Podcasts about Market

Join us this hour as we visit once again with Doug Smith, an IT insider who also has a solid biblical worldview. Doug will highlight some recent stories about AI that make the Christian ponder the question of whether or not this new technology is a blessing or a curse. Join us for a fascinating conversation.Become a Parshall Partner: http://moodyradio.org/donateto/inthemarket/partnersSee omnystudio.com/listener for privacy information.

Value: After Hours is a podcast about value investing, Fintwit, and all things finance and investment by investors Tobias Carlisle, and Jake Taylor. The Investment Philosophers: Financial Lessons from the Great Thinkers by Ethan A. Everett: https://amzn.to/45S4rnmSee our latest episodes at https://acquirersmultiple.com/podcastWe are live every Tuesday at 1.30pm E / 10.30am P.About Jake Jake's Twitter: https://twitter.com/farnamjake1Jake's book: The Rebel Allocator https://amzn.to/2sgip3lABOUT THE PODCASTHi, I'm Tobias Carlisle. I launched The Acquirers Podcast to discuss the process of finding undervalued stocks, deep value investing, hedge funds, activism, buyouts, and special situations.We uncover the tactics and strategies for finding good investments, managing risk, dealing with bad luck, and maximizing success.SEE LATEST EPISODEShttps://acquirersmultiple.com/podcast/SEE OUR FREE DEEP VALUE STOCK SCREENER https://acquirersmultiple.com/screener/FOLLOW TOBIASWebsite: https://acquirersmultiple.com/Firm: https://acquirersfunds.com/ Twitter: ttps://twitter.com/GreenbackdLinkedIn: https://www.linkedin.com/in/tobycarlisleFacebook: https://www.facebook.com/tobiascarlisleInstagram: https://www.instagram.com/tobias_carlisleABOUT TOBIAS CARLISLETobias Carlisle is the founder of The Acquirer's Multiple®, and Acquirers Funds®. He is best known as the author of the #1 new release in Amazon's Business and Finance The Acquirer's Multiple: How the Billionaire Contrarians of Deep Value Beat the Market, the Amazon best-sellers Deep Value: Why Activists Investors and Other Contrarians Battle for Control of Losing Corporations (2014) (https://amzn.to/2VwvAGF), Quantitative Value: A Practitioner's Guide to Automating Intelligent Investment and Eliminating Behavioral Errors (2012) (https://amzn.to/2SDDxrN), and Concentrated Investing: Strategies of the World's Greatest Concentrated Value Investors (2016) (https://amzn.to/2SEEjVn). He has extensive experience in investment management, business valuation, public company corporate governance, and corporate law.Prior to founding the forerunner to Acquirers Funds in 2010, Tobias was an analyst at an activist hedge fund, general counsel of a company listed on the Australian Stock Exchange, and a corporate advisory lawyer. As a lawyer specializing in mergers and acquisitions he has advised on transactions across a variety of industries in the United States, the United Kingdom, China, Australia, Singapore, Bermuda, Papua New Guinea, New Zealand, and Guam. He is a graduate of the University of Queensland in Australia with degrees in Law (2001) and Business (Management) (1999).

Send us a textWhat if the story you've been telling yourself is what's holding you back?In this episode of The Savvy Scribe Podcast, I had the absolute pleasure of talking with Carrie KC West, bestselling author, speaker, and narrative coach.We talked about everything from overcoming imposter syndrome to owning your unique value, and how the stories we tell ourselves can either hold us back or launch us forward. If you've ever struggled with self-doubt, limiting beliefs, or not knowing how to “market” yourself authentically — this episode is for you.Key TakeawaysHow to recognize and rewrite limiting stories that no longer serve youWhy your voice is your superpower — and how to use it effectivelyWhat somatic signals like stress or burnout are really telling youThe truth about imposter syndrome and how to quiet that inner criticWhy it's never too late to start over or launch something newAbout Carrie KC WestCarrie KC West is a Bestselling Author, Speaker, and Narrative Coach who helps individuals and creatives rewrite the unconscious stories that shape their lives and work. With a Master of Fine Arts in Filmmaking from the American Film Institute and a background in counseling psychology, Carrie blends storytelling, psychology, and somatic tools to support deep personal and professional growth.She's the author of Life Rewritten (March 2025), an international bestseller exploring how story can be used as a tool for healing and clarity. Carrie has worked as a story analyst for film and publishing, and now helps writers, entrepreneurs, and leaders find their voice, reframe limiting narratives, and bring greater alignment to both life and business.Resources & LinksBook: Life Rewritten by Carrie KC WesWelcome to the Savvy Scribe Podcast, I'm so glad you're here! Before we start the show, if you're interested, we have a free Facebook group called "Savvy Nurse Writer Community"I appreciate you following me and listening today. I would LOVE for you to subscribe: ITUNESAnd if you love it, can I ask for a

#642: Curious about how individual stock picking could sharpen your investing skills—even if you're an avid index fund investor? In this episode, Paula Pant sits down with David Gardner, co-founder of The Motley Fool and author of Rule Breaker Investing, to delve into the world of contrarian stock strategies and the mindset behind picking standout companies. You'll explore how evaluating individual stocks can uncover insights that benefit any investor, whether you ever buy a single share or not. Paula and David discuss the value of qualitative analysis—looking beyond spreadsheets to factors like leadership, innovation, and company culture—and reveal what makes a ‘Rule Breaker' stock with Gardner's signature six traits. Whether you're curious about dabbling in stocks or simply want to become a more savvy business thinker, this conversation has lasting lessons. Listeners will learn: Why David Gardner seeks out companies that others consider overvalued, and how contrarian thinking can lead to unique opportunities The six traits that define Rule Breaker stocks, focusing on the qualitative factors that set businesses apart How skills gained from evaluating individual stocks can be applied broadly—to entrepreneurship, career growth, and a deeper understanding of business Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (0:00) Sports team investing analogy (4:20) Individual stocks vs index funds (7:12) Values-based investing approach (13:16) Starbucks pick criteria (13:28) Six rule breaker traits (20:41) Why overvalued works (26:44) Market timing philosophy (32:20) Traditional metrics miss key factors (39:18) When to sell stocks (45:26) Winners vs losers math (48:32) Portfolio allocation rules (55:10) Sleep number concept (1:00:00) Adding to winners strategy (1:05:16) Evaluating unfamiliar companies (1:09:15) Dot-com bubble lessons (1:16:24) AI investing parallels (1:20:18) Sports betting critique Resource: David Gardner's book: Rule Breaker Investing: How to Pick the Best Stocks of the Future and Build Lasting Wealth Learn more about your ad choices. Visit podcastchoices.com/adchoices

“I think it was important in my highest moment, to talk about my lowest moment because if it wasn't for God's work in my life, I wouldn't be who I am now…. Going into that season, my mind was so cloudy and cluttered, I didn't have the right focus and I knew I needed to get help.” -Jaylon Johnson In one of the most humbling and revealing episodes of The Pivot Podcast yet, Chicago Bears star cornerback Jaylon Johnson sits down with Ryan Clark, Fred Taylor, and Channing Crowder for a conversation that dives far deeper than football. With a new contract as one of the highest paid cornerbacks in the league, Jaylon is revitalized by the Bears culture under leadership of new head coach Ben Johnson and believes his accountability to players is helping Quarterback Caleb Williams lead the team better with emphasis on competition and execution. He breaks down the tough wide receiver match ups he faces, who his style of play is modeled after and the games he has circled on the 2025 schedule. But beyond Xs and Os—Jaylon dives deep into his personal growth, fatherhood, giving back through his foundation, and what it really means to stay true to yourself in a league that tries to mold you. Known on the field as one of the NFL's rising shutdown corners, Jaylon opens up about the battles he's fought off the field — including his deeply personal struggle with porn addiction and the role his faith in God played in his journey toward healing and freedom. With honesty and vulnerability, he shares how he reached a breaking point, leaned into scripture, and found strength through surrender. Jaylon also talks about growing up in Fresno, the loss of his close friend and how it fueled his mission, becoming a father at a young age, and why his purpose now goes beyond interceptions and contracts. Jaylon's life is guided by something bigger than football and this conversation is about redemption, resilience, and redefining manhood—as he opens up like never before, proving that true strength starts within. Thank you to Toyota and as you heard, we talked about Toyota's all in partnership with football and game day giveaways, Learn more at https://toyota.com/nfl Learn more about your ad choices. Visit megaphone.fm/adchoices

Online crime is accelerating, making cybersecurity a fast-growing and resilient investment opportunity. Our Cybersecurity and Network and Equipment analyst Meta Marshall discusses the key trends driving this market shift.Read more insights from Morgan Stanley.----- Transcript ----- Welcome to Thoughts on the Market. I'm Meta Marshall, Morgan Stanley's Cybersecurity and Network and Equipment Analyst. Today – the future of digital defense against cybercrime. It's Friday, September 12th, at 10am in New York.Imagine waking up to find your bank account drained, your business operations frozen, or your personal data exposed – all because of a cyberattack. Today, cybersecurity isn't an esoteric tech issue. It impacts all of us, both as consumers and investors. As the digital landscape grows increasingly complex, the scale and severity of cybercrime expand in tandem. This means that even as companies spend more, the risks are multiplying even faster. For investors, this is both a warning and an opportunity.Cybersecurity is now a $270 billion market. And we expect it to grow at 12 percent per year through 2028. That's one of the fastest growth rates across software. And here's another number worth noting: Chief Information Officers we surveyed expect cybersecurity spending to grow 50 percent faster than software spending as a whole. This makes cybersecurity the most defensive area of IT budgets—meaning it's least likely to be cut, even in tough times.This hasn't been lost on investors. Security software has outperformed the broader market, and over the past three years, security stocks have delivered a 58 percent return, compared to just 22 percent for software overall and 79 percent for the NASDAQ. We expect this outperformance against software to continue as AI expands the number of ways hackers can get in and the ways those threats are evolving.Looking ahead, we see a handful of interconnected mega themes driving investment opportunities in cybersecurity. One of the biggest is platformization – consolidating security tools into a unified platform. Today, major companies juggle on average 130 different cyber security tools. This approach often creates complexity, not clarity, and can leave dangerous gaps in protection particularly as the rise of connected devices like robots and drones is making unified security platforms more important than ever.And something else to keep in mind: right now, security investments make up only 1 percent of overall AI spending, compared to 6 percent of total IT budgets—so there's a lot of room to grow as AI becomes ever more central to business operations. In today's cybersecurity race, it's not enough to simply pile on more tools or chase the latest buzzwords. We think some of the biggest potential winners are cybersecurity providers who can turn chaos into clarity. In addition to growing revenue and free cash flow, these businesses are weaving together fragmented defenses into unified, easy-to-manage platforms. They want to get smarter, faster, and more resilient – not just bigger. They understand that it's key to cut through the noise, make systems work seamlessly together, and adapt on a dime as new threats emerge. In cybersecurity, complexity is the enemy—and simplicity is the new superpower. Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

The Drive is LIVE from Bearden Beer Market on Georgia Friday On3's Chris Low joins the show to preview Week 3 Roger's Keys to Victory

The Drive HR 3 9.12.25 from Ashe's Beer Market: "Hodgie Joins the Show!" by Fanrun Radio

Welcome to the kickoff of Judy's newest 4-part training series: $100K Q4: The Plan, The Prep & The Profit.  In this powerful session, Judy delivers a State of the Market Address - including why old-school tactics (like endless posting, formulaic webinars, and marathon launches) aren't converting like they used to, and what's working instead. You'll learn exactly where you need to focus to bring in more clients ASAP (psssttt! It's only 2 things....double-down on these to scale your revenue & your time). You'll also discover how to: position yourself as the authority (not just one of many) and shift your messaging to attract empowered dream clients....Judy shares real-life examples you can use as a model to dial-in your messaging! PLUS Judy offers 2 powerful resources: 1) Grab the Million Dollar Messaging document -> comment 'MESSAGING' via IG DM: https://www.instagram.com/judyweberco 2) Master Sanctified Selling:  https://www.judyweber.co/sellwithcertainty  Episode Highlights & Timestamps [2:15] State of the Market: why right now is actually the best time for your business to explode. [3:45] The Doubt Economy explained: today's buyers are skeptical, discerning, and looking for truth. [9:50] Why empowered clients are no longer swayed by “private jet” marketing. [19:45] Stories of real clients navigating the market shift and breakthrough moments. [28:20] Why “doing more of the same” won't work in today's market. [40:00] Live Q&A coaching: Judy works directly with participants on their challenges - including: how to show up with boldness (no matter how you feel); the DOs & DON'Ts of creating proposals; why boundaries are essential in client acquisition & more! Next Steps:

Sep 12, 2025 – With record-breaking highs in the markets and the S&P just points away from Craig Johnson's spot-on 6,600 target, which he forecasted last year, we're diving into what's next for this bull market. Is this just a pit stop, or does the rally...

Another day of record highs on the NASDAQ:  Carl Quintanilla, Sara Eisen, and David Faber broke down fresh consumer data top of the hour before Wharton Professor Jeremy Siegel joined the team with his take on why the Fed NEEDS to cut rates - in a big way, and soon. Plus: a read from the ground on trade with the CEO of logistics giant Flexport... and more on the blockbuster IPOs of the day - from crypto exchange Gemini to Via Transportation, whose CEO joined the team at Post 9 ahead of the first trade.   Also in focus: huge moves higher for certain names... Hear David Faber's exclusive reporting on a possible Paramount-Skydance/Warner Brothers Discovery deal - as shares of both name pop higher... And don't miss a deep-dive on the future of Opendoor with new Chairman Keith Rabois, who argues the company's value is potentially "infinite" with shares up +1,000% on the year.Squawk on the Street Disclaimer

Title: From Hustle to Holdings: The Smarter Path to Passive Wealth With J. Scott Summary: In this episode of the Passive Income Attorney Podcast, host Seth Bradley discusses the importance of transitioning from active to passive income with guest Jay Scott, a seasoned real estate investor. They explore various investment strategies, the significance of due diligence in syndication, and the differences between house flipping and multifamily investments. Jay shares his journey from tech to real estate, emphasizing the need for teamwork in multifamily projects and the importance of understanding market conditions. The conversation concludes with actionable insights for listeners looking to create financial freedom through passive income. Links to watch and subscribe: https://www.youtube.com/watch?v=V26Rze2S9TM Bullet Point Highlights: Active income is trading time for money, while passive income allows for financial freedom. Investors should focus on the highest and best use of their time. Flipping houses can be tedious and may not be the best use of time for high-income earners. Transitioning to multifamily investments can provide more control and cash flow. Market conditions can significantly impact investment strategies and outcomes. Due diligence is crucial when vetting syndication sponsors and deals. Understanding the underwriting process is essential for passive investors. Building a strong team is vital for success in multifamily investments. Investors should seek to understand the risks associated with their investments. Passive income allows for a lifestyle centered around family and personal interests. Transcript: Seth Bradley (00:10.188) What's going on, law nation? Welcome to the Passive Income Attorney Podcast, your favorite place for learning about the world of alternative passive investments so that you can practice when you want to and not because you have to. Now, if you're ready to kick that billable out of the curb, start by going to attorneybydesign.com to download the Freedom Blueprint, which will also get you access to partner with us on one of our next passive real estate investments. All right, let's talk about   the highest and best use of your time. We've talked about active versus passive income and for good reason, they are completely different. They're on opposite sides of the spectrum. When we talk about active income, we're talking about your job as an attorney, as a doctor or a business owner, where you trade your time in for money out. Depending on your skill set, background, education, work ethic, et cetera,   You know, this could be a great use of your time or it could be a terrible one. But when most people think about getting into real estate investing, they're torn. Should you do a fix and flip like you saw on HGTV? Should you invest in a REIT like your financial advisor and Charles Schwab told you to do? Should you buy a single family rental or invest in a syndication? There are endless options so I can understand why it's so confusing. Well, start with this.   ask yourself, what's the highest and best use of my time? If you're thinking about doing an HGTV fix and flip and your partner at a big law firm, for example, is that flip really the best use of your time? And don't be mistaken, a flip is transactional and it is active. So will you make more per hour on that fix and flip than you would at your job?   After you factor in the learning curve, the deal sourcing, the headaches, what it takes away from your job and everything else, it's not even close. Unless you truly love doing it, which some people do, it just doesn't make sense for high income earners. You should be focusing on transforming the income you earn actively into passive income streams. At different levels on the passive scale, that could very well be a single family rental or an Airbnb.   Seth Bradley (02:34.26) or could be passive investments into commercial syndications. But if you truly want to obtain financial freedom as quickly as possible, don't create more time consuming activities that aren't as fruitful as the active income stream that you already have. Focus on passive investments until you are financially free. And then you will have the freedom to transition or not into any   active activity you have a passion for. Today, we have a very special guest, Mr. Jay Scott of Bigger Pocket fame. Jay is an entrepreneur, investor, advisor, and the co-host of the Bigger Pockets Business Podcast. He has bought, built, rehab, sold, syndicated, and held over $70 million in residential property, and currently owns several hundred units. Jay is the author of four bestselling books on real estate investing,   with sales of over 300,000 copies. Get really excited for this, folks. You're in for a treat.   This is the Passive Income Attorney Podcast, where you'll discover the secrets and strategies of the ultra wealthy on how they build streams of passive income to give them the freedom we all want. Attorney Seth Bradley will help you end the cycle of trading your time for money so you can make money while you sleep. Start living the good life on your own terms. Now, here's your host, Seth Bradley.   Jay Scott, what's going on, brother? Welcome to the show.   Scott (04:09.196) Thanks. Appreciate you having me here Seth.   Absolutely, man. Appreciate you taking the time out of your day, We've got a little bit of history, but let's jump into your history, man. What's your story? Tell us about your background. Take it back as far you'd like to.   Yeah, I'll keep it short because nobody really cares about what I used to do. So I'm a tech guy by education and former trade. I worked in Silicon Valley for a long time, spent about 15 years doing the engineering thing and the product management thing. 2008 decided to get married. My wife and I, she was in the tech world also. We decided to leave and do something different so we could start a family.   focus on our family. Basically, we were both working ridiculous hours and it just wasn't sustainable if we wanted to start a family. So put our jobs in 2008, moved to the East coast, ended up flipping houses. Long, boring story about how that started, just kind of serendipitous. We didn't really plan it, never really considered real estate, but fell into flipping houses. Over the next eight years or so, we flipped about 400, 450 houses, was great. It ended up being the,   next career we were looking for, it gave us the flexibility to kind of raise our kids and never have to miss a soccer game or a piano recital, which was fantastic. But then around 2017-ish really got burned out on flipping houses and that's when I started to look for some new stuff to do. and that kind of leads me into what I've been doing the last few years.   Seth Bradley (05:41.742) That's awesome, man. That's a ton of houses you flip, man. think that that's, know, a lot of the folks who've been in the game for a long time, they've heard you speak on, you know, on bigger pockets and all of that. So, you know, what attracted you originally to house flipping rather than, you know, buy it holds or anything like that?   So I'll be honest, I don't love real estate. I love business. I'm a business guy. like when I was even when I was in the tech world, I got my MBA and I did some business development and I moved from the engineering side to the product side where I could be more involved in the business stuff. And I'm a business guy by heart. And that's what I love doing. So when it came to flipping houses,   For me, was, I could have been buying and selling anything. It ended up being houses. And again, not an exciting story. mean, literally the story was my wife was watching a show on HGTV with some people flipping houses and she said, let's give that a try. Just as kind of like a fun thing to do on the side while we were waiting for our wedding to come up. So it wasn't something that I ever thought about or planned to do. It just kind of happened.   And so if it weren't flipping houses, it would have been buying and selling something else. would have opened a restaurant or I would have opened a retail store or who knows what I would have done. But for me, the challenge was in the business. It wasn't the real estate piece of it. And so I've always enjoyed the scaling part. So yeah, flipping a house is great. Flipping five houses is great. But I always wanted to know, how do I go from flipping five houses to flipping 50 houses in a year? What are the systems and processes I have to put in place?   how do I build that type of business? That to me is what's exciting. And so for me, it's always been about not the real estate part of it, but about the building the business part of it.   Seth Bradley (07:25.248) I love that man. I don't think I've heard anyone just come out and say that, even though a lot of people are probably in the same boat as you that, you know, you don't have to love real estate to recognize that it's a great business. Right. Yeah. So that that's awesome. So tell me a little bit about your, your transition and what you're doing now, your current business, how you kind of progressed from house living to what you're about to tell us about.   Yeah, so 2017, I just got really burned out on flipping houses. It was good to us financially. We got good at it. I wrote a bunch of books on it, but I'll be honest, it was never fun. And as the years went on, it just ended up getting more tedious. I felt like I wasn't learning anything new. It was revising processes and creating new systems. it was fun, but I needed some new challenges.   So 2017, I decided, okay, done with flipping, actually went and started doing some business stuff. So I do some advisory work for some tech companies. I do some angel investing. And so for a few months, I actually considered getting out of real estate altogether, focusing on other business pursuits. But I actually, what I realized was that I didn't like the nuts and bolts of real estate. I liked the mechanics of real estate.   I loved the negotiation piece. I loved the asset management piece. I loved the putting deals together piece and I was good at it. And so while I really didn't wanna be flipping houses, didn't want to be involved in the day-to-day aspects of managing the projects. I enjoyed the deal part of real estate. And so in addition to that, after I stopped flipping, I had all this cash.   And I was like, okay, what am I going to do with this cash? I was using it to flip houses. We were doing 50 houses a year. It's put a lot of cash to work. Now I had all this cash. I'm a control freak. do invest in other people's syndications, but I don't sleep well at night when all my money is being managed by other people. So I said, how do I kind of take back control of my own cash as well as kind of get back into real estate? What can I do in real estate that I would enjoy? And now I can also deploy a bunch of my own cash. And what I realized was multifamily.   Scott (09:38.648) That was a great opportunity. And I had been thinking about multifamily for a long time. But what I realized was from the syndication side of multifamily, could, one, I could have the control. could be a general partner. could control the deal. I could put the deal together. I could manage the deal. But also I could come in on the limited partner side as an investor. And it was a great place to deploy my capital. So I could deploy my capital in deals that I had full control over. So 2017, I decided I wanted to get into multifamily, probably wanted to get into syndication.   I reached out to a friend of mine, Ashley Wilson, who managed a company called Barred Down Investments. She and her husband had started the company a couple of years earlier. They were doing exactly what I wanted to do. And so I reached out to Ashley and I said, hey, I would love to learn multifamily. I don't expect you to like just take all this time and teach me so I can often be your competitor. But here's what I am willing to do if you're willing to do this. I will come work for you for a year.   And in that year, you've got all my time, you've got all my energy, you've got all my knowledge, you've got all my contacts, I'll put money into your deals, whatever it takes. You mentor me for a year, you've got my commitment for a year. After a year, we can figure out if like, there's a place for me on the team or if I'll go off and do my own thing. But basically, let's work together for a year. And she loved that idea. mean, I think she liked the fact that I was really good with the systems and the processes and the operation stuff.   And I obviously loved the fact that I could jump into a team that was high functioning, already owned a lot of properties and was doing deals. So for the next year, I worked with her team. It took about a year and a half before we finally did a deal. But 2020, just before COVID, we started putting together a deal. That deal went really well. Ashley and I realized that we were like, just we made a great team.   We had a bunch of complimentary skills, the things that she was really good at, I wasn't, the things I was really good at, she wasn't, it was just a good partnership. Around the same time, her husband decided that he didn't really want to be doing real estate anymore. He kind of wanted to be a stay at home dad. He liked helping with the business. He ran the underwriting team and he did a lot of the analytics, but he didn't want to be a partner in the business anymore. So about a year and a half ago, Ashley came to me and said, Hey, would you want to join me and be a partner in the business?   Scott (11:57.678) 2020, 2021-ish. Ashley and I joined forces. She and I now run bar down investments and we do value add multifamily all around the country.   That's great man, said you weren't having fun anymore, you having fun now?   I'm having a ton of fun. And I think the big difference between then and now is when you're flipping houses, flipping houses is a very, it's a solitary venture. Yeah, you have contractors around you and you have eight real estate agents and you have closing agents and lots of 1099 people, lots of vendors and people that come in to help you. But at the end of the day, you're running the show. You're doing the four big things that you do when you flip houses.   you're acquisitions or you're running acquisitions, you're doing the rehab or you're running the rehab, you're doing the disposition or managing the disposition and you're raising the money. mean, all four of those things, you don't generally have a big team to do those things because it's just hard to scale a big team when you're flipping houses. The profits aren't there, the margins aren't there. Unless you're doing real high-end houses, the deal size isn't there. But in multifamily, the thing I love about multifamily is it really is a team sport. When you're doing it,   $10 million deal or a $50 million deal, it's not something that I could ever do myself. It's not something anybody or very few people can do themselves. Typically you have to be part of a team because things are very specialized. mean, the acquisitions piece, you need some of the best acquisitions people in the world to be finding deals in this market. The renovation piece to be renovating a 200 or 400 or 600 unit apartment complex, it's not like flipping a house. You need to have really good systems and processes. need to...   Scott (13:36.448) really know the renovation side of things. Managing the property, I mean, you have to know the asset management side. You have to know how to carry out a business plan. You have to know how to increase and reposition rents. You have to know how to decrease expenses and improve the efficiency of the management. And then on the sales side, that's a whole other world where you have to really know the market and be able to work with the brokers and know how to position the company for sale. And then finally, there's that raising funds piece.   And that's a whole world by itself, whether you're dealing with raising debt through a broker and you're going like just typical, like getting loans, or you're going out to private investors or institutions and you're raising equity, people that come in as partners. And I mean, that's a full-time job in itself, those two things. So when you do multifamily, you really need to figure out what are you great at? And then you need to surround yourself with people who are great at everything else. And so that's what I loved about multifamily. It allowed me to focus on what I was really   and then bring in people who are literally the best in the world at all the other stuff. And now it becomes a team sport. It goes from playing tennis to playing basketball. It goes from being yourself reliant and you have to do everything and be the best versus you have to be able to put together the best team and manage that team in a way that not only is everybody fantastic, but working together, they're better than the sum of their parts.   Yeah, yeah, that's fantastic, man. The whole team game part of multifamily and commercial real estate. It's really interesting because when you get into other businesses, it feels more competitive and kind of like if you if you have the secret sauce, you keep it close to your vest. You don't you don't tell everybody about it. Whereas when you're in this commercial real estate world, everybody's sharing ideas. Everybody's trying to partner. Everybody's trying to see how they can help you rather than just looking about, well, how can you help me kind of?   I call it, I'm gonna get in trouble here, but the Hollywood mentality where it's like, what can you do for me? Oh, you just drive a three series, you probably can't help me. So it's a different attitude.   Scott (15:41.294) Absolutely. I like to refer to it as co-op petition. It's like there are deals that you're going to do with other people and then there deals you're going to do yourself and you may come back to those people later. You may never come back to them, but everybody kind of looks out for each other because you never know when you may end up in a deal with somebody that previously you were competing against. And so anytime that you're not in a deal with somebody, you're still treating them as if, the next deal we could end up being partners. And the deal after that, we could end up being partners.   because it really is, it's a small industry, everybody knows each other. we really, again, going back to the sum of the parts is greater than the parts themselves. mean, working together, we can really do a whole lot more than if we just are purely competitive and try and take each other down.   Yeah, absolutely. And I think kind of going back, there's a lesson to be learned about how you were transitioning from house flipping and you were the best at it. And then you're like, okay, I want to go into multifamily and a syndication. You went and you sought out someone that was already in the game that knew what they were doing, that had the experience. And you said, what can I do to help you? What value can I bring to you to help you so you can teach me what you've done? And there's a lot of value to be found in that lesson for folks that are trying to   you know, get into the active side. A lot of listeners out there are passive investors already and they're, you know, maybe thinking about, maybe I want to do in the active side. And they're like, well, what can I do? Cause a lot of attorneys, especially in doctors and folks like that, they think they have this one track mind. They're only trained to do one thing. And they're like, what value can I provide as somebody else? But there are a lot of skills that you've learned in your W2 profession that you can apply to help other folks that are already in the industry.   Absolutely. I mean, I talk about it a lot, but even outside of real estate, I do a lot of advisory work and I'm still pretty active in the tech world. And I find companies that kind of bridge that gap between technology and real estate. all know about the Zillows and the Airbnb type companies. There are a lot of startup companies in that space too called property technology type companies. so...   Scott (17:46.998) I love to use my experience, my knowledge, my relationships to go into those companies and help them grow their companies. In return, I'm not an employee. I'm not even a 1099 contractor. In return, I'm getting equity so that if I can help make them successful, ultimately my equity is gonna be worth something. I'm gonna be successful as well. And so what I like to tell everybody like figure out what you're good at and then figure out who needs that expertise.   and then figure out how you can offer that expertise in a way that isn't trading necessarily hours for dollars. Figure out how you can trade your expertise, your knowledge, your Rolodex, your whatever it is for equity or potentially passive income so that you can grow potentially many fold as opposed to I charge $200 an hour or $300 an hour. mean, everybody loves $300 an hour, but the minute you stop working, you stop making that money. But if you can get equity, that equity can work for you for a while.   Yeah, absolutely. And it's tough for a lot of the WTs out there listening, they're highly paid professionals. It's tough to get off of that treadmill. For some folks it's easier because they're not making as much money, but for the lawyers, the doctors out there that are making a good amount of money in their profession, it's tough to try to see, you know, to stop trading time for money. But you've got to kind of see through the weeds there.   Yeah, well, what I tell people is, there's two types of income. There's your active income. That's the stuff that you're trading your time for, whether you're a doctor or a lawyer or an engineer or you're a house flipper or you're a consultant or you're a small business owner, whatever it is, that thing that when you stop working, you stop making money. And then there's a passive income. It's the thing you trade money for money. So you put your money out there and hopefully it continues to come back to you for the rest of your life or at least the next several years.   And so what I like to tell people is don't think about those the same. Those are completely different. figure out for your active income, figure out what the highest and best use of your time is. If you're gonna make more money as an attorney than you are flipping houses, don't flip houses just because you eventually want to retire on real estate. You can always use real estate for the passive side of things, but if you're gonna make more dollars per hour as an attorney or a doctor or a consultant, then do that because you wanna get out of that active income as quickly as possible.   Scott (20:05.9) And the way you do that is you make as much as you can and you move it over to the passive side. So focus on whatever it is that's generating the most dollars per hour for a shorter period of time so that you can then start moving that money over to the passive side and start building up the passive side. don't, people ask me all the time, should I flip houses or should I buy rentals? And I'm constantly telling them that's not the right question. Flipping houses is your active income. Compare that to all the other.   potential active incomes you can have. And rentals is passive income. Compare that to all the other passive investments you can make. And so don't say flipping houses or rentals say, should I be flipping houses or should I be an attorney? And don't say, I be flipping houses or rentals say, should I be doing rentals or should I be investing in syndications or dividend generating stocks or something else? And think of them very differently. then secondly,   Make sure as much of that active income as you can, move it over the passive side so that you can start that snowball rolling. I compound interest is the key to financial freedom. And the sooner you can put more money to work, the faster it'll compound and the sooner you can start to live on.   Yeah, I love that man. mean, lot of folks, you know, calls that I take, they're like, hey, they're attorneys. Should I quit my job or how do I quit my job? I'm like, if you want to quit your job, don't be hasty about it. First of all, you're probably making a good amount of money in your active income. You just need to figure out a way to transition that active to passive income and don't just quit your job. It's very difficult to flip houses, to do an HGTV fix and flip while you're working at a big law firm or something like that full time.   I tried to do it, I didn't do it very well. You're not even gonna make it nearly as much money as you would as a doctor, as an attorney, unless you get to level like you did, Jay, but that takes time and that takes a buildup of accumulation of skills and money to be able to get to that level.   Scott (22:05.826) Yeah, I mean, at the end of the day, it's a math equation. mean, your passive income or your ability to build up enough income to be able to retire, whatever your number is, is based on how much can you put in per month into that wheel, that passive income growth machine? How much are you generating every year on what you're putting in? So what do your returns look like? And three, how long do you have to compound it?   And so everybody can go out into a compound interest calculator and say, okay, I have $5,000 a month that I can invest passively and I can return 12 % per year and I need $6 million to retire. Well, based on those three numbers, you can now figure out that fourth variable, is how long is it going to take? And so figure out how much do you have per month to put in? What's the rate of return you can generate and how much do you need? And that'll tell you how long it's going to take or   figure out how much you have to put in, how much your return is gonna be and how long you wanna spend. And that'll tell you how much you'll end up with at the end, either way you wanna look at it. But again, it's a pretty simple math equation, but too many people don't actually do that equation where they don't think about it until too late and they think, I wish I would have taken that $5,000 a month that I was spending on my second home in the Bahamas and put that into real estate so that I could have been.   compounding it and so now I could buy that home for cash five years or 10 years later.   Absolutely. Attorneys hate math, but I think they can handle that little equation. I want to take a step back for a minute because you got into house flipping in 2008, which is kind of like around the big crash. And now we're kind of at the height of a market. We don't know where that height is going to end, but we're definitely in it. Right. So can you maybe compare and contrast getting into, let's say,   Seth Bradley (24:01.652) one real estate venture in the middle of a crash compared to getting into another venture kind of towards, towards the upswing.   Yeah, so it's one of the reasons I like multifamily and I like commercial and I like syndication. Anytime you're doing purely transactional deals, buying something and then selling it, not generating any cashflow in between, you run a risk. If the market turns in the middle of the transaction, you're gonna lose money and you don't have a lot of ways to mitigate that risk.   Whereas if you're buying something like an apartment complex, or even if you're buying a rental property, or you're buying a self-storage complex, or you're buying anything that cash flows, the nice thing is if the market turns, you may not be in a great position. You may not be thrilled with what's happening with the value of your assets, but if you're still generating cash flow, you can weather that storm. Maybe it's gonna take, the average recession lasts about 18 months. And so if you can make enough income that you can keep yourself afloat for 18 months, or maybe   it's a horrible recession and it lasts three or four years. If you're still making income and you can keep yourself afloat for three or four years, the market's gonna come back. And so when we do our multifamily deals, yeah, we typically say we're planning to hold three to five years, but we also do all the underwriting to ensure that if we have to hold for six years or eight years or even nine or 10 years, that the numbers still work because.   Again, who knows what's gonna happen three years down the road, we could have a major recession that lasts four years and now we're seven years down the road. I wanna know that my multifamily investments in seven years, they're probably gonna be producing more cashflow. We're probably gonna see more growth in terms of population. We're probably gonna see more growth in terms of employment. Hopefully we're gonna see more wage growth once we come out of that recession. So all the economic indicators that kind of lead towards value growth in multifamily,   Scott (25:58.486) are going to happen over those seven years if I can just get my property seven years and not lose it. With a flip, well, I'm not generating any income. So if the bank calls the loan due or if my two-year loan comes due and I can't refinance, I'm screwed. But in a multifamily, I just waited an extra couple of years and I'm probably in a better position than I was anyway. So that's one of the reasons I love multifamily because we can't predict   what the economy is gonna do in the next couple of years. But I do know that whatever the economy does, it's probably gonna come back in the next five or 10, and I'm still gonna have the problem.   Yeah, yeah, that's great. That kind of rolls into this next question. How does a passive investor that's kind of vetting a sponsor, how do they check kind of the boxes to see if their sponsors are taking the extra measures to look into those risks that you just mentioned, to mitigating those risks, to taking those risks into account in their underwriting and things like that. How can they best vet the sponsor to make sure that they're thinking of those things?   So I invest in a lot of other people's syndications as well as my own. And so when I do that, I kind of look at five areas for due diligence anytime I invest in a syndication. Number one is the team. And that's probably the most important thing. For a lot of people, I have been pleasantly surprised that a lot of our investors have recognized that team is the most important aspect of the deal. I know in the flipping world, everybody was concerned about the deal. Nobody cared about   what was my experience, but in the multifamily world, a lot of investors recognize that the team has to be great. So number one is the team. Number two is location. Location is often overlooked, but at the end of the day, the thing that's gonna drive value for multifamily and for commercial real estate in general is gonna be population growth. So you want more people coming into an area, employment growth. So you want more employers coming into an area that will bring more people in. You want wage growth because that will ultimately drive rents up.   Scott (28:06.082) and you want employment diversity. You wanna know that if one industry takes a big hit, so for example, we invest in Houston, but we won't invest in the energy corridor of Houston because it's so reliant on oil and gas, that if the oil and gas industry took a big hit, the real estate around there would probably take a big hit. So we wanna see that there's good employment diversity. But at the end of the day, location is that next big thing. So team, location, number three is the deal itself.   So you need to know that the deal is gonna stand on its own. I wanna know that if I took a deal and I handed it to pretty much any other indicator, they couldn't mess it up too badly. Obviously, again, we're gonna go back to the team is super important, but I want the deal also to stand on its own. And I wanna know that the business plan for the deal, the hold period, the numbers and the underwriting, the pro forma for the property makes sense. So team location deal.   Number four is the returns. So obviously when I invest with somebody, I'm in it for the money. And so I wanna see that the returns are commensurate with the risk. I wanna know that the returns, if somebody tells me I'm gonna get 10 % returns in this deal versus 20 % returns in another deal, I wanna know, well, why am gonna settle for lower returns? I want the answer to be because it's a lot lower risk or because you're gonna get your money back a lot sooner, which is gonna allow you to compound it or whatever the answer is.   I want to know that the returns make sense given everything else. And then finally is the risks. At the end of the day, I'm always going to sit down with the syndicator and I'm going to say, what are you most concerned about here? Like where, if I'm going to lose money on this deal, where am I most likely going to lose money? They say, there's no shot of losing money. walk away because we all know every deal has risks and every syndicator knows what those risks are. And they're thinking about those risks. I just want them to tell me.   So if I'm gonna lose money on this deal, where am I most likely? Why am I most likely to lose money if I'm going to lose money? So those are the five things that I look for. Talking about each individually a little bit more. the team, I like to know that one, I wanna see how many deals the team has done together because again, like a basketball team, you can put the best basketball players in the world together. And if they've never played on the court together,   Scott (30:31.672) they're not gonna be necessarily the best team out there. You can find another team with five inferior players who have been playing together for 20 years and they're probably gonna be better because they know each other better. So I like to see teams that have worked together for a while. I like to see teams that have gone full cycle in deals. So it's easy to buy 10,000 units. It's hard to buy 10,000 units and also sell 10,000 units for a profit. So I wanna see that if a team has bought a lot of deals, they've at least sold some for a profit.   I wanna see a team that's putting their own money in the deals. So I want people that have skin in the game. If they don't have skin in the game, and I've seen plenty of syndicators that don't like to put money in the deals, well, they need to sweeten the pot for me somehow. So maybe they're saying, we're not gonna take any profits until at least year three, or we're gonna give you a better preferred return, a better split than you would get if we were putting money in the deal. I wanna know if you're not putting money in.   that you're at least giving me something that aligns our interests and ensures that you're gonna be working hard even though you might not have as much financial risk. So those are the types of things I like to see in the team. I like to see things like at least one or two people working full-time. If everybody's part-time, that's kind of a little bit scary. Obviously not everybody has to be full-time because there are a lot of jobs on a GP team that aren't full-time jobs. There are a lot of jobs that might stop the day you purchase the property. Like the person that's raising money, job's   pretty much done other than communicating status when the property's been purchased. But I do want to know that whoever's managing the asset is doing it full time. So that's kind of the team stuff. Location, again, population growth, employment growth, wage growth, and employment diversity. So those are the four big things I look for. Next is the business plan. So I want to see the biggest question when somebody goes in and...   does what I do, which is a value add multifamily. Basically they buy it, they raise the value of the property and then they sell it for a big profit. Where is that profit coming from? Generally the profits coming from raising the rents. There's also some lowering the expenses, but at the end of the day, raising the rents is kind of the big thing that's gonna generate the big profits in multifamily. And so I wanna know how are you raising the rents? And two, when you tell me that you're raising the rents from X to Y, where is Y coming from?   Scott (32:55.182) Show me the comps that tell me that why is a reasonable new rent, market rent for this property after you've done the renovation. So I wanna see the comps. So that's kind of the deal. The returns speaks for themselves. I wanna see like the structure of the deal. So when's the money coming back to me? Is it paid monthly? Is it paid quarterly? What are the returns look like? What's the preferred return? So is it a low preferred return, which means   that the syndicators are getting paid sooner, whereas at a higher preferred return, which means the syndicators have to do more for me before they take anything home. So that speaks for themselves. And then for the risks, I wanna know both the catastrophic risks. So what's the thing that's like going to make me lose all my money? Is there something out there that can cause me to lose all my money? Hopefully the answer is no, but there are probably some risks that are bigger than others. So we do a lot of deals in Houston. If somebody were to say to me, what's the biggest risk on your deals?   The answer is generally going to be weather. If we have a really bad hurricane, if we're in a flood zone, we probably have flood insurance and we have hurricane insurance. But if it's in a place that's never experienced the negative impacts of a flood or a hurricane, and we are not required to have flood insurance, but there's still a massive hurricane that wipes out that property, that's not going to be good. We're going to have to pay for that ourselves. So what's our mitigation there? We don't have a great one. Luckily.   the risk is really low. We don't buy in areas where there is that risk. And if there is, we're gonna get flood insurance. But I do want my investors to know that no matter where you invest, whether it's a risk and especially in Houston, if we see a storm bigger than anything we've seen the last 50 years, some of our properties could be at risk. And then there are the smaller risks. So maybe there's five other complexes being renovated all around us. Maybe there's class A, brand new class A being developed.   all around us. So basically our absorption of units is going to slow down because there's so many more units. Maybe there's one big employer in the area. Amazon just built a warehouse that's employing 8,000 people. Well, what happens if Amazon has a bad year and has to lay off 4,000 of those people? How's that going to affect us? So, so risks is the next thing. And the way I approach it is I literally sit down with the, with the syndicator and say,   Scott (35:15.554) What keeps you up at night? What are the biggest things you're concerned about? And so those are the things that I do. I have no problem basically saying to a syndicator, I need 15 or 30 minutes of your time to ask these questions. Typically the good ones will either find the times themselves or have somebody on their team that will sit down and answer these questions. If they're not willing to answer those questions, well, that's probably a good indication that that's not a good team.   Yeah. For our listeners out there, that breakdown was incredible. Rewind that, listen to those five items again. That's a quick, but thorough and awesome rundown of what you need to do. Just as at least the starting points for your due diligence. And that's, that's great that you said if they won't book a call with you either themselves or an investor relations person on their team, then it's time to, you can just walk away and look at the next, look at the next deal. One question I had on the deal.   So a lot of folks, it's kind of overwhelming to see an underwriting model or something like that. And being a passive investor, I don't know how much you even want to dive into it. Some people do, some people want to nerd out on it. Most people don't. And we don't generally have access to the T12 or the rent roll or anything like that. What are maybe some quick tips on how to maybe proof through that pro forma to make sure that the assumptions are reasonable and the pro forma is generally   a reasonable prediction of what we might expect from that investment.   Well, let me start, me take a step back before I answer that particular question and just say that even for you and me, mean, you know how to do an underwriting, I know how to do an underwriting. If you or I were gonna invest in somebody's deal, Joe Smith's deal, we're probably not gonna have enough information even though we know this business really well and we know the underwriting models really well, we're probably not gonna have enough information.   Scott (37:08.908) that we're going to be able to know for certain that Joe Smith's not trying to scam us out of money. So if Joe Smith is really smart and he could probably put together an underwriting that could fool us because we're just not gonna be putting in as many dozens of hours underwriting as he and his team are. So the number one thing I would say is make sure you trust your syndicate. This goes back to why team is so important.   because there's two types of things that Joe Smith can do. One, he could do a bad job of underwriting and come up with bad numbers. That's not good, but that's not nearly as bad as Joe Smith wanting to scam us out of money. So number one is make sure Joe Smith's not the kind of guy who wants to scam us out of money. And so work with people who are reputable. And that's why I would invest with you before I would invest with 95 % of syndicators out there because you're an attorney, you passed the bar.   you know that if you go and somebody finds out that you're trying to scam somebody, well, you're putting your entire career at risk. And so what I tell people is, so what do you have that really proves that this person is on the up and up? And maybe it's a track record. Maybe it's 10 or 15 years of doing deals. Maybe it's, I like to think with me, I've been doing this business for 15 years. I've done thousands of deals with hundreds or thousands of people.   And if you go out on the internet, nobody's gonna, you're not gonna find anything that's written negatively about me. So that's a good sign. But make sure that there's something out there that gives you faith in that syndicator, even if it's just somebody else that's invested in a couple of deals with them. So that's number one. So that's the way to rule out that catastrophic, they're trying to scam you risk. Then there's the more likely, what if they just didn't do a good job of underwriting risk?   And so for that, would say for people that have very little knowledge of how the underwriting works and how the numbers work, it can be really difficult. And so what I like to do is, or what I recommend people do is sit down and ask to do a Zoom call for 15 minutes with the investor relations person and say, hey, will you kind of walk me through the high level underwriting? And at least force them to go through and then just ask questions.   Scott (39:30.958) when they say something, even if you have no idea what you're talking about and they say, well, it looks like we're gonna be able to reduce expenses by implementing a rub system, blah, blah, blah. Oh, okay, well, what is rubs and how does that work? And at least make them explain it to you. At least then you'll get an idea that they're not making it up as they're going along, or at least you'll get that confidence that it sounds like they know what they're talking about. But the biggest thing that I would say is that whole comps thing.   And this is a question that a lot of people don't like to ask. But I actually, and when people ask me this question, it always makes me nervous because it's the hardest part of the business, but it impresses me when people do. to the underwriting or the investor relations person, what are the comps that you used for your post renovation market rents? So again, the thing that drives values in multifamily is after the renovation is completed, in theory, you should be able to bring your rents up higher.   and your rents, those higher rents, you should be able to figure out what they are by looking at other units that have already been renovated and seeing what their rents are. So if I buy one, two, three Main Street, and I know I'm going to put $8 million into it, well, now that property is going to comp out to 678 Main Street. And well, what are the rents at 678 Main Street? And so by asking, hey, so you're buying one, two, three Main Street, what are the comps for the rents after you renovate?   and they tell you, it's going to be 678 Main Street and 123 Smith Street, whatever it is, you can then go look up those properties and say, okay, well, it looks like a two bedroom at those properties is renting for 1200. Now I go back to the investor relations person or whatever information they gave me I see, oh, okay, after renovation, they have their rents at 1200. Makes sense. If that's a reasonable comp, they now have the rents at kind of where they should be.   If he says that six, seven, eight main streets, a comp, and you go look in a two bedroom at six, seven, eight main streets, 1200, but their underwriting tells you that after they do the renovation, they're going to be charging 1500. Well, why are you now $300 above this property that you said was a comp? And so that to me is kind of the first thing that I look at or the biggest thing I look at is what are the comps that they're using and does just a kind of first pass.   Scott (41:57.762) jumping on apartments.com or calling the complex and asking them what different things rent for. Does that coincide with what they're telling you their post renovation rents are gonna   Yeah, I love that man. I mean, it's not as simple as just going into an old dilapidated apartment building and saying, I'm to put granite countertops and hardwood flooring and stainless steel appliances in there. And then I'm going to triple the rent or double the rent. It's not that easy. If it's not in the right area that could support those, those market rents or that have potential tenants that want those types of things, it doesn't work. So that's why that's so important to check those comps to see what's around those apartments that you're going to be investing in to see if, they can achieve those.   those proforma rents. All right, man, before we jump into the freedom four, what's one last gold nugget for our listeners?   Absolutely.   Scott (42:45.634) Yeah, so again, what I would tell people is figure out your highest and best use on your active side. And then for the passive side, figure out how you're gonna scale. And I know a lot of people like to invest in a whole lot of different things, but I'm a big fan of doing some work so that you don't have to diversify as much. Diversification is great, but diversification,   is for people who aren't really an expert in anything. If you want to get your best returns, the way to get your highest level of returns is not to have to diversify. And the best way not to have to diversify is to get knowledgeable about whatever you're investing in. So if you decide you wanna invest in all your syndications, just cause that's what you and I do. So it's an easy example. If you want to invest in syndications and that's how you wanna grow your nest egg, my recommendation is,   get as much information about syndications as you can. Pick up a good book on syndications. Go find somebody that does syndications and say, hey, I'd to pay you a thousand bucks for five hours of your time. Or you just to walk me through what a typical deal looks like or what the underwriting looks like. Or go sit in on a hundred multifamily syndication investor videos, presentations. So you can see all the different things they're talking about and become as much of an expert there as you can. So that way you're reducing your risk without having to do a lot of the.   diversification. So focus on whatever your highest and best use of time is on your active income and then become as knowledgeable as you can for whatever you're investing in passively. What I like to say on the passive side is it's not truly passive. Nothing's truly passive. But the best investments are the one where all the work is done upfront. You do your due diligence and then it becomes passive.   Yeah, that's awesome, man. And then what you can do though is diversify within that strategy, right? Absolutely. Yeah, different asset types can have different business strategy, value add, or maybe you're dealing with just a class A where you're chasing yield or across different cities, different geographies, or across different sponsorship teams. There's other ways to diversify within that same type of investment strategy. Yep. All right, man, let's jump into the Freedom 4.   Scott (45:05.598) It's time for the Freedom Four.   What's the best thing you do to keep your mind and body healthy?   So for me, it's admitting when I need a break. I know so many people that it's a badge of honor to work 80 hours a week, 52 weeks a year, never take a vacation. I'm just the opposite. If I wake up one morning and I'm tired and I don't feel like working and I don't feel like I'm gonna be productive, I will grab a book. I might even turn on the TV. I might say to my wife, hey, let's go to breakfast or let's go spend the day, let's go to a movie.   And I have no qualms with just saying, I need a break today. Today's not gonna be a productive day. I don't need to pretend to work just so I can have that badge of honor that I work hard. And so, yeah, and that's one of the nice things about real estate. mean, I don't have a hundred percent flexible work-life balance. I can't do anything I want any time I want, but if I wanna take a couple hours off, I normally can. And so I'm not scared to do that.   Yeah, yeah, that's a great answer. With all your success, what is one limiting belief that you've crushed along the way and how did you get past it?   Scott (46:15.734) Yeah, I still have a lot of them. I think we all do. But I'd say the biggest one is that doing a big deal is not that much harder than doing a little deal. I'm not going to say a hundred million dollar deal is just as easy as a hundred thousand dollar deal. But if you're smart enough to do a hundred thousand dollar deal, you're smart enough to do a hundred million dollar deal. And the people that are out there doing those hundred million dollar deals, mean, we have, we now have a hundred million dollars assets under management.   I remember a couple of years ago, looking at the people that had nine figures under management and thinking, they're different. I can't do that. These are people, went to some school that I will never go to, or they were born into something that I was never born into, or they know people I don't know, or whatever it is. No, they're normal people. And the only difference between them and me was I wasn't thinking big enough.   and I wasn't willing to take some risks and I wasn't willing to acknowledge the fact that doing again, a hundred million dollar deal is certainly within my capabilities. So that to me has been probably the biggest one and it's made it a lot easier for me now to say, okay, $50 million deal, let's go do it, not think twice.   Yeah. I had a similar experience working in, in, big law, doing house flips, doing single family rentals, things like that. And even though my clients are doing 50, a hundred million dollar deals and I'm helping them close those deals, it was just like the mindset shift that, a minute, I can do those deals too. I'm actually giving them advice on how to, how to do this thing. I need to step up my game and, and, take some.   Exactly, it's the difference between people doing a hundred million, a hundred thousand, it's all mindset.   Seth Bradley (48:00.866) Yep, absolutely. What's one actual step our listeners can do right now to start creating more freedom.   take action. So the biggest thing that I see stopping people is just this fear to take the first step. And I know this doesn't apply to a lot of your listeners, but I talked to a lot of people who want to get into house flipping or they want to get into rentals and they've been thinking about it for years and they just never take that first step and then they end up giving up. One of the the few truisms I see in this business   is that there are two types of people I meet. Number one, I meet people that have never done a deal. They've done zero deals. And maybe they're still working on it. Maybe they've given up whatever it is, but they've done zero deals. And then the other type of people I meet in this business are people that have done a lot of deals. They've done five or 10 or 20 or 50 deals. There's one type of person I never ever meet in this business. And that's somebody that's done one deal. Because if you get that one deal, you're gonna get the second and the third and the fifth and the tenth.   Nobody does one deal and then says, okay, that's it, I'm done. can't do this. So what I like to tell people is, and that applies to a lot of things in life. If you can get over the hump and do it once, you're gonna get that snowball effect and it gets easier the second time. It gets even easier the third, it gets even easier the hundred. So don't give up until you achieve that first step or that first iteration of whatever it is you wanna achieve because that's gonna get that snowball rolling.   Yeah. Yeah. We preach that on their show all the time. Just like, you know, just do a deal, just invest in a deal so you can get that experience and it'll just kind of open up your mind to other opportunities. You'll just see opportunity all around you. Once you just do one deal last but not least, how it's passive income made your life better.   Scott (49:51.886) Passive income has given me the ability and the confidence to raise a family. Before this, my biggest concern with raising a family was I didn't want to be, I had, my parents were great, but my parents were always working. And I didn't want to be the same type of father that my parents were. Again, they were fantastic, but I wanted to always be there. I wanted to be at every soccer game, every piano recital.   I wanted to be able to go into school for the parent-teacher conferences. so passive income has really given me the ability to build my life around my family as opposed to building my life around   Love that, love that. It's been fantastic, brother. We're gonna listen and find out more about you.   Yeah, anybody wants to get more info, go to www.connectwithjscott, just letter J, Scott, connectwithjscott.com, and that'll link you out to everything you might wanna find.   Awesome man. Talk soon.   Scott (50:54.945) Awesome. Thanks,   All right, Mr. Jay Scott from Master House Flipper to multifamily syndicator. He's a master of creating profitable, well-oiled business machines. I've been reading Jay's bigger pockets books for years and it's awesome to have the opportunity to have him on the show today. Major key, focus. Focus on transitioning your active income to passive income and don't get distracted. All right, if you're ready for a change, you're ready to take action.   partner with us on one of our next passive real estate deals. Go to passiveincomeattorney.com and join our Esquire Passive Investor Club. All right, kiddos, as always, enjoy the journey.   Thank you for listening to the Passive Income Attorney Podcast with Seth Bradley. Do you want more ideas on how to generate multiple streams of passive income? Then jump over to passiveincomeattorney.com for show notes and resources. Then apply for the private Facebook community by searching for the Passive Income Attorney on Facebook. And we'll see you on the next episode.   Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en J. Scott's Links: https://www.linkedin.com/in/jscottinvestor/ https://www.instagram.com/jscottinvestor/ https://x.com/jscottinvestor https://linktr.ee/jscottinvestor

Do ESG ratings matter for bonds and understanding credit spreads?  We already know ESG factors affect the cost of capital in equity markets, but their impact on bonds is less clear. Join us on this week's episode as we break down what every bond investor needs to know. Host: Mike Disabato, MSCI ESG ResearchGuest: Jakub Malich, MSCI ESG Research

Guest Speakers: Ketan Mehta, CEO, PrimeRx David Kirkus, Vice President of MARKET, PrimeRx KEY TAKEAWAYS: PrimeRx is the first pharmacy software to embed a real-time marketplace into dispensing. Pharmacies gain cost control, supply diversification, and workflow efficiency. This innovation comes at a critical time as tariffs and economic pressures escalate.

This week on Special Conditions, we step away from the usual gameplay and collecting chatter to honor a community staple—The Grading Authority (TGA). After years of serving the hobby, TGA is officially closing its doors, and with it comes the end of an era in card grading. Adam shares his heartfelt thoughts on what TGA meant to him personally and professionally, from the shows he attended with them to the friendships he made along the way. It's not just about slabs and grades—it's about the people, the stories, and the passion for Pokémon that connected everyone at TGA. Adam opens up about his experiences working alongside them, the lessons he learned, and the emotions that come with saying goodbye. While it's tough to see them go, this episode is as much a celebration of their contributions as it is a farewell. Of course, we still bring the heat with our usual segments—talking about the latest TCG buzz, strategies for the upcoming season, and the art of the game. But at the heart of it all, this episode stands as a tribute to TGA, a company that left a lasting imprint on the Pokémon community. 00:00 – Catching Up & This Week in TCG 04:20 – New Releases & Wild Products Hitting the Market 09:45 – Collector Struggles & Market Surprises 15:30 – Meta Talk & 2026 Rule Changes 22:10 – Strategy Spotlight: Prepping for Events 28:35 – Card Art Favorites & Community Shoutouts 35:50 – Honoring TGA: Impact on the Hobby 43:20 – TGA Memories & Emotional Farewell 57:40 – What's Next: looking forward in the hobby SpecialConditions@PokemonProfessor.com  Voicemail, Text, and Picture Line - 732-835-8639 https://linktr.ee/PokemonProfessorNetwork  Music provided by GameChops and licensed through Creative Commons ▾ FOLLOW GAMECHOPS ▾ http://instagram.com/GameChops http://twitter.com/GameChops http://soundcloud.com/GameChops http://facebook.com/GameChops http://youtube.com/GameChops http://www.gamechops.com Intro Music Trapped In A Pokéball Dj CUTMAN and Belthesar GameChops - Ultraball http://gamechops.com/ultraball/  http://soundcloud.com/DjCUTMAN http://soundcloud.com/belthesar Break Music He Walk - Furret / Accumula Town Remix  Dj Cutman http://soundcloud.com/djcutman  http://twitter.com/videogamedj  http://youtube.com/djcutman Outro Music Kanto Trainer Battle Mykah GameChops - Ultraball http://gamechops.com/ultraball/  https://soundcloud.com/mykah Hosts Adam Tuttle Justin Keller Pokémon And All Respective Names are Trademark and © of Nintendo 1996-2024Pokémon Professor and Special Conditions are not affiliated with Niantic Inc., The Pokémon Company, Game Freak or Nintendo #pokemon #pokemontcg #podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices

Eric Criscuolo, Market Strategist at the NYSE, recaps a week of mixed equity performance, with AI and semiconductor stocks leading while Apple lagged. Labor data revisions and rising jobless claims signaled a softer job market, raising Fed policy questions. Inflation data was mixed, with PPI cooling but CPI still elevated. Commodities saw a major copper merger and modest oil gains. Criscuolo flags next week's Fed decision and Powell's press conference as key market drivers.

Andrew, Ben, and Tom share thoughts ahead of next week's Fed meeting. Song: Minute by Minute - The Doobie Brothers  For information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

Ivan Vislavskiy, the CEO and Co-founder of Comrade Digital Marketing Agency, exemplifies the power of strategic thinking and collaboration in the ever-evolving digital marketing landscape. With a focus on local SEO and AI-driven content strategies, he emphasizes the importance of visibility and personalized engagement for businesses seeking to thrive. By developing comprehensive growth engines that integrate website optimization, reputation management, and targeted marketing efforts, Ivan helps clients differentiate themselves through specialization and quality, ensuring they stand out in a crowded marketplace. His approach to marketing is rooted in the belief that success requires a harmonious blend of technology and human insight. By leveraging AI tools alongside traditional marketing channels, businesses can enhance their strategies while maintaining authenticity. Ivan advocates for a collaborative culture, where shared vision and teamwork drive innovation and problem-solving, ultimately leading to better outcomes for clients. This philosophy is encapsulated in his motto, To go fast, go alone; to go far, go together, highlighting the importance of unity in achieving long-term growth. For those looking to elevate their marketing strategies and embrace the future of digital engagement, Ivan Vislavskiy offers valuable insights and services through his websites. Explore his speaking engagements and media presence here and discover the comprehensive digital marketing solutions provided by Comrade Digital Marketing Agency. Take action today to enhance your brand's visibility and drive sustainable growth in a competitive landscape. For the accessible version of the podcast, go to our Ziotag gallery.We're happy you're here! Like the pod?Support the podcast and receive discounts from our sponsors: https://yourbrandamplified.codeadx.me/Leave a rating and review on your favorite platformFollow @yourbrandamplified on the socialsTalk to my digital avatar

In this episode of The Distribution, host Brandon Sedloff speaks with Trent Iliffe about his unconventional path from aspiring filmmaker to leading logistics and data center development across Asia. Trent reflects on his early career in industrial real estate, the founding of LŌ-GOI Group, and how he helped grow the platform into a major player in the region. He shares candid insights into navigating partnerships, raising institutional capital, and ultimately reshaping his focus toward logistics, data centers, and renewable energy. The conversation also explores the opportunities and challenges in emerging markets like India and Vietnam, and the importance of knowing what you don't want to be as an entrepreneur. They discuss: Trent's early career shift from film to industrial real estate The founding and evolution of Logos into a global logistics platform Launching LŌ-GOI Group with a focus on logistics, data centers, and renewable energy Market dynamics and growth opportunities in India and Vietnam Lessons in leadership, partnerships, and maintaining control as an entrepreneur Links: Trent on LinkedIn - https://www.linkedin.com/in/trent-iliffe-81219573/ LŌ-GOI Group - https://lo-goigroup.com/ Topics: (00:00:00) - Intro (00:02:24) - Trent's early career: From film to industrial real estate (00:03:11) - Building a career in industrial real estate (00:04:07) - Venturing into China: Setting up industrial business (00:05:15) - The birth of LŌ-GOI Group: Convincing investors in Australia (00:17:07) - Expanding horizons: From Australia to China (00:18:38) - Navigating partnerships and growth (00:23:27) - The evolution of LŌ-GOI Group: From logistics to data centers (00:31:11) - Renewable energy ventures (00:32:30) - Investment strategies and challenges (00:35:50) - Market insights: India and Vietnam (00:39:06) - Vietnam's manufacturing boom (00:44:58) - India's economic transformation (00:47:14) - Investor profiles and market dynamics (00:54:57) - Lessons from an entrepreneurial journey (00:58:13) - Conclusion and contact information

Market panel featuring Courtney Garcia from Payne Capital Management and Warren Pies, Co-Founder of 3Fourteen Research, analyzes today's trading action. Deepwater Asset Management's Gene Munster weighs in on Apple and broader tech sector developments. Hot IPO action as Black Rock Coffee CEO Mark Davis discusses the first day pop and the health of the consumer. Salesforce CEO Marc Benioff sounds off on Palantir and AI-driven changes to the sector. Vital Knowledge Founder Adam Crisafulli closes with next week's key market catalysts. 

In this week's episode of the ArtTactic Podcast, host Adam Green speaks with Daniel Cassady, art business reporter for ARTnews, about the mood at the Armory Show and what it signals for the fall season. They discuss whether the atmosphere felt more upbeat than the recent headlines of gallery closures, why it's important to understand the nuances behind those closures, and how this year's fair offered more thoughtful conversations between collectors and galleries rather than the frenzied sales of past editions. Daniel also shares insight into the types of works drawing the strongest demand, which are proving harder to place, and whether this edition shifted perceptions of the Armory's polarizing reputation, ultimately offering a snapshot of where the market stands heading into the busy months of auctions and fairs.

Apple ships hardware while everyone else ships AI press releases. The MOL quad debates whether Apple's “ignore the hype” strategy wins, why YC is full of “made-to-chart” AI startups, what unique conviction really means for investors, and how meme warfare is becoming the new GTM.Chapters: 01:02 – “Ozempic iPhone” and why “thin” might be back10:06 – Market reaction: “Not enough AI,” money flows to Oracle16:49 – YC protest: is relevance measured by outrage?25:47 – Creator-led startups as an investing edge26:49 – Khosla: bargain hunting is a poor AI bet37:20 – Why money feels unlimited again (FOMO returns)40:29 – Quiet shakeout: sub-$100M seed funds at risk42:05 – Crypto policy clarity as 2025 macro driver50:11 – Meme warfare: the next GTM playbookWe're also on ↓X: https://twitter.com/moreorlesspodInstagram: https://instagram.com/moreorlessYouTube: https://youtu.be/xzlAjHPZtW4Connect with us here:1) Sam Lessin: https://x.com/lessin2) Dave Morin: https://x.com/davemorin3) Jessica Lessin: https://x.com/Jessicalessin4) Brit Morin: https://x.com/brit

In this episode of Molecule to Market, you'll go inside the outsourcing space of the global drug development sector with Kaan-Fabian Kekec, Partner in Healthcare and Life Sciences at Simon-Kucher. Your host, Raman Sehgal, discusses the pharmaceutical and biotechnology supply chain with Kaan, covering: Being on the sunny side of consulting, and helping clients unlock growth. What makes a key strategic partnership both from a CDMO, and a sponsor perspective. The taboo subject of pricing and how it can be used to help unlock commercial positioning, and excellence. Common mistakes in BD teams, and the importance of value positioning. The hottest segments in the market right now, and some of the competitive drivers in today's market. Kaan leads the firm's Healthcare B2B and Pharma Services business globally, encompassing CDMOs, CROs, bioprocessing solutions, drug delivery, packaging, and more. He specializes in delivering end-to-end commercial strategies for CDMOs, advising on growth initiatives and supporting clients throughout the entire lead-to-deal process—from marketing and sales to proposal management and deal optimization. Molecule to Market is also sponsored by Bora Pharma (boracdmo.com) and Charles River (www.criver.com), and supported by ramarketing.  Please subscribe, tell your industry colleagues and join us in celebrating and promoting the value and importance of the global life science outsourcing space. We'd also appreciate a positive rating!

In Part 2, Brent Lee dives into market trends, the impact of interest rates, and the importance of mentorship and culture at Tower Agency. He also shares personal reflections on balancing business, family, and community while offering practical advice for both agents and clients. Joey Romero guides the conversation through key topics such as pricing strategies, adapting to market shifts, and the role of mentorship in fostering a supportive office environment. The episode also highlights Riverside's future growth and Tower Agency's commitment to building strong client relationships and deeper community engagement.Brent Lee is a Southern California–based real estate broker, entrepreneur, and community leader. As owner and broker of Tower Real Estate Agency, he has built one of Riverside's most respected independent brokerages, known for its agent-focused culture, high-performing team, and data-driven results for buyers, sellers, and investors. Beyond real estate, Brent serves as President of the Riverside Unified School District Board of Education, where he has championed initiatives to improve academic outcomes, expand career and technical education, and build stronger school–community partnerships. He is also co-founder of The Pick Group of Young Professionals, a leadership network fostering civic engagement and collaboration among Riverside's emerging leaders. Through his work in real estate, education, and community development, Brent is dedicated to building a stronger, more connected Riverside for future generations.In this episode:Market trends shaping buyer and seller behaviorHow interest rates influence deals and creative financing strategiesLocal insights on Riverside's real estate marketThe role of mentorship in shaping Tower Agency's cultureBalancing business success with community and family commitmentsBrent's reflections on personal and professional milestonesPractical advice for both real estate agents and clientsThe Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show

RenMac discusses how Fed politics and the upcoming FOMC decision are colliding with market expectations, why shutdown risks remain elevated despite hopes for cooler partisan tensions, and how tariffs with China, Mexico, and India are evolving in unexpected ways. The team also debates whether markets are signaling resilience or simply fibbing in the face of weak jobs data, rising slack, and slowing growth, while investors bet on a productivity boom to justify record highs.

In this episode of The Property Profits Podcast with Dave Dubeau, we sit down with seasoned real estate investor Mark Fansler, who has been in the game since he was just 18 years old. With more than four decades of experience and a vertically integrated business spanning funds, property management, construction, and marketing, Mark shares how he has built a real estate empire designed to thrive in any market cycle. Mark breaks down his unique approach to commercial mixed-use development and explains why diversification across occupancy types allows him to navigate market downturns with confidence. He also walks us through one of his most exciting projects in Colorado — a large-scale development that complements a nearby luxury resort community while filling a massive housing and retail gap.     - Get Interviewed on the Show! - ================================== Are you a real estate investor with some 'tales from the trenches' you'd like to share with our audience? Want to get great exposure and be seen as a bonafide real estate pro by your friends? Would you like to inspire other people to take action with real estate investing? Then we'd love to interview you! Find out more and pick the date here: http://daveinterviewsyou.com/

It's not that I'm so smart, it's just that I stay with problems longer. — Albert Einstein Yesterday's today's Trade Execution Summary Grid: Receive today's Trade Execution Summary Grid, our Complete Analysis & Predictions of Stocks, Bonds, Gold & Bitcoin, as well as our Trade Execution Instructions by becoming a Patreon Member at any of our three levels of support: https://bit.ly/CWPatreonSupport Sign up at Trading View access my platform and charts: https://www.tradingview.com/?aff_id=136493 How to Set Up Our Three Time Frame Chart on TradingView: https://youtu.be/wLwTnrtAOTA I have opened my page to sharing. Find me on TradingView at Thom Goolsby. Here at Charting Wealth, we focus on the reality of price movement by following trends. We teach you a simple and effective method to read stock, ETF and crypto charts, keep your emotions in check and learn when to buy and when to sell. Charting is your road map to the market and the riches it can offer. Forget the hype you see and hear in the financial news media. They are selling products in print ads and commercials. Focus on what is real, no matter how hard it can be to believe! Otherwise, you become a sucker or worse, a slave, to the delusion someone else wants you to believe. Use the lessons we teach every day to accurately chart any stock, commodity, ETF and cryptocurrencies. We give you daily, real life lessons with the five ETFs we track: S&P 500, NASDAQ 100, 20-Year Treasury Bonds, Gold and Bitcoin. We have all the tools you need to learn how to trade. For subscribers, we have a GREAT TRAINING to SUPERCHARGE your practice trading: “Fractional Shares: The Next Step After Paper Trading.” https://youtu.be/SXKSfrUnq0M If you are not a subscriber, become one! Subscribe for FREE to our daily market reviews & training at http://www.ChartingWealth.com We urge you to "Follow the charts, NOT the noise!” and want to help you follow the market and improve your knowledge of stock and ETF movements. Support our work at PATREON and receive GREAT benefits (training, gifts, etc...): https://www.patreon.com/user?u=14138154 Receive our STOCK ALERTS via TEXT when WEEKLY VERTICAL CROSSOVERS occur. Very valuable information! Less than 8 texts a month. Text “chartingwealth” to 33222 on your cell phone. At ChartingWealth.com, http://chartingwealth.com every day the market is open, we chart the S&P 500, NASDAQ 100, Gold & Bonds. In just a few short minutes, we give you a valuable training update and quickly review the trends we see taking place in the market. At the end of every week, we give you an overview of what happened over the last five days and what's on the calendar for the next trading week. DISCLAIMER: We offer NO advice and make NO claims to expertise of any kind. This site is dedicated to knowledge and education through our stock chart training, reviews and other information -- nothing more.

Jeff French and Ross Baldwin discuss the economic and commodity markets of corn, soybeans and livestock in this web-only feature.

Send us a textThe Paint by Murders - Harrisburg Homicide Mysteries podcast is an original podcast based on a series of unpublished mystery novels. It is written, hosted, and narrated by M. Travis DiNicola.This is the second episode of the fourth season.Paint by Murders – Harrisburg Homicide Mysteries, is an original podcast based on my mystery novels. Season four is based on my novella, A MARKET FOR MURDER, and each episode features subsequent installments from the story.In this series the Capital city and its art galleries, bars, restaurants, and long-held secrets are featured in these cozy-inspired mysteries that are as unpredictable as the mighty Susquehanna River it sits onPaint by Murders features the painter, and amateur detective, Keith Reed, his wife Ginger, their crew of neighborhood friends, and the cozy, but sometimes dangerous city of Harrisburg. In the last episode, the bludgeoned body of Richard Roth, the Market Master of the Broad Street Market, was found in the Belford's Bagels stall. Many people had issues with Richard, but Belford had been seen arguing with him the day before and now Belford has been arrested for murder. Ginger's boss Stephan, and his husband Adam, are old friends of Belford and have asked Keith to do what he can to prove Belford is innocent. With some regret and hesitation, he accepts. If you've been enjoying the episodes, please leave a review and share this with your friends.If you would like more information about the project, of have comments you would like to share, please do so on the social media pages where you found this, or email me at paintbymurders@gmail.comThanks for listening.

The American Angus Association Board of Directors met in Saint Joseph, Mo., Sept. 8-11 and covered a variety of topics including:  Long-range Association objectives  Research project updates Review of genomic ownership policy  Association financial forecasts and entity budgets Events and opportunities to come at the 2025 Angus Convention HOST: Mark McCully GUESTS: Jonathan Perry, chairman of the American Angus Association, has spent much of his life working in the purebred business. As general manager of Deer Valley, Perry developed an Angus program that balances all economically relevant traits in cattle that maintain structural soundness and phenotype. Perry and his wife established the Hickory House restaurant in 2014, and it specializes in serving 100% CAB-branded product.  Jim Brinkley, current vice chairman, has served on the American Angus Association Board of Directors for the past seven years. Along with their children, Crystal and Justin, Brinkley and his wife, Sherry, own 1,300 acres and 400 registered Angus cattle at Brinkley Angus Ranch (BAR).  Darrell Stevenson, treasurer of the American Angus Association Board and native of White Sulphur Spring, Mont., holds strong ties to the Angus breed and a history of activity in the Montana Angus Association. In 2019 Stevenson and his wife, Sara, expanded from Hobson onto a new unit in White Sulphur Springs to establish a later-calving herd operating as Stevenson Down T. Although separated by a mountain range, Darrell continues to breed and market genetics with Stevenson Angus Ranch. Mark Johnson, director on the American Angus Association Board, operates J&J Beef Genetics, LLC along with his wife, Brenda, and two daughters, Sydney and Charley, near Orlando, Okla. Johnson grew up on a centennial family farm in Deerfield, Mo. He attended Northeastern Oklahoma A&M junior college and later Oklahoma State University (OSU). He then completed his doctorate at Kansas State University in 1992. Since then, Johnson has been a professor of animal and food sciences at OSU and has served as supervisor of the OSU Purebred Beef operation for 32 years. RELATED READING:  President's Letter Driving Breed Improvement Amid Diverse Perspectives DNA Genotyping Policy and Benefits Don't miss news in the Angus breed. Visit www.AngusJournal.net and subscribe to the AJ Daily e-newsletter and our monthly magazine, the Angus Journal.

======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Lucas Downey compares the post-tariff rally to the post-Covid rally and highlights the factors he says can support the markets climbing even higher. He focuses in on money flows, pointing out major interest in AI-related companies. For example, he notes “non-stop inflows” into Seagate Technology (STX), and flows into healthcare companies like Humana (HUM). He believes it is a “stock picker's market” and says investors should focus on “best in breed” companies.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

The market seems a little crazy - it's just silly. What am I doing? I explain my portfolio right now. Here are the links to all the sales: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TRENDSPIDER - The best charting software EVER - just over $50/month with my link ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Interview with Rory Quinn, President & CEO of Yukon MetalsOur previous interview: https://www.cruxinvestor.com/posts/yukon-metals-cseymc-launching-major-drill-program-in-2025-7124Recording date: 10th September 2025Yukon Metals Corporation (CSE:YMC) represents a compelling early-stage copper and gold exploration opportunity positioned to capitalize on favorable market conditions and strong preliminary drilling results across three strategic properties in Canada's Yukon Territory.The company's flagship Birch project has delivered encouraging validation of its geological model, with scarn mineralization encountered in every drill hole across a substantial 750-meter strike length. The consistency of this mineralization is particularly significant for early-stage exploration, indicating a robust and extensive system with substantial discovery potential. Recent drilling has intersected up to 46 meters of continuous scarn mineralization between 250-300 meters depth, suggesting significant vertical continuity. Preliminary visual assessment by Dr. Quinton Hennigh, a highly respected geologist, indicates potential copper grades of 1.5-2% with accompanying gold content, though final assay results are pending.Complementing the copper focus at Birch, the Star River property presents exceptional high-grade silver and gold potential. Surface sampling has yielded remarkable results including up to 11,000 g/t silver and 101 g/t gold, with visible galena mineralization containing 1,800 g/t silver and 20% lead. Current drilling targets shallow mineralization at approximately 150 meters depth, supported by an 800-meter gravity anomaly that correlates with known high-grade surface showings.A critical value driver for Yukon Metals lies in its systematic approach to operational scaling through permit advancement. The company currently operates under Class 1 permits that limit operations to 10 people and restrict drilling scope. However, management is actively pursuing Class 3 permits that would dramatically expand capabilities to 50 people on site with virtually unlimited drilling capacity for a 10-year period. CEO Rory Quinn emphasized this represents a significant value inflection point, stating the permits will create a huge amount of value and enable much larger exploration programs.The company maintains a strong financial foundation with $11 million raised in April, supporting approximately 9,000 meters of drilling across the three properties. Management operates a lean structure with only a three-person Vancouver office, ensuring capital allocation is directed primarily toward exploration activities. This disciplined approach maximizes shareholder value while maintaining operational flexibility.Market conditions appear increasingly favorable for copper exploration, driven by electrification trends and supply constraints. Quinn noted strong institutional interest and the presence of generalist funds and US capital, describing current conditions as "the best vibe I've felt here in a long time" in what "really does feel like a bull market." The company's stock price has reflected this positive sentiment, advancing from $0.60 to the $0.80-$0.90 range following positive drilling results.The management team brings valuable experience and strategic relationships within the mining finance community. Key personnel include Keith Neumeyer, who helped structure the company and brings committed investor networks, and Patrick Burke, former head of capital markets at Canaccord Genuity. Quinn's background with Wheaton Precious Metals provides institutional market familiarity that should prove valuable as projects advance.With pending assay results, permit advancement progress, and favorable market conditions for strategic commodities, Yukon Metals appears well-positioned to deliver value through systematic project advancement and discovery potential across its diversified property portfolio.View Yukon Metals' company profile: https://www.cruxinvestor.com/companies/yukon-metalsSign up for Crux Investor: https://cruxinvestor.com

Rancho Mesa's Marketing & Media Communications Specialist Megan Lockhart sits down with Rory Anderson, Partner with the Tree Care Group, to discuss how tree care companies can navigate the insurance hard market.. Show Notes: ⁠⁠⁠⁠⁠⁠Subscribe to Rancho Mesa's Newsletter⁠⁠⁠⁠⁠⁠Host: Megan LockhartGuest: ⁠⁠⁠⁠⁠⁠Rory Anderson⁠Producer/Editor: ⁠Jadyn Brandt⁠Music: "Home" by JHS Pedals, “Breaking News Intro” by nem0production© Copyright 2025. Rancho Mesa Insurance Services, Inc. All rights reserved.

In this episode, Nicholas talks with PR strategist and Forbes thought leader Liana Zavo about building trust through third‑party validation, the role of video in modern PR, why press releases aren't a PR strategy, and how to repurpose earned media into months of content. We also cover her 21‑Day Personal Branding Challenge and Media Bootcamp.Chapters: 00:00 Intro 02:00 Liana's origin story 04:05 Going global & U.S. credibility 05:20 PR vs ads for trust 09:00 Social + AI changed PR 11:00 Press releases vs PR 13:10 The “Pink Book” 15:00 Practicing what you preach 16:30 21‑Day Challenge & BootcampFind out more rom Liana:https://zavomediapr.com/ Connect with me on:All my linksBecome a guestSign up for RiversideGet Descript #DigitalMarketing #Branding #PersonalBranding #MarketingInsights #SocialMediaStrategy

What's up with “the MIT study” that claims 95% of all AI pilots fail? Did anyone actually read it beyond the headline? (Dan did—and he has thoughts.)Also: the good, the bad, and the quietly dystopian side of putting AI in kids' classrooms.And… are robots really the thing Melania should be worrying about? That's just some of what Kwaku Aning, return guest and founder of Retrofuturism, and I get into on this very lively, very bubbly, and very uncrafted edition of CRAFTED.More new episodes—and a major update to the show—are coming soon. Subscribe in your favorite podcast app and get the newsletter at crafted.fm---Come hang with us at PopTechCome hang with us and see live recordings of CRAFTED., at PopTech! PopTech is a “curator of what's next” and this will be my third time at the conference. I keep going back because I get new ideas, new inspiration, and really get to know the attendees and speakers. This year's talk's include “A possibilist's guide to the future”, “AI: In service to human(ity),” “Vibe coding for human rights” and more. To see the full list of talks and speakers, see PopTech.org and if you've never been before and would like a discount, DM me on LinkedIn or email me: dan@modernproductminds.com ---Referenced in this episode:MIT study on AI profits rattles tech investors (Axios)Full 26-page MIT study (Scribd)AI Is a Money Trap (Ed Zitron)The Fever Dream of Imminent Superintelligence Is Finally Breaking (Gary Marcus in the NYTimes)How Chatbots and AI Are Already Transforming Kids' Classrooms (Bloomberg)Alpha School – the “AI-Powered Private School”Melania Trump Has a Warning for Humanity: ‘The Robots Are Here' (NYTimes)---Like this episode?You'll also like my conversation with Khan Academy's Chief Product & Learning Officer on what happens when AI becomes your tutor—and what it means for the future of learning.

In today's episode, we interview one of the top loan officers in the country, Jeramy Williams with Fairway Mortgage. We go over First Time Home Buyer loan programs, discuss the current state of Nashville's market, and discuss why purchasing a home in a growing city can be a life-changer. You can reach out to Jeramy directly at jwilliams@fairwaymc.com and learn more here.Featuring your host Jessica Randolph, President of The How To Buy A House Class™, a women-owned business providing free home-buying classes for all.Learn more and sign up for an-in person class in your city at https://www.howtobuyahouseclass.com/. Follow us at https://www.instagram.com/thehowtobuyahouseclass/.#1 Home Buying Class in the US | Accessible Home-Buying Education

From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored by CNBC's Jessica Ettinger.

In this episode of On the Record, brought to you by Associated Equipment Distributors, we take a look at how the additional 407 tariff lines to the steel/aluminum tariff list will mean for manufacturers and dealers.

Listen to the SF Daily podcast for today, September 12, 2025, with host Lorrie Boyer. These quick and informative episodes cover the commodity markets, weather, and the big things happening in agriculture each morning. All eyes are on the release of the September WASDE report today. Market traders anticipate small revisions to August figures, with corn yield trimmed by 2.5 bushels per acre and crop size reduced by 250 million bushels. Soybean yield is expected to fall slightly, and total crop size is forecast to be down 20 million bushels. Wheat stocks are steady, with larger production in South America. Corn and soybean exports surged year-over-year. Livestock markets are unaffected by Trump's beef price policy. Severe thunderstorms are forecast for parts of North Dakota and Illinois, posing flood risks. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of So You Want to Be a Real Estate Agent, Meredith Fogle is joined by Tina, who continues to navigate one of the most challenging buyer markets we've seen in years with professionalism, strategy, and relentless consistency.Tina shares her latest win and opens up about what's really keeping her successful: having more intentional conversations, using her CRM effectively, and leading buyers with clarity, urgency, and confidence. If your buyers are dragging their feet—or if your pipeline is feeling sluggish—this episode is packed with tactical shifts to re-energize your process and re-engage your clients.

Episode DescriptionJames sits down once again with cosmologist Brian Keating—longtime friend of the show and author of Into the Impossible: Focus Like a Nobel Prize Winner. In this candid conversation, they challenge each other's views on focus, curiosity, and the trade-offs of staying in your lane. Brian shares behind-the-scenes lessons from interviewing Nobel Prize winners, the thinking behind his new “Keating Test” for AI, and why communication matters as much as discovery in science.This episode isn't about self-help clichés. It's about real-world insights you won't hear anywhere else—whether it's why guarding your time is the most important skill, how to use flow states to sharpen your career, or why great breakthroughs depend on questioning the work of those who came before.What You'll LearnWhy Brian created the “Keating Test” as a new measure for true artificial intelligenceHow Nobel Prize winners balance intense focus with curiosity across disciplinesWhy communication skills matter as much as scientific discovery for lasting impactHow to guard your time from “time bandits” and apply the power of saying “no”Practical ways to find your lane—or combine lanes—while still pursuing flow and masteryTimestamped Chapters[02:00] The Keating Test: AI, free will, and the act of survival[06:00] Humor, history, and reclaiming the “worst joke ever told”[08:00] Friendship, TEDx, and 11 years of conversations[09:00] Lessons from Nobel Prize winners: beyond self-help habits[10:00] Publishing with Scribe/Lioncrest and connections to James and David Goggins[12:00] Into the Impossible, Volume One: why distilling Nobel wisdom matters[13:00] Imposter syndrome, Alfred Nobel, and Volume Two's focus[15:00] Donna Strickland, LASIK, and the power of saying no[18:00] Stay in your lane—or widen it? A debate on mastery and curiosity[23:00] Newton, Pascal, and the discipline of sitting in a room[26:00] Regrets, diversification, and finding flow[28:00] Crystallized vs. fluid intelligence in the age of AI[31:00] The importance of novelty—and the Lindy test[35:00] Math, reality, and the unreasonable effectiveness of ideas[38:00] Teaching quantum computing: bridging theory and life skills[43:00] From cryogenics to code: skills that outlast AI[47:00] Why communication defines success in science[50:00] Doing things that don't scale: relationships, meteorites, and networks[52:00] The missed opportunities of office hours—and how to build relationships[54:00] Reading theses, genuine curiosity, and non-scalable networking[55:00] Into the Impossible, Volume Two: life lessons and scientific breakthroughs[57:00] How old is the universe? The cosmic controversy[59:00] Gravitational waves, BICEP2, and losing the Nobel Prize[61:00] Dust, data, and the Simons Observatory's quest for origins[63:00] What comes next: Jim Simons' legacy and Brian's future bookAdditional ResourcesBrian Keating – Official WebsiteInto the Impossible: Focus Like a Nobel Prize Winner (Volume 2) – AmazonInto the Impossible: Think Like a Nobel Prize Winner (Volume 1) – AmazonLosing the Nobel Prize – AmazonDavid Goggins – Can't Hurt Me – AmazonSteven Pressfield – The War of Art – AmazonArthur Brooks – From Strength to StrengthJim Simons Biography (The Man Who Solved the Market) by Gregory Zuckerman – AmazonSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ever since interest rates started to rise in 2022, the American mortgage market has been stuck. With recent economic data, though, mortgage rates have been coming down and it's bringing buyers and refinancers out of the woodwork. Plus, Oracle's record breaking market day and the continued rise of the exchange traded fund. Tyler Crowe, Matt Frankel, and Jon Quast discuss: - Mortgage applications jumped the most in over three years - Oracle's multi-year backlog and the implications for AI - Exchange Traded Funds outnumbering stocks for the first tim - Stocks (and ETFs) on our radar. Companies discussed: RKT, UPST, ORCL, STX, AMD, QTUM, VTWO Host: Tyler Crowe Guests: Matt Frankel, Jon Quast Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Our Chief Asia Economist Chetan Ahya discusses how the evolving trade relationship between India and China could redefine global supply chains and unlock new investment opportunities.Read more insights from Morgan Stanley.----- Transcript ----- Welcome to Thoughts on the Market. I'm Chetan Ahya, Morgan Stanley's Chief Asia Economist. Today – one of the most important economic relationships of our time: India and China. And what the future may hold. It's Thursday, September 11th at 2 pm in Hong Kong.Trade dynamics between India and China are evolving rapidly. They are not just shaping their own futures. They are influencing global supply chains and investment flows. India's trade with China has nearly doubled in the last decade. India's bilateral trade deficit with China is its largest—currently at U.S. $120 billion. On the flip side, China's trade surplus with India is the biggest among all Asian economies. We expect this trade relationship to deepen given economic imperatives. India needs support on tech know-how, capital goods and critical inputs; and China needs to capitalize on growth opportunities in the second largest and fastest growing EM. Let's explore these issues in turn. India needs to integrate itself into the global value chain. And to do that, India needs Foreign Direct Investment from China, much like how China's rise was fueled by Foreign Direct Investment from the U.S., Europe, Japan, and Korea, which brought the technology and expertise. For India, easing restrictions on Chinese FDI could be a game-changer, enabling the transfer of tech know-how and boosting manufacturing competitiveness. Now, China is the world's manufacturing powerhouse. It accounts for more than 40 percent of the global value chain—far ahead of the U.S. at 13 percent and India at just 4 percent. The global goods trade is increasingly focused on products higher up the value chain—think semiconductors, EVs, EV batteries, and solar panels. And China is the top global exporter in six of eight key manufacturing sectors. To put it quite simply, any economy that is looking to increase its participation in global value chains will have to increase its trade with China. For India, this means that it must rely on Chinese imports to meet its increasing demand for capital goods as well as critical inputs that are necessary for its industrialization. In fact, this is already happening. More than half of India's imports from China and Hong Kong are capital goods—i.e. machinery and equipment needed for manufacturing and infrastructure investment. Industrial supplies make [up] another third of the imports, highlighting India's dependence on China for critical inputs. From China's perspective, India is the second largest and fastest-growing emerging market. And with U.S.-China trade tensions persisting, China is diversifying its exports markets, and India represents a significant opportunity. One way Chinese companies can capture this growth opportunity is to invest in and serve the domestic market. Chinese mobile phone companies have already been doing this and whether this can broaden to other sectors will depend on the opening up of India's markets. To sum up, India can leverage on China's strengths in manufacturing and technology while China can utilize India's vast market for exports and investment.However, there's a caveat: geopolitics. While economic imperatives point to deeper trade and investment ties, political developments could slow progress. Investors should watch this space closely and we will keep you updated on key developments. Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Welcome back Product Bosses! Let's talk about the truth: if you're waiting until November to plan your holiday sales, you've already missed half the season. Q4 is your biggest opportunity of the year, and in this episode, I'm giving you the 2025 Holiday Sales Strategy: Dos and Don'ts so you can finally stop winging it and start winning it.Whether you're selling on Etsy, Shopify, wholesale, or at in-person markets, I'll show you how to avoid the costly mistakes that leave money on the table and what to do instead so you can go into this holiday season prepared, confident, and ready to sell out.You'll learn:The 5 holiday sales strategies that actually move the needle in 2025The 5 mistakes that stall growth and kill your marginsHow to spotlight your best sellers, plan promotions early, and simplify your marketingWhy OPA (Other People's Audiences) is your shortcut to more visibility without ads or endless contentIf you've been feeling behind, unsure what to sell, or stuck relying only on social media, this episode is exactly what you need to reset, refocus, and finally have a Q4 that feels as good as it sells.Resources:Registration is officially OPEN for the Rock Your Holiday Promotions Challenge — our most popular free event of the year! In just 5 days, I'll help you map out your complete holiday promotional plan so you know exactly what you're selling, where you're selling, and how to make this your most profitable season yet.If you've ever wished that someone would just tell you exactly what works when it comes to scaling your product brand into real money, then I have something really special for you. I put together a special bundle of our top podcast episodes. Check out this totally free playlist of episodes here.Join our mailing list for access to additional training and support to turn your business into the best it can be.Consistent content is key to getting more people to see and buy your products. If you want to create great content but you don't know what to say, or you feel too busy, or you just don't want to be the face of your brand, no worries – because we've got you covered with a year's worth of consistent content that's sure to resonate with your audience! If you want to see how easy this can be, click here.Connect:Website: theproductboss.comInstagram: @theproductbossMentioned in this Episode:InstacartDiscover more about how Instacart can work for you!Click here to learn moreGlociUse Code JACQUELINESNYDER to get 15% OFF your order! Click here to shop now!

⚠️ The Collapse Chronicles – Episode: AI Takeover

What does it take to thrive in real estate when the market is constantly shifting? In this episode, Austin-based real estate data expert Eric Bramlett explores the challenges and opportunities of navigating fluctuating markets. From surviving downturns and staying lean to using data for smarter decisions, Eric shares practical strategies for agents and investors looking to adapt and grow in any economic climate. He also dives into Austin's unique market dynamics, lessons from past cycles, and the importance of persistence when conditions get tough. If you're ready to learn how to pivot and stay ahead no matter what the market throws your way, this episode is packed with insights you won't want to miss. Listen to this episode now! Links: Follow Eric Bramlett on Instagram Subscribe to Eric Bramlett on YouTube Check out Eric Bramlett's Website Follow Sara Denig on Instagram Follow Christina Leavenworth on Instagram Follow Aaron Amuchastegui on Instagram Get Hundreds of FREE Real Estate Tools From the Toolbox Join the 2026 Mastermind: Get your tickets HERE!

SUBSCRIBE to our newsletter: https://riskreversalmedia.beehiiv.com/subscribe Dan Nathan & Liz Thomas break down the top market headlines and bring you stock market trade ideas for Thursday, September 11th. —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media