashflowninja.comPodcast: http://cashflowinvestingsecrets.comPodcast: http://cashflowninjabanking.comSubstack: https://mclaubscher.substack.com/Amazon Audible: https://a.co/d/1xfM1VxAmazon Audible: https://a.co/d/aGzudX0Facebook: https://www.facebook.com/cashflowninja/Twitter: https://twitter.com/mclaubscherInstagram: https://www.instagram.com/thecashflowninja/TikTok: https://www.tiktok.com/@cashflowninjaLinkedin: https://www.linkedin.com/in/mclaubscher/Gab: https://gab.com/cashflowninjaYoutube: http://www.youtube.com/c/CashflowninjaRumble: https://rumble.com/c/c-329875

Ever wonder how some people effortlessly build powerful networks, while you're still stuck in surface-level small talk? In this episode, I sit down with my dear friend and publicity powerhouse Selena Soo to spill the secrets behind creating rich relationships — the kind that skyrocket your dreams, expand your inner circle, and nourish your soul.We dive into Selena's signature Six Circles of Connection framework, why introverts can be relationship ninjas, and how to set boundaries with grace (no ghosting required!). Whether you're an entrepreneur, creative, or just craving deeper connections, this episode will shift how you show up in every relationship you have.What you'll get out of this episode… Why building deep, aligned relationships matters more than ever right nowThe secret framework to help you sort your friendships (without guilt)How to ask for what you want — endorsements, collaborations, support — without feeling ickyHow to navigate awkward boundaries and requests with eleganceWhen it's time to forgive… and when it's time to let goWhy your personal growth is the foundation for building your dream networkHow to stop self-sabotaging your relationships and become a magnet for connectionKey Timestamps00:00 – Welcome, fam! Let's talk rich relationships & why you need them03:14 – Selena shares her intention card to set the vibe04:33 – Why you don't need to be an extrovert to build an incredible network06:09 – Breaking down Selena's Six Circles of Connection (this is

Do you find yourself set up for a productive day, only to be derailed by your emails? Checking and replying to emails can eat up so much time - and what’s worse is that the false sense of productivity checking email provides can be very addictive. The problem of spending way too much time in my inbox has been bugging me for some time, so I was very excited to find out that Michael Bungay Stanier has had similar problems and has been working on solutions. Michael is a renowned speaker, teacher and author whose books have sold over 1.5 million copies. In fact, his best known book, The Coaching Habit, topped the Wall Street Journal bestseller list with Brenè Brown calling it “a classic”. He was named #1 Thought Leader in Coaching by Thinkers50, and has been featured in top publications like Harvard Business Review, Forbes, and Fast Company. Michael is clearly very busy and can’t afford to waste time on emails, yet he still finds himself procrastinating with them. But he has a lot of strategies and tricks that we might be able to use. Michael shares: Why we get stuck in the cycle of emails even when we know we shouldn’t The techniques and programs we can use to reduce email use Why you might need to use incentives and consequences to enforce your email reduction strategies. Listen to the full interview here. Connect with Michael via his website, Instagram, LinkedIn, or buy the Do Something That Matters Journal. My latest book The Health Habit is out now. You can order a copy here: https://www.amantha.com/the-health-habit/ Connect with me on the socials: Linkedin (https://www.linkedin.com/in/amanthaimber) Instagram (https://www.instagram.com/amanthai) If you are looking for more tips to improve the way you work and live, I write a weekly newsletter where I share practical and simple to apply tips to improve your life. You can sign up for that at https://amantha-imber.ck.page/subscribe Visit https://www.amantha.com/podcast for full show notes from all episodes. Get in touch at amantha@inventium.com.au Credits: Host: Amantha Imber Sound Engineer: The Podcast ButlerSee omnystudio.com/listener for privacy information.

In this week's episode of the Sacred Changemakers podcast, we're exploring one of the most charged and misunderstood topics in our modern world—money.Joining me is Leisa Peterson, a visionary in the field of financial consciousness. Leisa is a financial intuitive, strategic advisor, and the author of The Mindful Millionaire and The Money Catalyst. With over 30 years of experience in finance and a deep commitment to personal growth, she brings a rare combination of practical wisdom and soulful insight to the conversation around money. Named one of Forbes' “10 Women Driving Growth in Wealth Management and Investing,” Leisa has been featured on Gaia, in Fast Company, The Wall Street Journal, and more.Together, we explore the emotional and energetic aspects of money—how it shapes our sense of worth, identity, and security, and how we can begin to transform our relationship with it. Leisa shares her own journey from scarcity to abundance and offers grounded, accessible tools for creating a more mindful, empowered connection with money.We unpack the cultural conditioning that influences how we think about success and wealth, navigate the limitations and opportunities within capitalism, and discuss how to reframe money as an energetic exchange that can support our soul's purpose.This conversation is for you if you've ever felt overwhelmed, ashamed, or stuck when it comes to money, and you're ready to align your finances with your deeper values. It's a powerful, compassionate dialogue that invites you to rethink your financial story and step into a more resonant and sacred relationship with money.Tune in for a conversation that's both practical and profound.Key TakeawaysLeisa's personal money journey from scarcity to abundanceThe emotional and spiritual aspects of moneyHow to break through viewing life through the lens of scarcityExploring the most common energetic blocks with moneyHow to empower yourself in your financial life and businessEpisode Resources:Wealth Clinic WebsiteBOOK: The Money Catalyst by Leisa PetersonLeisa's LinkedIn ProfileBoldin Website (referred to in the conversation)SCM Podcast episode with David Wetton (referred to in the conversation)SacredChangemakers.comExplore The Resonance CollectiveJayne Warrilow on LinkedinThank you to our sponsor:A huge thank you to our Resonance Collective members, podcast sponsors, and extended Sacred Changemakers community, all of whom are visible on our website and helping us make a global impact aligned with the United Nations Sustainable Development Goals.Support the PodcastIf you've enjoyed this episode, we'd love your support! Please rate, review, and subscribe on iTunes or your favorite podcast platform. Your feedback helps us reach more coaches and changemakers who are ready to create real impact.About Sacred ChangemakersSacred Changemakers is a movement for coaches who feel called to something more. We support those ready to step beyond traditional coaching and into deeper impact,...

Would you leave a stable job, live in a school bus, and launch a business on your honeymoon? That's exactly what Phil Risher did. In this in-person episode of The Root of All Success, Jason Duncan sits down with the founder of Phlash Consulting to uncover how he went from paying off $30K in student loans to building a 7-figure marketing agency serving home service businesses—all within a few years. Phil breaks down how solving a single local business's problem sparked an entire company, the lead management mistakes most owners make, and how systematizing marketing helped multiple clients scale and exit. If you're a service-based founder ready to grow fast (without burning out), this episode is packed with game-changing insights.

Rachel Rodgers is the founder of Hello Seven, a multimillion dollar company that teaches diverse entrepreneurs how to earn more money and build wealth. Hello Seven has been recognized as an Inc. 5000 company for the past three years. Rachel has been featured on Good Morning America, The Drew Barrymore Show, Forbes, Entrepreneur, and many more. Her mission is to teach historically excluded groups how to end the cycle of overworking, under-earning, and financial stress once and for all, as well as how to build generational wealth.Rachel has written three books, including We Should All Be Millionaires: A Woman's Guide to Earning More, Building Wealth, and Gaining Economic Power. Her latest book is called Future Millionaire: A Young Person's Step-by-Step Guide to Making Wealth Inevitable.Follow To Dine For:Official Website: ToDineForTV.comFacebook: Facebook.com/ToDineForTVInstagram: @ToDineForTVTwitter: @KateSullivanTVEmail: ToDineForTV@gmail.com Thank You to our Sponsors!Coca-ColaAmerican National InsuranceWairau River WinesFollow Our Guest:Official Site: RachelRodgers.comFacebook: Rachel RodgersInstagram: @RachelRodgersESQLinkedIn: Rachel RodgersFollow The Restaurant:Official Website: Tatiana - New York CityInstagram: @TatianaByChefKwame Hosted on Acast. See acast.com/privacy for more information.

There's a reason most people never become known for their thought leadership. It's not because they lack ideas… But because they haven't done the work to build their credibility or subject matter expertise. Today's guest is Simone Heng, a human connection specialist and award-winning author. Simone's mission is to inspire deeper connection in a world that's increasingly disconnected. Her book Let's Talk About Loneliness has received six international accolades. She's also spoken to thousands (ex: Harvard, Google, Meta, the United Nations, and more), and her work has been featured by CNN, Al Jazeera, Forbes, Harvard Business Review, and BBC Radio. Simone built her career in thought leadership not through shortcuts, but through years of intentional work - Educating herself, building a credible brand, and publishing ideas that are not only polished, but profound. If you've ever wondered what it looks like to play the long game in a world that rewards speed… This is the conversation.  In this episode, we cover:    (00:00) Introduction (01:57) “I've never seen an Asian woman speak like that”  (03:13) Developing a subject matter expertise  (07:17) Choosing your topic of expertise  (09:20) Being told to hide parts of you  (10:41) The behind the scenes work (12:36) Your story isn't enough  (16:09) Do you need a PhD to be a thought leader?  (22:24) Reviewing Simone's past content  (26:52) Become a speaker or author  (30:49) What's next for Simone  (35:43) Actionable Takeaways  Connect with Simone Heng   Instagram: https://www.instagram.com/simoneheng  LinkedIn: https://www.linkedin.com/in/simone-heng-speaker  Website: https://simoneheng.com  Thought Leaders Now: https://www.thoughtleadersnow.com  Connect with Cheryl Lau   Website: https://cheryllau.com  YouTube: https://www.youtube.com/@cheryltheory  Instagram: https://www.instagram.com/cheryltheory LinkedIn: https://www.linkedin.com/in/cheryllau ANNOTATIONS - The Newsletter    The edits that got cut from the podcast. Every interview on EDIT HISTORY runs about 60 minutes. But less than 40 minutes makes it into the final cut. This newsletter is where the rest live. ANNOTATIONS is where I share the 33% I left behind — and the insights that came after we stopped recording. Subscribe at: https://cheryllau.com/email  Contact   Please email hello@cheryllau.com for business inquiries.

Segment Teaser – On this week's episode of Go Gaddis Real Estate Radio, we spotlight one of Gwinnett County's most sought-after neighborhoods, explore the surprising drop in credit scores for student loan borrowers, and answer the question on everyone's mind: “Did I miss my chance to buy a home?”

From the archive - This episode was originally recorded and published in 2022. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. During Jeremy Miner's 17 yr sales career he was recognized by the direct selling association as the number 45th highest earning producer out of more than 100 million salespeople, selling anything worldwide – his earnings as a commission-only salesperson were in the multiple 7-figures EVERY year. He's been featured in Forbes, USA Today, Inc, and others, and his new book The New Model of Selling - Selling to an Unsellable Generation, co-authored by Jerry Acuff, will be available in the spring of 2022. Top 3 Value Bombs 1. Having the right skill level will lead to success. 2. The salesperson triggers the fight or flight mode. 3. As an entrepreneur, you have to start to be the problem finder and problem solver. Start asking the right questions at the right time. Avoid being a product pusher. Join the community and get the help you need on how to sell - Sales Revolution Facebook Group Sponsor DeleteMe - Take control of your data and keep your private life private by signing up for DeleteMe. Get 20 percent off your DeleteMe plan when you go to JoinDeleteMe.com/eofire and use promo code EOFire at checkout. The Speaker Lab - Want to learn how to get booked and paid to speak. Go to EOFire.com/speaker to grab your spot for our LIVE training on May 28th, and learn how to get booked and paid to speak.

Today on Sense of Soul we have New York Times-bestselling author Laura Day. She has spent nearly four decades helping individuals,  organizations, and companies harness and develop their innate intuitive abilities to create  profound change. Newsweek magazine calls her “The $10,000-a-Month Psychic,” adding “When business people need a crystal ball, they turn to consultant Laura Day, the ‘intuitionist.'” The Independent dubbed her “The Psychic of Wall Street.” A-list Hollywood stars and Wall Street executives praise her ability to predict future events – including the 2008 recession – with astounding accuracy. As Brad Pitt has said, “I believe in the gut, and I believe in Laura Day.” Laura's work has helped demystify intuition and bring it into the mainstream. In her workshops and presentations, she demonstrates the practical, verifiable, and sometimes astonishing uses of intuition in the fields of business, science, medicine, and personal growth. Laura has been featured in publications that include Newsweek, New York magazine, The  Independent, Bottom Line, Cosmopolitan, Marie Claire, Stella, Forbes, and People. She has appeared on numerous TV networks and programs, including CNN, Fox News, Good Morning America, The View, Extra, and The Oprah Winfrey Show. She is the author of six bestselling books and she's joining us today to share her recent book The Prism: Seven Steps to Heal Your Past and Transform Your Future, a transformational program to heal your past, remake your present, and create the future you deserve. You can find The Prism: Seven Steps to Heal Your Past and Transform Your Future and her other bestselling books on www.lauraday.com or the Barnesandnoble.com and amazon.com U.S. site. There are many free resources at youtube@lauradaycircle Facebook@lauradaycircle Twitter@lauradayintuit and Instagram@lauradayintuit www.senseofsoulpodcast.com

David Priemer, Founder of Cerebral Selling and former Salesforce VP of Commercial Sales, blends science and empathy to transform sales leadership. A bestselling author and Adjunct Lecturer, David's work has been featured in Harvard Business Review, Forbes, and more. Known as the “Sales Professor,” he brings over 20 years of high-growth leadership experience to the conversation.SHOW SUMMARYIn this episode of the Selling from the Heart Podcast, Larry Levine and Darrell Amy are joined by David Priemer, author of Sell the Way You Buy and founder of Cerebral Selling. Together, they explore the powerful intersection of emotion and authenticity in modern sales. David breaks down how buyer decisions are emotionally driven, even in B2B, and how sales professionals can tap into that by being human, intentional, and genuinely curious. With insights from neuroscience and psychology, David explains how the best sellers aren't pitch machines, but emotional architects who create memorable buying experiences rooted in trust. This episode is a masterclass on connecting with your buyer's heart before asking for their wallet.KEY TAKEAWAYSFeelings Drive Buying Decisions: Customers make purchases based on emotional resonance, not just logic or features.Authenticity Builds Trust: Selling with empathy and authenticity helps establish credibility and long-term relationships.The Buying Experience Is the Product: The way a client feels during the sales process often matters more than the product itself.Embrace Curiosity: Asking better questions helps uncover emotional motivators and deepens connection.Sales as Emotional Engineering: Top sellers shape the emotional narrative of the buying journey. HIGHLIGHT QUOTES"Selling from the heart means selling with humanity and authenticity.""What are people actually buying? It's feelings.""The experience is the product.""Whether you believe or you don't, your customers can tell."

Welcome to the podcast!!! We have a special episode today where the girls explore some alternatives to transitional marriage.  In this thought-provoking episode, our hosts delve into the realm of non-traditional marriages, inspired by a recent Forbes article. They discuss various alternative forms of marriage, including starter marriages, companionships centered around friendship, and parenting-focused unions, among others. The conversation expands to consider how societal expectations shape our perception of marriage, recalling insights from experts like Esther Perel. They reflect on the diverse needs and pressures faced by couples and how these impact the conventional view of marriage. Listeners are encouraged to rethink what commitment means to them and consider how actively choosing their relationship path can offer a more fulfilling life together. Diving into emotional aspects, the hosts explore how these diverse union types can meet different needs and how recognising and navigating these differences can lead to healthier, happier relationships. With humour and candor, they offer a fresh perspective on embracing unique marital journeys that reflect personal values and desires. To read more about the 7 types of alternatives read here Till next time! Sara Liddle Email: info@inflori.co.uk Website: www.inflori.co.uk Relationship Reset: www.inflori.co.uk/reset   Anna Stratis Email: coachdocanna@gmail.com  Website: www.coachdocanna.com

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Josh Jalinski. He is prominent financial advisor recognized by Forbes as one of 'America's Top Financial Security Professionals' for three consecutive years (2021-2023) and he is the host of The Financial Quarterback radio show. The Financial Quarterback radio show airs Saturdays at 9 AM and 10 AM ET on WOR 710 AM New York, Josh offers live financial guidance, tackling real-time listener questions with his signature blend of expertise and insight. Josh Jalinski. He is the founder and CEO of Jalinski Advisory Group and Wealth Quarterback LLC, is a prominent financial advisor recognized by Forbes as one of 'America's Top Financial Security. Professionals' for three consecutive years (2021-2023). As the host of The Financial Quarterback radio show, airing Saturdays at 9 AM and 10 AM ET on WOR 710 AM New York, Josh offers live financial guidance, tackling real-time listener questions with his signature blend of expertise and insight. Josh also leads The Financial Quarterback Podcast, where he explores modern financial strategies, from retirement planning to cutting-edge economic trends. His book Retirement Reality Check challenges outdated financial wisdom, offering innovative ways to protect and grow wealth. Jalinski Advisory Group, led by Josh Jalinski, provides comprehensive financial advisory services tailored to retirement planning, investment strategies, and wealth management. The firm is dedicated to helping individuals and families secure their financial futures through a holistic approach that covers everything from tax-efficient planning to long-term income strategies. With a focus on personalized advice, Jalinski Advisory Group emphasizes proactive planning to navigate market challenges and ensure clients can achieve their financial goals with confidence. #BEST #STRAW #SHMSSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Josh Jalinski. He is prominent financial advisor recognized by Forbes as one of 'America's Top Financial Security Professionals' for three consecutive years (2021-2023) and he is the host of The Financial Quarterback radio show. The Financial Quarterback radio show airs Saturdays at 9 AM and 10 AM ET on WOR 710 AM New York, Josh offers live financial guidance, tackling real-time listener questions with his signature blend of expertise and insight. Josh Jalinski. He is the founder and CEO of Jalinski Advisory Group and Wealth Quarterback LLC, is a prominent financial advisor recognized by Forbes as one of 'America's Top Financial Security. Professionals' for three consecutive years (2021-2023). As the host of The Financial Quarterback radio show, airing Saturdays at 9 AM and 10 AM ET on WOR 710 AM New York, Josh offers live financial guidance, tackling real-time listener questions with his signature blend of expertise and insight. Josh also leads The Financial Quarterback Podcast, where he explores modern financial strategies, from retirement planning to cutting-edge economic trends. His book Retirement Reality Check challenges outdated financial wisdom, offering innovative ways to protect and grow wealth. Jalinski Advisory Group, led by Josh Jalinski, provides comprehensive financial advisory services tailored to retirement planning, investment strategies, and wealth management. The firm is dedicated to helping individuals and families secure their financial futures through a holistic approach that covers everything from tax-efficient planning to long-term income strategies. With a focus on personalized advice, Jalinski Advisory Group emphasizes proactive planning to navigate market challenges and ensure clients can achieve their financial goals with confidence. #BEST #STRAW #SHMSSee omnystudio.com/listener for privacy information.

How can we get buy-in from our kids when we go on vacation, whether it's a half-hour down the road or the other side of the world? Anna Fader and Amelia Eigerman, the mother-daughter team behind the MOMMY POPPINS TRAVEL JOURNAL AND ACTIVITY BOOK, have devised practical tips for really including our kids on family adventures. Anna Fader and Amelia Eigerman are a mother-daughter team. Mommy Poppins is recognized as a leading authority on family activities and travel, cited in publications including The New York Times, The Washington Post, and Forbes, among others. Anna, Amelia, and Margaret discuss: Why this travel journal is appropriate for every kind of vacation The two different perspectives they bring to the book The important skills kids can learn while traveling Here's where you can find Anna and Amelia: www.mommypoppins.com @mommypoppins on IG, FB, TikTok, and Youtube Buy the MOMMY POPPINS TRAVEL JOURNAL AND ACTIVITY BOOK: https://bookshop.org/a/12099/9781964487014 We love the sponsors that make this show possible! You can always find all the special deals and codes for all our current sponsors on our website: ⁠https://www.whatfreshhellpodcast.com/p/promo-codes/⁠ mom friends, funny moms, parenting advice, parenting experts, parenting tips, mothers, families, parenting skills, parenting strategies, parenting styles, busy moms, self-help for moms, manage kid's behavior, teenager, tween, child development, family activities, family fun, parent child relationship, decluttering, kid-friendly, summer travel, summer vacation, vacation with kids, travel with kids, kid-friendly vacation, kid-friendly travel, tips for vacation with kids, tips for traveling with kids Learn more about your ad choices. Visit podcastchoices.com/adchoices

Steve Forbes explains how lawsuits against President Trump's tariffs will probably end up in the Supreme Court—and if modern history is instructive, the nation's highest court might end them sooner than anyone thinks.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of the YouTube Creators Hub Podcast, we dive deep into the world of content creation with Joanna Fowler, Head of Talent at Shine Talent Group. Joanna shares her journey from being a YouTube creator to becoming an expert strategist at one of the leading influencer talent agencies. We discuss the importance of using both long-form and short-form content, strategies for building a strong community, and effective monetization techniques. Joanna also provides practical insights on storytelling, engagement, and the role of AI in content creation. Whether you're a budding YouTuber or an established creator, this episode is packed with invaluable advice to help you take your channel to the next level. What We Offer Creators Join Creator Communities. A place to gather with other creators every single day. This provides access to Our Private Discord Server, Monthly Mastermind Group, and MORE!  Hire Dusty To Be Your YouTube Coach Subscribe to our weekly newsletter: Each week I document what I'm doing in my business and creative journey, share new things I've discovered, mistakes I've made, and much more! BEST TOOLS FOR CREATORS and ENTREPRENEURS: YouTube Optimization (Creative Fuel): https://geni.us/oPCt7Cf Hire Freelancers and Artists (Fiverr): https://geni.us/h4zMWAP Podcast Hosting (Libsyn): https://geni.us/TrpwY0 GeniusLink Link Shortener: https://geni.us/fHPAe Stock Assets For Creators (Envato): https://geni.us/rlEKkLB E-commerce (Shopify): https://geni.us/m9ctWwe Podcast Recording and Editing (Riverside.FM) https://geni.us/PLlt1M My YouTube Film Gear:

This Flashback Friday is from episode 302, published last February 25, 2013. Jason Hartman is joined on this episode by Steve Forbes, the editor in chief of Forbes Media, to propose and attempt to answer the question:  Why does government get bigger and bigger when we know it doesn't work well? Mr. Forbes states that history proves free markets work for the people, while big and over-reaching government is about meeting its own needs. In his book, Freedom Manifesto: Why Free Markets Are Moral and Big Government Isn't, coauthored with Elizabeth Ames, the authors delve into historic events and statistics, showing that in every instance, big government promotes favoritism, stifles economic growth, dumbs down education, and creates an atmosphere of “rigidity and scarcity.” At the same time, it opens the door to corruption. Mr. Forbes discusses the benefits of economic freedom, which promotes creativity and growth. Jason and Mr. Forbes also talk about current economic issues, including the bubbles that the Fed continues to create in the bond market and housing. “When government undermines money, bad things happen,” laments Mr. Forbes. “When government says it's here to help, watch out!”   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com      

In this Live Greatly 2 minutes of motivation podcast episode Kristel Bauer shares a surprising way to boost creativity. 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.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Josh Jalinski. He is prominent financial advisor recognized by Forbes as one of 'America's Top Financial Security Professionals' for three consecutive years (2021-2023) and he is the host of The Financial Quarterback radio show. The Financial Quarterback radio show airs Saturdays at 9 AM and 10 AM ET on WOR 710 AM New York, Josh offers live financial guidance, tackling real-time listener questions with his signature blend of expertise and insight. Josh Jalinski. He is the founder and CEO of Jalinski Advisory Group and Wealth Quarterback LLC, is a prominent financial advisor recognized by Forbes as one of 'America's Top Financial Security. Professionals' for three consecutive years (2021-2023). As the host of The Financial Quarterback radio show, airing Saturdays at 9 AM and 10 AM ET on WOR 710 AM New York, Josh offers live financial guidance, tackling real-time listener questions with his signature blend of expertise and insight. Josh also leads The Financial Quarterback Podcast, where he explores modern financial strategies, from retirement planning to cutting-edge economic trends. His book Retirement Reality Check challenges outdated financial wisdom, offering innovative ways to protect and grow wealth. Jalinski Advisory Group, led by Josh Jalinski, provides comprehensive financial advisory services tailored to retirement planning, investment strategies, and wealth management. The firm is dedicated to helping individuals and families secure their financial futures through a holistic approach that covers everything from tax-efficient planning to long-term income strategies. With a focus on personalized advice, Jalinski Advisory Group emphasizes proactive planning to navigate market challenges and ensure clients can achieve their financial goals with confidence. #BEST #STRAW #SHMSSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

#1 New York Times bestselling author, Tomi Adeyemi, spoke to me about the film adaptation of Children of Blood and Bone, her evolution as a writer, and the final book in her Orisha trilogy, Children of Anguish and Anarchy. Tomi Adeyemi is the #1 New York Times bestselling, Hugo and Nebula award-winning novelist and screenwriter who was named one of TIME magazine's 100 Most Influential People, Forbes's 30 Under 30 in Media, and whose website was named one of the 101 Best Websites for writers by Writer's Digest. Her Children of Blood and Bone series continues to be a publishing phenomenon, acquired in a heated bidding war with the first two books becoming instant #1 NY Times bestsellers – spending over 150 weeks on the list – and over 1.5 million copies in print to date including recent paperback re-releases. The Nigerian/American writer graduated from Harvard University with an honors degree in English literature and studied West African mythology, religion, and culture in Salvador, Brazil [Discover ⁠The Writer Files Extra⁠: Get 'The Writer Files' Podcast Delivered Straight to Your Inbox at ⁠writerfiles.fm⁠] [If you're a fan of The Writer Files, please ⁠click FOLLOW to automatically see new interviews⁠. And drop us a rating or a review wherever you listen] In this file Tomi Adeyemi and I discussed: Her newly found balance and definition of success as a writer  Facing rejection early on in her career How she persevered through meticulous planning Why her acknowledgments are so lengthy in her long-awaited capstone to her trilogy What's next for the superstar And a lot more! Show Notes: ⁠tomiadeyemi.com⁠ ⁠thewritersroadmap.net⁠ ⁠Children of Anguish and Anarchy (Legacy of Orisha, 3)⁠ – June 25, 2024 by Tomi Adeyemi (Amazon) ⁠Tomi Adeyemi Amazon Author Page⁠ ⁠Tomi Adeyemi on Instagram⁠ ⁠Tomi Adeyemi on Twitter⁠ ⁠Kelton Reid on Twitter Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Purpose Show, I'm joined by Erin Claire Jones for a deep and insightful conversation about human design—what it is, how it works, and how it can completely transform the way you make decisions and move through life. We talk about self-doubt, clarity, and how truly knowing your design can help you trust yourself on a whole new level. Erin shares powerful insights into how each design type shows up in business, relationships, and everyday life, with a special focus on projectors and the importance of reciprocity in friendships. This conversation is all about self-alignment, intuition, and creating a more empowered, sustainable life and business by understanding who you actually are. If you've been curious about human design or are craving deeper clarity in how you lead and live, this episode is going to light you up. My links here:https://alliecasazza.com/tpslinks EP 244 Intro to Human Design with Erin Claire Jones  Erin Claire Jones is one of the world's leading experts in Human Design. Through her coaching, content, and digital products, she has empowered hundreds of thousands of people to overcome their biggest obstacles and find their flow at work, in love, and in life. Her personalized guides have been purchased by customers in over 160 countries. She has spoken on stages across the world, and her work has been featured in Forbes, Elle, The Sunday Times, Vogue, Allure, Nylon and more. Instagram (@erinclairejones)​ Her upcoming book, How Do You Choose? humandesignblueprint.com Discount code "Allie" For Human Design Blueprint.

Steve Forbes explains how the nearly catastrophic escalation in the conflict between India and Pakistan—thankfully averted due to a ceasefire engineered by the Trump Administration—demonstrates why the world is safer when the U.S. does not bend toward isolationism.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Okay, DREAM THINK DOers… get ready! Because today's guest is creating a new and inspiring path when it comes to embracing curiosity, thinking differently, and doing life in bold and unconventional ways. We're talking with Anne-Laure Le Cunff. Anne-Laure is a powerhouse neuroscientist, entrepreneur, and the brilliant mind behind Ness Labs—a platform dedicated to helping people to think better, learn faster, and work happier.  Her weekly newsletter inspires over 100,000 curious minds, diving into the science of creativity, lifelong learning, and mindful productivity. But that's just the beginning! Anne-Laure (Ann-Lor) is also the author of the new book… Tiny Experiments—a game-changing book that challenges us to ditch rigid goals, embrace uncertainty, and turn our lives into a series of small but powerful experiments. She's currently researching the neuroscience of curiosity and adaptability at King's College London—digging into how different brains learn in different ways.  And before all this? She was at Google, leading digital health projects and shaping the future of wellbeing through tech. Her work has been featured in Rolling Stone, Forbes, Financial Times, WIRED… and more. She's lived in Paris, New York, Tokyo, and London… and whether she's researching, writing, or challenging how we think about success—one thing's for sure… she's living a life of dreaming bigger, thinking better, and DOing life with more curiosity, freedom, and fun! ENCOURAGING THE ENCOURAGERS: Remember… you can now check out Mitch's OTHER podcast called “ENCOURAGING THE ENCOURAGERS” anywhere you listen to podcasts.   It's specifically designed for Coaches, Speakers and Content Creators and provides a quick dose of inspiration, strategy AND… of course… encouragement! Find it on Apple Podcasts:  Click here Find it on Spotify: Click here Find it on Anchor: Click here Find it on Google: Click here Resources Mentioned: Tiny Experiments: How to Live Freely in a Goal-Obsessed World – Get the book on Amazon

Hi beautiful souls, do you have a website? If you said yes, this episode is for you because a pretty website doesn't always pay the bills. Today's guest Ari Krzyzek, CEO and Head of Strategy at Chykalophia (read: see-ka-lo-fia), a woman minority-owned web & creative agency transforming websites for women-led brands. Ari is the co-author of the bestselling book Made to Sell: Creating Websites that Convert. She has been featured in Forbes, Thrive Global, and Buffer and numerous outlets and speaks at conferences across the country. Things talked about:  What is a good website?  Biggest mistake you see business owners make when it comes to their websites? How do you know if your website is working for you or not? Where do most people miss the mark when writing website copy? 5 Questions you should ask yourself about your website? What's more important: design or copy? ...and much more Connect with Lucy: Instagram: https://www.instagram.com/mslucyliu Facebook: https://www.facebook.com/mslucyliu Twitter: https://www.twitter.com/mslucyliu LinkedIn: https://www.linkedin.com/in/mslucyliu TikTok: https://www.tiktok.com/@mslucyliu YouTube: https://youtube.com/@mslucyliu Website: https://www.lucyliucoaching.com Podcast: https://www.lucyliucoaching.com/podcast   Wanna double your confidence in 30 seconds?  Get the ultimate secret here: http://www.confidentandepic.com   Connect with Ari Krzyzek https://arikrzyzek.com  

Dr. Alexandra Sowa, MD is a board-certified physician specializing in internal medicine and obesity medicine. A graduate of Johns Hopkins University, NYU School of Medicine, and Yale University, Dr. Sowa combines top-tier medical training with a deeply compassionate, evidence-based approach to metabolic health. She is the founder and CEO of SoWell Health, a telehealth and clinical service dedicated to treating metabolic dysfunction with personalized nutrition, lifestyle interventions, and medication when appropriate—including the use of GLP-1 receptor agonists like Ozempic. Dr. Sowa is the author of The Ozempic Revolution, where she brings clinical insights and practical tools to the forefront of the obesity and food addiction conversation. Her work emphasizes sustainable habit change, patient-centered care, and bridging the gap between medical treatment and behavioral health. Formerly collaborating with low-carb pioneer Dr. Eric Westman, Dr. Sowa continues to advocate for integrating dietary strategies with hormonal and pharmaceutical interventions for a holistic approach to weight and health. Dr. Sowa is a nationally recognized voice in the field, regularly featured in publications such as The New York Times, Forbes, and CNN Health. She is passionate about helping patients reclaim their health and reframe their relationship with food through science, empathy, and empowerment.

Oh snap!!! Another unicorn present coming in hot! Forbes featured seven figure earner Nicole Cherie Hesse is bringing on another badass guest to help you level up fast and crush your unicorn goals on redefining emotional awareness through wearable AI. Understanding your emotions and really how to function for your business is absolutely possible with InTruth's breaking technology. If you've ever wanted to track emotions in real time, shift patterns faster, and lead with unshakable self-trust, this episode is your holy grail.You maybe asking who the F Nic Gibson is and why the F you should listen to them… Well that is the first question Nicole is going to ask them. So push play and buckle up because it's about to get bumpy!You can connect with Nic Gibson, Founder of InTruth Technologies  here 

Britt Frank, MSW, LSCSW, SEP, is a licensed neuropsychotherapist, award-winning adjunct professor, keynote speaker, and the author of The Science of Stuck and her newest release Align Your Mind: Tame Your Inner Critic and Make Peace with Your Shadow Using the Power of Parts Work.With degrees from Duke University and the University of Kansas, Britt has been featured in The New York Times, Forbes, NPR, Esquire, and Psychology Today for her groundbreaking ability to make complex brain science feel deeply human, accessible—and even fun.Britt helps people untangle long-standing patterns, anxiety, and internal chaos not by fighting their thoughts, but by learning how to work with them. Her central message is one we all need to hear: Your brain is on your side.

As President Trump visits the Middle East, Steve Forbes urges his administration not to cool relations with Israel, and to green light an assault on all of Iran's nuclear facilities as soon as possible in order to bring about a more stable world.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What if the key to making better decisions, deeper connections, and a more fulfilling life was already wired into your body? This week, Ash is joined by Erin Claire Jones, a leading voice in the world of human design, for an eye-opening conversation about self-discovery, decision-making, and living in alignment with your true nature. Ash and Erin break down the five human design types, Manifesting Generators, Generators, Projectors, Reflectors, and Manifestors, and how each type carries distinct gifts, energies, and challenges. Whether you're feeling stuck in your career, navigating tricky relationships, or craving more clarity in your life, understanding your design might be the game-changer you've been missing. But that's just the beginning. Erin unpacks how “authorities” in human design shape the way we make decisions and connect with others. Through powerful examples and practical tools, she shares how listening to your inner wisdom, not outside pressure can lead to more aligned, fulfilling outcomes in work, love, and life. With the recent release of her new book, “How Do You Choose: A Human Design Guide to What's Best for You at Work, in Love and in Life,” Erin is on a mission to help people understand themselves on a whole new level. If you're ready to stop second-guessing yourself and start living with clarity and purpose, this episode is packed with fresh insights and soul-shifting takeaways. In This Episode, You'll Learn: What human design is and how knowing your type can transform your personal and professional life. The five human design types and how each one operates in relationships, decision-making, and productivity. How to use your human design “authority” to make better, more intuitive choices. Why embracing your energy blueprint can lead to more success with less burnout. Practical ways to apply human design in your career, creative process, and daily routines. How to step into radical self-acceptance and use your uniqueness as your superpower. Whether you're brand-new to human design or looking to deepen your self-awareness, this episode will leave you empowered to live with more intention, clarity, and confidence. Visit shopify.com/youturn and only pay $1 for your first month's trial.   Connect with Erin Claire Jones: Erin Claire Jones is one of the world's leading experts in Human Design. Through her coaching, content, and digital products, she has empowered hundreds of thousands of people to overcome their biggest obstacles and find their flow at work, in love, and in life. Her personalized guides have been purchased by customers in over 160 countries. She has spoken on stages across the world, and her work has been featured in Forbes, Elle, The Sunday Times, Vogue, Allure, Nylon and more!   Get your hands on her NEWLY RELEASED book here: https://humandesignblueprint.com/preorder-book/ Learn about Erin's design: https://humandesignblueprint.com (use the code YOUTURN for a discount on her guide) Instagram: instagram.com/erinclairejones & instagram.com/humandesignblueprint Study human design with Erin: https://humandesignblueprint.com/product/course/   Connect with Ash: https://www.instagram.com/ashleystahl/ Want to become a professional speaker and skyrocket your personal brand?  Ashley's team at Wise Whisper Agency offers a done-with-you method to get your signature talk written and booked and it's helped more than 100 clients onto the TEDx stage! Head over to WiseWhisperAgency.com/speak  

Clarity Over Guesswork: The CEO-Level Questions You Should Be Asking What if the only thing standing between you and your next big leap in business is how you see your business? I'm joined by powerhouse business strategist and five-time Forbes business coach Jessica Marx. Together, we unpack what it really takes to scale with clarity, confidence, and profitability. Whether you're currently bringing in $250K and aiming for $500K, or already eyeing seven figures, Jessica shares the same audit strategies she uses with 7- and 8-figure clients — but tailored for where you are right now. You'll learn how to build an ascension model from your existing offers, create scalable systems (even with a tiny team), and adopt the mindset shifts that high-level founders embrace to keep growing. This conversation is packed with practical tips and thought-provoking perspective shifts designed to help you make confident decisions and scale with intention. If you've been unsure where to focus your time, energy, or hiring efforts, this episode is your roadmap to scaling smarter — not harder. HERE ARE THE 3 KEY TAKEAWAYS FROM THIS EPISODE: 1️⃣ You Don't Need More Offers — You Need an Ascension Plan.Learn how to turn one course into a long-term customer journey that increases lifetime value and drives sustainable growth. 2️⃣ Start Treating Your Business Like It's Already at the Next Level.Jessica walks through how to self-audit your operations, organize your internal data, and run your business like a CEO, regardless of your current staff size.  3️⃣ Mindset Is a Business Strategy.Discover the mindset patterns that hold founders back and how to shift your thinking to support sustainable, scalable growth. RESOURCES MENTIONED IN THIS EPISODE: AI Prompt Inspired by Jessica Marks' Business Audit Framework - amyporterfield.com/show-notes/11  Connect with Jessica on Instagram - @thejessicamarx  Work with Jessica - tailoredpremier.com  Listen to our episode on Millions Were Made - $130M in Sales to Appointing a New CEO MORE FROM ME Follow me on Instagram @amyporterfield I know what it's like to wait until everything feels “ready” - but here's the truth

#841: Join us for a second time as we sit down with Emma Grede – British businesswoman, serial entrepreneur, philanthropist, Co-Founder & CEO of Good American, Founding Partner of SKIMS, & Chairwoman of The Fifteen Percent Pledge. Recognized by Forbes as one of the as one of America's Richest Self-Made Women (2022-2024) & America's Richest Self-Made Women Under 40 by Forbes (2022), Emma is a powerhouse reshaping the business world. In this episode, Emma opens up about the realities of hustle culture, the unfiltered truth behind building billion-dollar brands, & how she balances her booming career with life as a mother of four. Emma also shares how she turns bold, creative ideas into the iconic products we all know & love, & gives us an inside look at her new podcast, Aspire with Emma Grede.    To Watch the Show click HERE   For Detailed Show Notes visit TSCPODCAST.COM   To connect with Emma Grede click HERE   To connect with Lauryn Bosstick click HERE   To connect with Michael Bosstick click HERE   Read More on The Skinny Confidential HERE   Get your burning questions featured on the show! Leave the Him & Her Show a voicemail at +1 (512) 537-7194.   This episode is brought to you by The Skinny Confidential   Head to the HIM & HER Show ShopMy page HERE and LTK page HERE to find all of Michael and Lauryn's favorite products mentioned on their latest episodes.   Join us on May 17th in Los Angeles for The Dear Media Edit, a live wellness experience with your favorite hosts and top voices in health and wellness—tickets available now at DearMedia.com/events.   This episode is sponsored by BetterHelp Visit BetterHelp.com/SKINNY to get 10% off your first month.   This episode is sponsored by Boll & Branch Get 15% off, plus free shipping on your first set of sheets, at BollAndBranch.com/skinny.   This episode is sponsored by ASTRAL  House Marg Summer is here. Time to stock up! Go to astraltequila.com to find Astral near you - and don't forget the limes! Please Enjoy Responsibly.   This episode is sponsored by Prolon Visit ProlonLife.com/SKINNY to claim your 15% discount and your bonus gift.   This episode is sponsored by Kettle & Fire You can find Kettle & Fire in almost every grocery store, nationwide. But if you want the hookup, you can save 20% by going to Kettleandfire.com/SKINNY.   This episode is sponsored by Nowadays Visit trynowadays.com and use code SKINNY at checkout for 20% off your first purchase.   Produced by Dear Media