Podcasts about ltv

In this episode of Business Lunch, Roland Frasier and Ryan Deiss explain how the classic four-stage buying journey has collapsed into one moment—and why trust is the lid that keeps prospects “popping” in your pot. They unpack three forms of trust—Identity, Competence, and Proximity—with sharp wins and public flops (Nike, Sephora, Peloton, DSW, Starbucks, Apple, United). You'll get simple creative frameworks to turn short-form content into instant, in-channel conversions and a 14-day sprint to prove it on a small budget.Highlights“It's not a funnel anymore—it's a popcorn popper. Your audience are kernels heating at different speeds. Trust is the lid that keeps them popping for you.”“Competence trust means the brand ‘gets me'—often better than I can describe myself.”“Employees outperform celebrities for reach and credibility—because most buyers are employees.”“Frictionless is forgettable. Add desirable friction that helps buyers name their pain and act.”“If you can't pivot your model, bolt trust into your media: mirror-micro-media, why-what-where, people-place-proof.”Mentioned in This EpisodeThree Trust Types (MAP mnemonic):M – Identity trust: Mirror → Micro → MediaA – Competence trust: “Answer” with Why → What → WhereP – Proximity trust: People → Place → ProofCompetence wins & misses: Nike's “Why do it?” repositioning; Sephora tutorials lifting AOV; Peloton's 2019 holiday ad backlash.Proximity plays: DSW AR try-ons; Starbucks barista TikToks; Apple retail specialists; cautionary tale—United Airlines viral incidents.Localization tactics: regional currency/sites, geo-specific visuals (city skylines), and micro-influencers by market.KPI effects: higher AOV/retention/loyalty from competence; higher LTV from proximity; employee posts driving outsized reach.Timestamps00:00 – The collapsed customer journey: from funnel to popcorn popper (trust as the lid)04:00 – Recap: Identity trust (mirror, micro, media)—and why episodes stand alone but compound07:30 – Competence trust: the brand that “gets me” (Nike shift, Sephora demos) + Peloton misread14:20 – Framework for competence: Why → What → Where (myth-bust, demo, direct CTA)17:30 – Example: 30-sec tax advisory myth-buster → LinkedIn/Reels → consult link → track AOV20:10 – Proximity trust: employees, in-place context, show real proof (DSW AR, Starbucks, Apple)24:10 – Employee content > celebrity polish; make it authentic, even shot on phone26:00 – 14-day Trust Sprint and MAP recap; why proximity is overlooked yet most scalableTakeaways for OperatorsStop chasing linear funnels; engineer trust in-channel so action can happen immediately.Use Why → What → Where to collapse steps: name the pain, show the fix, drop the link.Turn staff into a media network: People → Place → Proof with incentives and simple tracking.Localize by currency, domains, visuals, accents, micro-influencers—it quietly multiplies conversion.Run a 14-day sprint: baseline CAC/AOV → recruit 3 customers + 3 insiders → record shorts →...

Chance encounters can create the most powerful connections. When the Quadfather met Sabeeh at the Abilities Expo in Schaumburg, their shared experience as ventilator users instantly created a bond that transcends the typical podcast conversation."We've got stories to tell," says the Quadfather early in their exchange—and indeed they do. Sabeeh, at 35, reveals her lifelong journey with a rare genetic condition called PAX7 gene, a form of congenital myopathy that has required ventilator support since she was just three years old. Meanwhile, the Quadfather shares his own path to ventilator use following a military car accident nearly a decade ago. Despite these different origins, they discover immediate common ground in using the same LTV ventilator model, both expressing the same fear about switching to newer technology.What makes this conversation remarkable isn't just their medical similarities but the glimpse into everyday life as ventilator users. From the practical challenges of attending a Taylor Swift concert (complete with portable generators for medical equipment) to finding joy through online shopping during difficult days, Sabeeh and the Quadfather demonstrate that disability is just one facet of their full, complex lives. Their casual mention of Sabeeh's memorable meeting with Taylor Swift reminds listeners that behind every medical device is a person with passions, interests, and remarkable experiences.The genuine warmth and instant connection between these two strangers-turned-friends serves as a powerful reminder of why representation matters. When Sabeeh says "your strength really gravitates towards me," it highlights how seeing ourselves reflected in others can validate our experiences and inspire resilience.Like, comment, and subscribe to help amplify disabled voices that deserve to be heard, and as both hosts remind us at the end—take a breath for those who can't do so independently.

Are you tracking marketing numbers or the right marketing metrics that actually grow your clinic? Dr. Pete and Dr. Stephen reveal the ten metrics that matter most so you can attract seekers, raise show rates, and spend your ad dollars with confidence. They walk through how to organize internal, external, and digital lead streams, define what makes a true lead, and keep reactivations on your weekly scorecard. On the financial side, you will see how CPL, CAC, LTV, LTGP, ROI, and ROAS connect the dots between marketing and money, giving you the clarity to scale with certainty.In this episode you will:Learn how to organize attraction into internal, external, and digital lead streams with clear targets.See how to define a lead, an opportunity, and a conversion so your numbers are apples to apples.Discover how to raise Day 1 how rate toward 90% using stronger day-zero processes.Understand why reactivations belong on a weekly scorecard and how they drive net momentum.Connect dollars to results using CPL, CAC, LTV, LTGP, ROI ratios, and ROAS. Episode Highlights01:32 - Learn how to identify the marketing metrics that actually grow your practice.02:21 - Discover how the patient journey begins with seekers and why your message matters.03:00 - Understand the heart-head-hands-feet framework and how it shapes marketing clarity.06:15 - Find out the two categories of metrics that give you the clearest picture of growth.08:13 - See how internal, external, and digital lead streams work together.10:56 - Learn to separate operations metrics from business metrics for better focus.13:19 - Discover how a scoreboard builds focus, accountability, and results.17:06 - Learn how internal, external, and digital leads should stay balanced for healthy growth.19:03 - Discover how to set targets and benchmarks so your marketing goals stay on track.20:56 - Learn how to define a true lead so your reporting stays consistent.21:43 - See how tracking show rate turns leads into real opportunities.23:48 - Learn why reactivations drive net momentum and should be on your scorecard.24:16 - Discover how improving day-zero processes can raise your show rate.28:14 - Understand the five financial metrics that reveal efficiency and effectiveness.29:22 - Discover how LTV and LTGP show long-term growth and profit potential.30:59 - Learn how ROI ratios and ROAS guide smarter marketing investments.32.39 - Coach Oz chats with Success Partner, Dr. Andrew Powell of Better Balance Orthotics, who shares his journey from struggling with flat feet to pioneering orthotics that truly improve posture, balance, and overall patient outcomes. Discover how these innovative orthotics go beyond traditional solutions—helping not just with foot pain but also with headaches, back issues, and fall prevention. Resources MentionedDownload your copy of the Top 10 Marketing Metrics here: https://theremarkablepractice.com/podcast-ep326-mktgmetricsJoin the TRP Remarkable Attraction Immersion - Oct 24 & 25 in Adelaide, AUS - https://theremarkablepractice.com/upcoming-events/For more information about Better Balance Orthotics please visit: https://betterbalanceorthotics.com/Schedule a Strategy Call with Dr. Pete - https://go.oncehub.com/PodcastPCPrefer to watch? Catch the podcast on YouTube at: https://www.youtube.com/@TheRemarkablePractice1To listen to more episodes, visit https://theremarkablepractice.com/podcastor follow on your favorite podcast app.

In this episode of Hustle Inspires Hustle, Alex Quin breaks down practical, actionable strategies to help both e-commerce and service-based businesses succeed during Black Friday. He emphasizes the importance of keeping offers simple—such as clear tiered discounts or urgency-based service upgrades—to reduce friction and improve conversions. Alex stresses that successful marketing goes beyond flashy ads; it's about preparation across your funnel, creative assets, and backend systems. From fast-loading product pages to tight onboarding flows and accurate CRM tracking, every part of the customer journey needs to be ready.He also dives into content strategy and ad execution, encouraging brands to repurpose their top-performing content from earlier in the year with updated Black Friday messaging. Volume matters—especially with Meta's new Andromeda update—so having multiple creatives pre-approved and scheduled can lower costs and reduce last-minute stress. Whether paid or organic, campaigns should be well-structured and tracked meticulously. The core message? Black Friday isn't about hype—it's about execution, efficiency, and data-driven decisions.Episode Outline: [00:00] Welcome Back: Alex thanks listeners and sets up the Black Friday topic [00:15] Importance of Simplicity: Easy-to-understand offers and discounts [00:45] Service Business Tips: Creating urgency with bonuses and intro deals [01:10] Creative Strategy: Bold visuals, testimonials, and multi-format content [01:45] Funnel Tips: Fast product pages, clean checkout, single-action landing pages [02:10] Backend Systems: Fulfillment, calendar space, CRM, and onboarding readiness [02:40] Financial Modeling: Know your margins, track all costs [03:05] Repurposing Content: Use your best-performing content with new Black Friday angles [03:30] Meta Update & Scheduling: More creatives = lower cost; schedule everything early [04:00] Post-Purchase & Tracking: Upsells, LTV, CRM follow-ups, and clean analytics [04:20] Final Thought: Black Friday is about preparation, not just hypeWisdom Nuggets:Simplicity Sells: Your offer should be instantly understandable. Whether it's tiered discounts or bundled services, remove friction—no mental math or coupon codes.Urgency Wins: Black Friday thrives on limited-time offers. Add urgency through countdowns, limited bonuses, or time-sensitive upgrades to drive faster conversions.Prep the Back End: A killer front-end campaign fails without backend support. From ecom fulfillment to service onboarding systems, preparation prevents revenue leaks.Repurpose to Scale: Your best content from earlier in the year is your blueprint. Reuse proven assets with Black Friday messaging instead of creating from scratch.Track Everything or Risk Everything: If your data is off, your scaling efforts will fail. Ensure all pixels, UTMs, and analytics are accurate before campaigns go live.Power Quotes“The key is simplicity. Customers should get it right away.” - Alex Quin“No guessing, no mental math, and no making them type in coupon codes.” - Alex QuinConnect With the Podcast Host Alex Quin:Instagram: (https://www.instagram.com/alexquin)Twitter: (https://twitter.com/mralexquin)LinkedIn: (https://www.linkedin.com/in/mralexquin)Website: (https://alexquin.com)TikTok: (https://www.tiktok.com/@mralexquin)Our CommunityInstagram: (https://www.instagram.com/hustleinspireshustle)Twitter: (https://twitter.com/HustleInspires)LinkedIn: (https://www.linkedin.com/company/hustle-inspires-hustle)Website: (https://hustleinspireshustle.com)*This page may contain affiliate links or sponsored content. When you click on these links or engage with the sponsored content and make a purchase or take some other action, we may receive a commission or compensation at no additional cost to you. We only promote products or services that we genuinely believe will add value to our readers & listeners.*See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dan Blaker was trapped in a sales job he despised while struggling to manage his mother's vacation rental with unreliable cleaners. Searching for an escape, he stumbled upon MaidThis, a cleaning franchise specializing in short-term rentals. With no entrepreneurial background, Dan took a huge risk, securing a personal loan with his mother's help to buy in and start his side hustle.The beginning was a grind of late-night training calls and weekend work. The real test came when he was unexpectedly fired from his sales job, losing his only safety net. This pivotal moment forced him to go all-in on his business, hitting the streets with scrappy marketing tactics to survive. That pressure paid off—today, Dan's generates over $250,000 a year, and he now trains other entrepreneurs entering the system.In this interview, Dan joins Ryan Atkinson to share his incredible journey from frustrated employee to successful business owner. Tune in to learn about how to start side hustle apart from your day jobl, how he secured funding, and the resilient mindset required to build a profitable business from the ground up.Takeaways:- "Messy, imperfect action" will always beat cautious, slow, and manageable growth. Don't wait for the perfect plan; just get started.- Losing your financial safety net can be a powerful catalyst, forcing you to commit fully and get resourceful with your business.- When starting with limited funds, invest your time instead of your money. Scrappy, in-person marketing like networking and visiting potential clients can be highly effective.- The emotional ups and downs of entrepreneurship are real. Learn to separate your feelings from the data-driven needs of the business to make logical decisions.- Focus on the lifetime value (LTV) of a customer. Offering flexibility or a discount upfront can secure a client worth thousands of dollars over the long term.- You don't need to reinvent the wheel. A franchise can provide the systems, playbook, and support network necessary to accelerate growth.- Starting a business often requires creative financing. Don't be afraid to take calculated risks, like securing a personal loan, if you believe in your model.- Resilience is a muscle built during the lowest points. Pushing through tough times equips you with the experience to know you can handle future challenges.- A franchise is not a passive investment. It requires just as much hard work, accountability, and late nights as starting a business from scratch.- Nobody knows exactly what they're doing when they start. The difference between a wannabe and an entrepreneur is the one who takes action despite the uncertainty.Tags: Side Hustle, Entrepreneurship, Business Growth, Cleaning Business, Small Business, Financial FreedomResources:Grow your business today: https://links.upflip.com/the-business-startup-and-growth-blueprint-podcast Connect with Dan: https://www.youtube.com/watch?v=JaXBeYDSDqI

Kathryn sits down with Jill Kellett, VP of Product & Marketing and Annie Yang, Senior Director of Data Science of Root Inc. to unpack how a smaller player competes with giants. The dive into ditching the idea of campaigns, leveraging deep telematics, and precision targeting.Guest Quotes: "Don't try to go head to head. If you know that you're in a saturated market and that everybody else is running Facebook ads, you're probably not gonna win, or you might win and it might be really cost prohibitive to win." - Jill "We're not going to win on brand spend. We're not trying to target every customer or show an impression to every person in the U.S. We're much more about precision and discipline in our experimentation approach." - AnnieEpisode Breakdown:[04:20] Alchemy UnveiledTelematics and predictive data: Root leverages information on driver safety from their app and from third parties, to predict LTV of customers and adjust their pricing models. [23:06] From Nuggets to Campaign GoldScaling back can glean insights: If you have to turn off channels or partnerships, view it as an opportunity to expose which partners truly drove impact.[31:14] Gold Rush!Don't play where you can't win: if you're a challenger, be strategic where and how you invest. You need to think differently. Links & ResourcesConnect with Kathryn: LinkedInConnect with Jill: LinkedInConnect with Annie: LinkedInLearn more about Root: joinroot.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Chris Lopez is joined by co-hosts Jim Pfeifer and Paul Shannon for the September PassivePockets Pulse Check, our monthly roundup of what's moving passive real estate, the shifts we're making in our own portfolios, and what we expect next. We unpack the Fed's recent 25 bps cut (what actually changes for fixed vs. floating debt), why many LPs are rotating toward private credit, and the rules-of-thumb we're using right now for debt funds, multifamily, and development. Paul opens the hood on a heavy value-add 22-unit (50% vacant) targeting an ~11% yield-on-cost in an ~8 cap market, while Jim and Chris break down current debt yields, LTV guardrails, and how to think about liquidity. We also debut the Tool Tip of the Month and have a candid conversation about LP accountability, fraud vs. operator error vs. market risk, and how to use community to get smarter. Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Remember that past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any of the advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

With less than 24 hours until a possible government shutdown, Senate Republicans will give Democrats a final chance to support their plan to keep the lights on at midnight. Are we facing a perfect buy the dip opportunity?Guest: Dr. Hunter Albright, CRO at SALT~This Episode is sponsored by SALT~Borrow on SALT Now! ➜https://bit.ly/pbnsalt00:00 Intro00:10 Brace for impact00:25 Uh-oh00:45 Market past performance01:10 Bloomberg: Dollar will suffer during shutdown02:30 SALT asset offering03:00 Popular client opportunities05:45 Bitcoin lagging gold: Is now the time for a loan?07:10 Market potential08:25 Understanding LTV11:50 Loan usage13:00 Business adoption vs retail adoption15:50 Bitcoin volatality18:00 Strategy concepts19:35 SALT Shield21:00 Liquidation protection22:00 Why take a loan on stablecoins?23:00 LTV recommendation24:40 Outro#Crypto #bitcoin #ethereum~Buy The Shutdown?

AI is moving fast and if you're not keeping up, you're falling behind. In this episode of Lunch With Norm, Norm Farrar sits down with Steve Chou to unpack how sellers can actually implement AI in 2025 to drive revenue, boost conversions, and save time across Amazon and DTC. ✅ You'll learn how to: - Use AI to improve onsite search and 4x search-driven revenue - Build AI-powered upsells and cross-sells like Amazon - Create a RAG database to reduce hallucinations in customer service - Find and segment your highest-LTV customers using smart AI signals - Leverage tools like Gemini, Gamma, Base44, Lovable, Fly.io, 11Labs, and NotebookLM - Turn AI into a creative team: from email to content to chatbot to product research Plus: - How Steve built a fully automated cigar rating app in 2 days - What Shopify store owners should stop ignoring right now - Why “no-code” tools may be holding you back - Pro prompt tips to get better output from ChatGPT and Claude - What AI creators need to watch out for (hint: lawsuits, ADA compliance, hallucinations)   This episode isn't about the theory of AI, it's a full breakdown of how to tactically implement AI systems today to make your brand smarter and more scalable.

Como vender mais na Black Friday? E como estruturar campanhas que realmente convertem? Neste episódio do Papo Social Media, Rafael Kiso e Bárbara Duarte explicam tudo o que você precisa saber para aproveitar a maior temporada de compras do ano: como planejar suas campanhas sazonais, as fases de esquenta, ativação e pós-campanha, estratégias de conteúdo, checklist essencial, além da importância do atendimento e da análise de resultados. Ideal para profissionais de social media, marketing digital, e-commerces e agências que querem aumentar as vendas na Black Friday com campanhas bem estruturadas, criar conexões reais com o público e aproveitar ao máximo o potencial das redes sociais. Confira: 00:00 Introdução 02:05 Como estruturar campanhas sazonais em 3 fases 03:00 Fase 1: Pré-Evento — Estratégias e planejamento 05:15 Captação de leads 07:28 Conteúdos de descoberta e consideração 12:46 Checklist da Fase 1: tudo o que você precisa preparar 18:06 O papel dos influenciadores no pré-evento 24:20 Fase 2: Conteúdo de conversão e ativação da campanha 29:29 Campanhas de mídia paga 33:50 Atendimento, WhatsApp e SAC: a importância da experiência durante a campanha 39:13 Dados de comportamento: mídia social, influenciadores e impulsos de compra 41:13 Fase 3: Estratégias pós-campanha para fidelizar e aumentar o LTV 49:11 Mito ou Verdade: Vender na Black Friday é mais caro? 51:30 Mito ou Verdade: As pessoas só querem desconto nessa época? 55:10 Mito ou Verdade: Para vender mais é preciso publicar mais? 56:32 Encerramento Potencialize sua gestão de mídias sociais com a plataforma mais usada por agências e profissionais no Brasil! Teste grátis a mLabs agora mesmo: https://mla.bs/8f82d839 

¿Y si te digo que crecer no va de ser más barato, más rápido o más automático… sino justo de lo contrario? En este vídeo te cuento 10 tácticas contraintuitivas de Growth que parecen una locura, pero que han hecho crecer negocios reales: ✅ Añadir fricción para vender más ✅ Subir precios y aumentar la conversión ✅ Vender menos productos para crecer más ✅ Invertir más en adquisición para atraer clientes mejores ✅ Fomentar la espera en vez de la inmediatez ✅ Hacer visibles las devoluciones para ganar confianza ✅ Decir que NO a clientes que no te convienen ✅ Eliminar descuentos agresivos y aumentar el LTV ✅ Usar el coste de envío como palanca de ticket medio ✅ Menos automatización, más personalización humana Lo normal no siempre es lo que hace crecer. A veces, la clave está en romper el manual y probar lo que nadie se atreve. 👉 Cuéntame en comentarios: ¿Cuál de estas tácticas te atreverías a probar en tu negocio? 📩 Si quieres aprender a escalar negocios digitales con estas tácticas y muchas más, echa un vistazo a nuestro Máster en Growth - https://go.producthackers.com/

What if your mortgage worked like a checking account? What if every dollar you earned immediately reduced your interest charges? What if you could access your home's equity without getting a second loan or refinancing? Harrison George, the nation's top All-in-One loan producer, reveals a mortgage product that flips conventional wisdom on its head.Traditional mortgages trap your equity and front-load interest payments so heavily that at 5.625%, you pay 100% of your loan amount in interest alone. The All-in-One loan integrates your checking account with your mortgage, automatically sweeping deposits to reduce your daily interest calculations while maintaining full access to those funds. This isn't velocity banking with multiple accounts and complex strategies - it's velocity banking simplified into one product.Hans learns the mechanics in real-time while Brian shares his personal experience using the loan to buy property, pay insurance premiums, and access equity for investments. From SOFR-based adjustable rates that outperform fixed mortgages to qualification requirements and practical applications, this episode breaks down how the All-in-One loan can accelerate wealth building for disciplined borrowers ready to rethink everything they know about home financing.Chapters: 00:30 - Intro03:30 - Core philosophy 06:35 - Velocity banking overview and All-in-One simplification 09:40 - All-in-One mechanics: 80% LTV line of credit with integrated banking 17:10 - Debit card strategy and credit card optimization 18:55 - Property eligibility: primary, secondary, and investment properties 24:55 - Who this isn't for: lifestyle inflation and cash flow negative borrowers 26:20 - Psychological shifts: gamifying debt payoff and spending discipline 28:30 - Payment structure: no fixed payments, interest-only charges 30:15 - Emergency flexibility and foreclosure protection advantages 32:05 - Mental shifts and debt payoff gamification 34:50 - SOFR-based interest rates: monthly adjustments and margin selection 40:25 - Traditional mortgage front-loading and total interest percentages 42:00 - Harrison's philosophy on 30-year mortgages as entry tools 44:35 - Brian's IBC integration: using equity for premium payments 46:05 - Practical applications: cars, college, rental properties 1:00:25 - All-in-One loan simulator walkthrough at allinoneloan.com 1:09:10 - Future case study possibilities and closing thoughtsKey Takeaways:All-in-One Loan Mechanics:Functions as checking account integrated with mortgage - every deposit immediately reduces interest charges80% loan-to-value maximum with no traditional monthly payments, only monthly interest chargesSOFR-based rates with 2.5% to 4% margin selection (currently 6.4% to 8.3% range)700+ credit score for primary/second homes, 720+ for investment propertiesMinimum 20-25% down payment depending on property type10-15% reserves of line of credit amount in liquid assetsPositive monthly cash flow of at least 15% of net incomeProvides control and flexibility unavailable in traditional mortgagesEnables strategic use of home equity for wealth-building activitiesGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar!Visit https://remnantfinance.com for more informationHarrison George Contact: Email: harrison@cmgfi.com Phone: (925) 785-6828 All-in-One Loan Calculator: https://allinoneloan.comFOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE

The Blue-Collar Twins sit down with Byron Gifford—the “godfather of door-to-door”—to unpack his ground-zero start in summer sales, the Evergreen chapters (launch, rapid expansion, strategic exits), and the operating cadence that lets his team add tens of thousands of accounts without melting down. It's a masterclass in self-financing hypergrowth, centralizing ops, and developing leaders who can actually carry the load. You'll hear: Hypergrowth reality: why fast scale feels like self-financing—and why people are harder than cash.Ground zero of D2D: Salesnet → Eclipse → starting a pest company from a marketing engine.Evergreen playbook: launch, densify, sell, reinvest—then rinse and repeat across markets.Centralized backbone: one call center, cookie-cutter ops, and tech/termite cross-sell that de-risk seasonality.Beyond the doors: building non-D2D channels (digital, referrals, tech upsells) until they rival summer volume.Leadership & longevity: morning “elevated state,” systems, and a health comeback that reset the throttle. Show links: From Gym Teachers to Service Leaders: The Julio Twins' Story | Last Bite Mosquito, Viking Pest https://youtu.be/DAYxtzhswxs From PE Teachers to Pest Control Owners: The Julio Twins Share Their POTOMAC Experience https://youtu.be/HAx9noqsqTo https://www.linkedin.com/in/paulgiannamore www.potomaccompany.com https://bluecollartwins.com Produced by: www.verbell.ltd Timestamps 00:00 – Cold open: cash for growth vs. developing the right people 00:48 – Intros: the Blue-Collar Twins welcome Byron “godfather of D2D” Gifford 01:42 – BYU mission → first summer selling → top rookie with Salesnet 03:18 – Salesnet bankruptcy, pivot to Eclipse, and launching a pest company from a sales org 06:00 – 2008 crash, reset, and the road back 08:58 – Evergreen launch: Seattle → Portland (sale) → Denver/Albuquerque; a parallel trash-marketing sidecar 14:00 – D2D economics: densification, rising CAC, and the 2–3 year LTV/retention bend 18:58 – “A-Team” cadence: department heads, cash-model precision, people as the limiter 22:00 – Morning routine: elevated state, gratitude, workouts, and living by the calendar 27:00 – Lyme disease detour → stem-cell recovery → throttle back on full 29:56 – Branch-owner model (50% local equity), lessons, and selective sales to strategic buyers 36:52 – Beyond D2D: digital, tech-sales, and termite cross-sell compounding into real scale 40:00 – Ogden, UT hub: central call center and cookie-cutter ops for multi-market control 43:26 – Panels, PestWorld, and a PCT Top-10 goal on the horizon 49:00 – Leadership philosophy: set expectations, kill drama, find solutions, keep moving

¿Y si te digo que crecer no va de ser más barato, más rápido o más automático… sino justo de lo contrario? En este vídeo te cuento 10 tácticas contraintuitivas de Growth que parecen una locura, pero que han hecho crecer negocios reales: ✅ Añadir fricción para vender más ✅ Subir precios y aumentar la conversión ✅ Vender menos productos para crecer más ✅ Invertir más en adquisición para atraer clientes mejores ✅ Fomentar la espera en vez de la inmediatez ✅ Hacer visibles las devoluciones para ganar confianza ✅ Decir que NO a clientes que no te convienen ✅ Eliminar descuentos agresivos y aumentar el LTV ✅ Usar el coste de envío como palanca de ticket medio ✅ Menos automatización, más personalización humana Lo normal no siempre es lo que hace crecer. A veces, la clave está en romper el manual y probar lo que nadie se atreve. 👉 Cuéntame en comentarios: ¿Cuál de estas tácticas te atreverías a probar en tu negocio? 📩 Si quieres aprender a escalar negocios digitales con estas tácticas y muchas más, echa un vistazo a nuestro Máster en Growth - https://go.producthackers.com/

In this episode of RevOps Champions, host Brendon Dennewill interviews Vince Chiofolo, SVP of Revenue Strategy at Dash Solutions and President of the Incentive and Engagement Solutions Providers (IESP). The conversation explores the critical but often overlooked connection between payment experiences and customer retention. Vince reveals that 76% of customer churn can be traced back to poor payment experiences, whether inbound or outbound.The discussion dives deep into how RevOps teams can drive alignment across organizations by focusing on shared metrics like lifetime value (LTV), net revenue retention (NRR), and customer health. Vince shares practical insights on building loyalty through three key pillars: emotional, structural, and behavioral loyalty. The episode provides actionable frameworks for reducing churn, improving customer experience, and creating sustainable revenue growth through better operational alignment.What You'll LearnWhy 76% of customer churn relates to payment experience failures and how to address themThe three-pillar framework for customer loyalty: emotional, structural, and behavioralHow to align entire organizations around shared revenue metrics and outcomesThe surprising ROI of retention: how a 1-2% drop in churn can increase company valuation by 12%Practical strategies for moving beyond "new logo obsession" to focus on customer expansionCommunication frameworks that scale with business growth: metrics, rhythms, and strategic focusHow outbound payment solutions can transform from cost centers to revenue driversResources MentionedDash Solutions - B2P (Business-to-Person) payment platformMcKinsey study on organizational silos as growth barriersEinstein's problem-solving methodologyNet Revenue Retention (NRR) as a key alignment metricCustomer Lifetime Value (LTV) optimization strategiesAbout Vince ChiofoloTitle: SVP of Revenue Strategy Company: Dash SolutionsIs your business ready to scale? Take the Growth Readiness Score to find out. In 5 minutes, you'll see: Benchmark data showing how you stack up to other organizations A clear view of your operational maturity Whether your business is ready to scale (and what to do next if it's not) Let's Connect Subscribe to the RevOps Champions Newsletter LinkedIn YouTube Explore the show at revopschampions.com. Ready to unite your teams with RevOps strategies that eliminate costly silos and drive growth? Let's talk!

In this episode of the podcast, I speak with Daniel McCarthy on the topic of Customer Lifetime Value (LTV / CLV). This is Daniel's second appearance on the podcast; he first joined me in April to discuss his paper, Evaluating the Impact of Privacy Regulation on E-Commerce Firms: Evidence from Apple's App Tracking Transparency.In this episode, Daniel provides an overview of the CLV / LTV metric. Among other topics, we cover:The concept of LTVThe commonalities observed across companies that utilize LTV successfullyThe analytical challenges in deriving LTVWhich functional team within an organization should own the LTV metricThe right dimensionality / granularity of user segmentation to use in calculating LTVThe ways in which companies overcomplicate the LTV calculationHow the LTV metric can be kept currentWhether improvements to LTV through product or marketing optimization over time should be assumed when calculating LTVThanks to the sponsor of this week's episode of the Mobile Dev Memo podcast:INCRMNTAL⁠⁠. True attribution measures incrementality, always on.Universal Ads is Comcast's self-serve TV ads platform that lets you launch campaigns in minutes across premium inventory from NBC, Paramount, Warner Brothers Discovery, Roku, and more.Interested in sponsoring the Mobile Dev Memo podcast? Contact ⁠Marketecture⁠.The Mobile Dev Memo podcast is available on:Apple PodcastsSpotify

In this episode, Dylan is out in order to prep for our conference down in Orlando. But, Josh is solo-ing this episode with 5 pop-ups you NEED for your ecommerce store to make the most out of every visitor. Only 2-5% of people actually buy when they land on your website. Meaning, you're leaving 95-98% of people that don't buy and probably won't ever come back. Pop-ups help improve that by capturing their information and rewards them with a discount. However, most people only have a Welcome Offer. But what about those that fill out the welcome offer but don't buy? Or, customers who have bought that are coming back for a possible second purchase? These are low hanging fruits that you could add huge multipliers to your LTV. -=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-► Visit Our Website For Training and Resources ► Leave Us An Honest Rating, Email An Image Of Your Rating To team@theecommercealley.com, We'll Send You A $10 Amazon Gift Card As An Appreciation Gift!► Learn About Our Mentorship Program For Ecom Brands Making Over $10k/month ► Checkout Our Upcoming Software, Breezeway - Never Second-Guess Your Meta Ads Again ► Follow Josh on social media: YouTube | Instagram | Facebook | TikTok |

I went from $0 to $1,000,000 in 7 weeks—and in this video I break down the exact system so you can model it for your coaching business.You'll see how to scale a coaching business fast with one avatar, one offer, one channel, a simple webinar funnel for coaches, and premium pricing. I'll also show the numbers behind Facebook ads to webinar, how I used client financed acquisition (credit → calls → cash collected), and the daily tracking metrics for ads (CAC, LTV, book-to-close, show rate) that kept us profitable.What you'll learn:– Positioning: how to pick one avatar + one painful problem people pay to solve.– Offer: switch from tips to transformations (high-ticket coaching offer that justifies the price).– Acquisition: the exact evergreen webinar strategy (teach-to-sell) I used to get clients fast online.– Traffic: running Facebook ads to webinar without burning cash—and when to scale.– Cash flow: the client financed acquisition method so ads pay for themselves in ~30 days.– Numbers: beginner-friendly CAC/LTV and the 8 key tracking metrics for ads I watched daily.– Sales: how to run coaching-style sales calls that convert without pressure.– Mindset: investor mindset, expect tests to fail, iterate fast, progress over perfect.Whether you're a health expert or a coach, this is the simplest path I know to build a $100k–$1M+ coaching business: one avatar, one offer, one channel—executed exceptionally well.NEXT: If you're serious about scaling your health coaching without the grind or guesswork, then watch the Million Dollar Health Coaching Roadmap on our Youtube → https://youtu.be/xwSu1f1za6QIt's the full plan to grow from $0 to $1M+ as a health expert or coach.

Questions Advi answered in this episode: What is Social Plus, and how do its in-app social features work?Why is retention ‘the new acquisition' in 2025?What mistakes do marketers make when they think about retention?How do community features increase CLV across verticals like fitness, travel, and retail?How can first-party data from in-app communities transform marketing and personalization?Who inside a company should ‘own' retention marketing, product, or success?How can loyalty programs be built on organic engagement instead of just promos?What is the ‘spaces model' for understanding community ROI?How should marketers balance personalization with scale across millions of users?What metrics should marketers stop obsessing over, and which deserve more focus?What new revenue opportunities do brand partners unlock inside communities?Timestamps:(0:00) – Intro; Advi's background and Social Plus overview(1:38) – Micro-community examples: surf shops, fitness apps, Nike sneakerheads(7:03) – Why ‘retention is growth' in 2025: CAC vs CLV(9:30) – Marketing silos and the ownership problem in retention(13:40) – Why promos and events are less effective than organic engagement(17:21) – First-party data: insights, sentiment analysis, and privacy advantages(20:00) – Loyalty vs. hypergrowth: why CLV is a long-term play(22:37) – Signals of churn, and how to intervene before users leave(25:41) – Balancing personalization and scale with AI-driven sentiment and clusters(28:20) – Metrics that marketers overvalue (CAC, ad spend) versus those they undervalue (LTV, frequency, order size)(31:00) – Brand partnerships inside communities: CPM rethink and new revenue models(33:32) – Rapid fire: food in Thailand vs Italy, habits, dream jobs, favorite brandsSelected quotes(12:50) – “Promos and gamified events help, but organic engagement helps more. People join a 30-day fitness challenge not for the discount, but because others are posting daily and they want to participate.”(21:22) – “Customer acquisition is measurable and fast, which is why VCs love it. Retention is a long-term play, it's demand gen, brand equity, and profitability over three to five years.”(28:30) – “Marketers need to stop obsessing over CAC. In my world, it's 30% CAC, 70% retention and lifetime value.”(32:23) – “For sponsored posts in-community, we've seen brands charge $15 to $60 CPMs, because the audience is hyper-focused and conversion rates are so much higher.”Mentioned in this episodeSocial Plus (social.plus)Advi on Linkedin

In this episode, the Operators break down how to build a world-class product development organization. They dive into how to structure your product team and debate who should own the process from idea to launch. They also tackle the classic question of whether your strategy should be marketing-led or product-led.Drawing from their own expensive mistakes and huge successes, the hosts share hard-won lessons on the toughest challenge of all: choosing what to make. They share their strategies for balancing groundbreaking 'hero' products with simple, iterative improvements. They also explain the critical difference between products designed to acquire new customers (CAC products) and those built to increase customer lifetime value (LTV products).Chapters:00:00 Introduction05:45 How to Structure Your Product Team19:21 Deciding What to Make30:16 Learning from Wins And Fails44:16 The "Ready to Launch" DilemmaPowered By:Fulfil.io.https://bit.ly/3pAp2vuThe Only Cloud ERP Designed to Efficiently Scale 8 and 9-Figure Brands. Northbeam.https://www.northbeam.io/Postscript.https://postscript.io/Richpanel.https://www.richpanel.com/?utm_source=9O&utm_medium=podcast&utm_campaign=ytdescSaras.https://saras-analytics.typeform.com/to/T8jpuAEb?utm_source=9operator_lp&utm_medium=find_out_moreSubscribe to The Marketing Operators Podcast here:https://www.youtube.com/@MarketingOperatorsSubscribe to The Finance Operators here:https://www.youtube.com/@FinanceOperatorsFOPSSign up to the 9 Operators newsletter here:https://9operators.com/

https://constraintcalculator.scoreapp.com/In this episode, Jordan Ross sits down with Matthew Larsen, a marketing strategist and funnel builder behind 1000X Leads, to talk shop on scaling agencies, creating info-product empires, and the challenges of growing through operations and M&A.The conversation spans from engaged life in New York City to building paper-lead businesses, repurposing SOPs into scalable products, and the differences between B2B and B2C roll-up strategies. Matthew shares his experience running rev-share deals with high-performing agencies, his philosophy on LTV-driven industries, and why most agencies struggle to make it past $1M in revenue.If you're interested in funnels, agency growth, or the reality of acquisitions, this candid conversation offers insider lessons you won't find in a playbook.⏱️ Chapters– Engaged life updates & life in New York vs. Miami– Funnel building genius: Matthew's info-product & ad background– Scalable templates vs. coaching/consulting models– Which industries actually have sustainable LTV– Why most marketing agencies struggle long-term– Niche specificity: e-commerce vs. real-world businesses– Rev-share deals: Matthew's strict criteria & success stories– Structuring growth fees and scaling revenue share– Paper-lead agencies: simplicity, automation, and scale– Roll-ups, M&A, and the “dream team” strategy– B2B vs. B2C roll-ups: challenges and opportunities– Billion-dollar exit vision & assembling top operators– Closing thoughts and next stepsTo learn more, go to 8figureagency.co

Achieving LTV greater than CPI is the foundation of success in mobile growth ... obviously.But how do you consistently achieve that?With a full app lifecycle strategy.In this episode of Growth Masterminds, host John Koetsier speaks with Roberto Sbrolla, Head of Growth at AppAgent, about the critical importance of maintaining a higher Lifetime Value (LTV) than Cost Per Install (CPI) in mobile gaming. Roberto, a 15-year veteran in digital marketing, outlines key strategies and tactics to achieve this balance consistently. From understanding market positioning and leveraging creative strategies to optimizing user acquisition and monetization, this podcast delves into various levers that can be pulled to maintain a sustainable and profitable mobile game business. Whether you're looking to compete head-to-head with industry giants, find your niche, or innovate and create a new market, this episode offers valuable insights into making it happen.00:00 Introduction to Growth Masterminds00:51 The Importance of LTV and CPI in Mobile Games02:24 Strategies for Achieving Higher LTV than CPI02:41 Competitive Positioning in the Mobile Game Market04:22 The Role of Funding in Strategy Execution04:47 Niche Markets and Innovation13:55 The Importance of Market Research15:44 Leveraging CPI for Competitive Advantage17:18 Understanding Market Response and CPI17:54 The Role of Mini Games in CPI and Retention19:17 Monetization Strategies and Hybrid Models21:03 Campaign Types and Their Impact on ROAS24:55 Importance of Retention and Early User Experience31:57 Social Features and Their Impact on Retention33:31 Strategy vs. Luck in Game Development

In this episode, Craig McGrouther sits down with Bernard Pierson, co-founder of EHP Capital, who's been LP investing since 2012 and now focuses on value-add multifamily in Kansas City. Bernard reveals a counterintuitive insight from his 50+ LP investments: deals projecting 15-17% IRRs often outperformed those advertising 30%+ returns. He shares how Kansas City has consistently ranked in the top 5 U.S. markets for rent growth over the past 3 years while avoiding the supply issues plaguing gateway markets. Bernard breaks down their operational value-add approach, including discovering 200 unchecked voicemails on a property's leasing line that no one was monitoring. With family office investors from Latin America, EHP targets 17-18% IRRs, 5-7% cash-on-cash, and 2x equity multiples using conservative 60% LTV agency debt. His key lesson: the boring, down-the-fairway deals often deliver the best risk-adjusted returns.Learn more about Lone Star Capital at www.lscre.com 

NASA has selected the first instruments to be integrated into a lunar terrain vehicle.

Send us a textWhat if one partnership could change your entire brand trajectory? Meet Vania Truchsess—Venezuelan-born, New Zealand-based jewelry designer whose handmade pieces landed in Karen Walker stores and unlocked a flywheel of credibility, stockists, and DTC growth.In this episode, we cover:How Vania went from babysitting to building a handmade jewelry label in NZWhy wholesale increased her direct-to-consumer sales (not the opposite)Pricing, margins, and range editing (and why you must revisit them yearly)Trade shows as a one-good-stockist play (LTV thinking > vanity order counts)Using markets, email (Flodesk), and workshops to fuel DTC demandCollaborations that borrow audiences and build brand equityBalancing creativity with cash flow, admin, and sustainable routinesThe mindset that keeps her shipping: perseverance (and a bracelet to prove it).SAVE YOUR SPOT IN MY NEW FREE LIVE TRAINING HERE: https://www.thelotco.com/trainings Vania Truchsess is the founder of Vania, a handmade jewellery brand inspired by nature and gemstones. Her ranges span everyday unisex pieces to woven “Daydreamer” earrings and gemstone necklaces using freshwater pearls and 14k gold-filled elements.Timestamps: 00:00 Meet Vania + what the brand stands for 02:20 Early making roots in Venezuela + family influences 04:45 Markets, morphing to the Kiwi aesthetic, and first “real job” detour 08:30 Range, pricing, and staying differentiated in a saturated category 09:50 The Karen Walker moment—and how credibility compounds 12:40 Why wholesale boosts DTC (yes, really) 14:50 Seasonality, Australia expansion, and realistic timelines for conversion 16:45 Trade shows: playing the long LTV game 18:20 DTC levers: email, paid/organic, markets, and beading workshops 21:10 Risks, bulk buying, duties, and owning what you do 27:40 What success looks like beyond revenue (impact stories that matter) 32:10 Evolving into fine jewelry; skills, vision, and authenticity 34:00 Creative vs. CEO time: routines and grace over perfection 41:20 Long-term partners > one-night collabs 43:15 Final advice: perseverance + smart riskSupport the showI'm Mel Robbins! from @thelotco Want a Roadmap to Building a Profitable Product Business head here for directions! Looking for ongoing support to grow your brand and sell more of your product? Join the Product Business Growth Club here. Find more details at https://www.thelotco.com.au/Business Coach for product-based businesses. Teaching creative business women how to build a scalable and profitable million-dollar product business whether a physical Retail store or Brand.Over 25 years as a Retail and Wholesale Strategist (Sales and Marketing for Brands).Grab my 8 step checklist on building a profitable product business.

In this power-packed episode, marketing expert and author Corey Quinn reveals the proven strategy that helped scale Scorpion from $20 million to over $150 million in revenue. Quinn shares his deep specialization methodology - a trademarked approach that transforms generalist professional services firms into industry-dominant specialists. Through compelling stories including a Tesla giveaway that generated 100+ franchise clients, Quinn demonstrates why saying "no" to everyone and "yes" to one vertical market creates the ultimate competitive advantage. This episode is essential for agency owners, consultants, and professional services leaders stuck in the generalist trap and ready to break through to exponential growth.What You'll Learn:The Generalist Trap: Why serving everyone leads to context switching, operational inefficiency, and commodity pricing that keeps you stuckDeep Specialization Framework: The 5-step methodology to escape founder-led sales and build a vertical market specialist businessThe Tesla Strategy: How a $100K+ marketing gamble at the IFA conference generated 100+ franchise clients and transformed Scorpion's businessLTV vs CAC Mastery: Why lifetime value (LTV) is the most critical metric and how specialization creates 10X+ advantages over generalist competitorsThe Specialization Flywheel: How focusing on one vertical creates operational leverage, authority, premium pricing, and sustainable competitive moatsScaling Through Verticals: The strategic approach to expanding from one specialized vertical to five while maintaining deep expertiseCorporate vs Entrepreneurial Dynamics: How to align with visionary leadership and speak their language to drive big initiativesResources Mentioned:Anyone Not Everyone: A Proven System to Escape Founder-Led Sales is Corey Quinn's bestselling book. Get started with the free audiobook and digital workbook with videos, templates, and worksheets. IFA Conference: International Franchise Association annual conference HubSpot: Early adoption story and evolution from 5-person to 500+ person sales teamsScorpion: Digital marketing agencyAbout Corey QuinnMarketing Expert, Author & Business Growth Strategist at Corey Quinn, Inc.Is your business ready to scale? Take the Growth Readiness Score to find out. In 5 minutes, you'll see: Benchmark data showing how you stack up to other organizations A clear view of your operational maturity Whether your business is ready to scale (and what to do next if it's not) Let's Connect Subscribe to the RevOps Champions Newsletter LinkedIn YouTube Explore the show at revopschampions.com. Ready to unite your teams with RevOps strategies that eliminate costly silos and drive growth? Let's talk!

In this episode of Million Dollar Flip Flops, Rodric sits down with Blake Stratton — coach, consultant, dad, and self-proclaimed “pivot artist.” Blake helps moms and dads escape the golden handcuffs of unfulfilling careers or rigid business models so they can reclaim time, freedom, and impact during the fleeting “good old days” of raising a family.Together, Rodric and Blake dive deep into:Why risk avoidance is an illusion — and how to reframe what you're really risking in life and business.The toleration point where people either retreat to comfort or break through to transformation.Lessons from Ivan Illich, KFC logos, and why the best coaches don't just hand you spreadsheets — they coach the person, not just the business.How mindset, courage, and clarity create more growth than any tactic or PDF ever will.Why investing in help (employees, coaches, systems) is the difference between scaling and stagnation.This is a powerful conversation about the courage to change course, the risk of staying stuck, and how to live a life you won't regret at the end.Quote Highlights:“Risk avoidance in a vacuum doesn't exist. You're always risking something.” – Blake Stratton “It's never been about the money for me… and that's why I make a lot of money.” – Rodric LenhartTimestamps:(0:00) Blake's latest pivots and client focus(4:00) The bittersweet choice to step away from Boardroom(9:45) CAC, LTV, and million-dollar pace conversations(16:00) Escaping the golden handcuffs & parenting perspective(20:00) Risk vs. tolerance and Ivan Illich's legacy(27:00) Coaching through mindset shifts (investment vs. expense)(39:00) Walking the talk with family, travel, and lifestyle design(45:00) Coaching the person vs. giving spreadsheets(52:00) How Blake prioritizes tasks (and why the Eisenhower Matrix isn't enough)

Send us a textA couple of months ago, Gabe Rogl, the CEO of Demandbase, posted:BGM, or Buying Group Marketing, is the new ABM. Yes, ABM was named wrong in the first place. It should have been account-based go-to market, or account-based experience.  But it's because it's just not a marketing thing. And yes, it's still foundational for businesses that market complex solutions with long sales cycles, but there's been a clear evolution the last 15 years that's led us to the criticality of buying groups. It started around 2010, when the lead-based approach reached its endpoint. That led to the decade-plus evolution of ABM as a practice, as a job function, and as a technology. ABM was a huge step forward because it focused resources on accounts that led to the greatest LTV and made sales and marketing alignment a priority. But today, the best go-to markets are supercharging ABM by operationalizing buying groups as:1.  Not everyone in an account is relevant to the sales cycle.2. There are more people involved in a sales cycle than ever before. 3. Accounts can purchase multiple products, focusing on the account alone without using buyer groups as a data object. This makes it very difficult to prospect, sell, forecast multiple opportunities in the same account.4. Engaging buying groups de-risks every phase of revenue creation. Pipeline, win rates, renewal, expansion. 5. It is an absolute competitive differentiator right now, because few companies are doing it well.This is why he says BGM initiatives will drive the next wave of B2B growth. But on this episode, Jessica Fewless at Inverta joined Kristina Jaramillo and Eric Gruber to challenge Gabe's post and thoughts.  

In Episode 92 of the Digital Velocity Podcast, Erik Martinez talks with Timothy Peterson—an executive leader with 25+ years across retail, e‑commerce, data, and operations—about how to integrate artificial intelligence thoughtfully and profitably. Drawing on roles from Bloomingdale's and Pottery Barn to CPG business intelligence and today's fractional CEO work, Timothy shares a pragmatic, cross‑industry view of what it really takes to make AI create business value.  Timothy highlights hyper‑personalization at scale as the standout opportunity: using hundreds of relevant data sources to tailor experiences that deepen engagement and drive growth. But he cautions that rushing in can erode trust—especially when AI replaces human judgment in customer service or when proprietary content is scraped into training sets without authorization. The takeaway for brand leaders is clear: protect your data, protect your customers, and don't let AI tools redefine your value proposition without intent.  To prioritize investments, Peterson lays out a simple sequence: first upskill people (think weekly lunch‑and‑learns, practical workshops, and targeted certifications), then pilot tools to learn what really moves the needle, and only then fund larger infrastructure. He also introduces “governance as a service,” ensuring responsibility for privacy, compliance, and ethics is shared across legal, marketing, and operations—rather than bolted onto a single role within the company. Clear accountability and measured rollout beat shiny‑object adoption every time.  For direct‑to‑consumer marketing leaders, the playbook is refreshingly grounded: personalize to lift conversion and LTV, document and simplify processes so AI augments what already works, narrow your focus to the channels and products that matter, and measure the impact on sentiment, conversion, lead flow, and revenue. Above all, stay adaptable and keep learning—the real competitive advantage isn't any one model or tool, but a culture that can turn new capability into sustained customer value. 

Dans cet épisode, je te montre pas à pas comment j'audite un compte e-commerce « en cours de route » pour isoler rapidement ce qui fait monter le CPA et ce qui freine le scale. On part d'un cas réel : lecture des tendances dans Ads Reporting (hebdo vs mensuel), détection d'une saisonnalité, plongée dans l'Ads Manager (campagnes actives, budgets, CPA), vérification du panier moyen, extraction des vrais « winners » créa, et choix d'audiences (Advantage+ vs tests ciblés).Tu repars avec une trame d'audit pragmatique, des questions précises à poser à l'annonceur, et un plan d'actions immédiat (offre, testing, email/LTV, tracking) pour remettre le compte sur des rails rentables—sans te perdre dans les détails.NOTE :Agence : https://www.j7media.com/frFormez-vous : https://j7academie.com/Newsletter : https://j7media.com/escouade

Marcus welcomes Rob Israch, President of Tipalti – a late-stage, fast-growth SaaS company in the finance sector. Rob shares his extensive experience from NetSuite, Intuit, and GE, detailing his unique journey from marketing to president, and the "fun ups and downs and pitfalls" of scaling a global business. The discussion delves into the critical aspects of building and leading a company through various growth phases, adapting to market changes, fostering effective communication, and understanding what truly drives sustainable success in a rapidly evolving economic landscape. Key Discussion Points: From Marketer to President Rob's background as a marketer and his career trajectory from CMO to President at Tipalti. The importance of embracing "grey space" – taking on challenges beyond one's immediate job scope and being willing to learn. Why getting results, being humble, and executing, even on "unsexy things," are crucial for career advancement. Advice for CMOs Aspiring to Leadership The necessity for marketers to be analytical, capable of marrying creativity with metrics, and speaking the language of finance and the board. Avoiding sounding "too much like a marketer" by focusing on truth-finding and problem-solving with numbers, rather than just storytelling. The Evolution of a Scaled Business: Tipalti's Journey Insights into Tipalti's growth from 25 employees to over 1,000 in 11 years. Changes in hiring, talent acquisition, and leadership skills needed at different stages of growth. The increasing importance of communication and alignment as a company scales. The Critical Role of Middle Management The immense impact of a strong middle management layer on a successful operation. The challenge of selecting the right leaders, maintaining a high bar, and knowing when to promote from within versus bringing in outside talent. Detecting leaders who "talk a good game but can't actually get results". Operating Rhythms and Communication at Scale The necessity of formalising company values and mission as a business grows, moving past initial cynicism. Examples of operating rhythms, including quarterly leadership offsites, cross-functional business leader meetings, and CEO roundtables. The importance of one-to-one conversations and cross-functional SWAT teams to break down silos in larger organisations. Detecting Hidden Issues (Rot Under the Floorboards) Using a balanced scorecard as a metric system to avoid people gaming a single goal and to gain comprehensive insights. The value of early indicators and actively listening to employees and customers to uncover problems not captured by metrics. What Investors Should Ask (But Rarely Do) The need for investors to dig deeper into a company's identity, target market segments, and differentiators to understand the "why" behind the metrics. Dangers of Misguided Scaling Assumptions The common mistake of assuming that simply hiring "top talent" from prestigious backgrounds will solve all issues, without considering their fit and ability to adapt and execute at all levels. The continuous need for leaders to adapt and evolve every six months as the business changes. Holistic Business Growth vs. Deal Momentum Theatre Protecting against "deal momentum theatre" where new wins are celebrated, but cash flow, retention, and loyalty lag. The shift towards a healthy, holistic approach with happy, advocating customers as the most profitable way to grow, even if it feels uncomfortable. How Tipalti re-emphasised customer centricity through values, committees, and new metrics when growth challenged earlier informal approaches. Regrets in Institutionalising Processes Regretting a period of too much focus on new business conversion at the expense of the entire customer lifecycle. The tricky balance between investing in product vision and addressing immediate customer needs. Balancing Investor Pressure with SaaS Reinvestment The importance of a smart LTV to CAC model to balance short-term gains with long-term sustainability and profitability. LTV to CAC as a filter that guides investment decisions and helps communicate strategy to investors. Rethinking Customer Health: NPS vs. Net Value Score Rob's advocacy for NPS as a humbling and valuable metric for customer-centric culture, though acknowledging its limitations in directly linking to business results and long-term value. Marcus introduces his concept of a Net Value Score which ties customer outcomes directly to revenue retention and margin for a more honest and predictable measure of future relationship value. Loyalty as the North Star The distinction between renewal, repeat purchases, and customer loyalty. Loyalty as the ultimate aspiration for a business, which naturally drives the other two, and serves as a vital "North Star" for employee motivation. Systematising Referrals and Customer Expansion (GoToBase) Using data science and data mining to correlate customer behaviors with LTV to CAC, expansion rates, and product usage. The observation that customer expansion and "GoToBase" motions are often immature in many organisations, with a heavy focus on new logos. The argument that referrals should be a systematised engine, not an accident, and that happy customers are the foundation. Adapting to the New Economic Reality and the Power of Trust The shift from an environment of cheap money and growth at all costs to one demanding profitability and sustainable metrics. The need for go-to-market leadership to adapt or be replaced, with increased importance of customer success, account management, and marketing/channel functions. In an age of decreasing trust due to AI and media, companies that build around trust within their customer and partner base will thrive, making trust a powerful, measurable "operating system" and "North Star". Rob's Best Mistake: Being naive and taking chances in "grey spaces," which doesn't always work out but consistently leads to valuable learning and experience. Connect : You can find Rob Israch on LinkedIn https://www.linkedin.com/in/robisrach/   Don't forget to like, comment, and share this episode! If you're a leader navigating rapid growth, this conversation is for you. Stay safe and happy selling!

구금 한국인 300명 10일 전세기로 귀국비자 리스크 급부상 2030년까지 수도권 매년 27만호 신규 착공규제지역 LTV 50%→40% 강화중수청 행안부로, 기재부 분리검찰개혁 조직개편, 격동 예고李대통령 오늘 여야 대표 회동조국혁신당 지도부 총사퇴See omnystudio.com/listener for privacy information.

Your Playbook for Black Friday & Cyber Monday Creative that ConvertsSign up here: https://www.tiereleven.com/BfcmGet your Beauty Brand's creative trend report from one of the most successful Creative Strategists, Lauren Schwartz. In this FREE webinar, you'll get all the Angles, Styles & Hooks That Sell (Before Your Competitors Catch On.) Black Friday and Cyber Monday are the most competitive moments of the year for beauty brands, and the right creative is how you win. In this webinar, we'll reveal the trends, hooks, and tactics driving conversions before your competitors catch on. You'll learn:Angles, Styles, and Hooks - Those that are actually selling this season, and not the trends we are going to see over-saturated.Macro Creative Trends - Learn all about the Macro creative trends that will shape your Q4 creative ads.Holiday Hooks - Holiday hooks that can be shaped to your brand to own the feed and stop the scroll.Quick Start Checklist - Get the ultimate quick start checklist so you can apply these learnings to your brand in under 7 days.Black Friday and Cyber Monday are right around the corner, and many beauty brands are feeling the pressure. Lauren Schwartz, Head of Creative Strategy at Tier 11 and founder of The Loft 325, joins me today to discuss how beauty brands can still make the most out of these significant days. Lauren shares her experience and proven strategies to help beauty brands thrive in this competitive season. We talk about creative hook strategies, bundle offers, and the best ways to connect with your audience.It's not too late! You can still make this holiday season your most successful yet. Lauren's expert advice will help you maximize your sales potential, avoid profit pitfalls, and turn BFCM into your biggest revenue days of the year!In This Episode:- Meet creative strategist, Lauren Schwartz- The "cheat code" for Black Friday and Cyber Monday sales- Bundle strategy vs discounts: avoiding profit pitfalls - How to create a bundle for BFCM- Multiple bundle strategy vs site-wide sales - What is the best discount price for BFCM bundles?- How aggressive should you be when using bundles for LTV growth?- Tips for creative hooks for beauty brands- Understanding holiday hooks: subtle vs in-your-face approaches - Black Friday and Cyber Monday webinar previewListen to This Episode on Your Favorite Podcast Channel:Follow and listen on Apple: https://podcasts.apple.com/us/podcast/perpetual-traffic/id1022441491 Follow and listen on Spotify:https://open.spotify.com/show/59lhtIWHw1XXsRmT5HBAuK Subscribe and watch on YouTube: https://www.youtube.com/@perpetual_traffic?sub_confirmation=1We Appreciate Your Support!Visit our website: https://perpetualtraffic.com/ Follow us on X: https://x.com/perpetualtraf Connect with Lauren...

Why are so many chasing $10M exits when $3-4M plus a paid-off house might be the real freedom number? Should you be betting big on Bitcoin in 2025, and did we miss out on a massive opportunity 9 years ago? And if you're “unemployable,” is that a badge of honor... or a red flag? This week, Dan and Ian crack open the reality behind location-independent entrepreneurship: from sipping wine in Europe (and still gaining weight) to navigating whether your side hustle cash flow can really replace that W-2 paycheck. LINKS Join Dynamite Circle and hang out with us in Bangkok in October (https://dynamitecircle.com/dc-black) Connect with 7+ figure founders and join us in NYC this December (https://dynamitecircle.com/dc-black) The episode that could have made us $1.6 million (https://tropicalmba.com/episodes/bitcoin) @levels.io's investment portfolio (outperforming the S&P 500) (https://levels.vc) BowTied Bull's article “Think Twice After You Make It” (https://bowtiedbull.io/p/think-twice-after-you-make-it) This week's sponsor: spp.co “Your billing, onboarding & projects in one client portal” (http://spp.co) 22 FREE business resources for location-independent entrepreneurs (https://tropicalmba.com/resources) CHAPTERS (00:00:00) Intro (00:01:44) What percentage of W-2 Income is Small Biz income worth? (00:13:48) This Week's Sponsor: SPP.co (00:15:12)  Are Entrepreneurs Truly Unemployable? (00:18:34)  “Financially Cozy” Level of Wealth (00:26:18) Europe for the summer: overrated, underrated, or properly rated? (00:27:26) Company news CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: The Changing Landscape of SEO and the Influence Equation (https://tropicalmba.com/episodes/changing-landscape-seo) What is the Michael Jordan of Business Models? (https://tropicalmba.com/episodes/michael-jordan-business-model) “When is my LTV good enough?” + Founder Mode for Bootstrappers (https://tropicalmba.com/episodes/ltv-good-enough)

Today we are talking about a deal we recently raised for, mostly so you can understand some of the things that happen behind the scenes and why we decided to have this be our first syndication for 2025.Read this episode here: https://tinyurl.com/2km2c2k9Why did it pass our test besides the fact that these partners have a great track record and having exited 4 deals with them?1. Low vacancy. There is a shortage of small bay industrial in the Phoenix market, people have been building large bay industrial. For the small tenants that need a smaller space, the available inventory is very low.2. Leases expiring and below market. A lot of the tenants had their lease expiring during our ownership, and the vast majority is below market, one of the largest tenants in the property with the biggest rent upside, already decided to not renew. We underwrote them not renewing a year from now, and they are significantly below market.3. IG Leases. All of the tenants except one are on industrial gross (IG) leases. We are converting all of the tenants to NNN leases. This will also increase the bottom line for our investors.4. Prohibited cost to build. Besides the market having very low vacancy, the vast majority of tenants being between 30 to 70% below market, and the leases expiring in the next 24 months, small bay industrial is cost prohibited to build. It costs more to build than the rents that you're going to get. We are purchasing the property at a significant discount to replacement cost. The property was built in 1999 and it looks really good.5. Location. The property has freeway visibility and is right next to the freeway exit.6. Market. Phoenix is a phenomenal market. It has a 16% population growth since 2010, a job growth of 45 to 50% since 2010. The personal income tax is very low at 2.5%. They're exploding in terms of plants, campuses, and jobs being created in the area. There is a $65 billion chip plant being created next to the property. There is a $20 billion Intel expansion. These are all creating jobs, which is always a great sign of a phenomenal market to be in.Final ThoughtsThe raise took a little bit longer than what we thought it was going to take. We did not finish the entire raise and still have a couple million to go, however, we did manage to close on the property and the couple million that we have to go is mainly for reserves, so that still needs to be finalized.Commercial Real Estate Tips Learned Recently:Turn expense into income: e.g., rent dumpster out.You can open a Senior Living home in any state if one tenant has a disability due to the ADA / Fair Housing Act.Always over-raise in case investors don't send funds.If a deal blows up, attorney often refunds fees (to keep you as a client).When you refinance, you don't pay taxes. This means you can cash out of a property, or get a line of credit, and buy another property without paying taxes on that down payment. Make sure you are comfortable with the LTV's when you cash out.Interest rates are always negotiable, you can get ~0.25% interest rate break if you open a checking/savings with lender.When developing a property from the ground up, always assume that the piece of land has all of these: endangered species, wetlands, easements, utility issues, trees – until proven otherwise. This means you need to get all of these reports and surveys done (amongst many other things)) before purchasing a piece of land for development.Join our investor club here: https://montecarlorei.com/investors/

TakeawaysLa preparación anticipada es clave para el éxito en el peak season.El contenido y la repetición son fundamentales para la visibilidad de la marca.Entender la psicología del consumidor ayuda a crear mensajes efectivos.El precio debe ser justificado por el branding y la calidad del producto.Las métricas como LTV y CAC son esenciales para evaluar el negocio.El marketing interno permite un mayor control sobre la estrategia.Consumir contenido y aprender constantemente es vital para el crecimiento.La construcción de una marca sólida requiere tiempo y esfuerzo.Las campañas de descuentos pueden ser efectivas si se utilizan estratégicamente.La colaboración con freelancers puede ser una buena estrategia para escalar.Sound Bites""La clave es repetir ese mensaje una y otra vez.""""La psicología humana es la clave del marketing.""""El contenido está ahí afuera, consúmelo.""Chapters00:00Preparativos para el Peak Season02:52Experiencias de Emprendimiento y Estrategias06:00El Arte del Marketing y la Influencia09:07Creación de Contenido y Disponibilidad Mental12:06Psicología del Consumidor y Mensajes Efectivos15:08Estrategias de Lanzamiento y Presupuesto17:46Principios Básicos del Marketing y Pricing27:53Estrategias de Precios y Ventas33:33Métricas Clave en E-commerce46:21Marketing Interno vs. Agencias55:19Modelos de Agencia en E-commerce56:17Consejos para Crecer una Marca57:42Recursos para Aprender y Crecer01:01:15Dinámicas y Regalos para Participantes Recursos mencionados en este episodio:

On the podcast I talk with Eric about how measurement dysfunction paralyzes growth, why diversifying channels for the sake of diversification actually hurts performance, and the futility of trying to interpret why ads win.Top Takeaways:

Industrial syndicator Joel Friedland joins Paul Shannon to share 40 years of Chicago lessons and why he now buys with little to no debt. They break down a debt-light playbook, how that changes capital raises and returns, and the investor profile that prefers sleep-at-night income. Joel also details his off-market system, what makes a “perfect” small-bay building, and how he creates liquidity and plans succession. Key Takeaways: Debt-light strategy: target 0 to 30 percent LTV, current portfolio around 18 percent Buy box: Chicago small-bay under 40k sf, 7 to 8 percent entry yield, triple-net, strong geometry, docks, power Return drivers: cash coupon that grows with rent, long holds, depreciation and recapture awareness Sourcing and liquidity: door-to-door outreach, mini fund closes fast then syndicate, investor exits via assignments, 754 step-up, Rule 144 after 12 months Sponsor vetting: ask for a written succession plan and review loan docs, covenants, and recourse Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Remember that past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any of the advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

CMO Confidential — “What Your CFO Wants to Tell You (But Won't)” with CNA CFO Scott LindquistWhat does a great CFO really think about marketing? Mike Linton sits down with Scott Lindquist—CFO of CNA Financial and former long-time CFO of Farmers—to decode the finance side of brand building, performance spend, and the politics of the boardroom. They cover how CMOs should onboard a new CFO, why “marketing math” wins over skeptics, mistakes to avoid in board presentations, and how insurers used bold brand bets to become category killers.What you'll learn • The four archetypes of CFOs—and how to work with each • Why CFOs who are “joined at the hip” with the CEO think differently about growth • How to explain cost of capital and present value like a marketer (and win budget) • The insurance playbook: brand investment, DTC distribution, and lifetime value • Why every large marketing org needs a Marketing CFO (and how to set it up) • Boardroom pitfalls: jargon, 100-slide decks for 20 minutes, and “draining the slide” • Practical tips for building trust: bring the data, surface bad news early, and speak in outcomesGuestScott Lindquist — Chief Financial Officer, CNA Financial. Former CFO, Farmers Insurance. Started at PwC and has led finance through growth, turnarounds, and public-company scrutiny.HostMike Linton — Former CMO of Best Buy, eBay, and Farmers; former CRO of Ancestry. Host of CMO Confidential, the #1 CMO show on YouTube.Who should watchCMOs, CEOs, CFOs, board members, founders, and marketing leaders who need tighter finance alignment and clearer ROI storytelling.Brought to you by TypefaceLegacy marketing tools weren't built for AI. Typeface is the first multimodal, agentic AI marketing platform that turns one idea into thousands of on-brand assets—across ads, email, and video—while integrating with your MarTech stack and meeting enterprise-grade security needs. See how brands like ASICS and Microsoft accelerate content at scale: typeface.ai/cmo.—If you're enjoying the show, please like, comment, and subscribe. New episodes every Tuesday; companion newsletter with the top insights every Friday.#CMOConfidential #CFO #MarketingROI #BrandBuilding #B2BMarketingCMO Confidential, Mike Linton, Scott Lindquist, CNA Financial, Farmers Insurance, CFO, CMO, marketing CFO, finance and marketing alignment, cost of capital, present value, marketing math, LTV, lifetime value, CAC, board presentations, brand valuation, insurance marketing, DTC insurance, Geico, Progressive, performance marketing, media spend, marketing ROI, budgeting, enterprise marketing, MarTech, agentic AI, Typeface AI, ASICS, Microsoft, PwC, executive leadership, C-suite, category strategy, growth strategy, B2B marketing, B2C marketing, onboarding a CFO, sponsorships, vendor management, marketing governance, data-driven marketing, brand building, boardroom communication, enterprise security, AI marketing platformSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

SD322 - Médico, Quando é hora de abrir seu Próprio Consultório? Neste episódio, Dr. Lorenzo Tomé apresenta um Guia Prático de indicadores financeiros para ajudar você, médico, a tomar decisões diante de dúvidas como se deve continuar pagando % de uso em espaço de terceiros, atender por convênio ou ter seu próprio espaço. Ele traz 7 indicadores que devem ser considerados na sua avaliação como ticket médio, margem de contribuição, ponto de equilíbrio. Assista, conheça e faça deles aliados poderosos na sua tomada de decisão. O podcast Saúde Digital te ajuda a abrir a mente? Dois dias de imersão com a gente pode potencializar isso ainda mais e fazer muito pelo seu negócio médico. Garanta sua vaga com 10% de desconto na Imersão da SD Escola de Negócios Médicos nos dias 29 e 30 novembro/2025. Só clicar AQUI. Participe das comunidades SD Conecta. Acesse AQUI! Baixe nosso app: Android ou IOS O Background do Lorenzo Casado com a Natália e pai de 3 filhos, Lorenzo é médico, Cofundador e CEO da SD Conecta e SD Escola de Negócios Médicos, host do 1º podcast do Brasil a apresentar tecnologias para médicos e que está no ar desde maio de 2018. Ele é Professor de Medicina Digital na Faculdade de Medicina São Leopoldo Mandic, fez Mestrado e MBA em negócios nas melhores escolas de negócios do país, é Internship no Hospital Center University de Rouen - França entre várias outras atividades.  Assista este episódio também em vídeo no YouTube no nosso canal Saúde Digital Podcast: AQUI! Acesse os Episódios Anteriores! SD321 - Accountability do paciente: a nova fronteira do tratamento médico SD320 - Médico, comece primeiro, depois fique bom! SD319 - Como treinar sua secretária para vender mais e com ética Music: Fireworks| Declan DP "Music © Copyright Declan DP 2018 - Present. https://license.declandp.info | License ID: DDP1590665"

On this episode of Next Leve CRE, Matt Faircloth interviews Robert Martinez. Robert walks through building Rockstar Capital from post-recession Class B/C roots to a Houston-centric portfolio, why he now underwrites conservatively (e.g., ~65% LTV, stress-tested exits), and how inflation, insurance spikes, and rates forced operators to sharpen fundamentals. He shares his “make them stay” playbook—prioritizing AC/boilers and quality turns, adding Amazon-style lockers and in-unit laundry, converting security deposits into monthly “deposit-alternative” fees, in-housing services like valet trash/landscaping, and tightly monitoring online reviews via J Turner—plus why he prefers self-management and geographically clustered assets in Houston's suburbs near strong schools. He also details staff-first KPIs (occupancy/delinquency discipline), lessons from a short-lived third-party management experiment, and buying back long-held, well-understood assets rather than chasing heavy value-adds Visit https://www.bestevercre.com/rockstar for get Rockstar Capital's FREE NOI Boosters Guide Robert Martinez Current role: Founder & CEO, Rockstar Capital (multifamily owner-operator). rockstar-capital.com Based in: Houston, Texas. rockstar-capital.com Say hi to them at: robertmartinez.com| Instagram: @apartmentrockstar| Rockstar Capital contact Visit investwithsunrise.com to learn more about investment opportunities.  Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've been living under a rock, you might have missed Alex Hormozi's record-breaking launch of his latest book $100M Money Models (yep, reps from Guinness World Records were there to verify.) One of the most prominent internet business gurus of our time, Alex's marketing and launch strategies paint a vivid picture of the power of “the influence equation.” Love him or hate him, his journey is inspiring for all entrepreneurs. Here are 5 takeaways from the launch, specifically for bootstrappers in the trenches. LINKS This week's sponsor: spp.co “Your billing, onboarding & projects in one client portal” (http://spp.co/) Alex Hormozi's $100M book series (https://www.acquisition.com/books) Dan's book “Before the Exit” (https://www.amazon.com/Before-Exit-Thought-Experiments-Entrepreneurs-ebook/dp/B07BN2KD1J) “The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life” by Nick Maggiulli (https://www.amazon.com/Wealth-Ladder-Proven-Strategies-Financial/dp/0593854039) Nick Maggiulli's interview on the Afford Anything Podcast (https://podcasts.apple.com/ph/podcast/nick-maggiulli-the-wealth-ladder-has-six-rungs-and/id1079598542?i=1000719716621) 22 FREE business resources for location-independent entrepreneurs (https://tropicalmba.com/resources) Meet the world's most generous global entrepreneurs inside Dynamite Circle (https://dynamitecircle.com/) Connect with 7+ figure founders like Allen inside DC BLACK (https://dynamitecircle.com/dc-black) CHAPTERS (00:00:00) Intro (00:01:07) $87M in 8 Hours: Hormozi's Record-Breaking Launch (00:06:05) Takeaway #1: The Power of the Influence Equation (00:11:53) Takeaway #2: Three Types of Media Strategy (00:14:35) This Week's Sponsor: SPP.co (00:15:53) Takeaway #3: Choose Your Extreme (00:18:40) Takeaway #4: Aggressively Do the Hardest Thing (00:20:06) Takeaway #5: Risk - The Secret to Stratospheric Wealth (00:25:08) Final Thoughts: The Corner Office Test CONNECT: Dan@tropicalmba.com Ian@tropicalmba.com Past guests on TMBA include Cal Newport, David Heinemeier Hannson, Seth Godin, Ricardo Semler, Noah Kagan, Rob Walling, Jay Clouse, Einar Vollset, Sam Dogan, Gino Wickam, James Clear, Jodie Cook, Mark Webster, Steph Smith, Taylor Pearson, Justin Tan, Matt Gartland, Ayman Al-Abdullah, Lucy Bella. PLAYLIST: The Changing Landscape of SEO and the Influence Equation (https://tropicalmba.com/episodes/changing-landscape-seo) What is the Michael Jordan of Business Models? (https://tropicalmba.com/episodes/michael-jordan-business-model) “When is my LTV good enough?” + Founder Mode for Bootstrappers (https://tropicalmba.com/episodes/ltv-good-enough)

This week, Rob B is joined by Kelly from Sirius Finance to tackle the big mortgage questions on every investor's mind. From product ranges to market predictions, she shares her expert insights and top advice for navigating today's property market.  (1:21) - A quick overview of the current mortgage market   (2:58) - Kelly's rate cut predictions  (4:40) - The best product ranges for investors  (8:19) - The return of 80% LTV mortgages  (10:39) - What would Kelly do?  (13.49) - “Further advances” explained  (15:16) - Are we out of the down valuation slog?  (17:05) - How are investors adjusting their strategies as rates fall?  (20:08) - Kelly's top advice for investors navigating the current market  Links mentioned: Kelly Rule, Senior Associate, Sirius Finance  https://siriusfinance.co.uk/  kelly.rule@siriusfinance.co.uk  Enjoy the show?  Leave us a review on Apple Podcasts - it really helps others find us! Sign up for our free weekly newsletter, Property Pulse Find out more about Property Hub Invest

Keith discusses the impact of political rhetoric on mortgage rates, emphasizing the importance of central bank independence.   President of Ridge Lending Group and GRE Icon, Caeli Ridge, joins in to explain the benefits of 30-year mortgages over 15-year ones, advocating for extra principal payments to be reinvested rather than accelerating loan payoff.  They also cover the potential effects of Fannie and Freddie going public, predicting higher mortgage rates. Caeli Ridge elaborates on cross-collateralization strategies, highlighting the advantages of commercial blanket loans for real estate investors.  Resources: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Show Notes: GetRichEducation.com/568 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:   Keith Weinhold  0:01   welcome to GRE I'm your host. Keith Weinhold, the President has called the Fed chair a dummy and worse. How does this all affect the future of mortgage rates? Also, I discuss 30 year versus 15 year loans. Can you bundle multiple properties into one loan? Then how Fannie and Freddie going public could permanently increase mortgage rates today on get rich education   Keith Weinhold  0:28   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key 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   Speaker 1  1:14   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  1:24   Welcome to GRE from Pawtucket, Rhode Island to Poughkeepsie, New York and across 188 nations worldwide. I'm your host. Keith weinholdin, this is get rich education, not to inflate a sense of self importance, but each episode is an even bigger deal than a New York Jets preseason football game. You might have thought you knew real estate until you listened to this show, from street speak to geek speak. I use it all to break down how with investment property, you don't have to live below your means. You can grow your means as we're discussing the mortgage landscape this week. You know, I recently had a bundle of my own single family rental homes transfer mortgage servicers from Wells Fargo over to Mr. Cooper. And that was easy. I didn't have to do anything. The automatic payments just automatically transferred over. And yes, Mr. Cooper, it's sort of a funny sounding name that you don't exactly see them putting the naming rights on stadiums out there, but the new servicer prominently wanted to point out the effect of me making extra $100 monthly principal payments and how much in interest that would save me over time, sort of suggesting that it would be a good idea for me to do so. Oh, as you know, like I've discussed extensively, extra principal pay down is a really poor use of your capital. It's a lot like how in the past, now you've probably seen it like I have, your mortgage company promotes you making bi weekly payments all year, so you'd effectively make some extra principal pay down each year. That way. Don't fall for it. Banks promote biweekly payments because it sounds borrower friendly, it encourages an earlier loan payoff. Well, that actually reduces lender risk and increases your risk. And the whole program can come with extra fees too. It just ties up more of your money in something that's unsafe, illiquid, and with a rate of return that's always zero, since that's exactly what home equity is. As we're about to talk mortgages with an expert today, I will be sure to surface that topic. We'll also talk about the housing market effect of a president firing a Fed chair. When you're living under the rule of a president that desperately and passionately wants lower interest rates, you've got to wonder what would happen if a president just had the power to go lower them himself, which is actually what most any president would want to do, but you almost don't have to wonder what would happen. You can just look at what actually did happen in Turkey. Now, yes, Turkey already did have an inflation problem, worse than us, for sure, but Turkish President Erdogan went ahead and lowered Turkey's interest rates despite persistent inflation. I mean, that's a situation where most would raise rates in order to combat inflation. Well, lowering rates like that soon resulted in substantially higher inflation to the tune of almost 60. Yes, six 0% per year before cooler heads prevailed and the Turkish government was forced to drastically raise rates. But it was too late. The damage was already done to the reputation of Turkey's economy and its everyday citizens and consumers. I mean, that was a painful, real world example of how critical central bank independence is. You've also got to ask yourself a question here, do you really want to live in the type of economy where we would need a bunch of rate cuts? Because when rate cuts happen, it usually results from the fact that people are no longer employed, or we're in a recession, or financial markets are really unstable. So there are certainly worse maladies out there than where we are today, which is with moderate inflation, pretty strong employment and interest rates that are actually a little below historic levels. I mean, that is not so bad. Before we talk both long term mortgage lessons and more nascent mortgage trends today coming up on future episodes of the show here, a lot of info and resources to help you build wealth as usual. Also an A E TELEVISION star of a real estate reality show will make his debut here on GRE.    Keith Weinhold  6:24   Hey, do you like or even live by any of the enduring GRE mantras, like, Don't live below your means, grow your means, or financially free, beats debt free, or even, don't quit your Daydream. Check out our shop. You can own merch with sayings like that on them, or simply with our GRE logo on shirts and hats and mugs. And I don't really make any income from it. The merch is sold at near cost, and it actually took a fair bit of our team's time to put that together for you. So check out the GRE merch. You can find it at shop.getricheducation.com that's shop.getricheducation.com   Keith Weinhold  7:18   today we're talking to the longtime president of ridge lending group. They specialize in providing income property loans to real estate investors like you, and she's also a long time real estate investor herself. I've shared with you before that ridge is where I get my own loans. They've worked with 10s of 1000s of real estate investors, not just primary residence owners, but real estate investors as well as homeowners all over the country, and at this point, she's like a GRE icon, a fixture regularly with us since 2015 Hey, welcome back to get rich education the inimitable Chaley Ridge,    Caeli Ridge  7:54   ooh, Mr. Keith Weinhold, thank you, sir. So good to see you, my friend. Thanks for having me   Keith Weinhold  8:00   opening up that thesaurus tab right about now, I think maybe JAYLEE, why don't we have the chat everyone wants to have? Let's discuss interest rates, starting with the vitriol from Trump to Powell has reached new heights. This year, Trump has called Powell a numbskull, Mr. Too late, a real dummy, a complete moron, a fool and a major loser, among other names. And you know, at times, I've seen Realtors even blasting Jerome Powell for not cutting rates. Well, the Fed doesn't directly control mortgage rates, and it's also not the Fed's job to boost Realtors summer sales. It's to protect the long term stability of the US economy. Tell us your thoughts.    Caeli Ridge  8:48   So this is a rather complicated topic, okay, and there's a lot that under the hood that goes into how a long term mortgage bond interest rate is going to go up or going to go down. As you said, it's not necessarily just the Fed and the fed fund rate, which, by the way, for those that are not familiar with this, the fed fund rate is the intra daily trading rate between banks. So while there is a connection between that and that of the 30 year long term fixed rate mortgage, they are not the same thing. And in fact, statistically, I believe I read this last week, the last three fed fund rate reductions did the opposite to long term rates, right? So we went the other direction. So please be clear that the viral, as you say, of President Trump and what his opinions are about Mr. Powell and his decisions to keep that fed fund rate unchanged for the last several meetings that they've had, I think, is more of a distraction, but that's another conversation overall. I would say that, is he too late? Is he right on time? You know, there's so much data and so many data points that they're looking at, and there's this thing in the industry called a Lag that, in truth, they're not getting the actual data points that they need real time. It's lagging, so the data that's coming out to them today isn't going to be what's relevant and necessary to make changes tomorrow, next month and next week. Most recently, you probably saw in the news the BLS Bureau of Labor and Statistics and the jobs report came in far under what the expectation was. So that might have been the catalyst. I think that will drive Powell and group to reduce that is the overwhelming expectation that the fed fund rate is going to come down by how much. We don't know. Secondary markets are already baking that in, by the way. So when we talk about long term interest rates, I'm starting to see some changes on the day to day. I get access to that stuff, and I'm looking at it daily, the ticker tape of where the treasury bonds and things are. So I'm starting to see some slight improvement to interest rates in preparation of that market expectation, interest rate on the fed fund level will probably reduce. But I think overall, Keith that the Fed is in a really difficult position, because when you think about what really is going to drive the fed fund rate, and then potentially the long term rate, is counterintuitive to what most people or consumers expect, right? They think if the fed fund rate reduces by a quarter of a percentage point, then a long term 30 year fixed should probably reduce by the same amount. It does not go hand in hand like that. Now, while there are trends right, that doesn't happen that way, and more often than not, the worse our economy is doing, the better a 30 year interest rate will be. So in my industry, I'm kind of always playing on the fence, thinking I don't want anything bad for our country and the economy. However, the worse it does, the better interest rates are going to become. And if you've been paying attention, the economy is in decent shape. We're not doing that bad. Inflation is still up, so the metrics that they're using to kind of gage and predict that lag and where we're going to be are not in line to say that interest rates are going to drop a half or a point or a point and a half in the next year to 18 months. Those signs are not out there for me. All of that said, I know that interest rate is top of mind for I mean, I'm on the phone all day long. I like that part of my job where I'm still interfacing with investors on day to day. Big chunk of my day is spent talking to clients, and that is one of the top questions, probably one of the first questions that come out of their mouth, where interest rates? What are interest rates? And what I have sort of started to really form and say to that question is, if interest rates are the catalyst to your success in real estate, you probably need to do a little bit more research, because interest rates should not be the make or break for your success. Well, as a real estate investor   Keith Weinhold  12:45   the Fed has a dual mandate of maximum employment and stable prices. Inflation, though still somewhat elevated, has stayed about the same the past few months. History shows us that the Fed is more comfortable with inflation floating up than they are with suppressed employment levels. To your point about recent reports about us not adding many jobs, and the Fed being concerned about that, the translation for those that don't know is, if the job market is weak, lowering rates, which is what increasingly people think they tend to do later this year. Lowering rates helps encourage businesses. It's more likely that businesses will borrow and expand and hire more people. Therefore, if rates are low now, whether that translates into a lower mortgage rate or not, by lowering that fed funds rate? Yes, there is that positive correlation. Generally, the lower the Fed funds rate goes, the lower mortgage rates tend to go although that isn't always the case. To your point. Shailene, late last year, there were three Fed funds rate cuts, and mortgage rates actually went up, which is somewhat of an aberration that usually doesn't happen that way, but that's the environment we're in. Most people think Fed rate cuts are coming later this year.   Caeli Ridge  14:04   Yeah. And I would say, you know, the other thing too, when we talk about the pressure that the Fed is under right now, specifically, Powell, he's being attacked, fine, and whether I agree or disagree, really important for listeners to understand that the indifference that the Fed is supposed to have right bipartisan, it's not supposed to have a dog in that fight. If it did the calamity, I think what would happen economically in this country would be devastating if other economic powers were to see that our particular financial institutions are swayed one way or another. Politically, that would be devastating to us. So I think Powell has done a decent job at staying the course. He's continued to do what he says, says what he does. So so far, I'm okay. Is he late to reduce rates? I don't know that I'm qualified to say that, maybe. But at the same time, I think that his impartiality has been consistent, and that for that part of it, I'm. Grateful   Keith Weinhold  15:00   for those who don't understand if Trump just told Powell what to do and Powell followed Trump's orders, how does that devastate the economy?    Caeli Ridge  15:09   It shows partiality to or Fieldy to one particular party, right? It's not an independent institution where financial policy quantitative easing, quantitative tightening, all of those different things that are necessary to keep the pistons pumping. It isn't it's very specific to Fieldy and the leader of telling based on potentially ego or other elements that have not a lot to do with fiduciary responsibility.   Keith Weinhold  15:37   If Powell did everything Trump said, I feel like we would have negative interest rates right now   Caeli Ridge  15:43   that could be a problem, especially if the economy and inflation is on the rise, and then you get the tariffs. I mean, there's so much layering to this. I mean, we could go on and on about it, but overall, let me close with this. I think that interest rates are probably on the run, if I had to guess. Now, there's all kinds of variables that could make that statement untrue, but overall, in the next year to two years, I do think we'll see some relief in interest rates, barring any major catastrophe. But again, investors, if your success, if you're tying your real estate portfolio, your real estate investing, whatever modality you're interested in, if you're tying that to an interest rate, and there's a certain number that you have ethereal in your mind, you're going to lose your success in real estate. Interest rate is a component of it, but it should not be tied to your success or failure. You should be able to do the math and look at the differences in real estate opportunities, investment, whether it be long term, short term, midterm, single family, two to four appreciation, cash flow, all those things should be considered, and you will find adequate returns independent of an interest rate. If you're diversifying that way   Keith Weinhold  16:49   there is more evidence that Americans have warmed up and gotten somewhat used to normal mortgage rates. This normalization of mortgage rates, they are pretty close to their historic norms. In fact, a recent housing sentiment survey done by turbo home found that in q1 of this year, 41% of homeowners surveyed said that a 6% mortgage rate was the highest they would accept on their next purchase. Right that was back in q1 today, up from 41%, 52% of respondents now say a 6% mortgage rate is the highest that they would accept. Evidence that people are warming up and normalizing this.   Caeli Ridge  17:30   The other thing too is the pandemic rates. Right? That's been a very hard shell to crack. The people that got these two and 3% interest rates during 2020 2021, part of 22 they're really reticent to let those go, and I think that they're doing themselves a disservice as a result. If you can get a second lean HELOC, okay, fine, but overall, if you're just going to let that untapped equity sit, it's going to be to your disadvantage. If you have any desire to increase your portfolio and your long term financial stability and wealth   Keith Weinhold  17:59   you're listening to get rich education. Our guest is Ridge lending Group President Cheley, Ridge much more when we come back, including 30 year versus 15 year loans. Which one is better and more things that the administration is doing to shake up the mortgage market. I'm your host. Keith Weinhold.    Keith Weinhold  18:15   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Cheley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  18:46   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 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family to 66866,   Rick Sharga  19:58   this is Rick sharga housing market. Intelligence Analyst, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  20:05   Welcome back to get rich Education. I'm your host, Keith Weinhold. We're talking with a familiar guest this week. That's Ridge lending Group President, Caeli. Ridge wealth is built through compound leverage faster than compound interest. And leverage means using loans. I think most everyone the first time in their life they look at loan amortization tables and learn things like, oh, with a 15 year loan, you pay substantially less interest, perhaps hundreds of 1000s of dollars less interest with a 15 year loan and its lower mortgage rate than you do with a 30 year loan and its higher mortgage rate. But a lot of people don't take that next step and look that Oh, rather than paying down my home loan with extra principal payments, if I just invested the difference, I would be substantially better off down the road. So in a lot of cases, the more sophisticated investor chooses that longer loan duration, the 30 year. That's the way I see it. What do you see? Most of your prefer there.   Caeli Ridge  21:12   It's one of my favorite topics to cover, because there's quite a few layers that I think can all connect. If an individual wants to pay less in interest very easily, I'm going to strenuously advise them to take a 30 year over a 15 year and just simply apply the difference. So let's just start with the applicable version of 15 versus 30 and how it can benefit or harm. Because this is what a lot of times people that go for the 15 year and wanting to pay less in interest. Don't understand, and it's never been delivered to them in a reasonable way, I guess. So just looking at those two, and then we'll get to the strategy of potentially reinvesting those dollars elsewhere. But just look at a 30 year and a 15 year. I am a massive deterrent against a shorter term amortization. I hate a shorter term amortization, because all that's going to do to the individual is limit their ability to qualify later on down the road. And the reason for that is, is that the shorter term, as you had described, is going to yield a higher monthly payment. So when we pull credit for an individual, that's a higher monthly payment that the debt to income ratio has to support, when in fact, if we simply just look at the two side by side, 15 year and a 30 year equal, equal loan sizes. The 15 year is going to have a lower interest rate. It's true, but the amortization is obviously half the amount. We've gone from 360 months, 30 years to 180 months, 15 years. So the payment obviously is going to be much, much higher if you take the payment difference between those two mortgage products and apply it with a 30 year fixed payment. Let's just call it 500 bucks a month, whatever the number is, and you are disciplined to send that extra 500 bucks every single month with your 30 year fixed mortgage payment. You will cross the finish line in 15.4 years, I think, is the average when you run the amortization, so you'll pay a few extra months worth of interest, but whatever, you'll never pay the higher interest that the 30 year has locked at because you've accelerated the payoff of the debt so quickly, and you've maximized your debt to income ratio and future qualifications never take the shorter term amortization. It is to your greatest disadvantage. I hate them. That's part one. Did you have a comment? I can see that your wheels are spinning.   Keith Weinhold  23:24   That is a great answer. If you get the 30 year loan instead of the 15 if you apply an extra principal payment, whatever it would be, call it 500 plus dollars, that you will kill off that loan, that 30 year loan in something like 15.4 years. Yes, and you'll have the lower payment amount for your qualification, going forward, you'll have more flexibility in your life. That's great. I didn't realize the difference 15.4 versus 15 was that small? That's a great takeaway.   Caeli Ridge  23:50   Yeah, absolutely. And the other piece, you kind of just hit on it, the individual's feet are not held to the fire at that higher payment. So let's say it's a rental, okay, whatever. It goes vacant for a month, or a couple months, God forbid, or whatever may be happening. You now get to choose. You are not obligated at that higher monthly payment. You can say, Okay, this month, I'm not going to pay the extra. I don't da, da, da. It's all within your control. So you're killing like four birds with one stone. I really prefer the 30 year amortization for all those reasons. So now let's take it and move into how I believe, and I agree with your philosophy, taking those dollars and applying them, because when we talk about mortgage interest, especially on investment property, okay, it's probably a slightly different conversation when we're talking about somebody's primary residence, home, but for an investment property to take that difference and apply it toward another investment, because the interest remember, you guys, we're investors. We want that Schedule E deduction, that interest deduction, as money goes a 30 year fixed mortgage, even today, as interest rates are elevated beyond the two and three percents that people somehow fixated on, that that's where interest rates should just be forever. You've got Mass. Amounts of interest deduction, so you're paying less in taxes. For that reason, there's so many reasons to stretch out that mortgage on an investment property versus extinguishing that debt, not to mention, you want to constantly be harvesting equity, ideally, pulling cash out. Borrowed funds are non taxable, deploying them, but then taking that extra cash flow and stockpiling it for another investment, whether that just be the down payment or for other things. I just think there's so many better places that those funds can go to produce more wealth than accelerating the payoff of that debt that's benefiting you, from a tax perspective, and several other ways. There's lots of other ways to apply that money. I   Keith Weinhold  25:43   I often ask, why accelerate the payoff on a, say, 7% mortgage interest rate loan, when instead you can take those savings, reinvest them into other real estate, where it sounds preposterous on its face to think of the rate of return that you can get from an income property, but when you add up all the five ways you're paid, appreciation, cash flow, loan pay down, made by the tenant, tax benefits and the inflation profiting benefit on the long term fixed interest rate debt, a return of 20% plus is not out of the question at all. So if it's 20, why would you pay off extra on a seven? That's 13 points of arbitrage that you could gain there by not aggressively paying down a property and instead making a down payment on another income property. Chaeli, when it comes to these type of questions and accelerating a payoff, why do banks seem to encourage that you make bi weekly payments rather than monthly payments, therefore accelerating your principal pay down.   Caeli Ridge  26:42   I'm not sure the reason behind that. I don't know that I've even seen a lot of that from my lens and my perspective. It's definitely not something I ever comment or preach on. But the overall, what's happening there when you do it the bi weekly, so instead of making $1,000 at the first of the month, you make 500 and then 500 right, middle of them on first of the month. What's happening there is, because of the way the annual calendar goes, it ends up being an extra payment per year, right? I think that's the math. Is, when you do it that way, you end up making an extra payment per year, so you can accelerate. And there's you're not doing anything different, necessarily, to in your cash flow, etc. So I don't think there's anything wrong with it. I don't know what the benefit is to the institution that would in communicate that to its consumer. Yeah,   Keith Weinhold  27:27   Yeah, it ends up being 26 bi weekly payments, which has the effect of making 13 monthly payments in a 12 month year, accelerating your pay down. In my experience, it seems that banks encourage this. They contact borrowers. They've contacted me in the past, laying out a welcome mat. Hey, would you like this plan here? And in my mind, accelerating the payoff. We already talked about how that's typically not a good investment. The more you know about the trade off between loans and equity, really, I'm transferring more of the risk onto myself and less they're onto the bank when I accelerate my payoff. So I agree. I'm not interested in doing that at all.    Caeli Ridge  28:06   You know, maybe Keith, it could be, because I people talk about this a lot, those people, and let's say that there are a group of individuals that might benefit. Let's say they're in phase three, right? They're well into retirement. They just want to start paying off. They're not maybe investing anymore. They just want to leave that legacy, perhaps, or whatever their circumstances are, and they don't want to take additional capital and apply it to the principal and lock up those funds and make them illiquid. So maybe, just as an easy sidebar, they just make two payments month versus one. I get a lot of people asking that question. I mean, over the years, I know that like at the closing table, we'll have clients say, Hey, is the servicer going to be set up to accept bi weekly payments? And a lot of times they don't like SLS. I mean, there's a lot of servicers out there that will not accept or don't have the infrastructure to collect those bi weekly so maybe just as a consumer desire out there, the servicers have gotten wise to it, and they just offer it. I can't think of the reason behind why they would promote that to their database. I don't know.   Keith Weinhold  29:09   Another question that I hear quite often, and probably do as well there is about bundling multiple properties into one loan. Can you tell us about that?   Caeli Ridge  29:20   Yeah, that's called cross collateralization. So we're taking residential property, okay, and putting them into a commercial blanket loan. So any combination of single family, up to four unit, five Plex and above is now considered commercial. So it's got to be single family, condo, duplex, triplex, fourplex, right? It's residential property, and they're taking any combination of that and putting it into one blanket loan, cross collateralizing it. Now, I believe the most incentivized way or desire to want to do this is probably for two reasons. One, to free up golden tickets, right? Golden tickets are those Fannie Freddie loans that we talk about a lot. There are 10 of these per qualified individual, if. If someone has maxed out their golden tickets, let's say they've got 12, 1314, properties, they could take five or 10 or 13, whatever the number, and put them into a commercial blanket cross collateralized loan, as long as it's non recourse. That means no personal guarantee is attached to it. The rule per golden ticket will free up all those spaces. So usually this applies to an individual that has a portfolio that has stabilized. This will usually work when the portfolio has had a couple of years to make sure that you've got your consistent tenants and anything that may come up, repairs, maintenance, et cetera, stabilized portfolios and then putting them into that cross collateralization, because the terms are not going to be the same as just a 30 year fixed Okay, especially if you're going to be looking to take cash out and harvest equity that way, that may be a real opportune time to borrow funds. Borrowed funds are non taxable once again, pull the cash out, put it into a non recourse loan. You've got half a million dollars of capital now that you can then go and get a whole new set of golden tickets for expanding your portfolio. So that's something that we focus on for individuals that have maybe maxed out of that that conventional landscape and or are looking to scale and acquire more properties, but they don't want to necessarily look at some of the DSCR loans. They want to get back into the Fannie Freddie box.    Keith Weinhold  31:22   Yeah, so someone could bundle and get cash out simultaneously, potentially, is there anything else that qualifies or disqualifies one for bundling many loans into one like this?   Caeli Ridge  31:35   It's a commercial underwrite. So they should be aware of that. Now, certainly, we're looking at the individual typically in those loans, the underwriting of those loans, the individual's liquidity and credit are most what we're focusing on, but it's about the property in the portfolio, DSCR, that debt service coverage ratio is a big factor. So we're looking at the income against the monthly expense. Generally. That's going to be the principal, interest, tax and insurance on a commercial basis, they throw in the maintenance, vacancy, et cetera, averages. So you want to see, generally speaking, about 1.2 on those when you divide the incomes and the expenses and then otherwise, yeah, LTV might be a little bit restricted on something like that, 70% usually, maybe you can get as much as 75 if you've got a really strong portfolio. But otherwise, for you, individually, liquidity, some liquidity there, and good credit is what is important. As long as the portfolio is operating at a gain, then you're good to go.    Keith Weinhold  32:32   Yeah, that cross collateralization could be really attractive. Well, Chile, we've been in this presidential administration that has shaken things up like few, if any, prior administrations have. One of those things is that they have pushed for cryptocurrency holdings to be recognized as assets in mortgage loan qualification. Now that's something that would probably pend approval by the FHFA and critics cite volatility. I mean, there's been a pattern where every few years, Bitcoin drops 80% before rebounding, and I'm not exaggerating, and that has happened a number of times. And another administration desire is this potential Fannie Mae Freddie Mac merger, or an IPO an initial public offering. Can you tell us what that's about   Caeli Ridge  33:21   let's start with the crypto first, whether or not this, this gets through the Congress and or FHFA, however, that that develops and becomes actualized, that may be different than what the lending institutions decide to take a risk on, right the allowance of that crypto so it even if it's approved and they say that, Yes, that we can use this for asset depletion or reserve requirements, or whatever it may be. I don't know necessarily that you're going to see a lot of the lending institutions jump on board. I think they'll probably have overlays. It's just kind of the layering of risk on the crypto side to ensure that the asset and the underwrite is less likely to default. I don't see a lot of lending institutions that are probably going to jump on that bandwagon immediately. That's probably going to need more time and consistency with that particular asset class. That's the crypto thing. So that's a TBD on the other side, we're talking about conservatorship. So post, oh 809, right? The housing crash and Dodd Frank, if you've not heard of those names before, they're just the last names of individuals that that rewrote that sweeping legislation across all sectors of finance. Once we saw housing and lending implode upon each other, Fannie Freddie, as a result, went into conservatorship. Now what they're saying, what the administration is saying is, is that they are going to say that the implicit guarantee actually, let me back up really, really quickly. I will not take too much time on this so Fannie Mae and Freddie Mac The reason that those products are the golden tickets, as we call them, and we're just focused on investor products right now is because highest leverage, lowest interest rate. And why is it like that? That's because it has a United States government guarantee. Against default. So this mortgage backed security is bundled up with other mortgage backed securities and sold, bought and sold on the secondary market to investors, foreign and domestic. Right? Investors that are buying mortgage backed securities, they know that that paper is secure. If it defaults. We've got the United States government that's giving us a guarantee against default. So that's why it's such a secure investment. If we come out of conservatorship, technically, that would normally mean that you may not have that implicit guarantee. However, the Trump administration and those that are in that space, FHFA, Pulte and all those guys, they're saying that that guarantee should still apply if that happens, if that's how they release this, I don't see anything wrong if they do it without all of the volatility. You know, let's use the tariffs as an example. It was all over the place. It was there, and then it was gone. It was up, and then it was down. It was 30% then it was two right? It was it was just so much, and the markets really had a hard time with it. And as a result, I think a lot of people lost massive amounts of wealth in the stock market because of that. So I think that there is some real benefits to getting the Fannie, Freddie, the GSCs, government sponsored enterprises, out of conservatorship. I think it just opens up for more fair trade in the market. But they have to do it the right way, and as long as they keep that guarantee, that government guarantee, and then they take their time and apply the steps appropriately, I think it could be a good thing, ultimately, for the consumer. Now, if they don't, it could really have devastating impacts, and I think it could even raise interest interest rates higher. I know Trump and folks don't want that, so I think they're mindful of it. That's just kind of the take I get. But we'll see,   Keith Weinhold  36:42   yeah, because that's my preeminent thought with this. Shaylee, if Fannie and Freddie come out of conservatorship, and there's no government backstop on those loans, it seems like the banks are exposed to more risk, and consequently would have to compensate for that, potentially with a higher interest   Caeli Ridge  36:57   rate. You said it better than I did. Yes, I get too technical when I go down those rabbit holes. That's exactly right. I do not think that they will go down that that path without that implicit guarantee. I expect, if this thing comes to fruition, I expect that that guarantee will be there.   Keith Weinhold  37:13   Yeah, it does seem likely, with as much administration concern as there is about the housing market and the level of mortgage rates and all kinds of interest rates out there. Well, JAYLEE, this has been a great, wide ranging conversation all the way from strategy to what the administration is doing in interfacing with the mortgage market. If someone wants to learn more about you and your products, tell us what you offer, including your very popular all in one loan there at ridge.    Caeli Ridge  37:41   Ooh, thank you for teeing that up. Yeah, especially right now, when people have a lot of concern about interest rates right or wrong, the all in one is a very unique product that removes that fear. It's a way that investors, especially can take control of their equity, pay less in interest, and sometimes hundreds of 1000s of dollars less in interest, while maintaining equity and flexibility and liquidity. Cannot say enough about this product. The all in one. First lien HELOC is my very favorite. For the right individuals, we've talked about it many, many times. They can find us talking about it all over YouTube. You and I have quite a few conversations about that. So that and so much more, guys. So the all in one, you've got the Fannie Freddie's, our debt service ratio products, our bank statement loans, our asset depletion loans, ground up construction bridge loans for fix and flip or fix and hold. We really run the gamut there in terms of loan product diversity. There's very little we can't do for real estate investors. So we're uniquely qualified in that space   Keith Weinhold  38:36   and you offer loans in nearly all 50 states. Now tell us more and how one can get a hold of your company. Yes, we are   Caeli Ridge  38:44   licensed in 49 states. The only state we're not licensed in residentially is New York. We can still do commercial there. But to reach us, you can find us on the web, Ridge lendinggroup.com you can email us info@ridgelendinggroup.com and feel free to call us at 855, 74 Ridge 855-747-4343,   Keith Weinhold  39:04   I'm so familiar with all those avenues because, again, that's where I get my own loans myself. Chaley Ridge has been valuable as always. Thanks so much for coming back onto the show.    Caeli Ridge  39:13   Thanks, Keith.   Keith Weinhold  39:21   A lot of experts believe that stripping Fannie and Freddie's public backing and taking them public, yeah, that that will increase mortgage rates. See, besides there being more risk, like we touched on there during the interview, Fannie and Freddie would face strong incentives to increase profitability, to make an IPO appealing to potential investors, that's just another reason that would probably increase mortgage rates. But if you're the type that truly champions free marketeerism, then the government would get out of Fannie and Freddie and let them IPO, and you would want. To see that happen now you as an investor, you probably resonate with the fact that rather than having to methodically and even painfully save money for your next property, instead you can just borrow funds, tax free, out of your existing property, and that way, you're using more of other people's money, the bank's money, in this case, and less of your own. Similarly, if you avoid aggressive principal pay down well, you would just retain those funds in the first place. As you can see, Chely is really good at taking a deep look at what you've got to work with and helping you lay out a strategy that might make sense, keeping in mind and evaluating your cash, cash flow, equity DTI and loan to value ratios, they offer free 30 minute strategy sessions. You can book one right there on their homepage at Ridge lendinggroup.com Until next week, I'm your host. Keith Weinhold, don't quit. Sure. Daydream.   Speaker 2  41:07   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  41:31   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 pay walls 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 266, 866, while it's on your mind, take a moment to do it right now. Text, gre 266, 866   Keith Weinhold  42:47   The preceding program was brought to you by your home for wealth, building, get richeducation.com.

In this episode, Stephan Livera and Max K discuss the recent Baltic Honey Badger conference, highlighting the shift in focus from institutional adoption to innovative projects like Ark. They explore the workings of Debifi, a Bitcoin-backed lending platform, explaining its marketplace model, loan structures, and interest rates. The discussion revolves around the evolving landscape of Bitcoin lending, focusing on the differences between custodial and non-custodial lending, the future growth of the market, and the implications for borrowers and lenders. Max highlights the trade-offs between security and convenience, the increasing demand for non-custodial solutions, and the potential for lower interest rates as the market matures. The importance of understanding the risks involved in borrowing against Bitcoin and the need for responsible lending practice is emphasized as well. Takeaways

Also available on YouTube: youtu.be/0HHJ5tONfVoMost Shopify store owners are doing growth completely wrong. They're trying to lower ad costs, make prettier websites, and rush customers to buy. Devyn Merklin from X-Scale flips all of this on its head with counter-intuitive strategies that actually work.In this episode, you'll discover why the biggest mistake seven-figure brands make is racing to the bottom on customer acquisition costs instead of learning to outbid competition. Devyn shares how one brand tripled subscription revenue from $6K to $22K MRR in just 45 days using gamification instead of discounts.You'll learn the psychology behind giveaway strategies that actually build qualified prospect lists, why ugly websites convert better than pretty ones, and the empathy-driven approach to customer journey optimization that most brands completely miss.Sponsors:Swym (getswym.com/kurt) – Wishlists & back in stock alertsCleverific (cleverific.com/unofficial) – Smart order editingZipify (zipify.com/KURT) – High-converting sales funnelsKey takeaways include the LTV vs CAC mindset shift that separates big brands from struggling stores, the month 4 subscription churn fix that prevents customer dropout, and why your landing pages are probably bleeding money without you knowing it.If you're tired of following conventional wisdom that doesn't work, this episode reveals the contrarian strategies that actually drive results.Guest: Devyn Merklin, X-Scale (thexscale.com)Links:Apply to work with Kurt: ethercycle.com/applyKurt's newsletter: kurtelster.comFree growth mastermind: thexscale.com

Scott invites Jeremy, founder and CEO of Euka.ai, to tell us how TikTok Shop is transforming e-commerce growth. Jeremy shares how brands are leveraging micro-creators and affiliates to generate viral content, scale sales, and even create a halo effect that boosts demand on Amazon. Together, they unpack why TikTok has become a key driver for brands looking to go from zero to $100M in record time. Scott and Jeremy also discuss how Euka's AI-powered platform helps brands automate creator outreach, re-engagement, and incentive programs to keep affiliates producing high-performing content.   Episode Notes: 00:18 - Jeremy Yaoxin Ding Introduction 02:35 - The TikTok Affiliate Model Explained 05:40 - Yuka's Tools for Brand Success 06:47 - Activating and Incentivizing Creators 09:38 - Category Suitability and Limitations 11:15 - The Evolving TikTok Shop Landscape 12:49 - Managing Creator Saturation 15:58 - TikTok Shop's Halo Effect on Amazon Sales 18:05 - LTV-to-CAC Metric 19:44 - Performance Marketing and Incrementality 20:51 - Where Social Commerce Is Going 23:07 - Practical Steps for TikTok Shop Newcomers   Related Post: How Amazon Sellers Can Use Content Marketing to Increase Sales and Build Brand Authority   How to Reach Jeremy: LinkedIn: linkedin.com/in/jeremy-yaoxin-ding-6bb60554 Website: https://www.euka.ai/about Email: jeremy@euka.ai   Scott's Links: LinkedIn: linkedin.com/in/scott-needham-a8b39813 X: @itsScottNeedham Instagram: @smartestseller YouTube: www.youtube.com/@smartestamazonseller2371 Newsletter: https://www.smartscout.com/newsletter-sign-up Blog: https://www.smartscout.com/blog

Small Bay Industrial (a.k.a. Flex Space) wasn't on your radar—and for good reason.But what if the most overlooked asset class in commercial real estate turned out to be one of the most profitable? In this episode, Cody Payne, SVP at Colliers, breaks down why Small Bay Flex Industrial is quietly exploding—and why more active and passive investors are taking notice. Cody shares how he transitioned from leasing to owning, how syndication plays a role in the space, and why this niche might outperform retail and office over the next decade. Whether you're looking to diversify your portfolio or find a less management-intensive asset, this is an episode you don't want to miss.Key TakeawaysWhy Flex Industrial Is Heating UpThe asset class has evolved: from basic metal garages to glass-fronted multi-use spaces.Demand is surging as small businesses, gyms, e-commerce, and retail users flood in.Triple-net leases and low tenant improvement costs make this a capital-efficient play.How to Add Real Value with Small Bay AssetsSimple cosmetic upgrades (like storefront glass) can attract higher-paying tenants.Reconfiguring larger units into smaller ones can boost PSF rent.Strategic side yards and outdoor storage add ancillary income.Investor Returns: What to ExpectTypical stabilized deals offer 8–10% cash-on-cash returns with low capex.Value-add plays or development deals can push IRRs significantly higher.Cap rates range from 6–8%, depending on market and quality.Management Made SimpleTriple-net leases reduce headaches—tenants handle their own maintenance.Very few after-hours calls; most businesses operate during daytime hours.Easy to find third-party managers who understand this asset class.Syndication in Small Bay: A New FrontierCody's early deals involved rolling his broker fee into equity—low-risk entry point.Syndication works well, especially for stabilized assets or light value-add.Investors like the stability, tenant diversity, and ease of management.Navigating the Market: Deal Flow and FinancingGood deal flow in most metros if your buy box is realistic (e.g., 7–8% cap).Financing is accessible: 25-year terms, 65% LTV, and ~6.25% interest.Banks used to avoid this asset class—now they're chasing it.Connect with CodyWebsiteBook: Flex Space DominationLinkedInConnect with MichaelFacebookInstagramYouTubeTikTokResourcesTheFreedomPodcast.com Access the #1 FREE Apartment Investing Course (Apartments 101)Schedule a Free Strategy Session with Michael's Team of Advisors

In this episode of the Wealthy Way Podcast, Ryan Pineda sits down with Eddie Wilson, an entrepreneur who's exited 76 companies for $1.2 billion, pocketed 9 figures personally, and built a portfolio of over 4,000 rental units. Eddie breaks down how he scaled the Aspire Tour into a marketing machine that spends millions a month to acquire customers for his service-based businesses. He explains why education is just the front-end of a much bigger play, how he uses his Empire Operating System to run 27+ companies efficiently, and why CAC vs. LTV is the ultimate metric for scale and exit.Beyond business, Eddie opens up about what happened after the billion-dollar exit, losing his identity, chasing purpose, and finding fulfillment through his nonprofit work building orphanages and sustainable businesses. He and Ryan discuss faith, stewardship, and the pressure that comes with building at scale. From structuring partnerships and recapitalizing companies, to managing lawsuits and optimizing weekly cash flow, this conversation is a masterclass in how to scale with impact and intention.FULL VIDEO HERE: https://youtu.be/ngQS-PNamo4Learn how to invest in real estate with the Cashflow 2.0 System! Your business in a box with 1:1 coaching, motivated seller leads, & softwares. https://www.wealthyinvestor.com/Want to work 1:1 with Ryan Pineda? Apply at ryanpineda.comJoin our FREE community, weekly calls, and bible studies for Christian entrepreneurs and business people. https://www.wealthykingdom.com/Want to grow your business and network with elite entrepreneurs on world-class golf courses? Apply now to join Mastermind19 – Ryan Pineda's private golf mastermind for high-level founders and dealmakers. www.mastermind19.com--- About Ryan Pineda: Ryan Pineda has been in the real estate industry since 2010 and has invested in over $100,000,000 of real estate. He has completed over 700 flips and wholesales, and he owns over 650 rental units. As an entrepreneur, he has founded seven different businesses that have generated 7-8 figures of revenue. Ryan has amassed over 2 million followers on social media and has generated over 1 billion views online. Starting as a minor league baseball player making less than $2,000 a month, Ryan is now worth over $100 million. He shares his experiences in building wealth and believes that anyone can change their life with real estate investing.