Podcasts about negotiate

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Zach Shefska. Co-founder of CarEdge, a consumer-focused automotive platform he launched with his father in 2019. CarEdge was created to bring greater transparency, fairness, and efficiency to the car-buying experience through pricing data, negotiation tools, consumer education, and AI-powered resources. The conversation explores the current automotive market, rising vehicle prices, strategies for buying and selling cars, the role of AI in negotiations, and practical advice for consumers seeking to avoid costly mistakes. Purpose of the Interview 1. Educate Consumers About Car Buying Zach's primary objective was to help consumers become smarter car buyers by understanding vehicle pricing, trade-ins, inspections, warranties, financing, and negotiation tactics. 2. Promote Transparency in the Automotive Industry CarEdge was founded to level the playing field between dealerships and consumers by providing tools and information that reduce confusion and increase buyer confidence. 3. Showcase the Power of AI and Technology Zach discussed how AI is being used to assist consumers with vehicle negotiations and purchasing decisions, making the process more accessible and less intimidating. 4. Share an Entrepreneurial Success Story The interview highlights how Zach and his father transformed a simple YouTube channel into a nationally recognized platform that helps hundreds of thousands of consumers each year. Key Takeaways 1. Car Prices Have Reached Historic Levels One of the most eye-opening parts of the discussion was Zach's explanation of today's automotive market. Average new vehicle prices exceed $50,000. Average used vehicle prices exceed $28,000. Affordable entry-level vehicle options have become increasingly rare. Lesson: Consumers need to carefully budget and research before making a vehicle purchase. 2. Never Skip a Pre-Purchase Inspection Zach repeatedly emphasized that a pre-purchase inspection is the most important step when buying a used vehicle. An independent mechanic can uncover issues that may not appear on vehicle history reports. Lesson: Spending a small amount upfront on an inspection can prevent major repair expenses later. 3. Do Most of Your Homework Before Going to a Dealership Today's buyers can complete much of the purchasing process online. Consumers should: Research prices Compare vehicles Review financing options Understand ownership costs The dealership visit should mainly be for the test drive and final inspection. Lesson: Preparation creates leverage and confidence. 4. Think Beyond the Monthly Payment Many consumers focus only on monthly payments when evaluating vehicles. Zach recommends considering: Depreciation Insurance Fuel expenses Maintenance Repairs Financing costs Lesson: The true cost of ownership extends far beyond the monthly note. 5. Extended Warranties Can Be Negotiated Many consumers assume warranty packages and protection plans are fixed-price products. Zach explains that buyers should: Ask for the total cost Understand what is covered Negotiate the price if interested Lesson: Everything in the finance office is part of the negotiation process. 6. Separate Trade-Ins from Vehicle Purchases A major strategy discussed was treating a trade-in as a separate transaction. Before visiting a dealership: Obtain offers from CarMax Obtain offers from Carvana Use those offers as leverage Lesson: Negotiating the purchase and trade separately helps maximize value. 7. Reliability Matters More Than Ever When discussing dependable vehicle brands, Zach highlighted: Toyota Honda Mazda He noted that reliability should be a major factor in purchasing decisions because maintenance and repair costs significantly impact long-term ownership expenses. Lesson: A lower-maintenance vehicle often provides better long-term value. 8. Driving Cars Longer Is a Smart Financial Strategy Rather than frequently upgrading, Zach recommends keeping vehicles longer and extracting maximum value from them. Lesson: Reducing depreciation is one of the easiest ways to save money over time. Notable Quotes On Entrepreneurship "Being an entrepreneur is scary. Putting your name associated with something, there's a lot of responsibility associated with that." On Car Shopping "Do your wants versus needs analysis." On Used-Car Purchases "Get a pre-purchase inspection." On Ownership Costs "The cost of a car is not just your monthly payment." On Extended Warranties "Ask them what the actual price is of the coverage." On Trade-Ins "Treat buying a car and selling a car as two separate transactions." On Affordability "Don't be spending more than 20% of your gross take-home income on your car." On Long-Term Ownership "Drive your car into the ground." On Reliability "Toyota, Honda, Mazda." The CarEdge Value Proposition CarEdge is built around four core principles: Transparency Providing real-time pricing insights and market data. Consumer Empowerment Giving buyers the information and negotiating tools needed to make informed decisions. AI-Powered Assistance Using technology to simplify vehicle buying and negotiation. Consumer Education Helping people avoid common mistakes that cost buyers time and money. Overall Assessment This interview serves as both a practical consumer guide and an entrepreneurial case study. Zach Shefska explains how CarEdge is helping consumers navigate an increasingly expensive and complex automotive marketplace while using technology to make the car-buying process more transparent. The central message is simple: informed buyers make better decisions. Whether purchasing a new vehicle, shopping for a used car, negotiating a warranty, or evaluating a trade-in, success comes from research, preparation, and understanding the full cost of ownership before signing on the dotted line. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Zach Shefska. Co-founder of CarEdge, a consumer-focused automotive platform he launched with his father in 2019. CarEdge was created to bring greater transparency, fairness, and efficiency to the car-buying experience through pricing data, negotiation tools, consumer education, and AI-powered resources. The conversation explores the current automotive market, rising vehicle prices, strategies for buying and selling cars, the role of AI in negotiations, and practical advice for consumers seeking to avoid costly mistakes. Purpose of the Interview 1. Educate Consumers About Car Buying Zach's primary objective was to help consumers become smarter car buyers by understanding vehicle pricing, trade-ins, inspections, warranties, financing, and negotiation tactics. 2. Promote Transparency in the Automotive Industry CarEdge was founded to level the playing field between dealerships and consumers by providing tools and information that reduce confusion and increase buyer confidence. 3. Showcase the Power of AI and Technology Zach discussed how AI is being used to assist consumers with vehicle negotiations and purchasing decisions, making the process more accessible and less intimidating. 4. Share an Entrepreneurial Success Story The interview highlights how Zach and his father transformed a simple YouTube channel into a nationally recognized platform that helps hundreds of thousands of consumers each year. Key Takeaways 1. Car Prices Have Reached Historic Levels One of the most eye-opening parts of the discussion was Zach's explanation of today's automotive market. Average new vehicle prices exceed $50,000. Average used vehicle prices exceed $28,000. Affordable entry-level vehicle options have become increasingly rare. Lesson: Consumers need to carefully budget and research before making a vehicle purchase. 2. Never Skip a Pre-Purchase Inspection Zach repeatedly emphasized that a pre-purchase inspection is the most important step when buying a used vehicle. An independent mechanic can uncover issues that may not appear on vehicle history reports. Lesson: Spending a small amount upfront on an inspection can prevent major repair expenses later. 3. Do Most of Your Homework Before Going to a Dealership Today's buyers can complete much of the purchasing process online. Consumers should: Research prices Compare vehicles Review financing options Understand ownership costs The dealership visit should mainly be for the test drive and final inspection. Lesson: Preparation creates leverage and confidence. 4. Think Beyond the Monthly Payment Many consumers focus only on monthly payments when evaluating vehicles. Zach recommends considering: Depreciation Insurance Fuel expenses Maintenance Repairs Financing costs Lesson: The true cost of ownership extends far beyond the monthly note. 5. Extended Warranties Can Be Negotiated Many consumers assume warranty packages and protection plans are fixed-price products. Zach explains that buyers should: Ask for the total cost Understand what is covered Negotiate the price if interested Lesson: Everything in the finance office is part of the negotiation process. 6. Separate Trade-Ins from Vehicle Purchases A major strategy discussed was treating a trade-in as a separate transaction. Before visiting a dealership: Obtain offers from CarMax Obtain offers from Carvana Use those offers as leverage Lesson: Negotiating the purchase and trade separately helps maximize value. 7. Reliability Matters More Than Ever When discussing dependable vehicle brands, Zach highlighted: Toyota Honda Mazda He noted that reliability should be a major factor in purchasing decisions because maintenance and repair costs significantly impact long-term ownership expenses. Lesson: A lower-maintenance vehicle often provides better long-term value. 8. Driving Cars Longer Is a Smart Financial Strategy Rather than frequently upgrading, Zach recommends keeping vehicles longer and extracting maximum value from them. Lesson: Reducing depreciation is one of the easiest ways to save money over time. Notable Quotes On Entrepreneurship "Being an entrepreneur is scary. Putting your name associated with something, there's a lot of responsibility associated with that." On Car Shopping "Do your wants versus needs analysis." On Used-Car Purchases "Get a pre-purchase inspection." On Ownership Costs "The cost of a car is not just your monthly payment." On Extended Warranties "Ask them what the actual price is of the coverage." On Trade-Ins "Treat buying a car and selling a car as two separate transactions." On Affordability "Don't be spending more than 20% of your gross take-home income on your car." On Long-Term Ownership "Drive your car into the ground." On Reliability "Toyota, Honda, Mazda." The CarEdge Value Proposition CarEdge is built around four core principles: Transparency Providing real-time pricing insights and market data. Consumer Empowerment Giving buyers the information and negotiating tools needed to make informed decisions. AI-Powered Assistance Using technology to simplify vehicle buying and negotiation. Consumer Education Helping people avoid common mistakes that cost buyers time and money. Overall Assessment This interview serves as both a practical consumer guide and an entrepreneurial case study. Zach Shefska explains how CarEdge is helping consumers navigate an increasingly expensive and complex automotive marketplace while using technology to make the car-buying process more transparent. The central message is simple: informed buyers make better decisions. Whether purchasing a new vehicle, shopping for a used car, negotiating a warranty, or evaluating a trade-in, success comes from research, preparation, and understanding the full cost of ownership before signing on the dotted line. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Zach Shefska. Co-founder of CarEdge, a consumer-focused automotive platform he launched with his father in 2019. CarEdge was created to bring greater transparency, fairness, and efficiency to the car-buying experience through pricing data, negotiation tools, consumer education, and AI-powered resources. The conversation explores the current automotive market, rising vehicle prices, strategies for buying and selling cars, the role of AI in negotiations, and practical advice for consumers seeking to avoid costly mistakes. Purpose of the Interview 1. Educate Consumers About Car Buying Zach's primary objective was to help consumers become smarter car buyers by understanding vehicle pricing, trade-ins, inspections, warranties, financing, and negotiation tactics. 2. Promote Transparency in the Automotive Industry CarEdge was founded to level the playing field between dealerships and consumers by providing tools and information that reduce confusion and increase buyer confidence. 3. Showcase the Power of AI and Technology Zach discussed how AI is being used to assist consumers with vehicle negotiations and purchasing decisions, making the process more accessible and less intimidating. 4. Share an Entrepreneurial Success Story The interview highlights how Zach and his father transformed a simple YouTube channel into a nationally recognized platform that helps hundreds of thousands of consumers each year. Key Takeaways 1. Car Prices Have Reached Historic Levels One of the most eye-opening parts of the discussion was Zach's explanation of today's automotive market. Average new vehicle prices exceed $50,000. Average used vehicle prices exceed $28,000. Affordable entry-level vehicle options have become increasingly rare. Lesson: Consumers need to carefully budget and research before making a vehicle purchase. 2. Never Skip a Pre-Purchase Inspection Zach repeatedly emphasized that a pre-purchase inspection is the most important step when buying a used vehicle. An independent mechanic can uncover issues that may not appear on vehicle history reports. Lesson: Spending a small amount upfront on an inspection can prevent major repair expenses later. 3. Do Most of Your Homework Before Going to a Dealership Today's buyers can complete much of the purchasing process online. Consumers should: Research prices Compare vehicles Review financing options Understand ownership costs The dealership visit should mainly be for the test drive and final inspection. Lesson: Preparation creates leverage and confidence. 4. Think Beyond the Monthly Payment Many consumers focus only on monthly payments when evaluating vehicles. Zach recommends considering: Depreciation Insurance Fuel expenses Maintenance Repairs Financing costs Lesson: The true cost of ownership extends far beyond the monthly note. 5. Extended Warranties Can Be Negotiated Many consumers assume warranty packages and protection plans are fixed-price products. Zach explains that buyers should: Ask for the total cost Understand what is covered Negotiate the price if interested Lesson: Everything in the finance office is part of the negotiation process. 6. Separate Trade-Ins from Vehicle Purchases A major strategy discussed was treating a trade-in as a separate transaction. Before visiting a dealership: Obtain offers from CarMax Obtain offers from Carvana Use those offers as leverage Lesson: Negotiating the purchase and trade separately helps maximize value. 7. Reliability Matters More Than Ever When discussing dependable vehicle brands, Zach highlighted: Toyota Honda Mazda He noted that reliability should be a major factor in purchasing decisions because maintenance and repair costs significantly impact long-term ownership expenses. Lesson: A lower-maintenance vehicle often provides better long-term value. 8. Driving Cars Longer Is a Smart Financial Strategy Rather than frequently upgrading, Zach recommends keeping vehicles longer and extracting maximum value from them. Lesson: Reducing depreciation is one of the easiest ways to save money over time. Notable Quotes On Entrepreneurship "Being an entrepreneur is scary. Putting your name associated with something, there's a lot of responsibility associated with that." On Car Shopping "Do your wants versus needs analysis." On Used-Car Purchases "Get a pre-purchase inspection." On Ownership Costs "The cost of a car is not just your monthly payment." On Extended Warranties "Ask them what the actual price is of the coverage." On Trade-Ins "Treat buying a car and selling a car as two separate transactions." On Affordability "Don't be spending more than 20% of your gross take-home income on your car." On Long-Term Ownership "Drive your car into the ground." On Reliability "Toyota, Honda, Mazda." The CarEdge Value Proposition CarEdge is built around four core principles: Transparency Providing real-time pricing insights and market data. Consumer Empowerment Giving buyers the information and negotiating tools needed to make informed decisions. AI-Powered Assistance Using technology to simplify vehicle buying and negotiation. Consumer Education Helping people avoid common mistakes that cost buyers time and money. Overall Assessment This interview serves as both a practical consumer guide and an entrepreneurial case study. Zach Shefska explains how CarEdge is helping consumers navigate an increasingly expensive and complex automotive marketplace while using technology to make the car-buying process more transparent. The central message is simple: informed buyers make better decisions. Whether purchasing a new vehicle, shopping for a used car, negotiating a warranty, or evaluating a trade-in, success comes from research, preparation, and understanding the full cost of ownership before signing on the dotted line. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Join our upcoming live event at GREwebinars.com. It's called "The Seven Figure Solution" on August 27th at 8 PM Eastern. After listening to me for 12 years, learn how to finally put it all together for a coordinated, tax-efficient retirement and wealth plan.  Keith debunks alarmist predictions of an 80–95% housing crash and explains why inflation, constrained supply, and strong demand continue to put upward pressure on home prices.  He breaks down key trends in renter mobility, highlights how the AI boom is driving record-breaking rents in San Francisco, and contrasts "dopamine culture" and money maxing with GRE's philosophy of growing one's means through income property and leverage.  Keith also discusses how the Seven-Figure Solution framework helps real estate investors more effectively integrate properties, taxes, insurance, and retirement planning.  Episode Page: GetRichEducation.com/620 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. An alarmist calls for a housing price crash of 80 to 95 percent. We'll listen to it. This city's rents are up 26 percent annually. The rise of dopamine culture and money maxing has made its way into personal finance. Then an invitation to join us for a special event today on Get Rich Education.   Keith Weinhold  0:29   What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms MidSeal has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:35   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:51   Welcome to GRE from Naples, Italy, to Naples, Florida, and across 188 nations worldwide. You're listening to one of America's longest-running and most listened-to shows in the real estate world. This is Get Rich Education, and I'm Keith Weinhold. Yes, the very founder of this snaggle-toothed operation right here. I'm a longtime real estate investor myself, erstwhile writer for both Forbes and the Rich Dad Advisors, serving on the Forbes Real Estate Council, you can also see my work in the USA Today and Business Insider. I'm the creator of Real Estate Pays Five Ways and the Inflation Triple Crown. Oh, after all that, really, I'm just a shaved mammal with slack jaw, a highly leveraged hominid of the landed gentry, right before I discuss the housing price crash of 80 to 95% you know, keep in mind that most people think that if you're in real estate, then you've got to be either a realtor or a landlord. I am neither a realtor nor a landlord. People also think that it takes tons of money. It does not. Now you could pursue no money down strategies, but that takes some time to learn and skill to develop. Now I was a landlord in the early years of my real estate investing, but after about six years of that, I hired a property manager and never looked back. Therefore, keeping this mostly passive, a 20 to 25 percent down payment on a carefully selected residential rental property includes ones that today can still have purchase prices below 200k. That's purchased in a geographically investor advantaged market. Okay, that is the center of what we do here because when you own property this way, now you've got the margin where you can pay a property manager to enjoy the five ways that you're paid mostly passively. Be a savvy borrower.   Keith Weinhold  4:02   Now, when you're between deals and accumulating capital to add the next piece of property to your rental portfolio, that's where you can flip and do the opposite in the short term and be a real estate lender for perhaps an eight to 10% stable return. That's what I do, rather than getting three and a half percent, which is the going rate today in a high yield savings account. So be a lender between deals in the short term, or you're a savvy borrower long term. Now the late analyst at Housing Wire, and he was also a past guest here on the show, Logan Modashami, he brought this 80 to 95% housing price crash media piece to my attention. It's in the form of a meta reel that got a lot of attention. Let's play it. I mean, this type of nonsense circulates out. It's not founded on anything substantive, and this just absolutely does not serve anybody. You've got to take this type of thing as entertainment, but it's being presented in a serious, informative way, and just listen to the basis for the claim.    Hayden Weston  5:19   The United States housing market is about to collapse 80 to 95 percent, which means that homes that were worth 1.5 million are going to be worth 300,000. The reason is simple: the U.S. housing market has reached its most unaffordable level in history. People cannot afford to buy homes, and if people cannot buy homes, the market must correct. The question is how hard the market is going to crash, not if it will. According to CPI and price history data, this is predicted to be worse than the 2008 housing bubble. We are going to see prices drop 80 to 95 percent.   Keith Weinhold  6:02   A housing price collapse of 80 to 95 percent. This is from a platform called Hayden Trades. It has got to be the worst example of trying to steal attention rather than serving people. Gosh, don't even make 20% or 50% crash predictions anymore go for far higher, I guess. He says it is according to the CPI and price history data. This doesn't even make sense. Now the low affordability mentioned that part is true, and this is what's slowed home price appreciation. But here in the late 2020s, there was more upward pressure on home prices, not downward inflationary pressure, which is rampant. That is poised to raise replacement cost because a home is a bundle of land, labor, lumber, concrete, copper, and energy. America's best job markets face land and regulatory constraints that pressures prices upward, and regulations are not easily repealed either. There's a large reservoir of sideline buyers that still want to own, and single-family home construction is woefully insufficient, keeping the supply down. Indeed, there is more upward pressure on home prices, not downward. This coming inflation wave, that's exacerbated by war, is unfortunately, or fortunately, if you're positioned, it's poised to widen the K-shaped economy where winners win bigger and losers lose more. The boat is leaving the dock. Are you on it?   Keith Weinhold  7:54   The distance between the boat and the dock just keeps increasing, and eventually you won't be able to make the leap, the jump from the boat to the dock. Now, in the near term, because we're approaching the fall season, when you hear stats about median home prices, note that prices are lower in autumn and winter than they are in spring and summer. It happens pretty much every year. Now, why is this? Well, one reason is that a lot of people don't think about is simply the fact that smaller houses get sold in the winter compared to the summer. And why would this be? This is because families with school-age children who need larger homes get their deals done in summer months before school starts. That is one reason why median home prices are higher in the summer than they are in the winter. When you look at a long-term price chart of homes, this is why you see peaks each summer and dips each winter. Now, investors like us. Now we're not buying so much for school-age children considerations, but this phenomenon affects the median prices that you see quoted in most any market. That is how that works, and why homes present better in the summer too. Green lawns, Leaves, flowers, and natural light improve curb appeal. Some say buy when the snow is flying, sell when the flowers are blooming.   Keith Weinhold  9:32   Shortly, I want to tell you about the city with rents that are up 26% year over year, and there's no end in sight to those rent increases, either. But first, there's a significant national real estate trend. Now, a lot of times, the discussion about the rental market centers around the level of rents or the vacancy rate, and those metrics sure do matter. But what about tenant retention? That is. Renter mobility rate. How long do residents stay? Well, renter mobility is down, down, down. They are not moving around. That's the big trend. Tenants are staying longer. Renters are waiting longer to buy homes than prior generations did. I mean a lot of people are beginning to wonder if their starter home will arrive before their first social security check does? The share of renters planning to move within three years that has plunged since 2019 from 57% then down to just 37% now. This is according to a national survey from the New York Fed. 57 down to 37% that plan to move within three years. Yes, this means that even after the pandemic waned, renters plan to stay in place longer. Everyone is staying put longer, and what exactly is keeping all of those moving boxes in storage? You guessed it. Buying their own home is more difficult to afford. It's kind of like an obstacle course where the down payment is waiting at the finish line, which is a long ways away. It's like an ultra marathon. This decline in renter mobility. This is obviously good news for income property owners and landlords because vacancy and turnover are our greatest expenses. People are paying more.   Keith Weinhold  11:39   You know, it's interesting that many are staying and put because a lot of renters often pay three to 5% annual renewal increases, especially in single-family rentals. Among apartment dwellers, there are currently more move-ups than move downs. People willing to spend a little more, and part of this is because a lot of people have just simply given up, completely given up on buying a home, choosing instead to fritter away their money on DraftKings parlays, couchie predictions, meme coins, burritos whose delivery fees cost more than the burrito, and a dozen forgotten subscriptions quietly feeding on their checking account. Yeah, a lot of people have just given in. Besides falling renter mobility, there is also falling homeowner mobility. One reason it has fallen is due to the well-documented mortgage rate lock-in effect. But mobility is down among both groups, among renters and homeowners, for a few different reasons. Like I've mentioned in previous shows, America is aging, and older people move less. Remote work means people don't have to move for a job, and housing inventory remains limited. This means that there are few attractive alternatives to move into, whether you're a homeowner or a renter. Those are some reasons as to why mobility is down for both groups. And the New York Fed analysis shows that renter mobility it is especially weak among that subgroup that believes that they will never own a home. I mean, this group of people really isn't moving. They are staying in place even longer. This group that believes that they will never own a home, and this is a skew toward lower income renters for sure, but even upper income renters are staying longer. You know, I own a lot of single family rental homes myself, and I'm just thinking now, I can't even remember the last time someone's moved out. It might be over a year since anyone has moved. The average renter's perceived chance of ever owning a home that has fallen, and this is significant for investors. Okay, that percent of renters that ever hope to own a home has fallen from 52% back in 2015 down to just 35% last year. 52% down to 35% The amount of renters that think they'll ever own a home. Both single-family rental and apartment renters are staying longer. This is both types, and it's not because these renters stop wanting homes. About two-thirds say that they would prefer to own if they had the money to do so. This is substantial. The drop in American mobility rate. I mean, that part is actually decades long, and this seems to catch people off guard. A lot of people falsely believe that people are moving more often, and that's something I've touched on before. This deeply hurts.   Keith Weinhold  15:00   Certain industries like moving companies, furniture stores, and yes, real estate agents—all these groups of people have got to be wondering where did everybody go? The answer is nowhere. Apparently, they are not going anywhere. So the bottom line here, with this lack of mobility, is that renters feel locked out, owners feel locked in, and landlords feel locked up with their tenants staying longer. Although this is good news for landlords and investment property owners, you know there is one thing to be careful of amidst these longer tenant stays, and that is, well, say you buy a rental property with an existing tenant in place that's been there for a while, it's more likely then that that tenant is paying below market rent, and why would that be? Well, because generally, the longer a tenant stays, the more likely it is that the previous landlord gave them a break on the rent. Now, why does that happen? Well, landlords can get lazy about bumping up the rent, and see what's really going on is that the previous landlord, perhaps the person you bought the property from, they themselves bought the property at a much lower price years ago than you did today, and therefore their mortgage payment is lower, and therefore the lower rent was able to cover their mortgage payment. So they weren't too worried about it. But if you're buying at today's prices, well, then you cannot stand for yesterday's rent amount, and that's why it's more likely that you need to bump up the rent to market rent. Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report.San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, 6,020 dollars for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing. I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Chaley Ridge while it's on your mind. Start at RidgeLendingGroup.com. That's ridgelendinggroup.com. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Keith Weinhold  17:22   Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report. San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, $6,020 for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing.   Keith Weinhold  20:46   I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  21:23   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Robert Kiyosaki  22:26   This is our rich dad, poor dad author Robert Kiyosaki. Listen to Get Rich Education with Keith Weinhold, and there is I respect Keith. He's a very strong, smart, bright young man.   Keith Weinhold  22:47   Welcome back to Get Rich Education. I'm your host Keith Weinhold. The rise of quick hit dopamine culture has definitely hit the personal finance world, and this is not a good trend for a lot of Gen Zers, who are those age 14 to 29, sports gambling is increasingly a part of what they think is financial planning. A recent survey from the wealth management platform Betterment shows that 26% of Gen Zers, more than one in four, then consider sports gambling as part of a deliberate long-term financial strategy. If you think that's bad, more than half of Gen Zers, 52% say they've rerouted funds from investment over to sports betting in the past year, and that's versus just 24% of all Americans. Yes, the rapid legalization of sports gambling means it's never been easier to bet your whole paycheck that the Mets are going to lose 100 games this season. When a prediction market or a sports book starts to feel like a retirement strategy, we have a problem, and this is congruent with the rise of dopamine culture across all of society, where we've gone from playing sports, then to watching sports, and now to gambling on sports. In the kitchen, it's where we've gone from home cooking to leaving and getting fast food, to ordering Uber Eats, it's where media has gone from film and TV to streaming shows, and now with dopamine culture, it is watching reels. It's how shopping has gone from first high street shopping, then to Amazon and now to the TikTok shop. It's how communicating with people. It's gone from handwritten letters to sending emails to Snapchats. It's how we've gone from newspapers to breaking news to rage bait. As far as what we listen to for music, this rise of dopamine culture-it used to be vinyl records, and then Spotify playlists, and now it's trending sounds.   Keith Weinhold  25:11   It's gone from finding love to casual dating to infinite swiping. How about the way we look at and share photos? It's gone from photo albums to camera rolls to Instagram stories, and how about the way we access information with this rise of dopamine culture? It's gone from libraries to Google to Chat GPT, and that brings us to money maxing. Okay, yes, here in our finance world, the rise of dopamine culture has led to this. Yes, that is apparently a word now. Money maxing-it's all one word with 2x's. It sounds like something invented by a 22-year-old who's got three credit cards, three hoodies, and one fork. Okay, but money maxing-that is one of the newest personal finance trends spreading across social media. Now, the maxing stuff in that whole suffix that first became popular through terms like looks maxing, which means trying to maximize your physical appearance, whether you're male or female, and now people are sleep maxing, health maxing, career maxing, and I guess it was just inevitable until they were money maxing. And what it really means is optimizing your financial life so that every dollar works harder for you. That could include using a high yield savings account, earning credit card points and rewards, automating your investments, negotiating bills, and eliminating wasteful spending-eh, in other words, it's just another internet reinvention of financial responsibility. I mean, your grandparents just called it being sensible.   Keith Weinhold  26:58   Now, I do like the fact that young people are talking about money. I mean, as we've covered before, financial education is desperately needed. Schools will teach you about the parts of a biological cell, but surely not how to read a mortgage statement. So you can graduate knowing that mitochondria are the powerhouse of the cell, while believing that a tax refund is free money from the government. So you know, directionally, money maxing is good, but see, it usually only focuses on one side of the equation. That's the problem with money maxing. It only focuses on spending less. And here at GRE we take a different approach. The old financial advice is live below your means, and GRE's philosophy is grow your means. You should only live below your means earlier in your financial life when you sort of have to and you need to form capital for investments. But grow your means so that you can have the means to do things. I mean, that is the point of financial betterment.   Keith Weinhold  28:09   Long term, financial betterment is certainly not sustainable by saving money by getting a haircut at home, only watching men's fast pitch softball at the Moose Lodge because it's free instead of going to a Major League Baseball game, saving $120 on air tickets by adding an extra layover on your trip itinerary, or a buy one get one free deal on Hillshire Farm Bacon. Now, of course, you shouldn't waste money if you're paying for six streaming services and you're only watching one. Well, cancel the others. If you carry a credit card balance at 24% surely extinguish that financial dumpster fire. But you cannot shrink your way to an extraordinary life. There is a floor beneath how little you can spend, there is no ceiling above how much value you can create for others. You can cancel your coffee, you can stop eating out, you can turn down the thermostat until your living room feels like a meat locker, but eventually there is nothing meaningful left to cut. That is the weakness in traditional money advice. It treats personal finance like a sinking ship, and it just hands you a bucket. Growing your means is building a bigger ship. The most powerful form of money maxing is not squeezing another 2% off your grocery bill. It is increasing your income. It is acquiring productive assets and creating systems that pay you repeatedly. I mean, saving 20 bucks is fine. Creating another income stream can continue for. Years. This is the difference between subtraction and multiplication. Most money-maxing advice really isn't different than that conventional advice. It's living in the world of subtraction. Cut this. Cancel that. Buy the generic cereal. Drive across town to save 12 cents per gallon. Hey, congratulations! You just spent 40 minutes of your finite life to save $2.80. Real wealth is built through multiplication. Multiply your income, multiply your skills, multiply your relationships, learn a new system, multiply the number of people you serve with rental property, and then multiply your money through productive assets. Now, this does not mean to spend recklessly. Growing means is not permission to inflate your lifestyle every single time your income rises, but it means directing more attention toward expansion than deprivation.   Keith Weinhold  30:59   Ask yourself a better question. Instead of asking how can I save another $100 this month, ask how can I create another $1,000 of monthly income. That very question activates a completely different part of your brain. Now maybe you develop a valuable skill. Maybe you negotiate your compensation. Maybe you start a business. Maybe you acquire an income property. Maybe you turn knowledge, intellectual property, or an audience into a recurring revenue stream. You start looking for leverage rather than looking for coupons and leverage, that is the real engine of what money maxing ought to be. Leverage means accomplishing more with less of your personal effort, and there sure are a lot of forms you can leverage other people's time. You can leverage systems and technology. We're going to talk about a system later here. You can leverage media where one message reaches 1000s or millions of people, and in real estate, you can leverage other people's money. You can scale. A few weeks ago, here I discussed four different types of scale. Real estate investors can get them all at the same time. If you remember, they are financial leverage, like with the five ways. There's operational leverage, there's geographic leverage, and finally replication. You use a relatively small down payment to control a much larger asset while your tenant pays you rent, that income helps cover the property's expenses and mortgage, and over time, inflation tends to lift rents and property values. While your fixed rate debt becomes easier to repay with diminished dollars, I mean that is real money maxing right there. In fact, GRE's real estate pays five ways framework might be the ultimate money maxing system. One property can produce cash flow; it can appreciate. Your tenant can gradually amortize your loan for you. You get the tax benefits, and inflation can transfer wealth from the lender to you through your fixed rate debt, five simultaneous financial benefits attached to one asset. Oh, and we're going to take that and compare that with saving 50 cents on toothpaste. Now, both things technically do improve your finances, but they don't even belong in the same zip code.   Keith Weinhold  33:41   Now, none of this means that every leveraged property is a good investment. In fact, leverage amplifies outcomes. A well-selected, properly financed property is going to accelerate your wealth creation. But a bad deal with thin reserves-hey, that can accelerate your introduction to an attorney. Money maxing still requires judgment. You want durable income, adequate liquidity, responsible underwriting, and you want to have enough reserves to withstand the inevitable surprise. Because every rental property eventually introduces you to something that is leaking, squeaking, or perhaps refusing to pay. The goal is not to optimize every dollar so aggressively that your financial life becomes fragile. And really, that is an important warning about all forms of maxing. Optimization can go too far. Someone might transfer money among five banks to chase these tiny promotional yields, and open 12 credit cards for bonus points, and then monitor every purchase with the intensity of airport security. Okay, I mean technically they're optimization. Their money, but they're also turning their life into like an unpaid accounting internship. Your money should create freedom, not become another demanding employer. Effective money maxing focuses on the big levers first. Get some big wins. Increase your earned income. Own those productive assets. Use good debt prudently. Reduce taxes legally. Protect yourself against catastrophic losses. Maintain liquidity, and then optimize the smaller expenses. Do not spend three hours clipping coupons while ignoring a poorly structured $400,000 mortgage. You do not congratulate yourself on saving $9 on lunch while leaving 50k idle in an account that earns almost nothing. So we don't obsess over credit card points while carrying a balance because paying 24% interest to earn 2% cash back is not money maxing. That is like arithmetic getting mugged in an alley. And there's also an important difference between looking rich and becoming wealthy. Social media rewards visible consumption on things like cars, watches, first-class seats, rooftop dinners, actual wealth-that's something that's often invisible. It is the rental property quietly producing income. It is the ownership stake compounding in the background. It is the tax strategy that's never going to appear in a photograph, and it is the growing gap between what you earn and what you need to live.   Keith Weinhold  36:46   The person displaying the most wealth can have the least. The person saying very little might own the building. So yes, embrace money maxing. Know where your money goes. Eliminate the waste. Negotiate recurring expenses, automate your good decisions, and make your dollar purposeful. Each dollar, but don't stop with living below your means because that is only financial defense. Growing your means is financial offense. Saving money can make you more secure. Owning productive assets-that's what can make you free. The highest form of money maxing is not becoming the world's most efficient consumer. It is making the transition from consumer to owner. Own businesses, own equities, own real estate, own assets that produce value while you sleep, travel, or spend time with the people that matter to you. Because your time is limited, and yet your appetite for generic cereal is also limited. But your ability to create value, acquire assets, and grow your means. That is far less limited. Live below your means if you must, but don't stay there. Grow your means. That is true money maxing. And the number one reason that people don't acquire wealth. Do you know what it is? It's that it simply does not occur to them that they can.    Keith Weinhold  38:24   That is what Brian Tracy said. That is so incredibly simple, and it's true. If you want a money max, you need to have a great system. Let me tell you about a system called the Seven Figure Solution. Now you've been listening to me weekly for almost 12 years here, which I'm immensely grateful for. You've been earning money, investing well, and here with the seven-figure solution, you're going to be able to finally see how it all goes together. It's about making sure that your real estate and other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time, the liquidity is key because this is where a 401(k) or IRA limit you. Those vehicles have taxes and penalties if you want to use those funds early, and this does not.   Keith Weinhold  39:34   But the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach here, Naresh uses something like this, and he's in his 30s. It also gives you a significant tailwind during your investing career. Integrate the seven-figure solution the GRE way, where we have a conscientiousness about leverage in cash flow, and in this case, part of it is how to prove. Leverage a life insurance policy. When it's time to tap that policy's cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, and therefore you're using the funds in more than one place. That's the leverage, and then the IRS does not tax loan proceeds, and this reminds me of a billionaire borrowing against the value of their stock rather than having to sell any of those assets. And yet, this can be done tax-free. It's similar to what you can do with the seven-figure solution, even for non-billionaires, it is buy, borrow, die. This leverages an indexed universal life policy, and there is the right way to do this and the wrong way to do it. Part of the seven-figure solution is that your cash value can have an upside ceiling and loss protection on the downside. That's really something that you only care about more as you're closer to retirement. And there are some mistakes to avoid here. You don't just want to set up the seven-figure solution off of a website, and it's based on products that you might have heard of from companies like Nationwide and mass mutual. I strongly encourage you to learn more, see how it all goes together, and learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, and even a 721 and 1031 exchange. This is very much about you being able to picture your future, you've been building your real estate portfolio either from your investment coach or on your own. This is how the puzzle pieces finally are all going to go together. I am cordially inviting you to join us for a special live event, the Seven Figure Solution. It is co-hosted by our own GRE investment coach Naresh and Haven Bridges Jared, who you heard from on the show with me last week. By attending live from the comfort of your own home or from anywhere, you can have your questions answered in real time. It is this Thursday, the 27th, at 8 p.m. Eastern, 5 p.m. Pacific.   Keith Weinhold  42:23   Most people spend decades building wealth, and then they lose far too much of it because the retirement pieces were never designed to work with each other. So you're going to see how real estate, taxes, insurance, and retirement income can fit into one coordinated strategy, helping you grow and protect your wealth, access capital without immediately selling your assets, and potentially avoid losing hundreds of thousands of dollars to taxes unnecessarily. So it's not just another collection of disconnected financial tips. Really, it's your opportunity to finally see the entire retirement picture and understand what might be missing from yours. It's complimentary to attend. The longer you wait, the fewer options you could have. Decisions made today can affect your wealth for decades. Don't wait until retirement day to discover that your plan had expensive holes in it. There are some moving pieces here, so it's especially helpful that you attend this one live, and that way you can have any questions answered in real time, so that you really understand. And you might have been one of thousands of listeners that have attended our property webinars before, and they are important to building your portfolio. But this one could very well be more important in seeing your big picture, seeing your retirement, and seeing that your heirs aren't left with a giant tax bill too. You can reserve your seat now for the seven-figure solution at grewebinars.com again. That's grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  44:14   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  44:42   The preceding program was brought to you by your home for wealth building. getricheducation.com.

Join the free aligned business bookclubTHE 8 WEEK BRAND SYSTEMRepurpose Ai: Streamline your content creation and repurpose effortlessly with ⁠Repurpose Ai⁠.Later Content Scheduling: Simplify your social media strategy with ⁠Later⁠.Flodesk: Elevate your email marketing with Flodesk – get 50% off your first year using ⁠this link⁠.Other Resources:Submit a question to be featured on the podcast and receive live coaching! Send a voice note or fill out the⁠ question form⁠.Where To Find Us:Instagram:⁠ @sigma.wmn⁠TikTok:⁠ @sigma.wmn⁠Newsletter:⁠ Subscribe here⁠Threads:⁠ @sigma.wmn⁠Your business education does not always need to come from another course, mastermind or strategy session. Sometimes, the thing that changes how you lead, create, sell and make decisions is the right book at the right time. In this episode, we explore why reading can become one of the most valuable tools for women business owners who want to think more deeply and build more considered businesses.Clara shares the books that have shaped her business this year, the ideas that have influenced the way she approaches growth, and the lessons that have changed how she leads and makes decisions. This is not about consuming more information for the sake of it. It is about choosing resources that expand your thinking, challenge your assumptions and help you see your business from a new perspective.This episode is also an invitation to join the free Aligned Business Book Club, a community of more than 200 women business owners committed to learning, growing and thinking beyond surface-level business advice. If you want to strengthen your business mindset, develop sharper decision-making skills and connect with women who value thoughtful, sustainable growth, this conversation is for you.Tune in to hear:The books that have shaped Clara's business this year.Why reading can make you a stronger and more strategic business owner.How the right book can influence the way you lead, sell and make decisions.How to join a free community of more than 200 women business owners.Find the Complete Show Notes Here → ⁠https://sigmawmn.com/podcast⁠In This Episode, You'll Learn:Why your business education does not need to rely on courses and masterminds.How reading helps you develop stronger judgement and deeper business insight.Why thoughtful learning can support more intentional and sustainable growth.How books can challenge old patterns and expand the way you approach business.What to expect when you join the free Aligned Business Book Club.Themes & Time Stamps:0:00 – Intro: Why you need a personal business owner curriculum1:10 – What the free business book club is4:21 – This year's book club picks4:38 – Say What They Can't Unhear – communication & change7:02 – The 80/20 Principle – doing less, better10:05 – Negotiate, Influence and Persuade12:34 – Success Curious – redefining what success means13:53 – How to join the book club14:25 – Outro & call to action

With the 2026 Federal Budget reshaping tax incentives and many investors questioning whether traditional buy-and-hold strategies still make sense, where should property investors be looking next?In this episode, Veronica Morgan and Chris Bates are joined by property developer and educator Michael Tiemens to explore why small-scale property development is becoming an increasingly attractive strategy for investors seeking to build wealth through value creation rather than relying on market appreciation alone. Michael explains how subdivision and development can manufacture equity, while also highlighting the discipline, due diligence, and strategic thinking required to make these projects successful.Together, they unpack the realities behind successful development—from identifying the right sites and understanding buyer demand to conducting rigorous feasibility studies and managing finance, planning, construction, and market risks. They also challenge one of the biggest misconceptions in property investing: that tax benefits should drive investment decisions. Instead, the conversation focuses on building resilient investment strategies based on sound fundamentals, long-term thinking, and careful risk management.Whether you're an experienced investor looking to adapt to Australia's changing tax landscape or you're considering your first development project, this episode offers practical insights into how small-scale development can fit within a smarter, more sustainable property investment strategy. Tune in to discover why creating value—not simply waiting for capital growth—could be the key to building long-term wealth.Episode Highlights01:28 – The Budget Changes the Property Investment Game05:59 – Why Tax Shouldn't Drive Your Investment Strategy13:03 – What Happens When a Development Goes Off Track?18:58 – Buy Low, Create Value, Sell Smart21:15 – How to Negotiate a Better Development Deal23:56 – Build What Buyers Actually Want25:36 – The Battleaxe Block Objections Developers Face26:58 – Why Backyard Living Could Drive Buyer Demand28:59 – Why Property Fundamentals Matter More Than Tax32:20 – Can Partnering With Landowners Make Development Easier?36:27 – The Risks Developers Need to Spot Before Buying40:36 – Why Patience Could Be a Developer's Biggest Advantage43:08 – How to De-Risk a Property Development Project50:20 – Designing Developments Around Real Buyer DemandAbout the GuestMichael Tiemens is a property developer, educator, and founder of Develop Coach, where he helps aspiring and experienced investors navigate the complexities of small-scale property development. After building his own portfolio through subdivision and development projects, Michael has dedicated his career to teaching investors how to create wealth by manufacturing equity rather than relying solely on market appreciation.Drawing on years of hands-on experience, Michael specialises in development feasibility, site selection, subdivision strategy, and risk management. He is passionate about helping investors understand the commercial realities of development, equipping them with practical frameworks to assess opportunities, avoid costly mistakes, and make informed investment decisions in an evolving property market.Through his coaching, education, and real-world project experience, Michael has helped hundreds of investors develop the knowledge and confidence to approach small-scale property development with greater discipline, clarity, and long-term strategic thinking.Connect with MichaelInstagram | Michael TiemensLinkedIn | Michael TiemensWebsite | H.COResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3r0nnJrLUu3t1GpO7X3j6EIf you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

A buyer asks, "Can you do any better on the price?" Most artists feel their stomach drop — like they just lost something. I don't accept that premise. Want to join Patrick for a live webinar? He hosts one every Monday, Wednesday, and Friday. Register here: asf.today/webinar It's my strongly held belief that more art gets sold at a discount than at full price — especially at higher price points, especially in person. Once you know that, everything changes. You can prepare for negotiation, and you can negotiate on your terms. Last episode we covered the maths of pricing your art for Q4. This one is what happens after the price is on the wall: the rules, the tradecraft, and why the buyer who negotiates is the best thing that ever happened to you. In this episode: The premise I refuse to accept: that entering a negotiation means you're the one losing How I learned to reject a premise — the story of why I haven't been offended in decades A car dealer, a real estate agent, and Thomas Crown — why negotiating an art sale is different from every negotiation you've seen The one metric (new customers acquired per year) and the long game: you're not playing a one-shot game, and that changes everything Sun Tzu was right — the battle is won before it starts Your three rules: know your floor, have a range of pricing, and never give something up without getting something in return Why negotiation is the greatest thing that's ever happened: it signals intent My Craigslist career — over a million dollars of cars, boats, and gear, and what the "$7,500 cash, I'll pick it up today" guy taught me The serious buyer drives over to look at the car — for an artist, that's the phone call or the Zoom Get out of the DMs: every step from message to email to call to in-person gets more real The asks list: what to trade for instead of dropping your price Q4 is coming — which means sales are coming, which means negotiations are coming This week's homework: write your asks list before Q4. Know your floor on every piece and be comfortable with it. And decide right now what you'll ask for the next time someone asks you to come down. Related episodes: How to Price Your Art for Q4 — the maths this episode builds on Advanced Pricing Strategies for Artists and Photographers — the pricing opus, including the original negotiation rule Discounting Your Art or Photography. Should You? Why Your Website Will Still Be Working in 2055 — the long game

Grab the King Closer Blueprint: My Step by Step Sales Process for closing over 2,000 deals (Only $27): https://www.titaniumu.com/blueprintWant to work directly with me to close more deals? Go Here: https://www.titaniumu.comWant the Closer's Formula sales process I've used to close 2,000+ deals (FREE) Go Here: https://www.kingclosersformula.com/closeIf you're new to my channel my name is RJ Bates III. Myself and my partner Cassi DeHaas are the founders of Titanium Investments.We are nationwide virtual wholesalers and on this channel we share EVERYTHING that we do inside our business. So if you're looking to close more deals - at higher assignments - anywhere in the country… You're in the right place.Who is Titanium Investments and What Have We Accomplished?Over 10 years in the real estate investing businessClosed deals in all 50 states​Owned rentals in 12 states​Flipped houses in 11 states​Closed on over 2,000 properties​125 contracts in 50 days (all live on YouTube)​Back to back Closers Olympics ChampionTrained thousands of wholesalers to close more deals_________________________________With over 4,000 Videos, this is the #1 channel on YouTube for all things Virtual Wholesaling. SUBSCRIBE NOW!    https://www.youtube.com/@RJBatesIII_________________________________RESOURCES FOR YOU:If you want my team and I to walk you through how to build or scale your virtual wholesaling business from A to Z, click here to learn more about Titanium University: https://www.titaniumu.com(FREE) If you want to learn how to close deals just like me, The King Closer, then download the free King Closer Formula PDF: https://www.kingclosersformula.com/closeGrab Titanium Profits: Our exact system we use to comp and underwrite deals in only 4 minutes. (Only $99) https://www.kingclosersformula.com/titaniumprofitsSupport the show

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Rate and Review us on your favorite podcast app Join the conversation on our Discord Find us on Facebook Check out our merch store Twitter @TabletopChamps Don't forget to tell a friend! Ways to follow us: Lauren Twitter: @TheNat1Lady Kyle Twitter: @fung Ben Twitter: @thev0idman Matt Twitter: @rp_ggamer Steph Instagram: Nat20Steph

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Zach Shefska. Co-founder of CarEdge, a consumer-focused automotive platform he launched with his father in 2019. CarEdge was created to bring greater transparency, fairness, and efficiency to the car-buying experience through pricing data, negotiation tools, consumer education, and AI-powered resources. The conversation explores the current automotive market, rising vehicle prices, strategies for buying and selling cars, the role of AI in negotiations, and practical advice for consumers seeking to avoid costly mistakes. Purpose of the Interview 1. Educate Consumers About Car Buying Zach's primary objective was to help consumers become smarter car buyers by understanding vehicle pricing, trade-ins, inspections, warranties, financing, and negotiation tactics. 2. Promote Transparency in the Automotive Industry CarEdge was founded to level the playing field between dealerships and consumers by providing tools and information that reduce confusion and increase buyer confidence. 3. Showcase the Power of AI and Technology Zach discussed how AI is being used to assist consumers with vehicle negotiations and purchasing decisions, making the process more accessible and less intimidating. 4. Share an Entrepreneurial Success Story The interview highlights how Zach and his father transformed a simple YouTube channel into a nationally recognized platform that helps hundreds of thousands of consumers each year. Key Takeaways 1. Car Prices Have Reached Historic Levels One of the most eye-opening parts of the discussion was Zach's explanation of today's automotive market. Average new vehicle prices exceed $50,000. Average used vehicle prices exceed $28,000. Affordable entry-level vehicle options have become increasingly rare. Lesson: Consumers need to carefully budget and research before making a vehicle purchase. 2. Never Skip a Pre-Purchase Inspection Zach repeatedly emphasized that a pre-purchase inspection is the most important step when buying a used vehicle. An independent mechanic can uncover issues that may not appear on vehicle history reports. Lesson: Spending a small amount upfront on an inspection can prevent major repair expenses later. 3. Do Most of Your Homework Before Going to a Dealership Today's buyers can complete much of the purchasing process online. Consumers should: Research prices Compare vehicles Review financing options Understand ownership costs The dealership visit should mainly be for the test drive and final inspection. Lesson: Preparation creates leverage and confidence. 4. Think Beyond the Monthly Payment Many consumers focus only on monthly payments when evaluating vehicles. Zach recommends considering: Depreciation Insurance Fuel expenses Maintenance Repairs Financing costs Lesson: The true cost of ownership extends far beyond the monthly note. 5. Extended Warranties Can Be Negotiated Many consumers assume warranty packages and protection plans are fixed-price products. Zach explains that buyers should: Ask for the total cost Understand what is covered Negotiate the price if interested Lesson: Everything in the finance office is part of the negotiation process. 6. Separate Trade-Ins from Vehicle Purchases A major strategy discussed was treating a trade-in as a separate transaction. Before visiting a dealership: Obtain offers from CarMax Obtain offers from Carvana Use those offers as leverage Lesson: Negotiating the purchase and trade separately helps maximize value. 7. Reliability Matters More Than Ever When discussing dependable vehicle brands, Zach highlighted: Toyota Honda Mazda He noted that reliability should be a major factor in purchasing decisions because maintenance and repair costs significantly impact long-term ownership expenses. Lesson: A lower-maintenance vehicle often provides better long-term value. 8. Driving Cars Longer Is a Smart Financial Strategy Rather than frequently upgrading, Zach recommends keeping vehicles longer and extracting maximum value from them. Lesson: Reducing depreciation is one of the easiest ways to save money over time. Notable Quotes On Entrepreneurship "Being an entrepreneur is scary. Putting your name associated with something, there's a lot of responsibility associated with that." On Car Shopping "Do your wants versus needs analysis." On Used-Car Purchases "Get a pre-purchase inspection." On Ownership Costs "The cost of a car is not just your monthly payment." On Extended Warranties "Ask them what the actual price is of the coverage." On Trade-Ins "Treat buying a car and selling a car as two separate transactions." On Affordability "Don't be spending more than 20% of your gross take-home income on your car." On Long-Term Ownership "Drive your car into the ground." On Reliability "Toyota, Honda, Mazda." The CarEdge Value Proposition CarEdge is built around four core principles: Transparency Providing real-time pricing insights and market data. Consumer Empowerment Giving buyers the information and negotiating tools needed to make informed decisions. AI-Powered Assistance Using technology to simplify vehicle buying and negotiation. Consumer Education Helping people avoid common mistakes that cost buyers time and money. Overall Assessment This interview serves as both a practical consumer guide and an entrepreneurial case study. Zach Shefska explains how CarEdge is helping consumers navigate an increasingly expensive and complex automotive marketplace while using technology to make the car-buying process more transparent. The central message is simple: informed buyers make better decisions. Whether purchasing a new vehicle, shopping for a used car, negotiating a warranty, or evaluating a trade-in, success comes from research, preparation, and understanding the full cost of ownership before signing on the dotted line. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Was the 2026 National really overpriced, or were collectors simply experiencing the realities of a rising sports card market? In Part 1 of our post-National Sports Cards Live conversation, Jeremy Lee is joined by Joe Poirot and David Chase to break down what they actually saw on the show floor. Were dealers asking too much? Were there still deals to be found? And how much does your approach to a dealer affect the price you're ultimately able to negotiate? We get into comps, "not for sale" pricing, why dealers may be reluctant to sell at the last recorded sale, and the lost art of actually talking to people before asking, "What's your best price?" We also discuss the enormous demand for grading at the National, PSA and Beckett being overwhelmed, whether collectors should simply wait to submit their cards, and the growing fascination with MBA stickers and fourth-party card assessment. Plus, some National stories, the aftermath of a marathon week in Chicago, and plenty of interaction with the Sports Cards Live community. Featuring Jeremy Lee, Joe Poirot and David Chase.

OA1285 - This week on Rapid Response Friday: regulators, mount up! We take a closer look at the actual documents provided to the Senate Judiciary Committee by Attorney General nominee Todd Blanche which convinced John Cornyn and Thom Tillis to change their votes, how deregulation caused a national cyclospora outbreak (and the legal response to it), and state efforts to stop the “prediction market” racket which the Commodity Futures Trading Commission has been all too happy to ignore. And in today's footnote: three very different cases which prove why prediction markets shouldn't be a thing at all. Documents provided to the Senate Judiciary Committee by Attorney General nominee Todd Blanche on August 2, 2026 “Cyclospora is easy for doctors to miss. The US made it even harder to spot,” Dr. Robert B. Shipner, The Guardian (7/16/2026) Complaint in Null v. Taylor Farms, filed 7/21/206 Complaint in New York v. Kalshiex LLC, filed 7/31/2026 Check out the OA Linktree for all the places to go and things to do! Listen ad-free and support the show at patreon.com/law.

You Don't Get Paid What You're Worth. You Get Paid What You Negotiate.What if one conversation could completely change your financial future?In this episode of Casa De Confidence, Julie DeLucca-Collins sits down with executive career strategist, former Chief People Officer, and founder of The Salary Bump, Keri-Lynne (KL) Shaw, for one of the most practical conversations we've ever had about confidence, networking, salary negotiation, and career growth.After spending more than 30 years hiring thousands of professionals, Keri-Lynne noticed a common pattern. Brilliant people consistently undersold themselves. Women negotiated less often than men, people of color even less, and millions of dollars were being left on the table over the course of a career.This conversation isn't just about asking for more money. It's about understanding your value, preparing with confidence, building relationships that open doors, and learning how to advocate for yourself throughout your career.Whether you're interviewing for a new position, preparing for your annual review, or simply wondering if you're being paid what you're worth, this episode is packed with practical strategies you can start using immediately.In This EpisodeWhy confidence and ego are not the same thingThe biggest salary negotiation mistakes professionals makeHow to research what you're truly worthWhy compensation is much more than your paycheckNegotiating PTO, benefits, flexibility, bonuses, and equityThe importance of networking before you need a jobWhy 80% of jobs are found through relationshipsHow to prepare for difficult salary conversationsWhat to do when your raise request is deniedThe power of silence during negotiationsHow confidence directly impacts earning potentialClosing the gender and racial pay gapMemorable Quotes"You can only control two things: how you show up and how you treat others.""Less than 30% of women negotiate.""If they've made you an offer, they want you.""Eighty percent of jobs are found through your network.""Silence is one of your greatest negotiation tools."

Send us Fan MailArizona just passed a coercive control law, and the family bar, the bench, and the litigants are all figuring it out in real time. Billie Tarascio sits down with returning guest Dr. Cocchiola to look at what actually happened in Connecticut, where a nearly identical statute has been on the books since 2023. The answer matters for anyone facing an Arizona divorce, a custody fight, or a family court judge who has to sort out who holds the power in a relationship.Dr. Cocchiola is a therapist, expert witness, and coercive control researcher with almost four decades in the field. She testified in support of Connecticut's Jennifer's Law, trains judges and court professionals nationally through AFCC, runs a support group for male survivors, and co-authored a collection of survivor accounts from inside the family court system. She also lived it, which shapes how she talks about children, attachment, and what recovery actually takes.In this episode:- Understand why coercive control sits underneath domestic violence instead of beside it- Learn how Connecticut's Jennifer's Law has played out three years in- Spot the abuser traits that read as calm and credible in a courtroom- See how abusers flip the script and file coercive control claims against protective parents- Recognize post-separation escalation as the clearest signal courts overlook- Question the automatic 50/50 custody model and who it actually serves- Protect attachment when a child aligns with the controlling parent- Weigh the real risks of reunification camps and forced repair therapy- Document patterns with parenting apps and written records that hold up- Negotiate with an abuser who needs to believe the outcome hurt you- Rebuild your child's sense of safety as the parent who repairsChapters:00:00 Introduction to Coercive Control and Domestic Violence02:43 Understanding Coercive Control as a Trajectory of Behavior05:46 The Impact of Coercive Control Legislation08:18 Challenges in Family Court and the Weaponization of Laws11:13 The Role of Children in Coercive Control Dynamics13:58 Systemic Issues in Family Court and Child Safety16:49 Expert Testimony and the Nuances of Coercive Control19:47 The Complexity of Parenting Time Decisions24:01 The Role of Court Professionals in Family Dynamics27:02 Challenges in Family Court and Child Safety28:44 The Importance of Documentation and Boundaries31:27 Understanding Power Dynamics in Relationships34:41 Therapeutic Interventions and Their Complexities38:58 Advice for Family Law Professionals and LitigantsModern Law helps Arizona families through divorce, custody, and high-conflict cases across Phoenix, Mesa, and Scottsdale. Call 480-649-2905 or visit mymodernlaw.com to talk with our team.

Send us Fan MailYou negotiated at least three times last week. You may not have called it negotiating. You called it asking.And in every one of those moments, your case was strong. But whether it sounded strong helped determine the answer you received.Here is the pattern that costs high-performing women more than almost anything else: the case is usually solid, but the delivery comes apart in two specific, predictable, and fixable ways—softening and overexplaining.In this episode of Communicate to Lead, Kele Belton explains why a strong ask can still receive a soft no and what to do about it in the moment. Following one leader's story from soft no's to a clean, confident ask, Kele lays out a simple three-part structure for making requests well. She also draws an important distinction between being clear and being blunt—the difference that allows you to communicate directly without creating a reputation you did not want.What You Will LearnWhy the strength of your case is not the only factor that determines whether you get a yes.The two delivery habits that quietly weaken even a well-prepared request: softening and overexplaining.A three-part structure for making a request that lands as a clear position rather than a hope.Why the silence after your ask is one of the most powerful—and difficult—parts of the conversation.The difference between softening your position and keeping warmth in your delivery.How to stay in the conversation after an initial no without retreating into overexplaining.The reframe that can change how you approach compensation conversations.Who This Is ForThis episode is for high-performing women in middle and senior management who prepare thoroughly, make a strong case, and still leave conversations with less than they asked for. If you have ever softened an ask until it disappeared or buried a good point under five extra reasons, this episode is for you.Your Action StepTake one ask you have been carrying; the one you keep meaning to make but have not yet made. Write it as three sentences:The ask, stated in one line with a number in it.The reason, framed around business impact or consequence.The word “silence,” to remind you to stop talking after you make the ask.Read it out loud, remove every softener, and schedule the conversation this week.Mentioned in This EpisodeEpisode 188 - The Mid-Year Audit: 4 Questions to Ask Yourself Before Q4Common Questions About Negotiating at WorkWhy do I get a soft no even when my case is strong?Usually, the case is not the problem. Softening the ask and overexplaining can signal that the request is optional or uncertain before the other person has even responded. The fix is in how the ask is delivered, not in building an even longer case.Will being more direct make me seem aggressive?Not necessarily. There is a difference between softening your position, which weakens your ask, and keeping warmth in your delivery, which helps the message land. Clear and warm are not opposites.What should I do when the answer is no?Treat the first no as a position, not a verdict. Instead of retreating, ask, “What would need to be true for the answer to change?” That question shifts the conversation from whether to when and can surface conditions that had not been named.How is negotiating compensation different?The structure is similar, with one important rule: frame your reason around market value and contribution, not personal need. When the conversation shifts from what your work is worth to what you need to live, your leverage can weaken.Ready to Go Deeper?Knowing the structure is one thing. Building the actual ask for your situation—the evidence you bring, the number you name, and the way you open the conversation—is easier with someone in your corner who has done this work before.A Leadership Strategy Call is a complimentary 30-minute conversation where you can bring the real ask you are sitting on and build a plan together. Let's talk about where you are, where you want to go, and what it will take to get there.Book your Leadership Strategy CallAbout Your HostKele Belton is a communication and leadership facilitator, coach, and consultant who helps high-performing women in middle and senior management move from essential but invisible to seen, sponsored, and promoted through strategic communication. She is the founder of The Tailored Approach and host of Communicate to Lead.Connect with KeleLinkedIn: https://www.linkedin.com/in/kele-ruth-belton/Instagram: https://www.instagram.com/thetailoredapproach/Website: https://thetailoredapproach.comBook a Leadership Strategy Call: https://calendly.com/kele-thetailoredapproach/leadership-strategy-call

PJ hears from Terry Shannon chair of the Cork City Local Community Safety Partnership (formerly the Policing Committee) who says the dispute sees more dangerous offenders on the streets Hosted on Acast. See acast.com/privacy for more information.

On this podcast listen to Jerry talk to a difficult "tired landlord" and navigate his objections...With over 500,000 subscribers, this is the #1 channel on YouTube for all things wholesaling and flipping. SUBSCRIBE NOW! https://www.youtube.com/@FlippingMastery Podcast fan? Listen to your favorite Flipping Mastery TV videos on your favorite podcast platform! http://FlippingMasteryPodcast.com Jerry Norton went from digging holes for minimum wage in his mid 20's to becoming a millionaire by the age of 30. Today he's the nation's leading expert on flipping houses and has taught thousands of people how to live their dream lifestyle through real estate. **NOTE: To Download any of Jerry's FREE training, tools, or resources… Click on the link provided and enter your email. The download is automatically emailed to you. If you don't see it, check your junk/spam folder, in case your email provider put it there. If you still don't see it, contact our support at: support@flippingmastery.comGet Access to Unlimited Free Property Searches and Downloads: https://flippingmastery.com/propwireWholesaling & House Flipping Software: https://flippingmastery.com/flipsterpodMake $10,000 Finding Deals: https://flippingmastery.com/10kpodGet 100% funding for your deals: https://flippingmastery.com/fspodMentoring Program: https://flippingmastery.com/ftpodFREE 8 Week Training Program: https://flippingmastery.com/8wpodGet Paid $8700 To Find Vacant Lots For Jerry: https://flippingmastery.com/lfpodFREE 30 Day Quickstart Kit https://flippingmastery.com/qkpodFREE Virtual Wholesaling Kit: https://flippingmastery.com/vfpodFREE On-Market Deal Finder Tool: https://flippingmastery.com/dcpodFREE Wholesaler Contracts: https://flippingmastery.com/wcpodFREE Comp Tool: https://flippingmastery.com/compodFREE Funding Kit: https://flippingmastery.com/fkpodFREE Agent Offer Sheet & Scripts: https://flippingmastery.com/aspodFREE Cash Buyer Scripts: https://flippingmastery.com/cbspodFREE Best Selling Wholesaling Ebook: https://flippingmastery.com/ebookpodFREE Best Selling Fix and Flip Ebook: https://flippingmastery.com/ebpodFREE Rehab Checklist: https://flippingmastery.com/rehabpod LET'S CONNECT! FACEBOOK http://www.Facebook.com/flippingmastery INSTAGRAM http://www.instagram.com/flippingmastery

Australian Medical Association Victoria President Dr Simon Judkins joined Ross Stevenson and Russel Howcroft to talk about Victorian doctors walking off the job at key hospitals on Thursday, August 13.See omnystudio.com/listener for privacy information.

That offer your seller finds insulting may be the only offer capable of becoming a closed transaction. Before rejecting it, ask what the market is actually trying to tell you. In this episode, Tim and Julie Harris explain the difference between a true lowball offer and an aggressive offer supported by market evidence. They break down how listing agents can prepare sellers before offers arrive, how buyer agents should determine an offer price, and why both sides must communicate before emotion destroys the negotiation. You'll learn why active listings need an updated CMA every two to four weeks, why a buyer who submits an offer deserves respect, and why the first offer may be the seller's best or only offer. Tim and Julie also explain how possession dates, leasebacks, closing costs, inspection terms, contingencies, earnest money, and convenience can save a transaction when the original price does not work. The biggest lesson is simple: never let a deal die in your court. Keep asking questions, identify what matters to each party, and explore every reasonable contract term before allowing the transaction to fall apart. For agents who want stronger negotiation scripts, better listing skills, and a serious long-term career path, explore Premier Coaching and Libertas at eXp Realty. Free training: HarrisRealEstateDaily.com Coaching: PremierCoaching.com Join eXp + Libertas: WhyLibertas.com/Harris Text Tim Direct: 512-758-0206 Opinions are my own and not the views of eXp Realty.

This one's personal. I was the martyr for years — I inherited it from my mom, who was always the bigger person, always said yes, and whose quiet reward was bitterness. Here's the day I saw I was choosing the same role, and what I did about it. Most of us think we're being kind — until the flash of annoyance hits. You agreed to help. You said, "Of course, no problem." And then you're irritated, maybe resentful, replaying it in the car wondering why you always end up being the one who bends. In this episode, it's just you and me on the difference between a clean yes — chosen, and meant — and the yes-that-meant-no that quietly runs up a debt you'll be collecting on for weeks. We name the trap almost no one says out loud: the quiet martyr, the one who keeps saying yes, keeps absorbing the cost, and privately waits to be appreciated for a sacrifice nobody asked them to make. The catch? No one else can see the ledger you've been keeping. Here's the part that puts the power back in your hands: every yes you don't mean teaches two lessons at once — you teach yourself your "no" doesn't count, and you teach other people how to treat you. So we walk through a simple, repeatable process to change it: Notice — catch the moment your automatic yes arrives faster than your honest one Name — why "I don't know yet" is one of the most honest sentences you own Negotiate — the third door most people miss, and why disappointment is information, not an instruction You'll leave with a 24-hour practice, a sentence you can use the next time you need more time to answer, and permission to let your yes mean yes again. Companion essay on Substack: "The Yes That's Been Costing You." If this resonated, there's probably an open loop of your own worth closing. My free Close the Loop tool walks you through it in about 15 minutes — a gentle place to start.

Most people think influencing someone means making a stronger argument. It doesn't. It means understanding what the other person wants.  Whether you're interviewing, negotiating a job offer, or trying to move an important conversation forward, the fastest way to change someone's mind isn't by pushing harder. It's by helping them achieve their goal. Today's lesson shows you exactly how using a common salary negotiation situation many job candidates face. If you'd like to build a great career and lead a rewarding life, check out some of these other places where I share my teachings: 1. Check out the milewalk Academy, my coaching and training site, for freemiums and premiums. 2. I have hundreds of educational and inspirational videos on my YouTube Channel. 3. Grab any of my four books related to career development, interviewing, hiring, and goal setting. All can be found on my Amazon Author Page. 4. Follow me on Instagram, LinkedIn, Twitter (X), TikTok, Threads, and Facebook. 5. Stay in touch with me in your email inbox by joining my newsletter here! --Andy

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The power of compromise can transform your marriage. But which compromises matter most? We break down what couples should negotiate and where to hold the line. Listen to gain the clarity you need to build a stronger, healthier marriage.We hope you enjoy it!-

Are you unknowingly giving away leverage every time you enter a negotiation?   Whether you're negotiating with clients, vendors, employees, or business partners, the outcome often depends on much more than price. In this episode, Bradley Hartmann shares five overlooked negotiation principles that can dramatically improve your ability to create better outcomes, avoid common traps, and negotiate with greater confidence.   In this episode you will Learn why understanding who actually has decision-making authority can completely change your negotiation strategy. Discover how deadlines, timing, and controlling the pace of a conversation influence the outcome more than most people realize. Understand how asking more specific questions and recognizing the hidden cost of doing nothing can help you uncover better solutions and create more mutually beneficial agreements.   If you want to negotiate with more confidence, avoid costly mistakes, and consistently create better outcomes for your business, this episode is packed with practical strategies you can start using immediately.   At Bradley Hartmann & Company, we help construction teams improve sales, leadership,  and communication by reducing miscommunication, strengthening teamwork, and bridging language gaps between English and Spanish speakers. To learn more about our product offerings, visit bradleyhartmannandco.com. The Construction Leadership Podcast dives into essential leadership topics in construction, including strategy, emotional intelligence, communication skills, confidence, innovation, and effective decision-making. You'll also gain insights into delegation, cultural intelligence, goal setting, team building, employee engagement, and how to overcome common culture problems—whether you're leading a crew or managing an entire organization. Have topic ideas or guest recommendations? Contact us at info@bradleyhartmannandco.com. New podcasts are dropped every Tuesday and Thursday.   This episode is brought to you by The Construction Spanish Toolbox —the most practical way for construction teams to learn jobsite-ready Spanish in just minutes a day over 6 months.        

Financial confidence during divorce starts with understanding your budget, gathering financial information, and learning how to negotiate without fear.If you don't understand your marital finances—or you've always relied on your spouse to manage the money—you are not alone. Divorce can suddenly require you to make decisions about budgets, retirement accounts, property division, spousal support, taxes, and your home while you are also experiencing grief and emotional overwhelm.In this episode of Doing Divorce Different, Lesa Koski sits down with Certified Divorce Financial Analyst Rhonda Nordick to explain how women can build financial confidence during divorce one small step at a time.Rhonda shares how her childhood experiences shaped her relationship with money and eventually inspired her to help women advocate for themselves financially. She explains why lasting confidence requires both knowledge and practical experience—and why trying to absorb too much financial information while experiencing divorce trauma can leave women feeling even more overwhelmed.You'll learn the first financial step to take when divorce becomes a possibility, how your current and projected budget affects property division and support, and how to identify gaps in financial information.Rhonda also introduces her BRIDGE Method for organizing the financial divorce process and teaches her powerful ANOT negotiation formula. This four-part approach helps women communicate assertively, make clear requests, and negotiate without becoming aggressive or abandoning their own needs.If fear, avoidance, or people-pleasing has kept you from participating fully in financial conversations, this episode will help you begin developing financial confidence during divorce. You do not need to understand everything today. You need the right information, the right support, and the courage to take your next small step.Listen, save, and share this conversation with someone who wants to make informed financial decisions and build financial confidence during divorce.Timestamps:(00:00) Introduction to financial confidence during divorce(01:45) Rhonda Nordick's personal money story and Bold Beginnings(05:10) How childhood experiences shape our beliefs about money(08:20) Lesa's experience with financial fear and unexpected retirement(10:15) Why confidence requires both financial knowledge and experience(13:05) Managing money decisions while experiencing divorce trauma(15:45) The first financial step: Understanding your spending and budget(18:20) How budgeting affects support, property division, and your home(20:15) Rhonda's BRIDGE Method for organizing divorce finances(23:30) Identifying missing information, income gaps, taxes, and liquidity(25:35) Why women may agree to unfair terms to avoid conflict(27:00) The ANOT negotiation formula explained(29:15) Example: Negotiating a home buyout or refinancing timeline(32:00) How people pleasers can communicate assertively without aggression(34:15) Using negotiation and communication skills beyond divorce(36:05) Final encouragement for building financial confidenceKey Takeaways:Financial confidence grows when financial knowledge is combined with practical experience and small successes.Your first step should be understanding your current spending and estimating your post-divorce expenses.Accurate budgets and financial documents are essential when evaluating support, property division, housing, taxes, and liquidity.Rhonda's ANOT formula—Acknowledge, Naturally, Obviously, and The Ask—helps you negotiate kindly and assertively.You don't need to learn everything at once; focus on the information required for the next decision in front of you.Guest Bio:Rhonda Nordick is a Certified Divorce Financial Analyst, educator, speaker, and author featured in the book Bold Beginnings. Drawing on her personal money story and years of teaching experience, Rhonda helps women understand complex financial information, evaluate divorce settlement options, and advocate for themselves without apology. She is featured in this episode because of her practical, trauma-informed approach to building financial confidence and negotiating during divorce.Resource Links:Rhonda Nordick's website and services: https://womensfinancialwellnesscenter.com/Schedule a Divorce Clarity Call with Lesa Koski: [Insert booking link]Learn more about OsteoStrong Minnesota: https://osteostrongmn.com/affiliate-referral-koski/Learn more about Soberlink for divorce and family law: https://www.soberlink.com/divorce/family-law?utm_source=affiliatelink&utm_medium=referral&utm_campaign=lesa-koski-affiliatelinkDisclosure: Some resource links may be affiliate links. If you use one of these links, Lesa may receive compensation at no additional cost to you.Tags/Keywords:financial confidence during divorce, divorce finances for women, divorce financial planning, Certified Divorce Financial Analyst, CDFA, divorce budgeting, divorce negotiation tips, negotiating a divorce settlement, financial preparation for divorce, women and money, divorce financial checklist, property division, spousal maintenance, spousal support, keeping the house after divorce, divorce mediation, divorce settlement negotiation, assertive communication, people pleasing in divorce, financial empowerment for women, BRIDGE Method, ANOT negotiation formula, Rhonda Nordick, Lesa Koski, Doing Divorce Different podcast, divorce podcast for women, midlife divorce, divorce help for women

Most EdTech companies pitch schools before they understand how decisions get made inside them. School budgets are tight, sales cycles are long, and trust is hard to earn and easy to lose. In a market this crowded, the vendors who succeed are rarely the loudest ones. They are the ones who understand what a school leader is weighing before they ever pick up the phone.Smita Kolhatkar has sat on both sides of that equation. She spent 15 years in high tech before becoming an educator, and today she is Assistant Head for Innovation, Responsible AI and EdTech at Gideon Hausner Jewish Day School in Palo Alto. She evaluates new products constantly, built her school's AI Tinkery program to teach AI literacy from kindergarten up, and has a clear, specific list of what earns her trust and what ends a conversation before it starts.In this conversation, Smita walks through her actual buying process: the no-gos that end a pitch immediately, why conference expo halls still outperform months of email outreach, and why a single "no" from her can quietly close the door at several other schools too. It's a clear look at what that decision-making looks like from the other side of the table, for anyone marketing or selling into K-12.What You'll LearnThe specific deal-breakers that end a vendor conversation immediately, including SSO integration and cross-platform compatibilityThe buying signals that earn her attention, and the outreach habits that shut a conversation down fastWhy a single school leader's "no" often reaches ten other schools through her professional networkWhy conference expo halls remain one of her most valuable discovery channels, even in a digital-first marketWhy AI literacy needs to start at age five, and how her school's AI Tinkery program puts that into practiceHer take on the no-screens debate, and why treating EdTech as all-or-nothing misses the real question schools are askingWhy It MattersEdTech companies are working in one of the toughest sales environments in years: tighter budgets, longer sales cycles, and a market flooded with AI tools faster than schools can evaluate them. What Smita describes is not just one school's experience, it is a window into how school leaders across the country are making these calls right now. She is not only a buyer, she is a connector: when something works, it moves through her professional network, and when something falls flat, that travels just as fast. For EdTech marketers and sales teams, the lesson is that a sale is never just to one person. The trust built or lost in a single conversation compounds across an entire network of schools.Resources Mentioned in this Episode:Gideon Hausner Jewish Day SchoolThe K-8 school where Smita serves as Educational Technology and Innovation Director.AI Tinkery at HausnerThe maker-style AI lab Smita built for students to experiment hands-on with AI tools and concepts.AI Tinkery at Stanford GSEThe Stanford Graduate School of Education program that inspired Smita's AI Tinkery model, credited to Dr. Karin Forssell.Stanford Accelerator for LearningAn overview of the Stanford initiative behind the AI Tinkery framework.AI Quests and Day of AIA resource Smita references for structured AI literacy activities.Hour of AI A companion resource to Hour of Code, focused specifically on AI literacy."The Learning Frontier"Hausner's AI in Education confererence for educators.Smita Kolhatkar on LinkedIn

Artificial intelligence needs data centers, but what happens when one wants to build in your community?In this final episode of our three-part series, Maurie and Jim Beasley shift the conversation from fear to preparation. Instead of asking whether data centers should come to town, they explore how communities can negotiate smarter agreements that protect residents while creating long-term benefits.They discuss:• Why your town has more leverage than you think• Protecting water before construction begins• Infrastructure improvements that should stay with the community• Roads, utilities, emergency services and broadband• Heat reuse, workforce development and long-term planning• Why a handshake isn't enoughIf a company wants something your community has, make sure your community receives something valuable in return.The goal isn't to stop progress.It's to make sure progress works for everyone.AI in Action is hosted by Maurie and Jim Beasley of AI Education Professionals.#AI #DataCenters #ArtificialIntelligence #Infrastructure #CommunityPlanning #Texas #Technology #EconomicDevelopment #Water #Broadband

What if everything you've been told about success is true...just not equally true? For generations, women have been given a roadmap to success. Work hard. Earn the degree. Build your expertise. Develop executive presence. Negotiate. Become exceptional. And millions of women have done exactly that. So why do so many still feel like the finish line keeps moving? In this episode of the Advancing Women Podcast, Dr. Kimberly DeSimone explores a question that has been at the center of her research, teaching, and leadership work for years: What if the problem isn't that women aren't following the roadmap? What if they're following it exactly? Using the metaphor of the classic street game Three-Card Monte (sometimes called Find the Queen), this episode examines why doing everything "right" doesn't always produce the same outcomes for everyone. Drawing on decades of research in organizational psychology, leadership, gender studies, and behavioral science, Kimberly explores how bias often shifts rather than disappears, as women become more qualified, more accomplished, and closer to positions of power. Rather than asking women to become even more exceptional, this episode asks a different question: What if the system keeps changing the rules? This Episode Explores: Why the traditional success roadmap doesn't always produce equal outcomes Why credentials alone aren't enough Adam Grant's discussion of the research on intelligence and likability Meritocracy: aspiration versus reality, and the "Prove-It-Again" bias The motherhood penalty, fatherhood premium, and the “second shift” Casuistic bias and how evaluation criteria quietly change depending on who possesses the qualifications Why exceptional women are often evaluated differently than exceptional men Why recognizing patterns is the first step toward changing systems Mentioned in This Episode: Walking on Broken Glass by Shannon Nutter & Julia Carrion Joan C. Williams' research on "Prove-It-Again" bias The Second Shift by Arlie Hochschild Continue the Conversation! Have you ever felt like the goalposts moved just as you reached them? I'd love to hear your thoughts. Why not add a comment on the Advancing Women Podcast Instagram page? ·        Instagram: @AdvancingWomenPodcast  ·        Facebook: Advancing Women Podcast  Connect with me on LinkedIn ·        LinkedIn: Dr. Kimberly DeSimone  Please share this episode with someone who needs to hear it and join the conversation. Every conversation helps us move one step closer to changing the game!

On Monday, July 20, President Trump signed three proclamations under Section 338 of the Tariff Act of 1930 — the first recorded use of the provision in nearly a century — imposing 50% tariffs on a wide range of Canadian goods, from wine to hockey sticks to cement, effective August 19. They apply regardless of CUSMA coverage.In this episode: exactly what was signed and what's excluded (energy, potash, fish, critical minerals); the White House's stated reason in its own words — that Canada was one of only two countries, alongside China, to retaliate against last year's tariffs; who actually pays a tariff (American importers and consumers on one side, Canadian order books and jobs on the other — the Prime Minister's own statement concedes it); the Carney and Ford responses; the untested 1930 law and the Supreme Court context; and the accountability question: the grievances were public for months, so where was the plan?SOURCES• White House fact sheet + Section 338 proclamations (July 20, 2026):• ABC News — administration briefing quotes (“hold Canada accountable,” alcohol/provinces detail): https://abcnews.com/Politics/trump-slaps-additional-50-tariff-canadian-goods/story?id=134929955• NPR — exclusions, CUSMA non-renewal, negotiation window to 2036, Carney statement: https://www.npr.org/2026/07/21/nx-s1-5901905/trump-imposes-tariffs-canadian-goods• Al Jazeera — Section 338 first use in nearly a century, product breakdown, USTR quote: https://www.aljazeera.com/news/2026/7/21/trumps-new-50-percent-canada-tariffs-what-products-are-affected-and-why• Al Jazeera — “direct violation” (Carney), China comparison, CUSMA coverage: https://www.aljazeera.com/news/2026/7/21/trump-imposes-50-us-tariffs-on-some-canadian-goods-citing-discrimination• CNBC — three proclamations detail, Ford “tariff for tariff” post, Section 338 “unused for decades”: https://www.cnbc.com/2026/07/20/trump-tariffs-canada-trade.html• CNN — August 19 effective date, Supreme Court context: https://www.cnn.com/2026/07/21/economy/trump-tariffs-who-is-next• Washington Post — announcement, “discriminatory” trade barriers framing: https://www.washingtonpost.com/business/2026/07/20/trump-says-he-will-impose-50-percent-tariffs-canada/Substack: https://kelsisheren.substack.comRumble: https://rumble.com/user/TheKelsiSherenPerspectiveX: https://x.com/KelsisherenInstagram: https://www.instagram.com/thekelsisherenperspective#Tariffs #Trump #Canada #CanadianPolitics #USPolitics #TradeBuy me a coffee! - https://buymeacoffee.com/kelsisherenLet's connect!Substack: https://substack.com/@kelsisherenRumble - https://rumble.com/user/TheKelsiSherenPerspectiveInstagram - https://www.instagram.com/thekelsisherenperspective?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw%3D%3DX: https://x.com/KelsisherenSUPPORT OUR PEOPLE - - - - - - - - - - - -Ketone IQ- 30% off with code KELSI - https://ketone.com/KELSIGood Livin - 20% off with code KELSI - https://www.itsgoodlivin.com/?ref=KELSIBrass & Unity - 20% off with code UNITY - http://www.brassandunity.com

Mastering the First 90 Days for New Executives Mastering the First 90 Days as a new CEO or executive? In this episode of the Health Search Partners podcast, Neil Marshall and Kurt Mosley break down proven strategies from the first 90 days book and real-world leadership experience. Whether you're searching for the best books on the first 90 days as a CEO, how to build a 90-day plan for new CEOs at tech startups, or a practical first 90 days summary for a first 90 days new job, this conversation delivers actionable insights.   Discover how to navigate organizational culture and leadership, understand what organizational culture really means, explore organizational culture types, dive into organizational culture theory, and answer the big question: can organizational culture be managed? Learn to secure small wins (with inspiring small wins quotes), execute powerful symbolic acts, and build credibility fast.   Main Topics Covered: Importance of the first 90 days for organizational impact Listening, learning, and earning trust as key leadership skills Powerful symbolic acts that build credibility rapidly Negotiating quick wins and meaningful actions upfront (small wins quotes) Recognizing and navigating organizational politics The significance of behavior and presentation in leadership success Strategies to foster team cohesion and avoid premature change Organizational culture and leadership — how to assess and influence it without rushing Building your personal 90-day plan while respecting existing organizational culture types   The Importance of the First 90 Days The initial 90-day window is a critical period for any new executive to build credibility and establish the foundation for their tenure. Neil Marshall and Kurt Mosley explain that this timeframe is the sweet spot for creating a positive first impression. Rather than rushing into formal strategic planning, effective leaders focus on listening, learning the organizational culture, and earning the trust of their people.   Symbolic Acts and Quick Wins Symbolic actions serve as powerful tools for signaling a new leadership approach. Examples include a CEO spending nights in hospital resident dorms to understand staff conditions. These visible, practical gestures often carry more weight than formal communications. Negotiate resources for quick wins during the hiring process so you can deliver immediate value.   Active Listening and Gaining Traction Kurt Mosley shares the “25-50-25 rule” — identify supporters, detractors, and the neutral majority, then focus on winning over the middle 50%. Go to employees' workspaces, ask what success looks like to them, and synthesize feedback into actionable themes.   Avoiding Common Pitfalls Don't move too fast on personnel changes. Ensure your behavior aligns with your stated values (“audio matches video”). Leaders must be quick to learn and observe but slow to impose their will until they've earned the right. Whether you're a new CEO in tech, healthcare, or any industry, this first 90 days summary equips you with the tools to succeed. If you're looking for the best books on the first 90 days as a CEO (including Michael Watkins' classic The First 90 Days), this episode brings the principles to life with real executive stories. Connect with Guests: Neill Marshall  LinkedIn: https://www.linkedin.com/in/neillmarshall/ Kurt Mosley  LinkedIn: https://www.linkedin.com/in/kurt-mosley-01893212   Connect With Tim Website: timstatingtheobvious.com Facebook: https://www.facebook.com/timstatingtheobvious YouTube: https://www.youtube.com/channel/UCHfDcITKUdniO8R3RP0lvdw Instagram: @TimStating TikTok: @timstatingtheobvious LinkedIn: https://www.linkedin.com/in/tim-staton-04b41a271/ SKOOL Community: https://www.skool.com/timstatingtheobvious-9537/about?ref=de9c7e65d8ba4eeabc1a8eea413c125b

The Lt. General thinks Trump "has done the right thing," but "this has expanded out." So what is next, in dealing with the Islamic Republic? Kellogg has opinions.

How to Stop Teen Push Back: The Brain Science of Conflict Management Picture this: It's Tuesday night. You ask your teenager a simple, reasonable question about their homework or chores. Suddenly, you're locked in a high-stakes standoff. Doors slam, voices rise, and before you know it, you're launching into a passionate, well-meaning lecture that you know they aren't listening to. We've all been there. As parents of adolescents, it's easy to feel like every interaction is a potential landmine. But what if the secret to ending teen pushback isn't arguing louder or laying down the law harder? What if the key is actually understanding the brain science behind the blowup? In this episode of The Impactful Parent, host Kristina Campos sits down with Mitch Weisberg—seasoned educator, conflict resolution trainer, and author of Mindshifting: Conflict and Collaboration. Together, they break down why well-meaning lectures backfire and how science-backed questions can flip your household script from chaos to genuine collaboration.   Episode Chapters: 00:00 - The Tuesday night standoff & brain science behind blowups 02:00 - Why your brain leaves the building in survival mode 02:56 - Conflict languages & non-complimentary statements 04:22 - Why lectures always backfire with teenagers 06:26 - The 5 Conflict Styles (Compete, Avoid, Accommodate, Collaborate, Negotiate) 10:23 - Parenting as mini-experiments & learning from feedback 12:46 - 3 immediate mind-shift tools for reactive parents 16:36 - How to ask curiosity-driven questions instead of lecturing 20:47 - Using strengths-based feedback to lower defenses 22:38 - The "Perhaps I Can" technique to boost teen confidence 26:45 - Overview of Mindshifting: Conflict and Collaboration 29:13 - The #1 fundamental truth for overwhelmed parents  

The social media giant Meta is reportedly negotiating a massive infrastructure agreement with the artificial intelligence startup Anthropic. This potential deal, valued at up to $10 billion, would involve Meta leasing its extensive data center capacity to help power Anthropic's high-demand AI models. Such a partnership marks a significant strategic shift for Meta, as it explores entering the cloud services market to monetize its heavy investments in hardware. While the two companies are currently competitors in the AI sector, the arrangement would provide Anthropic with essential computing resources while creating a lucrative new revenue stream for Meta beyond traditional advertising. This move follows similar large-scale hardware deals in the industry, highlighting the desperate global need for computational power to sustain modern AI development.

What would you do differently if you stopped worrying about what other people thought?Would you finally ask for the promotion? Speak up in senior leadership meetings? Negotiate your salary? Set the boundary you've been avoiding? Or stop apologizing for taking up space?For so many brilliant, high-performing women in demanding corporate careers, the biggest thingstanding between where they are and where they want to be isn't capability - it's the fear of other people's opinions.In this episode of Breaking Free from the Grind, I unpack why the need for approval quietly keeps talented women playing smaller than they're meant to and the leadership shifts required to stop making career decisions based on potential disapproval - and start leading from self-trust instead.In this episode, I'm diving in to discuss:Why fear of other people's opinions is one of the biggest hidden barriers to senior leadership - and how constantly worrying about being 'too much,' 'too ambitious,' or 'too difficult' keeps brilliant women from asking for what they want, setting boundaries, and fully owning their leadership.The difference between building your career around approval versus alignment—why decisions made to avoid disapproval will always pull you further away from the career and leadership identity you actually want to create.How to stop editing yourself and start leading authentically—including the mindset shift that allows you to let people misunderstand you, trust your own desires, and become the leader you're truly meant to be.If you've been making career decisions based on what your manager, colleagues, or team might think…If you've been shrinking your ambitions, softening your voice, or holding yourself back to make other people more comfortable…This episode will help you stop seeking permission - and start becoming the leader you already know you're capable of being.Next Level™ Leader Quiz: You're smart. Capable. Proven. So why does the next level still feel harder than it should? Take my free Next Level™ Leader quiz to uncover the hidden pattern slowing your rise…and what to do next. Take the Next Level™ Leader Quiz here. 30-min. Leadership Strategy Consult: On a private consult, we'll identify exactly where you're still operating as the doer, fixer, problem-solver, and safety net inside your organization. Together, we'll uncover the patterns keeping you overwhelmed and map out the leadership shifts required to help you lead more strategically, create stronger boundaries, and thrive at the next level without burnout. If you're serious about accelerating into your next level of leadership without sacrificing your sanity to get there, this is the place to start.  Book your 30-min. Leadership Strategy Consult here. About AmeliaAmelia Noël is an executive coach and former investment banking and consulting professional who helps high-achieving women in demanding corporate roles develop their Executive Edge™ to rise into senior leadership...and thrive there without burnout. Through her coaching, workshops, and podcast, Breaking Free from the Grind, Amelia helps women strengthen their executive presence, increase visibility and influence, communicate their value with confidence, and shift from overworking to leading more strategically at their next level. Her work blends over a decade of real-world corporate experience with practical leadership development to help women become the kind of leaders that bigger opportunities, and bigger rooms, are built for. Connect with Ameliawww.amelianoelcoaching.comIG: @breakingfreefromthegrindLinkedIn: Amelia Noel

Tyrus steps into the host chair for Brian Kilmeade to deliver his unfiltered take on today's biggest political and cultural shifts. Following the sudden passing of Senator Lindsey Graham, Tyrus honors his legacy as a rare patriot who put country over party. Later, Allen West joins the show to break down why "negotiating with the devil" never works. Plus, author and advocate Reagan Charleston joins to discuss a massive accountability era for big tech, and Kat Timpf stops by to expose the reality of bleeding bloated city budgets and why escaping the internet trolls is vital for your soul. [00:18:26] Allen West   [00:36:51] Reagan Charleston   [00:55:14] Elizabeth Pipko   [01:13:38] Karl Rove   [01:32:02] Kat Timpf Learn more about your ad choices. Visit podcastchoices.com/adchoices

When cash flow gets tight, most practice owners look at revenue first. But one of the biggest drains on your cash may already be sitting on your shelves. Excess inventory doesn't just take up space—it ties up working capital, increases expiration risk, and quietly chips away at your margins.  In this episode, I break down why inventory management deserves more attention in your financial strategy and share practical ways to manage injectables, retail skincare, and consumables more effectively. Small changes in how you purchase, track, and replenish inventory can have a meaningful impact on your cash reserves and overall profitability.  Buying More Inventory Doesn't Always Save You Money  Bulk discounts can be tempting, but they're not always the best financial decision. Purchasing more product than you can realistically use may lower your cost per unit, but it also locks up cash that could be used for payroll, marketing, or other growth opportunities.  Inventory should support your practice—not compete with it for cash. Before placing a large order, consider your usage rate, seasonality, payment terms, and how quickly that inventory will actually generate revenue.  Every Product Category Needs a Different Strategy  Not all inventory should be managed the same way. Injectables, retail skincare, and everyday consumables each serve a different purpose in your practice and carry different levels of financial risk. Creating category-specific inventory strategies helps improve cash flow, reduce waste, and ensure you're investing in products that support both patient demand and long-term profitability.  Establish inventory par levels for injectables, retail skincare, and consumables  Track inventory turnover and usage by provider  Monitor expiration dates, shrinkage, spoilage, and waste  Assign one team member ownership of inventory reconciliation  Adjust purchasing based on seasonal demand instead of automatic reordering  Negotiate flexible payment terms with vendors whenever possible  Make sure every product on your shelves has a purpose. When you consistently monitor inventory levels and adjust purchasing decisions based on real usage, you free up cash, protect your margins, and create a more efficient operation.  04:00 Managing inventory responsibilities  07:31 Managing Inventory and Cash Flow  11:19 Tracking inventory and usage metrics  15:47 Upselling and Packaging Services  16:52 Managing inventory and pricing strategy Good Inventory Data Leads to Better Financial Decisions  Inventory counts should do more than confirm what's on the shelf. They should tell you how inventory is moving through the practice and whether it's contributing to healthy cash flow.  When you regularly review inventory tracking alongside your financial reports, it's much easier to identify underutilized inventory, margin loss, or products that aren't generating the return you expected. That visibility allows you to make adjustments before small issues become expensive ones.  Cash Should Keep Working for Your Business  As your med spa grows, inventory becomes more than an operational task—it becomes a strategic financial decision. Expanding locations, hiring providers, investing in new technology, or building cash reserves all require liquidity. Every dollar tied up in excess inventory is a dollar that can't be invested elsewhere.  Practices that scale successfully understand how to balance inventory levels with demand. They know what products generate revenue, what products move slowly, and when it's worth negotiating better payment terms instead of purchasing more inventory. Managing inventory with intention doesn't just protect margins—it creates the financial flexibility needed to grow with confidence.  Follow Shannon & Keep What You Earn:   Shannon Weinstein is the founder of a fractional CFO firm specializing in helping 7-figure aesthetics and wellness practices scale with clarity, cash flow, and confidence.  Shannon is committed to helping med spa owners understand, fix, and maximize their business's enterprise value, offering actionable advice and resources, including a popular free video series specifically for aesthetics practice owners.  Connect with Shannon:  Fractional CFO Services and Executive Financial Review: https://www.keepwhatyouearn.com/  Connect with Shannon: https://www.linkedin.com/in/shannonweinstein  Watch full episodes: https://www.youtube.com/@KeepWhatYouEarn  Listen on your favorite podcast app: https://pod.link/1580071347  Instagram: https://www.instagram.com/shannonkweinstein/  The information shared is for educational purposes only and is not individualized financial advice. Aesthetics practice owners should consult a qualified professional before implementing financial strategies discussed here. 

Discover expert salary negotiation strategies with John Gates, founder of Salary Coach, on Beyond Confidence. Learn how to answer tough pay questions, avoid common mistakes, use leverage, and negotiate salary, bonuses, and benefits confidently—without risking job offers or relationships. Whether switching jobs or seeking a raise, boost your earnings and negotiate from strength.Beyond Confidence is broadcast live Tuesdays at 10AM ET on W4WN Radio - Women 4 Women Network (www.w4wn.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Beyond Confidence TV Show is viewed on Talk 4 TV (www.talk4tv.com).Beyond Confidence Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.Become a supporter of this podcast: https://www.spreaker.com/podcast/beyond-confidence--1885197/support.

Ep. 1014. Are you negotiating with your customer... or negotiating with yourself?In this episode I'm talking about Wallet Share—one of the biggest psychological mistakes we salespeople make.Too often, we assume a customer won't buy because we wouldn't. We project our own financial comfort level onto the customer, mistake silence for rejection, and start offering discounts or concessions before the customer has even objected.That's not negotiating with the customer. That's negotiating with yourself.In this episode, you'll learn: What Wallet Share is  Why salespeople talk themselves out of deals  How to stop negotiating from your own budget  Why silence isn't always rejection  How to present numbers with confidence and let the customer decide Whether you're selling cars, real estate, insurance, technology, or any high-ticket product, this sales principle will help you negotiate with more confidence and close more deals.Remember: "It's your obligation to give your customer options. It's their right to say yes or no."Don't negotiate from your wallet. Negotiate from their goals.TEXT ME!Support the show

When you hear the word negotiation, you probably think about salary discussions or business deals.But what if I told you that you're negotiating dozens of times every single day?From asking your spouse to help with dinner, to dividing household responsibilities, setting boundaries at work, or saying no without guilt—negotiation is happening constantly. And learning how to do it well can completely change your life.In this episode, I'm joined by negotiation and influence expert Attia Qureshi, former MIT faculty member, University of Michigan professor, and author of Never Settle. Attia shares simple, practical strategies that help busy moms advocate for themselves without creating conflict or damaging relationships.We discuss:Why negotiation isn't just for the boardroomThe everyday negotiations moms don't even realize they're havingA simple phrase that makes it easier to ask for help at homeWhy saying "just ask for what you want" often doesn't work for womenHow to negotiate for more support, time, and balanceThe hidden negotiation happening inside your own mindPractical ways to set boundaries without guiltHow practicing negotiation in small moments prepares you for the big onesIf you've ever found yourself saying, "It's just easier if I do it myself," this episode is for you.Text us your feedback or questions!Stay connected!Join us in The Supermom Society! Get all the details at thesupermomsociety.com!Get all our show notes, buy the book Secrets of Supermom, and more at our website: www.secretsofsupermom.comSecrets of Supermom on FacebookSecrets of Supermom on Instagram

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Zach Shefska. Co-founder of CarEdge, a consumer-focused automotive platform he launched with his father in 2019. CarEdge was created to bring greater transparency, fairness, and efficiency to the car-buying experience through pricing data, negotiation tools, consumer education, and AI-powered resources. The conversation explores the current automotive market, rising vehicle prices, strategies for buying and selling cars, the role of AI in negotiations, and practical advice for consumers seeking to avoid costly mistakes. Purpose of the Interview 1. Educate Consumers About Car Buying Zach's primary objective was to help consumers become smarter car buyers by understanding vehicle pricing, trade-ins, inspections, warranties, financing, and negotiation tactics. 2. Promote Transparency in the Automotive Industry CarEdge was founded to level the playing field between dealerships and consumers by providing tools and information that reduce confusion and increase buyer confidence. 3. Showcase the Power of AI and Technology Zach discussed how AI is being used to assist consumers with vehicle negotiations and purchasing decisions, making the process more accessible and less intimidating. 4. Share an Entrepreneurial Success Story The interview highlights how Zach and his father transformed a simple YouTube channel into a nationally recognized platform that helps hundreds of thousands of consumers each year. Key Takeaways 1. Car Prices Have Reached Historic Levels One of the most eye-opening parts of the discussion was Zach's explanation of today's automotive market. Average new vehicle prices exceed $50,000. Average used vehicle prices exceed $28,000. Affordable entry-level vehicle options have become increasingly rare. Lesson: Consumers need to carefully budget and research before making a vehicle purchase. 2. Never Skip a Pre-Purchase Inspection Zach repeatedly emphasized that a pre-purchase inspection is the most important step when buying a used vehicle. An independent mechanic can uncover issues that may not appear on vehicle history reports. Lesson: Spending a small amount upfront on an inspection can prevent major repair expenses later. 3. Do Most of Your Homework Before Going to a Dealership Today's buyers can complete much of the purchasing process online. Consumers should: Research prices Compare vehicles Review financing options Understand ownership costs The dealership visit should mainly be for the test drive and final inspection. Lesson: Preparation creates leverage and confidence. 4. Think Beyond the Monthly Payment Many consumers focus only on monthly payments when evaluating vehicles. Zach recommends considering: Depreciation Insurance Fuel expenses Maintenance Repairs Financing costs Lesson: The true cost of ownership extends far beyond the monthly note. 5. Extended Warranties Can Be Negotiated Many consumers assume warranty packages and protection plans are fixed-price products. Zach explains that buyers should: Ask for the total cost Understand what is covered Negotiate the price if interested Lesson: Everything in the finance office is part of the negotiation process. 6. Separate Trade-Ins from Vehicle Purchases A major strategy discussed was treating a trade-in as a separate transaction. Before visiting a dealership: Obtain offers from CarMax Obtain offers from Carvana Use those offers as leverage Lesson: Negotiating the purchase and trade separately helps maximize value. 7. Reliability Matters More Than Ever When discussing dependable vehicle brands, Zach highlighted: Toyota Honda Mazda He noted that reliability should be a major factor in purchasing decisions because maintenance and repair costs significantly impact long-term ownership expenses. Lesson: A lower-maintenance vehicle often provides better long-term value. 8. Driving Cars Longer Is a Smart Financial Strategy Rather than frequently upgrading, Zach recommends keeping vehicles longer and extracting maximum value from them. Lesson: Reducing depreciation is one of the easiest ways to save money over time. Notable Quotes On Entrepreneurship "Being an entrepreneur is scary. Putting your name associated with something, there's a lot of responsibility associated with that." On Car Shopping "Do your wants versus needs analysis." On Used-Car Purchases "Get a pre-purchase inspection." On Ownership Costs "The cost of a car is not just your monthly payment." On Extended Warranties "Ask them what the actual price is of the coverage." On Trade-Ins "Treat buying a car and selling a car as two separate transactions." On Affordability "Don't be spending more than 20% of your gross take-home income on your car." On Long-Term Ownership "Drive your car into the ground." On Reliability "Toyota, Honda, Mazda." The CarEdge Value Proposition CarEdge is built around four core principles: Transparency Providing real-time pricing insights and market data. Consumer Empowerment Giving buyers the information and negotiating tools needed to make informed decisions. AI-Powered Assistance Using technology to simplify vehicle buying and negotiation. Consumer Education Helping people avoid common mistakes that cost buyers time and money. Overall Assessment This interview serves as both a practical consumer guide and an entrepreneurial case study. Zach Shefska explains how CarEdge is helping consumers navigate an increasingly expensive and complex automotive marketplace while using technology to make the car-buying process more transparent. The central message is simple: informed buyers make better decisions. Whether purchasing a new vehicle, shopping for a used car, negotiating a warranty, or evaluating a trade-in, success comes from research, preparation, and understanding the full cost of ownership before signing on the dotted line. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Zach Shefska. Co-founder of CarEdge, a consumer-focused automotive platform he launched with his father in 2019. CarEdge was created to bring greater transparency, fairness, and efficiency to the car-buying experience through pricing data, negotiation tools, consumer education, and AI-powered resources. The conversation explores the current automotive market, rising vehicle prices, strategies for buying and selling cars, the role of AI in negotiations, and practical advice for consumers seeking to avoid costly mistakes. Purpose of the Interview 1. Educate Consumers About Car Buying Zach's primary objective was to help consumers become smarter car buyers by understanding vehicle pricing, trade-ins, inspections, warranties, financing, and negotiation tactics. 2. Promote Transparency in the Automotive Industry CarEdge was founded to level the playing field between dealerships and consumers by providing tools and information that reduce confusion and increase buyer confidence. 3. Showcase the Power of AI and Technology Zach discussed how AI is being used to assist consumers with vehicle negotiations and purchasing decisions, making the process more accessible and less intimidating. 4. Share an Entrepreneurial Success Story The interview highlights how Zach and his father transformed a simple YouTube channel into a nationally recognized platform that helps hundreds of thousands of consumers each year. Key Takeaways 1. Car Prices Have Reached Historic Levels One of the most eye-opening parts of the discussion was Zach's explanation of today's automotive market. Average new vehicle prices exceed $50,000. Average used vehicle prices exceed $28,000. Affordable entry-level vehicle options have become increasingly rare. Lesson: Consumers need to carefully budget and research before making a vehicle purchase. 2. Never Skip a Pre-Purchase Inspection Zach repeatedly emphasized that a pre-purchase inspection is the most important step when buying a used vehicle. An independent mechanic can uncover issues that may not appear on vehicle history reports. Lesson: Spending a small amount upfront on an inspection can prevent major repair expenses later. 3. Do Most of Your Homework Before Going to a Dealership Today's buyers can complete much of the purchasing process online. Consumers should: Research prices Compare vehicles Review financing options Understand ownership costs The dealership visit should mainly be for the test drive and final inspection. Lesson: Preparation creates leverage and confidence. 4. Think Beyond the Monthly Payment Many consumers focus only on monthly payments when evaluating vehicles. Zach recommends considering: Depreciation Insurance Fuel expenses Maintenance Repairs Financing costs Lesson: The true cost of ownership extends far beyond the monthly note. 5. Extended Warranties Can Be Negotiated Many consumers assume warranty packages and protection plans are fixed-price products. Zach explains that buyers should: Ask for the total cost Understand what is covered Negotiate the price if interested Lesson: Everything in the finance office is part of the negotiation process. 6. Separate Trade-Ins from Vehicle Purchases A major strategy discussed was treating a trade-in as a separate transaction. Before visiting a dealership: Obtain offers from CarMax Obtain offers from Carvana Use those offers as leverage Lesson: Negotiating the purchase and trade separately helps maximize value. 7. Reliability Matters More Than Ever When discussing dependable vehicle brands, Zach highlighted: Toyota Honda Mazda He noted that reliability should be a major factor in purchasing decisions because maintenance and repair costs significantly impact long-term ownership expenses. Lesson: A lower-maintenance vehicle often provides better long-term value. 8. Driving Cars Longer Is a Smart Financial Strategy Rather than frequently upgrading, Zach recommends keeping vehicles longer and extracting maximum value from them. Lesson: Reducing depreciation is one of the easiest ways to save money over time. Notable Quotes On Entrepreneurship "Being an entrepreneur is scary. Putting your name associated with something, there's a lot of responsibility associated with that." On Car Shopping "Do your wants versus needs analysis." On Used-Car Purchases "Get a pre-purchase inspection." On Ownership Costs "The cost of a car is not just your monthly payment." On Extended Warranties "Ask them what the actual price is of the coverage." On Trade-Ins "Treat buying a car and selling a car as two separate transactions." On Affordability "Don't be spending more than 20% of your gross take-home income on your car." On Long-Term Ownership "Drive your car into the ground." On Reliability "Toyota, Honda, Mazda." The CarEdge Value Proposition CarEdge is built around four core principles: Transparency Providing real-time pricing insights and market data. Consumer Empowerment Giving buyers the information and negotiating tools needed to make informed decisions. AI-Powered Assistance Using technology to simplify vehicle buying and negotiation. Consumer Education Helping people avoid common mistakes that cost buyers time and money. Overall Assessment This interview serves as both a practical consumer guide and an entrepreneurial case study. Zach Shefska explains how CarEdge is helping consumers navigate an increasingly expensive and complex automotive marketplace while using technology to make the car-buying process more transparent. The central message is simple: informed buyers make better decisions. Whether purchasing a new vehicle, shopping for a used car, negotiating a warranty, or evaluating a trade-in, success comes from research, preparation, and understanding the full cost of ownership before signing on the dotted line. #SHMS #STRAW #BEST Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Summary In this episode, Andy sits down with Attia Qureshi, a coach and negotiation expert who is co-author, with John Richardson, of Never Settle. There's no shortage of great negotiation advice out there, yet in real conversations with real stakes and real emotions, that advice often fails to turn into action. This book tackles that gap between insight and habit. Attia shares why emotions are not a distraction from negotiation but central to it, why getting clear about what you actually want is harder than it sounds, and how we leave value on the table without realizing it. You'll hear practical stories, from resetting a difficult relationship with a glass of lemonade to expanding the pie in a salary negotiation, plus small daily exercises for building resilience to rejection and learning to say no in a way that strengthens relationships rather than damaging them. If you're looking for practical, doable ways to become a more confident negotiator and influencer, this episode is for you! Sound Bites "You can get more by caring about what the other person needs and building a strong relational foundation." "People are not born amazing negotiators. They develop that skill over time, just like people are not born confident." "You have to practice that small step out in the real world where the stakes are low and build that skill day after day, month after month." "You and I have probably already negotiated half a dozen times today." "When someone gives us something, we want to return the favor." "New studies now show that 90 to 95% of decision-making comes from unconscious emotional processing." "So many of us quit before we even start." "But if we do have a goal and we do prepare for the conversation, our likelihood of success is double." "A good negotiation doesn't always mean getting 'yes' at the end of it." "I always tell my students, people can almost always help you. It depends on if they want to or not." Chapters 00:00 Introduction 02:06 Start of Interview 02:17 Growing Up: Early Lessons in Conflict 07:10 Negotiation and Confidence Are Skills, Not Personality 08:04 Life Is Full of Everyday Negotiations 10:30 Why Negotiation Training Often Fails 12:30 Resetting a Difficult Relationship 17:20 Influence vs. Manipulation 22:33 Emotions, Fear, and Building Resilience 28:00 Using the Emotion Wheel 29:36 Getting Clear on What You Really Want 33:39 Expanding the Pie: Creating Value 40:50 The Power of Saying No 47:27 Teaching Kids to Negotiate 51:23 End of Interview 51:55 Andy Comments After the Interview 55:22 Outtakes Learn More You can learn more about Attia and her work at AttiaQureshi.com. For more learning on this topic, check out: Episode 157 with Dr. Robert Cialdini. Known as the godfather of influence, his name came up several times during today's discussion, making this a great follow-up. Episode 412 with Scott Walker. A former Scotland Yard hostage negotiator who shares a lot of practical lessons about influence. Episode 385 with Vanessa Patrick. She wrote one of the best books on how to say no, a fitting companion to today's conversation. Chat with PMeLa You can chat directly with PMeLa—the podcast's AI persona—to get episode recommendations and answers to your project management and leadership questions. Visit PeopleAndProjectsPodcast.com/PMeLa to chat with her. Join Us for LEAD52 I know you want to be a more confident leader–that's why you listen to this podcast. LEAD52 is a global community of people like you who are committed to transforming their ability to lead and deliver. It's 52 weeks of leadership learning, delivered right to your inbox, taking less than 5 minutes a week. And it's all for free. Learn more and sign up at GetLEAD52.com. Thanks! Thank you for joining me for this episode of The People and Projects Podcast! Talent Triangle: Power Skills Topics: Negotiation, Influence, Leadership, Project Management, Reciprocity, Emotional Intelligence, Resilience, Saying No, Stakeholder Management, Relationship Building, Value Creation, Confidence The following music was used for this episode: Music: Quantum Sparks (Full Version) by MusicLFiles License (CC BY 4.0): https://filmmusic.io/standard-license Music: Tropical Vibe by WinnieTheMoog License (CC BY 4.0): https://filmmusic.io/standard-license

Send us Fan MailYou finally hear the words you have been waiting for: “We're excited to make you an offer.”Instead of feeling relieved, your stomach drops.You know the negotiation is coming, and you are worried that asking for more could make you look difficult, ungrateful, or too demanding. You may even fear that the employer will withdraw the offer entirely.In this episode of The Mid-Career GPS Podcast, I break down why negotiating job offers feels so intimidating for mid-career professionals and how to advocate for your value without damaging trust with a recruiter or hiring manager.For many professionals, fear of negotiation comes from three places. You are afraid the offer is fragile. You are worried the organization will label you as a difficult employee before you even begin. Or imposter syndrome is convincing you that you are lucky to have received the offer at all.These fears can cause you to accept too quickly, negotiate emotionally, or avoid the conversation entirely.I explain how to replace that fear with a clear, evidence-based salary negotiation strategy. You will learn when to negotiate, what information strengthens your counteroffer, and how to keep the conversation professional and collaborative.I also share five mistakes to avoid during a job offer negotiation. These include negotiating before receiving a formal offer, accepting immediately, explaining your personal expenses, threatening to walk away, and lying about competing opportunities.Your employer does not determine your compensation based on your mortgage, childcare costs, or other financial obligations. A strong counteroffer must focus on the value you bring to the organization.You will hear practical language you can use when presenting a counteroffer, along with examples of credible evidence such as market salary data, leadership experience, specialized expertise, geographic compensation differences, and the full scope of the position.We also look beyond base salary. A job offer includes more than the number on your paycheck. Total compensation may include bonuses, paid time off, flexible work arrangements, professional development funding, retirement contributions, benefits, retention bonuses, and opportunities for future advancement.By the end of this episode, you will have a more confident and strategic approach to negotiating your next job offer.In This Episode, You Will Learn:Why mid-career professionals often hesitate to negotiate a job offerHow fear of losing the offer can weaken your negotiating positionWhy imposter syndrome makes qualified candidates accept less than they deserveWhen you have the most leverage during the hiring processFive job offer negotiation mistakes that can damage your credibilityHow to write and present a professional counterofferWhat evidence to use when asking for a higher salaryHow to negotiate benefits, flexibility, paid time off, and professional developmentHow to evaluate bonus structures and total compensationHow to determine whether a good job offer could become a better oneHow to reduce the likelihood of an offer being rescindedWhy honesty and integrity are essential during salary negotiationA professional negotiation is not an ultimatum. It is a business conversation about the value you bring, the responsibilities you will assume, and the compensation you require to reach a fair agreement.You do not need to become aggressive to advocate for yourself. You need to be prepared, credible, and willing to have the conversation.Listen to this episode before accepting your next job offer so you can negotiate with greater confidence, protect your professional reputation, and make a decision that supports your career goals and long-term earning potential.Subscribe to The Mid-Career GPS Podcast for more strategies to help you navigate your job search, position yourself for promotion, strengthen your leadership presence, and build a career you love.Remember, how you SHOW UP matters.Support the showIf this episode resonated with you and you want more support in how you SHOW UP for your career and life, there are two ways we can work together.Learn more about my SHOW UP Leadership Lab, my monthly membership program, at https://www.johnneral.com/showupIf you would like to learn more about how I can help you as your leadership and career coach, visit https://www.johnneral.com/workwithme.Get John's free weekly leadership and career newsletter at https://www.johnneral.com/the-mid-career-gps-newsletterOther ways we can connect:Connect with John on LinkedIn here.Get John's books on Amazon here.  Follow John on Instagram @johnneralcoaching. Subscribe to John's YouTube Channel here.  Please leave a rating and review on Apple Podcasts here.This podcast is listed in Feedspot's Top 90 Best Executive Career Podcasts.https://podcast.feedspot.com/executive_career_podcasts/

Michael Vorenberg recounts how, following Lincoln's assassination, William T. Sherman met Joseph Johnston at Bennett Place to negotiate a surrender. Sherman offered terms more generous than Grant's, including allowing Southerners to keep weapons in armories to prevent guerrilla warfare. However, the Washington cabinet rejected these terms as too lenient. (10)1865 RICHMOND

1. Athlete Compensation Protection Ensures athletes can: Earn money from legitimate NIL deals Participate in revenue sharing Prohibits: “Pay-for-play” disguised as NIL (e.g., booster cash handouts) 2. Transfer Rules Reform Allows: 1 unrestricted transfer Additional transfers allowed only under specific conditions: Coach leaves Program shuts down Athlete experiences serious issues (e.g., harassment) Otherwise: Athlete must sit out a year (“redshirt”) 3. Eligibility Limits Maximum: 5 years of eligibility Age cap of 24 (with exceptions like military service) Prevents older players from competing with younger athletes. 4. Athlete Health & Safety Protections Mandatory health insurance: Covers injuries for up to 5 years after playing No out-of-pocket costs Creation of a $60 million medical trust fund Stronger enforcement of: Concussion protocols Player safety standards 5. Academic Protections Prevents coaches from: Interfering with class attendance Steering players away from academics 6. Financial & Structural Reforms Allows schools/conferences to: Negotiate media rights collectively (to increase revenue) Requires: Preservation of scholarships and roster spots across all sports 7. Prevention of a “Super League” Explicitly blocks formation of a mega-conference (e.g., SEC + Big Ten merger) Aims to preserve competitive balance and opportunities for smaller schools 8. Coaching Stability Rule Coaches cannot: Leave for another job during a season or playoffs Designed to protect teams and players (informally referred to as the “Lane Kiffin rule”) Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.