Podcasts about Passive

Sure, you own index funds. But 99% of portfolios have a "shade of gray" that's more active than we realize. This episode dives into the "shades of gray" in passive investing and how they affect our portfolios and benchmarks.  Looking for a financial planner?  → PlanWithJesse.com Jesse explores an important distinction that many investors overlook: owning passive funds does not necessarily mean you have a passive portfolio. He explains why passive investing remains a strong strategy, using research on the small number of stocks responsible for most market returns, the drag created by active-management fees, and the difficulty of separating investment skill from luck. From there, Jesse examines how allocation choices—such as favoring U.S. stocks, concentrating in technology, or tilting toward small-cap and value stocks—represent active decisions even when implemented entirely with index or rules-based funds. He then connects those decisions to benchmarking, explaining why investors need relevant benchmarks that reflect their portfolio's asset classes, geography, risk, and intended strategy. Ultimately, Jesse argues that investors should understand where their portfolios deviate from the broader market and use thoughtful benchmarks to determine whether those choices are delivering the results and risks they intended. Key Takeaways: • Beating the market is possible, but the odds are not 50/50. Stock returns are highly skewed, with a relatively small percentage of companies responsible for much of the market's long-term performance. • Diversification increases the odds of owning the market's relatively few major winners. Trying to identify those winners beforehand creates a difficult stock-picking problem. • Investment success can be difficult to distinguish from luck. Even when someone beats the market, determining whether that performance resulted from repeatable skill is challenging. • Nearly every investor has some degree of active allocation. A theoretically pure passive portfolio would hold the global investable universe according to its market weights, something that is difficult to replicate completely. • Deviating from global market weights is not inherently wrong. The important issue is understanding where and why your portfolio deviates rather than making those bets unknowingly. • The right benchmark should resemble the investment being evaluated. Asset class, geography, risk level, and the investment's intended purpose all matter when selecting a benchmark. Key Timestamps: (2:22) – You Can Beat the Market, But... (5:12) – Stock Performance Is Skewed (7:44) – Fees Make Beating the Market Harder (9:00) – Luck or Skill? (Usually Luck) (11:43) – Not All Funds Are Created Equal (14:23) – Consider the Allocation (19:48) – Are You a True Passive Investor? (22:55) – Risk Is Fungible (23:39) – You Probably Have Active Allocation (25:15) – What Is Investment Benchmarking? (29:30) – Absolute Investing Benchmarks (35:20) – The Benchmark You Should Use (38:40) – Conclusion Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/fewer-needles-bigger-haystack/ https://bestinterest.blog/the-needle-in-the-haystack/   More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Passive investors often want real estate wealth without being hands-on landlords. Full-service turnkey firms handle acquisition, renovation, tenant placement, rent collection, maintenance, and move-outs.

Yes, physical gold is a safe haven, but gold also attracts a lot of speculative capital, particularly the paper markets. Gold futures are among the most traded futures in the world, and there is nothing physical about them. So when there is a panic, gold tends to sell off along with everything else as liquidity dries up and everyone rushes to cash.The US dollar is actually the safe haven, except that it isn't, because you are bleeding 7 or 8% of value every year to money supply growth.I am getting so many messages at the moment asking me what to do “when the collapse comes”, as though the collapse of fiat is a foregone conclusion. I don't think it is. I think continued depreciation is more likely. Fiat could collapse, of course, but we are in a probabilities game and I'd give it perhaps a 25% probability, while continued depreciation I'd put at well over 50% likelihood.At present we have three financial storms on the horizon. Whether they actually reach us or not remains to be seen, but we should be aware of them nonetheless, so that we can be prepared if they do eventually close in.Nasty stock market correction ahead?They are, first, the fact that US markets are so leveraged to AI. You don't even need the AI bubble to pop, you just need it to deflate a little bit, and it takes the S&P500 down with it.It's not like I, and many others besides, haven't mentioned this before, but it bears mentioning again: the Magnificent Seven, which are highly AI oriented, currently account for about a third of the combined market capitalisation of the S&P's 500 companies. Ten years ago the equivalent concentration was around 15%, and that seemed like a lot.From an asset allocation perspective - particularly with so much passive investing - this is dangerous, to put it mildly. Concentration is fine when markets are going up. If you're concentrated in the right sector you make a lot of money. But when things unravel you get your backside handed to you on a plate. Diversification spreads risk. The S&P500 “should” be diversified. It isn't. Passive investing is supposed to be diversified. It isn't.But this has been the case for a long time. It hasn't mattered. It doesn't matter until it does.Then there is the fact that every mid-term election years have a tendency to deliver autumn drawdowns. According to some sources, every year. If we get a significant drawdown in the S&P500, the safehaven that is gold will sell off too.Wobbly bondsThe second financial storm - is it even on the horizon any more? - lies in the government bond market. It's worth remembering just how large the bond market is. The global value is estimated at around $145 trillion, so larger than the combined stock market which is closer to $130 trillion.You have probably seen headlines this week saying bond markets are “on fire” and that governments are “in hock to the bond market”. Government debt across the developed world - and deficits with it - have risen dramatically since Covid, and the bond markets are not so willing to finance that borrowing at the ultra-low rates of the previous decade. Investors want more yield for their risk. Can't say I blame them.That basically translates as, “if I am to lend you money for ten years, you are going to have to pay me 5% interest, maybe more. 2% is no longer enough.”As yields rise, the cost of servicing debt rises with them. Just a small increase can add tens of billions to annual interest payments.The US has the enormous advantage of issuing the world's reserve currency, but its huge structural deficits mean it is vulnerable. Japan, Britain, France and Italy are particularly at risk because they combine high debt burdens with fiscal or political problems.Higher yields mean higher interest payments, which make deficits larger, requiring governments to issue still more debt. Vicious circle time. Governments try to avoid this by issuing shorter-term debt, but that merely increases refinancing exposure. The US Treasury's increasing reliance on shorter maturities is therefore a concern.Politicians might promise to spend more, but somebody has to buy their debt. If investors want a significantly higher return, governments may find that fiscal policy is increasingly dictated by the bond market rather than by politicians.You may see that as a good thing and it probably is. Government spending has to be reined in somehow. But higher interest rates will put pressure on real estate and equities, and they increase the likelihood of defaults, which tend to snowball. See 2008 for more details.Defaults should also increase demand for gold, because there is no liability or counterparty. But that doesn't happen straight away, necessarily. The liquidity has to come out of the market first, and that means everything goes lower. Just gold doesn't go down quite as much and it turns back up first.The reaction of governments to a debt crisis will of course be to print. And that too benefits gold.Which brings us to financial storm number three on the horizon, although this one is really a subset of two.The UK. It is a standout amongst all of this. Our interest rates are already high, which means greater pressure on the government (they are the main reason sterling has held up). We have a new Prime Minister, who is currently trying to buy popularity and who seems to think that the solution to many of the UK's problems is more government spending, not less, and that will require more borrowing and higher taxes. But he has inherited a precarious fiscal position and a bond market that is already demanding a substantial return. Ten-year gilt e yields have risen above 5%, their highest level in 18 years, and longer-term borrowing costs have reached a 28-year high, with 30-year gilt yields closing down on 6%.The political situation is also awkward. The combined right-wing vote exceeds the Labour vote by some considerable distance, but it is split between the Tories, Reform and Restore. Does Burnham exploit this to call an early election? Will his backbenchers even let him if he wants to do this? Will an early election mean greater or less stability?On the other hand high rates are at least propping sterling up. I say propping up. On a purchasing power parity basis, the UK is actually cheap and sterling too. Doesn't mean it can't get cheaper. As UK nationals, we have inevitable exposure to sterling, but the prudent thing for a UK citizen to do is reduce sterling exposure. Hold non-government currencies is my advice: gold and bitcoin. I'll have more on the la tter soon.BOLD.L might be the way. Most roads lead to gold at the moment but they are rocky roads.If you live in a third world country such as the UK, I urge you to own gold or silver. The pound will be further devalued, as will the euro and dollar. The bullion dealer I use and recommend is The Pure Gold Company. They deliver to the UK, the US, Canada and Europe. More here.Other mattersI have turned my Britain On Sale series of seven undervalued companies that could be taken out during the current takeover frenzy into a downloadable PDF report. Here it is.There is a real opportunity here right here and now. I cannot stress that enough. The UK is cheap and being bought up.And last but not least, The Secret History of Gold is now out in paperback in the UK, so get your copy now. It has had excellent reviews and has now reached best seller status, I'm delighted to report, with the audiobook especially popular. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

Today's guest on The Long View is David Booth. David is a repeat guest, the founder of Dimensional Fund Advisors, and has just released a new book titled Stay Calm: Learn to Embrace Uncertainty in Investing and Life. One of the interesting through lines on the episode really centered on data. David explained that without data, people are just arguing beliefs. There was so much time within the industry where investors really were in a data desert. That foundational layer was critical to everything that David, his colleagues at Dimensional, and so many others around the broader investing industry have ultimately brought to bear for the benefit of so many investors over the years. Plus, David explained that having access to a more complete dataset can really help provide a sense of calmness and reassurance for investors, even in an uncertain environment. Episode Highlights 00:00:00 Introduction 00:03:21 How Market Data Revolutionized Investing 00:09:22 Learning From Eugene Fama 00:16:16 Communicating Financial Science 00:20:40 What is the Efficient-Market Hypothesis? 00:24:11 Diversification and the Limits of Indexing 00:32:37 Is Dimensional Active or Passive? 00:34:24 The Science Behind Factor Investing 00:40:29 Trusting Markets and Embracing Uncertainty More From Morningstar David Booth: ‘Usually the Great Ideas Start Out as Small Ideas and Then You Build on Them' Don Phillips: Encouraging Better Outcomes for Investors Charley Ellis: Indexing Is a Marvelous Gift If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances. If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most people hear hotel conversion and picture a novelty deal. Dr. Alex Cartwright built a company around it, and the reason is arbitrage that is not subtle. His firm buys hotels that have no future as hotels. Sometimes they are old and not worth remodeling. Sometimes they are newer but stuck in a crowded market as the least desirable option. Sometimes they just carry too much debt. Whatever the story, the test is the same: is the highest and best use of this building multifamily? When the answer is yes, the multifamily price is dramatically higher than the hotel price, and the conversion unlocks the difference. The Denver project makes it concrete. A 310-room Holiday Inn sat next to Stapleton Airport until Denver built a new airport further out and the demand driver moved. Eleven stories, an atrium lobby, a balcony on every room, three underground racquetball courts. Nobody is building that again in a neighborhood of three and four story garden style apartments. Alex bought it a little under $30,000 a door and is spending $40,000 to $45,000 a unit to convert it, against comparable apartments in the mid to upper $200s. In this episode: What an end-of-life hotel is, and the three things that decide whether he enters a market at all Why a hotel is already most of an apartment building: individual bathrooms, HVAC, front doors, parking, soundproofing Which rooms get combined, and why going all studios pencils best but still is not the answer Why the due diligence period runs several months instead of weeks, and why sellers grant it The Denver numbers: under $30,000 a door in, $40,000 to $45,000 a unit of renovation, roughly $90 a door all in Why an extended stay hotel converts for $10,000 to $15,000 a room instead How lenders underwrite the deal off stabilized value, the same way they underwrite a flip off ARV What cities are actually afraid of when you ask for the rezone, and the conversation that gets them to yes The rent-burden math: more than half of rent-burdened Americans earn $45,000 to $75,000 a year Cutting a resident's housing cost by 35 to 40% without a dollar of taxpayer money Plus the Final Five, a poem called The Man in the Glass, and why you should always be looking for your next mentor. About Dr. Alex Cartwright Dr. Alex Cartwright is the founder of HotelSHIFT Capital, based in Providence, Rhode Island, which acquires end-of-life hotels and converts them to multifamily housing. He spent ten years as an economics professor before moving to the operating side. Connect with Alex: hotelshift.capital. He writes the mailing list himself. This week's book: How Elon Musk Thinks. He also recommended the economics blog Marginal Revolution and the All-In podcast. Chapters 00:00 The rent-burdened middle: $45k to $75k a year 00:35 Welcome to Real Estate Underground 01:21 On location in Rhode Island 01:37 Meet Dr. Alex Cartwright of HotelSHIFT Capital 02:02 We are not in the hotel business 02:23 What an end-of-life hotel is 02:46 The arbitrage: hotel price versus multifamily price 03:04 Fundamentally we're in the apartment business 03:20 The buy box, part one: rent level 04:20 Part two: density and smaller units people accept 04:55 Part three: the regulatory environment 05:15 Why a hotel is already most of an apartment building 06:01 Floor plans: what gets combined and what does not 06:56 Why all studios pencils best and still isn't the answer 08:02 Ed on churn and sticky tenants at the best price in the market 09:05 Sponsor break 10:01 Vertical management or third party 10:41 Hold period, and where Opportunity Zones fit 11:08 The 24 to 36 month renovate-and-lease-up plan 11:18 Refinance and return roughly 100% of capital 12:00 Why due diligence runs months instead of weeks 12:43 The Denver deal: a 310-room Holiday Inn 13:27 Why hotels break down above 200 rooms 13:38 The airport that closed and took the demand with it 14:13 Bought a little under $30,000 a door 14:29 Six months of due diligence and Denver's energy codes 14:48 Adaptive reuse and why the architect comes in early 15:24 Construction cost: the more vertical, the more expensive 15:52 Eleven stories, an atrium, a balcony on every room 16:25 $40,000 to $45,000 a unit, and what that buys 16:44 Putting a kitchen in every room 17:08 An 18-month budget they expect to beat 17:27 Extended stay hotels convert for $10,000 to $15,000 a room 18:39 About $90 a door all in against low $200s 19:37 A-class amenities at a B-plus rent 20:16 How he finds these projects, and why there are more than he can buy 20:39 Why multifamily always deserves a remodel and hotels do not 21:21 The flag treadmill: a new brand every few years 22:24 Fewer hotel buyers, fewer hotel lenders, better deals 23:00 What changed after COVID 23:39 How lenders underwrite it, the same way they underwrite ARV 24:13 Rezoned before closing, so it's multifamily that needs work 24:35 What cities are actually afraid of 25:07 Not capital-A affordable housing 25:44 Who really lives in a $50 a night hotel 26:30 The conversation that gets a city to yes 27:34 The Final Five 27:46 Purpose: ten years teaching economics, and what changed 29:27 What rent burdened means 30:07 More than half earn $45,000 to $75,000 31:32 Cutting a resident's rent by 35 to 40% with no taxpayer money 32:32 Best advice: always be looking for your next mentor 33:57 Ed on Mike Godman and the 19 ways he was screwing up 36:24 The decision he wants back: firing too slowly 37:53 Why the person you fire is often relieved 38:47 The bookshelf, and what he's reading now 39:21 How Elon Musk Thinks 40:38 Marginal Revolution and the All-In podcast 41:01 How he defines success 41:55 The Man in the Glass 42:28 Cars, and the Harvard Classics 44:42 Where to find Alex 45:32 Outro Real Estate Underground Hosted by Ed Mathews of Clark St Capital. New episodes every Tuesday. clarkst.com/podcast Elevista - Speed as a Service™Elevista Connect is the first AI-powered lead conversion system built for real estate investors.

In this episode, Katya Borisova shares her inspiring journey from corporate management to successful real estate investor and appraiser. She discusses her strategies for building a property portfolio, the nuances of co-living investments, and the importance of accurate property valuation. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Jeremy Schwartz, CFA, Global Chief Investment Officer of WisdomTree Investments, joins Michael Gayed on Lead-Lag Live on the eve of WisdomTree's 20-year anniversary to discuss the growth-vs-value cycle, why home bias is quietly costing US investors return, and where the next phase of international diversification is headed. Topics covered: (00:00) Introduction and setting the stage (01:37) WisdomTree's 20-year evolution and $170B global footprint (02:40) Where we are in the growth-vs-value cycle (03:40) Why the US equity risk premium is misunderstood (real vs nominal) (06:15) WTV (US Value) and the Quality Growth Blend (QGRW) rebalance (07:18) WisdomTree's investment process: from pure index to active (08:52) Passive concentration, broadening leadership, and the case against home bias (10:57) Home bias is real - even at $170B AUM, models still tilt heavy US (13:33) Currency hedging: the case Jeremy has made for 15 years (15:41) DXJ, dynamic hedging, and OPPJ's flexible approach (18:50) Why Japan may be structurally overweight worthy (21:26) The case for Europe: contrarian, defense, and shareholder yield (25:00) Emerging markets rotation: from energy to tech (Samsung, TSMC, Hynix) (33:00) Farmland, gold, and multi-asset diversification (38:00) Closing thoughts on the next 20 years for WisdomTree Funds and products referenced: WTV - WisdomTree U.S. Value Fund QGRW - WisdomTree U.S. Quality Growth Fund DXJ - WisdomTree Japan Hedged Equity Fund OPPJ - WisdomTree Japan Opportunities Fund OPPE - WisdomTree European Opportunities Fund GEOA - WisdomTree Geopolitical Alpha Opportunities Fund GDE - WisdomTree Efficient Gold Plus Equity Strategy Fund GDMN - WisdomTree Efficient Gold Plus Gold Miners Strategy Fund About the guest: Jeremy Schwartz, CFA, is the Global Chief Investment Officer of WisdomTree Investments. He has been at WisdomTree since 2005, working alongside Professor Jeremy Siegel of the Wharton School on research covering global equity valuations, dividend strategies, currency hedging, and multi-asset portfolio construction. Jeremy leads the firm's investment function across the US and Europe and has been a leading voice on international diversification, currency hedging, and the case for shareholder-yield strategies for over 15 years. Where to find Jeremy and WisdomTree: Website: wisdomtree.com X: @WisdomTreeFunds Please see the WisdomTree Glossary for additional definitions of terms and/or indexes. The Lead-Lag Report: leadlagreport.com IMPORTANT INFORMATION For fund holdings and standardized performance visit: WisdomTree.com/investments INVESTORS SHOULD CAREFULLY CONSIDER THE INVESTMENT OBJECTIVES, RISKS, CHARGES AND EXPENSES OF THE FUNDS BEFORE INVESTING. TO OBTAIN A PROSPECTUS CONTAINING THIS AND OTHER IMPORTANT INFORMATION, PLEASE CALL 866.909.9473, OR VISIT WISDOMTREE.COM/INVESTMENTS TO VIEW OR DOWNLOAD A PROSPECTUS. READ THE PROSPECTUS CAREFULLY BEFORE YOU INVEST. There are risks associated with investing, including potential loss of principal. Foreign investing involves currency, political and economic risk. Funds focusing on a single country, sector and/or funds that emphasize investments in smaller companies may experience greater price volatility. Investments in emerging markets, real estate, currency, fixed income and alternative investments include additional risks. Due to the investment strategy of certain Funds, they may make higher capital gain distributions than other ETFs. Please see prospectus for discussion of risks. Jeremy Schwartz is a registered representative of Foreside Fund Services, LLC. WisdomTree Funds are distributed by Foreside Fund Services, LLC, in the U.S. Sign up to The Lead-Lag Report on Substack and get 30% off the annual subscription today by visiting http://theleadlag.report/leadlaglive. Support the show

This podcast is sponsored by Earn Haus.  More information at www.EarnHaus.com/Bobandtom The BOB & TOM ShowAugust 27, 20266:00 6:00 — Toast and Heywood6:05 — Actor Tim Curry has died6:11 — McCale's Navy theme6:24 — Dolly's dream box to be opened in 20466:26 — Letter — proud of our show dog6:28 — Comic strip Mary Worth still out there since 1938 — Tom6:32 — At doctor's office they have a big squirter — squirted nurse — Tom6:36 — People listen to show in spite of us — Josh6:37 — No more Pro Bowl6:38 — Letter — Mary Worth in my newspaper — she's still a busybody6:50 — $50 million in cocaine confiscated off a smuggler's boat6:51 — Coke in a boat — Pat6:52 — Passive-aggressive behavior by Tom6:54 — This trailer trash has something to tell you — Kristi, talking about herself 7:06 — My husband puts knives east-west in drawers — Kristi7:07 — Tom said “dish washer” incorrectly7:10 — Josh says wooden anatomy7:11 — Sports7:24 — More sports7:28 — Chick got his dog a dog backpack to carry mail7:30 — Tom owned a pontoon boat7:31 — Dog towels are like towel gloves7:36 — Each of our faces are on the back of Tom's toilet — Josh7:47 — In studio — Jess7:51 — College mascot tricks7:55 — Phone dropped from 100,000 feet — from outer space 8:10 — In the 1800s, train tracks were greased — slid by the train station for five miles8:11 — Today is National Just Because Day — Kristi8:25 — Lady asked Josh how much he paid for his house — didn't know her8:27 — Should stop when there is a funeral procession on the road8:30 — Are there funeral seat fillers? — Josh8:34 — 20,000 people at a messy melee with tomato sauce8:49 — Today in History8:50 — Thrift shop song 9:04 — Zoom — Al9:11 — “I really like Jess and Kristi” — they would take the charge — Al9:26 — Burying underwear in soil9:28 — Dryer sheets in my underwear — Pat9:29 — Greek Orthodox priest has released a rock album9:45 — Man washes foot in sink at Dunkin' Donuts 7:008:009:00 Learn more about your ad choices. Visit podcastchoices.com/adchoices

What happens when Christian parents become so focused on connection, affirmation, and keeping the peace that they stop leading their children? In this episode of Abraham's Wallet, Steven Manuel and Mark Parrett examine the rise of gentle parenting and ask a difficult question: Can an emphasis on connection and emotional safety actually become a form of parental passivity? Steve and Mark explore what biblical leadership looks like in the home—and why loving your children doesn't mean avoiding boundaries, correction, discomfort, or authority. They discuss the difference between invitation and challenge: building deep relationships with your children while still being willing to direct them, correct them, and hold the line when necessary. The conversation connects modern parenting culture to the biblical example of Adam's passivity in the Garden of Eden and Abraham's calling to command his household to follow the way of the Lord. The goal isn't authoritarian parenting or harsh discipline. It's a form of fatherhood that combines warmth with strength and prepares children to become responsible adults, faithful Christians, and future leaders of their own families. Steve and Mark also get practical, discussing screen limits, bedtimes, curfews, sleepovers, technology, financial responsibility, correcting disrespect and dishonesty, allowing children to experience failure, and how a father's unwillingness to lead can affect his marriage. Ultimately, this episode is about more than parenting techniques. It's about family leadership, biblical authority, resilience, and building a multi-generational legacy that can withstand the pressures of modern culture. In this episode: • The rise of gentle parenting • Christian parenting vs. cultural parenting trends • Why connection alone isn't enough • Invitation and challenge in parenting • Biblical leadership in the home • Adam's passivity in Genesis 3 • Abraham's example of leading his household • Setting healthy boundaries with children • Discipline without harshness or authoritarianism • Why children may actually feel more secure when parents lead • Screen time, technology, bedtimes, and curfews • Teaching children financial responsibility • Correcting disrespect, dishonesty, and bad character • Allowing children to fail while still providing leadership • How parental passivity can affect marriage • Building family identity and generational legacy • Raising resilient Christian children • The Parenthood Primer • Growing Kids God's Way Resources mentioned in this episode: The Parenthood Primer View The Parenthood Primer on Amazon Chapters (00:00:01) - What Adam's Passivity in the Home(00:00:54) - Abraham's Wallet: How to Lead Your Home(00:02:07) - Let's Talk Fafo Parenting(00:06:17) - What Is Gentle Parenting?(00:09:44) - Strict Curfews(00:19:17) - How to Prevent Passivity in Parenting(00:24:38) - How Passive Parents Can Be a temptation(00:30:19) - 7 Rules for Parenting in the Teenage Years(00:33:52) - Pre-Parental Counseling Workbook(00:35:06) - Coming soon: Trust God's Design for the FamilyHelp us equip more biblical bosses!: https://abrahamswallet.com/support AW website | YouTube | Instagram | Facebook | LinkedIn

Bob Robotti, founder and CIO of Robotti & Company, joins Matt Zeigler and Bogumil Baranowski to explain why bottom-up value investing may be entering one of its best opportunity sets in decades. They discuss AI and reindustrialization, inflation and interest rates, passive investing, capital cycles, private equity, long-term ownership, and why today's neglected industrial businesses may offer opportunities that the market is missing.I join Matt Zeigler for one more special episode of Excess Returns. I'm excited to share this episode with you—it's reposted here with permission and blessing from both Matt and Jack. Don't miss it! And follow their work; links below.Bob Robotti on Xhttps://x.com/BobRobottiRobotti & Companyhttps://www.robotti.comTopics coveredHow Bob finds misunderstood businesses with latent earnings powerWhy his “grassroots macro” process starts with company-level supply and demandHow AI spending is increasing demand for energy, copper, aluminum, cement and other physical assetsWhy North America's natural gas advantage could support a long-term reindustrialization cycleWhy persistent inflation could force higher interest rates and lower valuation multiplesWhy no competitive moat is permanent, even for today's dominant technology companiesHow passive investing and shorter time horizons can create opportunities for fundamental stock pickersWhy prolonged downturns can improve industry economics through consolidation and reduced capacityWhy Bob views himself as an active owner rather than an activist investorWhy he is skeptical of today's private equity model and its expansion into retirement portfoliosThe NewMarket investment that taught him the cost of selling a great business too earlyWhy he thinks individual company research can outperform indexing over the next decadeLearn more about the Excess Returns podcast network:https://excessreturns.coNo information discussed in this podcast should be construed as investment advice. Securities discussed may be held by the hosts and guests, their firms or their clients.Podcast Program – Disclosure StatementBlue Infinitas Capital, LLC is a registered investment adviser and the opinions expressed by the Firm's employees and podcast guests on this show are their own and do not reflect the opinions of Blue Infinitas Capital, LLC. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice.Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

In this episode of the Passive House Podcast, Ilka Cassidy talks with Evan Greulich, project architect and manager at Quinn Evans, about his work bringing high-performance building strategies to affordable housing and, increasingly, to schools. Evan and Ilka chat about The Hammond at Greenmount Park, a new 109-unit affordable housing project in Baltimore and John Burroughs Elementary School in Washington, DC. The conversation covers the practical tradeoffs of building near-Passive performance without certification, the challenges of balancing historic preservation with airtightness and insulation strategies, and why Evan believes the biggest opportunity for passive building growth lies beyond housing.The Hammond at Greenmount Park and The Johnston Square Branch of the Enoch Pratt Free LibraryThe Hammond at Greenmount Park – Baltimore, Maryland – Living DesignJohnston Square Branch Library – Baltimore, Maryland – Learning DesignIntegrating Services Within Communities: Libraries as SuperconnectorsJohn Burroughs Elementary School (Modernization)Renewing Historic Schools, Part 1: RenovationBurroughs ES | dcpsGreen Building Advisory Council | doeeJoin us on the Reimagine Buildings Collective: https://collective.reimaginebuildings.com/Thank you for listening to the Passive House Podcast! To learn more about Passive House and to stay abreast of our latest programming, visit passivehouseaccelerator.com. And please join us at one of our Passive House Accelerator LIVE! zoom gatherings on Wednesdays.

Our guests on the podcast today are Andy Clarke and Nelson Wicas, co-authors—along with Ganesh Suntharam—of the new book, The Architecture of Wealth: The Art and Science of Portfolio Construction. Andy has spent more than three decades as an investment researcher and writer. He has worked at Morningstar and Vanguard, where he served as assistant to Vanguard Founder and indexing pioneer, John C. Bogle. Andy has published research in practitioner journals such as the Journal of Index Investing. He is the author of Wealth of Experience and a CFA Charterholder. Nelson has developed and managed quantitative equity strategies for more than 30 years. Most recently, he worked at Redpoint Investment Management, where he was a founder and research analyst. After completing his PhD in economics at the University of Pennsylvania, Nelson joined Vanguard to help establish its quantitative equity management function. Nelson later helped found Vanguard's investment counseling and research team to produce portfolio construction insights for clients and internal teams. Nelson has been a visiting professor of economics at Haverford College in Haverford, Pennsylvania. Episode Highlights 00:00:00 The Architecture of Wealth 00:06:42 Why Portfolio Construction is an Art and Science 00:10:03 Bogle's Approach to Active Management 00:15:38 Why Index Investing Isn't Passive 00:22:09 The Birth of Modern Portfolio Theory 00:26:58 Behavioral Finance, Investor Biases, and Impact of Education 00:36:13 Why Index Funds Finally Took Off 00:39:25 Evaluating Active Managers 00:43:27 The Small-Cap Effect More From The Long View Charley Ellis: Indexing Is a Marvelous Gift Jeff Ptak: The Simple Secret to Becoming a Better Investor Andy Reed: Inertia Is the Most Powerful Force in Behavioral Finance If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances. If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This Episode Chris breaks down one of the biggest questions active real estate investors face as their portfolios mature: should you keep, refinance, or sell your rental properties? Drawing from his own shift from active landlord to passive investor, Chris explains why many investors get stuck evaluating properties based on their original investment instead of their current equity. A rental that looks like an “infinite return” on paper may actually be producing weak cash flow on equity or underperforming compared to simpler, more passive alternatives. The episode walks through a practical framework for re-underwriting each asset in your portfolio every year. Chris explains how to evaluate whether a property still aligns with your cash flow goals, lifestyle goals, and “do not want” list, especially if you are trying to reduce management headaches, increase income, or transition into more passive investments. Chris also compares several real-world paths: keeping and optimizing a rental, doing a cash-out refinance and reinvesting the proceeds, selling and paying taxes, using a traditional 1031 exchange, or using a “lazy 1031” strategy where depreciation from a new investment may help offset taxes. The goal is not to prescribe one right answer, but to challenge the assumption that holding forever or avoiding taxes at all costs is always the best move. Key takeaways: Why original cash-on-cash return can be misleading once a property has built significant equity How to calculate cash flow on equity and return on equity Why your portfolio decisions should start with cash flow and lifestyle goals How to use the keep, refi, or sell framework for each rental property When a cash-out refinance can increase cash flow without selling the asset Why paying taxes may still make sense if the remaining capital can be redeployed into better-performing investments How “lazy 1031” strategies, depreciation, DSTs, 721 exchanges, and other tools can help active investors transition toward passive ownership Join a community of passive investors. Start your FREE 7-day trial: https://passivepockets.com/?utm_source=youtube&utm_medium=description&utm_campaign=none Listen to the PassivePockets Podcast Anywhere: https://lnk.to/passivepockets Subscribe to the Passive Investing Newsletter: https://www.biggerpockets.com/email-subscribe?utm_source=youtube&utm_medium=description&utm_campaign=none Join BiggerPockets for free: https://www.biggerpockets.com/signup?utm_source=owned_media Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

Most passive investors focus on finding the next deal. Chad Ackerman says the better place to start is understanding yourself as an investor. Description The passive investing world has changed dramatically over the past few years. Operators have been tested, markets have shifted, and investors have become more cautious. In this episode of The Property Profits Podcast, Dave Dubeau sits down with Chad Ackerman to discuss what limited partners should be learning before investing in another syndication. Chad shares how he transitioned from a corporate career into full time passive investing and now coaches investors on building an investment strategy that fits their goals instead of chasing every opportunity. One of the biggest lessons from the conversation is the importance of defining your investor identity. Chad explains how understanding your goals, risk tolerance, and preferred investment timeline helps investors quickly recognize opportunities that fit and avoid those that do not. Key Topics Why passive investing matched Chad's lifestyle better than active investing Lessons learned from investing in the wrong first deal What investor identity means and why it matters How to evaluate syndication opportunities more effectively Why bonus depreciation is worth understanding How today's market has made operator selection easier Guest Information Chad Ackerman Website: chadackermanrealestate.com/start Starter Kit for Passive Investors Call to Action Connect with Chad and download his Passive Investor Starter Kit at: chadackermanrealestate.com/start Subscribe to The Property Profits Podcast for more conversations with experienced real estate professionals. Apple Podcast: https://podcasts.apple.com/ph/podcast/property-profits-real-estate-podcast/id1445202

Most small real estate operators manage their finances by looking at what is in the bank. Money in is income, money out is expenses, and the question every Monday is how do I survive the next ninety days. Alex Lopez, CPA calls that looking in the rear-view mirror, and he spent more than a decade learning what the alternative looks like from the inside.Alex started in real estate right out of high school during the South Florida boom, and he was in his early twenties when it all came down. He lost the properties he had bought. Going back to finish his business degree, he hit the two accounting courses every Florida business major has to take, and found that the numbers were a language that explained his own mistakes better than the market crash did. He switched his major, went straight into a global firm, asked to be put on the real estate clients, and drew a $4 billion hotel REIT as his first account. Corporate came next, then helping take a company public, then his own shop.The thing he brought back is the spine of this conversation. The most powerful things those firms do are perfectly doable at any size. It comes down to structure, skill and prioritization, and to somebody actually being assigned the work.In this episode:What a fractional CFO actually does that a bookkeeper does notWhy you should run your company as though it were already much largerThe windshield versus the rear-view mirror, and why most accounting only looks backwardKPIs and plans: NOI, rent per square foot, CAM, occupancy, and how to pick yoursReverse-engineering a business plan into a debt and equity structureThe free playbook hiding in plain sight: the 10-K filings public companies in your field are legally required to publish, KPIs includedWhy the skill set changes completely at every revenue tierPlus the Final Five, a mentor named Anatoly, and the one mistake Alex committed to never making again.About Alex Lopez, CPA Alex Lopez, CPA is the Managing Partner of Osher CPAs, a South Florida firm providing accounting, CFO services, financial due diligence, and tax strategy to real estate investors, property managers, and growing businesses. He works primarily with owners in the low seven-figure to mid eight-figure range.Connect with Alex: alexlopezcpa.comThis week's book: Get Scalable: The Operating System Your Business Needs To Run and Scale Without You by Ryan DeissChapters00:00 The big-firm playbook is available to the rest of us 00:45 Welcome to Real Estate Underground 01:40 Meet Alex Lopez, CPA 02:00 Growing up in the South Florida boom 02:45 The 2008 crash, and losing everything in his early twenties 04:45 Stumbling into accounting: the language of business 05:50 Why the global firms only hire you straight out of school 06:30 Canvassing commercial property the old-fashioned way 08:15 Asking to be put on the real estate clients 08:45 First client: a $4 billion hotel REIT 09:30 Into the corporate world, then taking a company public 11:00 Opening his own shop 11:35 What a fractional CFO actually is 12:30 More than a decade inside: it is structure, skill and prioritization 13:30 Think of yourself as a much larger company 14:30 The windshield, not the rear-view mirror 16:00 KPIs and plans: where a CFO starts 17:00 Reverse-engineering the plan into financials 17:50 The metrics that matter: NOI, rent per square foot, CAM, occupancy 20:00 Debt versus equity, and what you actually need to raise 21:20 Your neighbor's daughter who does the bookkeeping 21:50 The skill set changes at every revenue tier 22:45 The free playbook: read the 10-Ks of public companies in your field 24:45 They share their playbook because legally they have to 25:00 Ed's story: running a $1M company like a $100M company 27:00 You miss 100% of the targets you don't set 28:50 The Final Five 29:00 Purpose: the high-rises of Medellin 29:45 Best advice: intentional hats, from a mentor named Anatoly 30:40 The mistake: selling property 33:50 Nobody regrets holding a property too long 35:40 This week's book: Get Scalable by Ryan Deiss 37:00 The E-Myth, Buy Back Your Time, and who he serves 39:30 How he defines success 40:20 Where to find AlexReal Estate Underground Hosted by Ed Mathews of Clark St Capital. New episodes every Tuesday. clarkst.com/podcastElevista - Speed as a Service™Elevista Connect is the first AI-powered lead conversion system built for real estate investors.

Join us in Clean Biz Network! https://www.cleanbiznetwork.app/Grow by $10,000 per month in recurring monthly revenue! Visit https://www.1010program.comGet leads aka commercial cleaning walkthroughs for your business! Visit https://www.CleanBizLeads.com Checkout our latest course offers! Visit https://www.CleanBizUniversity.com Join this channel to get access to perks:   / @ajsimmonsonline  Schedule a 1 on 1 Consultation: https://calendly.com/ajsimmonsFollow: @AjSimmonsOnline on Instagram   / ajsimmonsonline  Need Business Insurance? Click this link https://nextinsurance.sjv.io/Ea23K9Thank you for watching, subscribing, liking, sharing, and commenting!!!!

Gianni Santino was exhausted. As a police officer in Connecticut working up to 80 hours a week, he had barely any time for his family. After a failed attempt at real estate investing left him buried in COVID-related evictions, Gianni stumbled upon a goldmine hidden in plain sight: a sketchy ATM inside a gentlemen's club that was quietly printing thousands of dollars a night in surcharge fees.Realizing you didn't need to be a bank to own an ATM, Gianni bought his first machine, loaded it with the last $500 he had, and watched the passive income start rolling in. Today, Gianni has retired from the police force and runs a massive network of nearly 100 ATMs from his laptop in Miami, generating over $40,000 a month in revenue.In this episode of the UpFlip Podcast, Gianni sits down with Ryan Atkinson to reveal the exact blueprint for starting your own highly profitable ATM side hustle. He breaks down the startup costs, the best (and worst) locations to target, and how to safely load and manage your machines working just a few hours a month.What You'll Learn in This Episode:The $2,500 Startup Strategy: The exact machine brands you should buy (Hyosung and Genmega) and the truth about how much cash you actually need to load your first ATM.The "Donut" Pitch: Gianni's foolproof, low-pressure sales tactic for getting cash-only business owners (like barbershops and dispensaries) to let you place an ATM in their store for free.Avoiding the Gym Trap: Why high-foot-traffic areas like gyms are terrible for ATMs, and the specific high-demand locations you should target instead.Safety & Security Protocols: How to make yourself a hard target. Gianni reveals his 2-minute loading rule, why you should never load a machine during business hours, and the critical importance of bolting your ATM down.Why Cash is Still King: Debunking the myth of a "cashless society" and why the closure of local bank branches is actually creating a massive opportunity for independent ATM operators.Tags: Side hustle, Entrepreneurship, Passive income, ATM business, StartupResources:If you've been putting off starting a business… good. Because before you jump into an idea that worked for someone else, you should figure out what kind of business actually fits you. That's why we created the best Assessment there is. It's a free tool that asks about your skills, experience, budget, goals, location, and preferences — then matches you with business ideas that make the most sense for YOU. The results are scary accurate. Click the link in the show notes to see your best-fit business ideas in seconds — for free.Grow your business today: https://accelerator.upflip.com/assessment Follow Our Second Channel Here: https://next.upflip.com/spotify Connect with Gianni: https://www.instagram.com/atmoperations/

Episode 393: Am I too Passive or Aggressive Read the Article by Seth Troutt Failure to Act or Failure of Action

Join Larry Kudlow as he speaks with David Bahnsen and Jim Lacamp about the difference between passive and active economics, what is going on in the stock market, and more on WABC.

On this week's podcast, Bart discusses the trap of falling into passive play and how it can reduce profitability.

If you sell services to corporate clients, you've almost certainly asked yourself whether you should be focused on inbound or outbound sales. It's one of the most common questions coaches, consultants, trainers, speakers, and done-for-you service providers ask when they're trying to build a predictable pipeline of corporate clients, and the honest answer is that it depends on your business stage, your capacity, and how much control you want over your results. Inbound sales, in a B2B context, means working with inquiries that come to you: referrals, warm introductions, and prospects who find you online and reach out because they've already identified a problem they think you can solve. It feels exciting because it looks like leads are coming pre-sold. In reality, inbound B2B lead generation is reactive rather than proactive, and it requires significant, ongoing qualification work. Not every inbound inquiry comes from someone with real budget authority. A large proportion come from junior team members carrying out research or benchmarking on behalf of a senior stakeholder, which means a coach or consultant can spend hours on discovery calls and proposals that were never going to close. Outbound sales, by contrast, means proactively identifying and contacting the corporate decision makers you want to work with, through channels like cold email outreach, LinkedIn outreach, or targeted networking. Outbound has a reputation for being harder, more 'salesy', and more likely to result in rejection. Much of that reputation comes from exposure to badly executed outbound (generic pitches, poor targeting, no follow-up process) rather than from outbound sales as a method. A well-built outbound sales process is highly structured: it defines exactly how leads are generated, how many should convert to sales calls, how many of those calls should convert to proposals, and how many proposals should convert to signed contracts. That structure is what makes outbound genuinely predictable and scalable, in a way that inbound, by its reactive nature, cannot be. The conversation around inbound versus outbound B2B sales has also shifted because of how corporate buyers now research suppliers. Recent industry research shows a majority of B2B decision makers now use AI tools such as ChatGPT, Perplexity, and Microsoft Copilot at some stage of their supplier search, often before they ever land on a company website. Corporate buyers increasingly type conversational, problem-based queries into AI platforms rather than short keyword searches, and those platforms return a small, curated shortlist of suppliers rather than a page of links to browse. This has real implications for coaches and consultants: traditional SEO alone is no longer enough to guarantee visibility, because AI-powered search behaves differently from Google's results pages. Being structured, cited, and consistently referenced across credible platforms (what's increasingly called generative engine optimisation, or GEO) is becoming part of a modern passive visibility strategy that works alongside, not instead of, proactive outreach. So which should you prioritise: inbound or outbound? For most coaches and consultants who are not yet fully booked with corporate clients, an active, proactive outbound sales process is the more reliable route to consistent revenue, because it puts you in control of your own pipeline rather than waiting for the market to come to you. Passive visibility strategies that support inbound leads, content, speaking, directory listings, and AI search visibility, are worth building at the same time, because they compound over months and continue working even during periods when you're heavily focused on client delivery. The businesses that build the most resilient B2B sales pipelines tend to run both: a controlled, metrics-driven outbound sales process to generate steady, qualified sales calls, and a passive visibility layer that ensures they're findable, and credible, when a corporate decision maker (or an AI platform on their behalf) goes looking for the right supplier. Whichever you choose to prioritise first, both inbound and outbound sales processes for coaches and consultants ultimately rely on the same underlying skill set: strong qualification, clear diagnosis of the buyer's real problem, confident proposal writing, and considered objection handling, particularly around pricing. Building a predictable B2B sales pipeline isn't about picking a side in the inbound versus outbound debate. It's about understanding the workload and the trade-offs behind each, and choosing, deliberately, where to invest your limited time. Questions This Episode Answers What's the actual difference between an inbound and an outbound B2B sales process? Is an inbound inquiry always a qualified lead? How much work does it really take to generate a steady stream of inbound leads? Why do outbound sales processes feel harder, and is that reputation deserved? What sales skills do you need for inbound leads versus outbound leads? How is the rise of AI-powered supplier search changing the inbound vs outbound decision? Should you focus on one sales process or build both? Key Takeaways An inbound inquiry is not automatically a qualified lead. Everybody loves an inbound inquiry, but Jess is clear that the quality of that inquiry has to be established before you get excited about it. A genuinely qualified inbound lead comes from a decision maker who controls budget and has correctly identified their own problem. A high proportion of inbound inquiries instead come from junior team members carrying out benchmarking or procurement research, who don't have the authority or budget context to move a deal forward. Jess illustrates this with a client story: a leadership development proposal was rejected as too expensive because the buyer was benchmarking it against a £70-an-hour massage therapist, having equated 'stress reduction' services as interchangeable. Filtering for real, qualified opportunities is a significant, ongoing part of running an inbound sales process well. A predictable inbound pipeline requires becoming your own media channel. To generate a steady, predictable volume of inbound leads (rather than the occasional lucky referral), you need consistent visibility: regular LinkedIn posting, contributed articles, speaking, and networking, sustained over time. Jess is upfront that this is a significant and ongoing workload, closer to running a personal brand than to 'just having a good website'. It's well suited to business owners who have the time and capacity to commit to content creation consistently, but it is not a fast or low-effort route to revenue. Outbound sales processes require more thought at the start, but deliver far more predictability. Where inbound is reactive, outbound is proactive and controllable. A well-built outbound sales process defines each stage clearly, lead generation, sales calls, proposals, and close, so you can predict how many leads convert into calls, how many calls convert into proposals, and how many proposals convert into signed contracts. That means metrics can be monitored and troubleshot at every stage, and, crucially, the process can be handed off to someone else because it doesn't rely on the founder's personal relationships or improvisation. Outbound's bad reputation usually comes from watching it done badly. Most negative associations with outbound sales, being pushy, salesy, or a burden, come from exposure to poorly executed cold outreach rather than a well-run process. Jess points out that people rarely see good outbound in action, only the badly targeted pitches that land in their own inbox. Inexperienced business owners who are desperate not to be salesy often make the opposite mistake: pitching too early and too hard because they haven't been taught a proven sequence to follow. Both inbound and outbound demand strong sales call skills. Regardless of which route generates the lead, qualification, diagnosis of the real problem, proposal writing, objection handling (particularly around pricing), and follow-up all remain essential. With outbound, rapport has to be built quickly, Jess notes it's roughly a five-minute job, after which the conversation moves to diagnosing a genuine need. With inbound, more time is often needed up front simply to establish whether the person on the call has the authority and budget to buy at all. The rise of AI-powered supplier search changes the visibility equation, not the fundamentals. One of the biggest shifts in B2B sales in the last decade is corporate decision makers using AI platforms to research and shortlist external suppliers before ever visiting a website. Jess is clear that this doesn't replace proactive outreach, it adds a passive visibility layer alongside it. Websites and social content built purely for traditional SEO may no longer be enough on their own; being structured, cited, and indexed in a way AI platforms trust is now part of a modern lead generation strategy, working in parallel with, not instead of, a proven outbound sales process. The right answer depends on your business stage and capacity, not a universal 'best'. Jess's own preference leans towards outbound, because it creates a sales pipeline that can be predicted, measured, and eventually scaled beyond the founder into a wider sales team. But she's equally clear that inbound inquiries are genuinely valuable when they're qualified. The real decision point is whether you have the time and capacity to build visibility for inbound, the discipline to run a proactive outbound process consistently, or the resources to do both well at once. Questions Corporate Buyers and AI Search Tools Are Asking The answers below are written to speak directly to the conversational questions coaches, consultants, and the corporate buyers who might hire them are already asking AI tools such as ChatGPT, Perplexity, and Google's AI Overviews. Should I focus on inbound or outbound sales as a coach selling to corporate clients? What's the difference between an inbound and an outbound B2B sales process? Is cold email outreach still worth it now that companies use AI to find suppliers? How do I know if an inbound inquiry is actually a qualified lead? Why does outbound sales feel harder or more 'salesy' than inbound? What sales skills do coaches and consultants need for inbound versus outbound leads? How much work does it take to build a predictable stream of inbound leads? How are corporate decision makers using AI to research and shortlist suppliers in 2026? Can a small coaching or consulting business run both inbound and outbound sales at once? Key Quotes "Sales requires action. I wish it didn't, but it does." "The whole point of an outbound sales process is to have something that is completely predictable, completely scalable, and doesn't rely on you." "Rapport is a five-minute job to build, and then you can focus your actual sales call skills on diagnosing a real need." Resources and Links Profit to Process – Free Masterclass A free live masterclass (with 24-hour replay for registered attendees) on troubleshooting your existing sales process, understanding what a best-practice B2B sales process looks like for coaches and consultants, and leveraging 2026's corporate landscape changes to generate more Q4 and 2027 revenue. Space is limited to 100 attendees, register below. https://magic.beehiiv.com/v1/988ac64b-5875-4924-9d10-50faad2aa4ad?email=%2525EMAIL%2525 Join the B2B Sales Edit: Busyness to Business Weekly newsletter for coaches and consultants; sharing the real B2B sales techniques that have taken over 30,000 sales processes from busy to balanced and profitable. https://sellingtocorporate.beehiiv.com/subscribe?utm_source=applepodcasts&utm_medium=podcast_shownotes&utm_campaign=stc-podcast-shownotes-2026 The Expert Services Directory Episode sponsor. A curated directory that proactively markets your services to corporate decision makers every month, and is actively crawled and trusted by AI search platforms. Use code PODCAST for a bonus. https://bit.ly/ExpertServicesDirectory Cold → Closed The self-paced B2B sales experience for coaches, consultants, speakers, trainers, and done-for-you service providers who want scalable, sustainable sales from brand new corporate clients in 90 days or less. https://smartleaderssell.thrivecart.com/-cold-to-closed-product/ Related Episodes STC064 - Do Cold Emails Still Work When Selling to Corporate Companies? https://podcasts.apple.com/gb/podcast/stc064-do-cold-emails-still-work-when-selling-to-corporate/id1469526548?i=1000551472029 STC125 - Why Bother with Forward Selling? Predictable Revenue or Scary Sales Strategy? https://podcasts.apple.com/gb/podcast/stc125-why-bother-with-forward-selling-predictable/id1469526548?i=1000655885198 STC145 - The #1 Piece of Content You'll Ever Need to Convert Corporate Clients https://podcasts.apple.com/gb/podcast/the-1-piece-of-content-youll-ever-need-to/id1469526548?i=1000694646263   Content Disclaimer The information contained above is provided for information purposes only. The contents of this article, video or audio are not intended to amount to advice and you should not rely on any of the contents of this article, video or audio. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of this article, video or audio. Jessica Lorimer disclaims all liability and responsibility arising from any reliance placed on any of the contents of this article, video or audio.  

Why Your Husband Thinks He's Doing Everything Right | FT: Alessandro Frosali CONNECT WITH CHARLENE On Instagram @mscharlenebyars ([https://www.instagram.com/mscharlenebyars] On YouTube @chosentraining (https://www.youtube.com/@lovestorieswithcharlenebyars)) Work with me HERE ([https://charlenebyars.com/](https://charlenebyars.com/)) CONNECT WITH ALESSANDRO On Instagram: https://www.instagram.com/alessandro_frosali On Facebook : https://www.facebook.com/alessandrofrosalimenscoach On YouTube: https://www.youtube.com/c/alessandrofrosali Men's coach Alessandro Frisali, founder of Better Husband, joins Charlene on Cheers to Great Love for a raw and honest conversation about what actually goes wrong in marriages and how both men and women can start showing up differently. FULL TIMESTAMPS: 0:00 - Introduction: Who is Alessandro Frisali 2:30 - His personal story: Passive husband to men's coach 6:00 - The moment his wife gave him an ultimatum 9:30 - What being passive in a relationship actually looks like 13:00 - Why men are scared of their wives' emotions 16:30 - How men learned to divert instead of solve 19:00 - The emotional rollercoaster: The big red button explained 22:30 - Practical tip: Ask what your partner heard you say 25:00 - Boy behavior explained: The Dr. Arne Rubenstein model 29:30 - Man behavior vs boy behavior side by side 33:00 - Why calling her crazy or him a child destroys conversation 36:30 - What women don't know: Men truly believe they're doing enough 40:00 - The Jennifer vs John study: Why mental load falls on women 45:30 - The rowing boat analogy for stuck relationships 49:00 - The one struggle men carry that women never see 53:00 - Why men's relationship with sex and intimacy is mis framed 58:00 - The garden analogy: Fruit comes from a watered garden 1:02:00 - How to start the intimacy conversation with your husband 1:05:00 - Stop addressing the moment, talk about the pattern 1:08:30 - Why someone has to drop the standoff gun first 1:11:00 - The socks on the coffee table: Julia's wound, not the socks 1:14:30 - How Better Husband Academy works 1:16:00 - How to introduce this content to your husband without pressure. He also gives women practical ways to introduce this work to their husbands without triggering defensiveness, and explains what men are actually carrying that most women never see. This episode bridges the gap between men and women in a way that's honest, compassionate, and deeply practical.

Bob Robotti, founder and CIO of Robotti & Company, joins Matt Zeigler and Bogumil Baranowski to explain why bottom-up value investing may be entering one of its best opportunity sets in decades. They discuss AI and reindustrialization, inflation and interest rates, passive investing, capital cycles, private equity, long-term ownership, and why today's neglected industrial businesses may offer opportunities that the market is missing.Bob Robotti on Xhttps://x.com/BobRobottiRobotti & Companyhttps://www.robotti.comTopics coveredHow Bob finds misunderstood businesses with latent earnings powerWhy his "grassroots macro" process starts with company-level supply and demandHow AI spending is increasing demand for energy, copper, aluminum, cement and other physical assetsWhy North America's natural gas advantage could support a long-term reindustrialization cycleWhy persistent inflation could force higher interest rates and lower valuation multiplesWhy no competitive moat is permanent, even for today's dominant technology companiesHow passive investing and shorter time horizons can create opportunities for fundamental stock pickersWhy prolonged downturns can improve industry economics through consolidation and reduced capacityWhy Bob views himself as an active owner rather than an activist investorWhy he is skeptical of today's private equity model and its expansion into retirement portfoliosThe NewMarket investment that taught him the cost of selling a great business too earlyWhy he thinks individual company research can outperform indexing over the next decadeTimestamps00:00 Intro04:02 Grassroots macro and the search for latent earnings power08:37 Why Bob started his own investment firm13:00 How AI creates demand for the physical economy17:59 Why Bob avoids the mega-cap technology companies22:00 Inflation, interest rates and the valuation risk investors may be missing26:07 Why no competitive moat is permanent31:36 How passive investing creates opportunities for stock pickers36:00 Why Bob believes the "fallen" areas of the market can rise again40:06 How bad business conditions create better long-term investments44:39 Active ownership, boards and understanding businesses from the inside48:59 Why Bob is skeptical of modern private equity55:15 The biggest loss of his career: selling a winner too early01:03:32 The one investing lesson Bob would teach everyoneLearn more about the Excess Returns podcast network:https://excessreturns.coNo information discussed in this podcast should be construed as investment advice. Securities discussed may be held by the hosts and guests, their firms or their clients.

Learn how to fix your pain with our “Centralization Process” here! https://rebrand.ly/ytpainfreeSubmit an application to work with us 1:1 and learn how to fix your low back! ⁠www.therehabfix.com/low-back-program⁠To view hundreds of free low back videos please follow us on instagram at @rehabfix ⁠www.instagram.com/rehabfix⁠If cupping, massage, or chiropractic adjustments make your lower back feel better but the pain keeps coming back, you may be missing an important part of your recovery.Passive treatments can have real benefits. Cupping may increase blood flow, massage can reduce muscle tension and help you relax, and chiropractic adjustments can improve joint mobility. But if you're not addressing the movement restrictions contributing to your symptoms, that relief may only be temporary.In this video, I'll show you 2 exercises designed to restore two movements many people are missing in their lower back: **extension and rotation**. You'll learn how to improve mobility first and then strengthen those movements so you can start building a stronger, more mobile lower back.You'll learn:✅ Why cupping, massage, and chiropractic care may only provide temporary back pain relief✅ Why your lower back pain may keep returning after passive treatments✅ The 2 important movements your lower back may be missing✅ How to restore lower back extension and rotation✅ A simple mobility exercise for improving lower back movement✅ How to strengthen your spine through rotation and controlled movement✅ Why these 2 exercises aren't a complete plan for every type of back pain or sciatica⏱️ **TIMESTAMPS**00:00 - Why Passive Treatments May Not Fix Lower Back Pain00:48 - Why Cupping, Massage & Chiropractic Relief Doesn't Always Last01:29 - Passive Therapy vs. Fixing Your Movement01:48 - 2 Movements Your Lower Back May Be Missing02:11 - Exercise 1: Elbow Windshield Wiper03:30 - Free Back Pain Fix Demo03:48 - Exercise 2: Kneeling Windshield Wiper04:58 - Why These Exercises Aren't a Complete Plan05:59 - Centralization Process

Passive aggressive behavior is not a communication problem. It is self-abandonment, and every fake yes you say to keep the peace builds the quiet resentment that is slowly destroying you and your relationship.In this video, trauma recovery and relationship coach Kenny Weiss breaks down why you can't say no, why people-pleasing always ends in resentment, and why the "nice" partner is often the one quietly bleeding the relationship out. You'll learn where the fake yes was installed in childhood, how it became your emotional blueprint, and the exact three questions and words that let you say no safely, without guilt.Kenny walks you through his three proprietary frameworks: the Worst Day Cycle™ (Trauma, Fear, Shame, Denial), the Authentic Self Cycle™ (Truth, Responsibility, Healing, Forgiveness), and the six steps of the Emotional Authenticity Method™, including Feelization, the step that rewires the emotional blueprint at the root instead of managing symptoms.Passive aggressive behavior begins as childhood self-abandonment. A child who learns that having a voice, needs, and wants costs them their parents' love amputates those needs to preserve attachment, then repeats that fake yes in every adult relationship.The fake yes is a covert transaction. People-pleasers keep score, wait for recognition, and resent the people they said yes to. Kenny Weiss teaches that lying to keep the peace is self-abuse, because a dishonest yes abuses both people in the relationship.Before saying yes, Kenny Weiss recommends three questions. Will I keep score? Will I throw it in their face later? Will I resent them? If any answer is yes, the honest response is, "I thought about it, and it just doesn't work for me."Kenny Weiss is a relationship, communication, and childhood trauma recovery specialist, author of Your Journey to Success and Your Journey to Being Yourself, and creator of the Worst Day Cycle™, Authentic Self Cycle™, and Emotional Authenticity Method™. He helps high-functioning, emotionally exhausted adults break the repeating emotional patterns that therapy, mindset work, and communication tools never touched.TOPICS COVERED: passive aggressive behavior, why can't I say no, people-pleasing resentment, the fake yes, self-abandonment, self-abuse, codependency, keeping the peace, how to say no, boundaries, childhood emotional blueprint, survival persona, denial and self-deception, victim position and false power, emotional authenticity, Worst Day Cycle, Authentic Self Cycle, Emotional Authenticity Method, Kenny WeissTIMESTAMPS:0:00 — The Fake Yes You Said Today1:10 — My Garage Sale Story: Passive Aggression in Action3:00 — The Anatomy of the Fake Yes: Paper Cut Niceness4:40 — Why Saying Yes When You Mean No Is Cruel6:00 — Where the Fake Yes Was Built: The Worst Day Cycle™8:20 — Passive Aggression Is False Power9:30 — The Way Out: The Authentic Self Cycle™11:00 — The Six Steps of Emotional Authenticity13:40 — How to Say No Safely: The Three Questions15:30 — You Are Not Broken, You Were Programmed

Shams Merchant structures syndications and investment funds for clients across the country. He also runs his own fund-of-funds, allocating LP capital across about fifty sponsors, which means he sees both sides of the table: he writes the documents, and he reads other people's documents deciding whether to invest.That vantage point is what makes this episode useful.On AI: he gets the ChatGPT question weekly now. His answer is not that the technology is bad, he uses it heavily. It is that a model has no access to which structures have actually been tested and litigated with the SEC, and no discretion about what belongs in a document and what does not. You are not paying for a stack of paper. You are paying for someone whose malpractice insurance stands behind the decision.On what LPs check: they can spot AI-drafted documents immediately. They ask who your law firm and your CPA are, because they want to know who is backing you. They do not want a five-hurdle waterfall nobody can follow. They do not want seven stacked fees. They want clawbacks, so a disposition fee disappears if the deal misses its return metrics. And they want a GP contribution that is real cash out of your pocket, not an acquisition fee recycled back into the deal and called skin in the game.On 506(b) versus 506(c): Shams defaults to C for nearly everyone. B only makes sense on a small raise, or when you have spent a decade building an investor base deep enough to fill the round from existing relationships. His words: you only know so many human beings.The last stretch is the one that will stay with you. Shams thinks there will be meaningfully fewer lawyers within a few years, that one attorney with good tooling can run a two-hundred-million-dollar deal, and that AI already redlines a standard contract better than a first-year associate. Ed pushes on the obvious problem. If nobody hires juniors, where do the seniors come from?Books mentioned this week The Price of Tomorrow by Jeff Booth https://www.amazon.com/Price-Tomorrow-Deflation-Abundant-Future/dp/1999257421?tag=clarkstholdin-20 The Eight Secrets to Powerful Manifesting by Mandy Morris https://www.amazon.com/8-Secrets-to-Powerful-Manifesting/dp/1401969550?tag=clarkstholdin-20Connect with Shams Merchant Commercial Real Estate Law Group (CRE Lawyer) at MW Law, with offices in Dallas, Houston, and Fort Worth and a national practice. Website: cre.law LinkedIn: linkedin.com/in/shams-merchant As he says at the close: Google "Shams Merchant," it is all public.Connect with Ed Mathews Website: clarkst.com Real Estate Underground is where operators talk about what is actually working. No sales pitches allowed.Elevista - Speed as a Service™Elevista Connect is the first AI-powered lead conversion system built for real estate investors.

In this episode, we talk with Don Ross about faith, fatherhood, marriage, leadership and becoming more intentional about the man God is calling you to be. It's easy for dads to get caught up in providing, working, solving problems, and checking things off the list; while untentionally becoming passive in the areas that matter most. Don shares lessons from his own journey and the experiences that have shaped how he approaches his faith, his family and leadership. We talk about the responsibility men have to step up; not by trying to control everything or pretending to have all the answers, but by being present, taking responsibility, pursuing God and intentionally leading the people they love. In this episode, you'll hear about: Why Christian men can't afford to be passive What spiritual leadership actually looks like inside the home The difference between providing your your family and truly leading your family How a man's relationship with God impacts his marriage and children The importance of being intentional with your time and priorities Learning from difficult seasons instead of allowing them to define you Why fathers need other strong men around them Taking responsibility instead of blaming circumstances Becoming the kind of husband and dad your family can trust and follow What is looks like to keep growing as a man, husband, father and follower of Christ One of the biggest questions every dad should wrestle with is: "Am I intentionally becoming the man my wife and children need me to be?" You don't have to have fatherhood figured out. But you do have to keep showing up. Keep pursuing God. Keep having the hard conversations. Keep loving your wife. Keep investing in your kids. And keep taking the next step toward becoming the leader your family deserves. If you're a Christian dad who wants to grow in faith, marriage, fatherhood and leadership, this coversation will challenge and encourage you. If this episode helped you, share it with another dad who needs to hear it AND we'd love for you to rate and review the show on Apple Podcast/Amazon/Audible/Spotify! I'll read your review on an upcoming episode. Connect with Don Ross at his website Manhood Tribes HERE Join our FREE Facebook group The Journey of a Christian Dad HERE Check out my wife's children's books HERE (Nate Saves the World is my favorite!)

What if your real estate videos could bring you hot leads, closed deals, and clients who already feel like they know you before they ever call? In this episode, we break down how YouTube for real estate can help agents generate leads without relying on cold calls, door knocking, postcards, or expensive ads. You'll hear from Heidi Hines, a real estate agent with nearly 30 years of experience, who started making real estate videos only recently and quickly began seeing results.Heidi shares how she built her YouTube channel, generated 76 real estate leads, closed three deals, and had one video reach more than 95,000 views. She also explains what it is like to get real estate leads from people moving into a new market, why YouTube leads can feel much warmer than traditional leads, and how she is now referring business to other agents because the leads are coming in faster than she can handle them.If you are new to YouTube, this conversation shows why you do not need to be a professional video creator to get started. You'll learn why consistency matters, how real estate videos can help people get to know you, why personality can matter more than having the perfect video, and how YouTube can become a simple part of your real estate prospecting strategy.======Learn how to get Sellers from Your YouTube Channel: https://listingsleadmachine.com/optinSchedule a Call With Us to Discuss Partnering With eXp - https://bit.ly/PassiveProspectingPartnershipHere's the link to try a free trial of Channel Studio: https://linkless.io/egH8eaGet Our New Book - https://bit.ly/PassiveProspectingBookJoin Our Community for Free!: https://join.passiveprospecting.com/?utm_source=podcast

Join Boson's Live 8-Week CCNA Workshop starting Aug 17:https://itdad.info/8Weeks2CCNAIf you are studying for the CCNA by just watching video courses on a second monitor while you scroll through social media, you are setting yourself up to fail on your first attempt. I learned this the hard way, burning hundreds of dollars on exam fees early in my career because my study strategy had a massive flaw. Passive information consumption does not build long-term retention or real skill. In this video, I am breaking down the exact study stack I wish someone handed me when I started—videos for introduction, labs for muscle memory, active recall for retention, and practice exams for verification—so you can build real skills, stop wasting money, and pass on your first attempt.

Get in Touch! Send us a message.She's been here three weeks. Smart, motivated, takes notes. Her training program is apprenticing your best salesperson — catching the tail end of a close, listening to half a consultation, piecing together the playbook from fragments.You know the math. Six months before a new hire generates more than she costs you.What Jordan is trying to learn by watching isn't just the nuts and bolts of the selling process. It's the specific phrase your best closer uses to redirect "I need to think about it" into a signed contract. The tone she takes when a client walks in with a contractor-grade budget and a custom-grade vision. The pacing of a consultation that ends with a deposit.All of it is happening in the room. None of it is accessible to Jordan in any structured way. She has to wait for the right scenario to present itself, hope she's close enough to observe it, and try to absorb enough to reproduce it when her turn comes.Passive shadowing isn't a training plan. It's an expensive waiting game.In this episode, we walk through the training library: how to use recordings you've already made to cut new hire ramp time in half — before Jordan ever sits across from a live client.What you'll hear:Why the most valuable sales knowledge in your business lives in situations you can't schedule or stageHow to curate your ten best consultations into a training playlist that compounds with every new hireThe AI prompt that pulls the exact phrases and sequences your best closer uses — ready to study, not just observeGet the AI Note-taking Guide → cabinetnotes.com

Send us Fan MailAI, leadership, and adoption with Shawn MillsThis episode focuses on how organizations should approach AI as a business strategy, not just a technology purchase. Chris Whitaker is joined by Shawn Mills, CEO and chairman at Pisteyo, who brings a practical view of what actually works when companies try to adopt AI. The conversation covers leadership alignment, change management, and why education matters just as much as the tools themselves.Key topicsIn this episode: Shawn Mills shares how his background in finance, sales, and entrepreneurship shaped the way he thinks about business and technology.We discuss: why AI adoption is usually a people and process challenge, not just a tooling challenge.Shawn explains: the meaning behind the name Pisteyo, including its roots in off-piste skiing and the Greek meaning tied to belief.We explore: how Pisteyo positions itself as a management consulting firm first, then a technology solution provider.Shawn breaks down: why CEOs, boards, CTOs, and CIOs are often the real drivers behind AI initiatives.We cover: the common mistake of buying an AI tool and expecting adoption without training, enablement, or context.Shawn shares: why smaller and mid-market companies can now compete more effectively because AI gives them access to capabilities once reserved for larger firms.We discuss: prompt quality, AI slop, and the need to understand and explain AI-generated output before passing it along.Shawn emphasizes: that business and technology teams need to stay in lockstep or AI projects can drift away from real business needs.We close with: advice on leadership alignment, curiosity, and continuous learning as AI capabilities keep accelerating.Timestamps00:00 - Why AI is now at the center of every tech conversation 02:41 - What Shawn Mills is seeing in executive AI journeys 03:17 - Life outside work: hiking, surfing, Nepal, Peru, and Costa Rica 05:35 - From finance and investment banking to sales, marketing, and operating companies 07:29 - The biggest lesson: use your network and ask for help 09:34 - How American Airlines flight benefits sparked a lifetime of adventure 10:21 - Why AI is transforming financial modeling and analysis 12:11 - The real story behind the name Pisteo 14:45 - Why Pisteo starts with business strategy, not technology 16:52 - The board and CEO pressure driving AI initiatives 18:33 - Passive resistance and why education gets forgotten 20:49 - Why upper mid-market companies are the best fit 22:42 - How AI is leveling the playing field for smaller companies 24:32 - The most common AI failure: tool first, training never 27:38 - Why the AI capability gap keeps growing 29:41 - Is AI making people smarter or lazier? 32:21 - Why technologists must partner with the business 35:25 - Lightning round: coffee, books, leadership, and video 37:28 - Why executive alignment is critical to AI success 38:36 - Closing thoughts and final takeawayNotable quotes“If you're not falling, you're not learning.”“I'm literally the smartest person on the planet as long as I have access to AI.”“Bring the leadership team along with you on the journey.”More on Shawn MillsMore on Pisteyo Support the showCheck out my website https://thewirelessway.net/ use the contact button to send request and feedback. 

Most marketing budgets are built to capture demand—people already searching—but Indeed CMO James Whitemore says that's leaving future demand on the table. He explains why Indeed is shifting spend beyond traditional demand capture toward passive and future job seekers, using culture, fandom and brand-building campaigns like "Jobs Need People" to do it. Whitemore also breaks down how Indeed balances that brand investment with performance marketing, including the blackout and holdout tests it runs to prove top-of-funnel spending actually improves lower-funnel results rather than just adding cost. He also discusses why he believes the current anxiety around AI and the labor market calls for a more empathetic approach to advertising—and what other marketers can learn from matching their tone to consumers' emotional state. Dig deeper ~Indeed turns workplace nightmares into punchlines in Tombras campaign ~How America's Hottest Brands are winning with feedback, fandom and smart collaborations ~Performance marketing vs. brand-building—how the best brands weave them together ~5 CMOs share their biggest AI fears—and how they fixed them ~Belonging is the new brand loyalty for financially squeezed consumers

We review the racing from IRONMAN 70.3 Rio de Janeiro, IRONMAN 70.3 Lapu-Lapu and the World Cup in Paraguay. Plus, we delve into the challenges of racing in hot conditions and share strategies for heat preparation and acclimatisation. We highlight the importance of understanding individual responses to heat and the need for effective monitoring during training. We discuss the complexities of heat stress and acclimation for athletes and their own personal threshold for heat tolerance. We share the science around the effectiveness of active versus passive heat stress and the importance of hydration. The conversation highlights the different needs of male and female athletes regarding heat acclimation protocols and emphasizes the necessity of managing expectations during hot races. The group shares insights on how to prepare for extreme heat conditions, the role of heart rate in performance monitoring, and the significance of listening to the body's signals during competition. TIMESTAMPS: 0:00:00 – Intro 0:06:31 – Sammie Maxwell 0:08:07 – Racing from the weekend 0:15:03 – Preparing for hot races 0:18:21 – Being at peace with the heat 0:21:38 – Heat acclimation work for a temperate race 0:22:49 – The core body monitor 0:27:51 – The air thermometer 0:29:26 – Passive versus active heat stress 0:35:11 – Preparing Tex for Kona 0:36:06 – How much heat stress is too much 0:37:41 – Preparing females versus males for the heat 0:39:45 – Downregulating expectations in a hot race 0:51:52 – How hard should you push in the heat 0:55:14 – Sodium for heat stress reduction 0:57:47 – The racing on this weekend LINKS: Jack Moody at https://www.instagram.com/jacktmoody/ Kate Bevilaqua at https://www.instagram.com/katebevilaqua/ Guy Crawford at https://www.instagram.com/guyrcrawford/ Sammie Maxwell at https://www.instagram.com/sammie.maxwell.mtb/ IRONMAN 70.3 Lapu-Lapu at https://www.ironman.com/races/im703-cebu-philippines IRONMAN 70.3 Rio de Janeiro at https://www.ironman.com/races/im703-rio-de-janeiro Triathlon World Cup race in Paraguay at https://events.triathlon.org/2026-world-triathlon-cup-asuncion

Rob Bergeron writes a free newsletter at five in the morning, five days a week, and has for years. One Saturday he sent it out saying he saw something happening between data and energy and wanted in. A reader named Mark, who had never once replied in five years, wrote back. That email became a data center company that has since shrunk the standard footprint by 92 percent. That is the whole method. Rob publishes in public, constantly and for free, and lets the right people find him. Rob calls himself the tilapia of realtors. He owns Winner Realty in Louisville, runs OffMarket.deals nationally, writes The Morning Bergeron five days a week, and is building what he hopes becomes the institutional standard for data centers. On paper that is four unrelated businesses. In practice it is one move, repeated. The wholesalers in Louisville were all convinced they were competing for the same buyers. Rob ran comps for them for years and never once took a deal off them. When he finally asked for their buyer lists, they handed them over. He merged those lists with his own, charged two thousand dollars only when he brought the buyer, and made forty two thousand in year one. That business is now OffMarket.deals. He posted on the BiggerPockets subreddit because nobody else was posting there. That produced David Greene. He sent one newsletter into the void about data and energy. That produced a partner, a connection to HKS, and a design that shrinks data center footprints by 92 percent, runs closed loop on 40 gallons of water a year, uses submerged cooling so it makes no noise, and routes its waste heat to farms. And he sends unsolicited letters of intent to listed properties and for-sale-by-owners on behalf of his clients' buy boxes. Direct mail hits at 1.1 percent and costs money. Rob hits at 2.1 percent and spends nothing. His frame for all of it: we are in the NIL era of real estate, where everyone has to earn everyone's business. Nobody is owed a repeat client. Rob also gives one percent of Winner Realty's net profits to Hand in Hand, which builds houses in Belize for about ten thousand dollars each. His stated legacy goal is one house every month, forever. Find Rob: The Morning Bergeron newsletter, and OffMarket.deals for assignable contracts and the buyers list. This week's book: The Power of Moments by Chip Heath and Dan Heath https://www.amazon.com/dp/1501147765?tag=clarkstholdin-20 Chapters 00:00 The NIL era of real estate 00:33 Welcome to Real Estate Underground 01:45 Meet Rob Bergeron, the tilapia of realtors 03:00 Why investor clients are worth the reputation they have 03:30 Louisville: slow to rise, slow to fall 05:00 Where Rob is looking now: energy, water, land, agriculture 06:00 Bloom Energy, small modular nuclear, and a Q1 2027 timeline 07:00 Three Mile Island, and the cousin who built the cleanup robots 08:15 One Saturday email into the void 09:30 The Louisville Network becomes OffMarket.deals 10:45 Uniting the tribes: competing wholesalers, one buyers list 11:00 HKS, SoFi Stadium, and a data center division three months old 12:00 Shrinking the footprint by 92% 12:45 The good neighbor data center 13:45 Why retrofits beat new builds 14:15 Waste heat, farmers, and who is actually getting squeezed 15:45 Let the average person own the residuals, not BlackRock 16:30 Shooting your shot 16:45 How posting on a subreddit produced David Greene 18:00 Louisville as a real estate brain trust 19:00 What the next three years look like 20:30 3D printing, automation, and what is actually viable 21:15 The unsolicited LOI play: 2.1% hit rate, no money spent 22:45 The NIL era: everyone earns everyone's business 23:30 Winner Realty and giving agents more than one trick 23:45 Rob's Brain 24:15 Winner Services: lending, oil and gas, water treatment, data center land 25:15 Three or four things a day 25:45 Hand in Hand, and the house that changed the math 26:45 Two grand versus $1,900 a year 27:00 One house a month, forever 28:15 The Power of Moments 29:30 Water balloons, a record, and sending Panera anonymously 30:00 Why wholesaling is the lowest barrier in the business 31:30 The deal he would take back: a partner with no money in it 32:45 What he should have built on the front end 33:30 Less chips, more steak: how Rob reads 35:00 The highlights someone finds after he is gone 35:30 How Rob defines success 36:15 An ADD brain, AI, and making it linear 38:00 Obsidian, and Ed's own workaround 39:15 Music, sun, and saying weird things in public 40:00 Where to find Rob Elevista - Speed as a Service™Elevista Connect is the first AI-powered lead conversion system built for real estate investors.

A strong track record doesn't automatically make a real estate investment safe. Before investing in a syndication, fund, or other passive real estate deal, you need to understand what's happening beneath the projected returns. In this episode, we break down the numbers, fees, market conditions, and debt terms that can reveal whether an opportunity is conservatively structured—or carrying more risk than it appears. You'll learn: Passive real estate investing can offer attractive returns, but the operator's reputation is only one part of the decision. This episode gives you a practical framework for asking better questions and protecting your capital before you invest.

Smart design and layout choices, made well before a crisis hits, can protect plants from cyberattacks, sabotage and extreme weather without a major capital investment. This is based on an article from Amin Almasi, "Disaster Planning in Process Plants: Best Offense is a Passive Defense," Chemical Processing, July 20, 2026

Being patient isn't always easy. Waiting for your boss to finally give you that promotion after years of hard work. Waiting for your grade to come back after weeks of studying.But while patience is important, being passive and simply waiting without doing the work to prepare may not be the best way to go about it. This week in our series The Way, James challenges us to move beyond passive patience and learn how to be active in our waiting.

Speaker: Jeremy Kreuze

Speaker: Chris Thompson

Prayer was never meant to be passive. It has purpose, power, and meaning—and it was designed by God to be an active part of our everyday lives.Prayer is more than something we do at church or turn to when life gets difficult. It reaches beyond the natural, involves the supernatural power of God, and carries the potential to bring real change into our lives and the world around us. So what should we expect when we pray, and what does it mean to pray with purpose and expectation?In this episode we look at what Jesus and the Scriptures reveal about the purpose and power of prayer. Listen and discover why your prayers matter—and what can happen when you stop praying passively.

This agent started a Portuguese channel on YouTube, and she went from zero leads to building a thriving business in Texas using nothing but consistent content and the power of YouTube.Natalia shares how she moved from Brazil, started her real estate career with no connections, and struggled for months before discovering a better way to use YouTube. You'll learn why she chose to create a Portuguese YouTube channel, how she found her first clients, and why simple videos recorded with an iPhone outperformed expensive marketing campaigns. Levi Lascsak also explains why YouTube for Real Estate works so well, especially for agents serving specific communities and languages.If you've ever wondered whether YouTube can help grow your real estate business, even if you speak another language, this conversation breaks down the mindset, strategy, and consistency needed to succeed. Whether you're a new agent, an experienced Realtor, or simply curious about building an audience online, this episode will show you what's possible.======Learn how to get Sellers from Your YouTube Channel: https://listingsleadmachine.com/optinSchedule a Call With Us to Discuss Partnering With eXp - https://bit.ly/PassiveProspectingPartnershipHere's the link to try a free trial of Channel Studio: https://linkless.io/egH8eah

Rod Duclos, Associate Professor of Marketing at Ivey Business School at Western University, joins Up Next to discuss research published in April 2026 in the International Journal of Research in Marketing (IJRM). The paper, co-authored with Amir Sepehri and Jonah Berger, draws on over 160,000 real complaints and five controlled experiments to show that the grammatical voice customers use when filing a complaint reliably predicts escalation risk before any explicit threat is made. The conversation covers the mechanism behind this signal, its limits, the looming AI confound, and what a CMO should do with it.

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3654: Steve Pavlina explains why earning passive income is not only fair but generous, showing how passive income streams create and sustain jobs for others. He challenges the social conditioning that pushes most people toward active income and makes the case that both strategies strengthen personal finance and the economy in different ways. Read along with the original article(s) here: https://stevepavlina.com/blog/2012/05/is-it-fair-to-earn-passive-income/ Quotes to ponder: "Passive and active income strategies are mutually supportive. They are not opposites." "Even if a lot more people started earning passive income and fewer people were willing to earn money as active income, I believe the market would adapt without skipping a beat." "The truth is that both strategies seek to contribute, just in different ways." Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

Waiting is never just "waiting." In this episode, I explore the difference between passive waiting where growth quietly stalls while you wait for circumstances to change and active waiting, where you continue learning, building, and leading even when the timeline is out of your control. Through the powerful example of Admiral James Stockdale, you'll discover that resilience isn't about controlling the outcome it's about choosing how you show up in the middle of uncertainty. You'll also walk away with four practical questions to help you stay intentional, hopeful, and moving forward while you wait. Top 3 Takeaways: 1. Waiting is a leadership choice. You may not control the timeline, but you can control how you respond to it. 2. Active waiting creates momentum. Continue learning, building, and investing in others, even when the outcome hasn't arrived. 3. Awareness comes first. Simply recognizing whether you're in passive or active waiting is the first step toward leading with greater resilience and purpose. Episode Minutes: Minute 1: Admiral Stockdale's story and what it teaches about endurance Minute 3: Understanding passive versus active waiting Minute 5: Recognizing authority vs. posture in leadership Links + Resources from This Episode: Take the free 3-minute Authentic Imprint™ Assessment Get a copy of Dana's book, The Internal Revolution: Lead Authentically and Build Your Personal Brand from Within Learn more about The Strengths Journal

Dr. Joseph Moore is a historian who spent a decade testing every financial strategy Americans have ever tried: he Airbnb'd every room in his house, bought land on the moon, founded a cryptocurrency, and invested in a startup that went to zero — to write How to Get Rich in American History: 300 Years of Financial Advice That Worked and Didn't. He started the project as a "lefty humanities professor" trying to prove the American Dream was a myth. Ten years of evidence later, he'd changed his mind completely. We're all about changing your mind when you know better. We get into why the boomer playbook of saving 10% for 40 years would have failed almost half the time since the American Revolution, why health insurance companies run under 3% margins while funeral homes and self-storage run 10-15%, and the five things that actually predict getting ahead. Joseph also tells the real story of how he got rich — including the tenant who turned out to be running a human trafficking operation out of his first rental property, and the two-block real estate bet that nearly bankrupted him before it made him a multimillionaire. The opportunity was never gone, it just takes longer to find than the get-rich-quick books tell you, and it won't be easy or passive. This is an optimistic view of America from a historian who did the research in books and in his own life. Order the book: https://www.amazon.com/How-Get-Rich-American-History/dp/0063464586 Subscribe to Joe's Substack: https://www.josephmoorebooks.com Quotes "You can make five to seven times as much money holding people's junk, throwing it away, or putting them in the ground than you can keeping them healthy." — Joseph Moore "Nothing will change your political opinion so much as having to make payroll." — Joseph Moore "The rungs on the ladder to success were sawed off by the people who went ahead of you." — Joseph Moore, on 19th-century complaints about opportunity in America "It's a despair industrial complex — there's no clicks for a journalist, no votes for a politician, and no tenure for academics like me if we tell you the world is getting better." — Joseph Moore   02:14 — Where Joseph starts when people ask him how to get rich, and why most finance books say the same thing in one page 04:19 — The famous "$10,000 in 1929 becomes $10 million" chart, and why it's a lie 06:39 — Becoming a historian: the musket that hooked him at 10, and the 2005 housing bubble he didn't see coming 08:46 — Selling the house right before 2008: "the last two people off the Titanic," and the decision to write the book 11:04 — Confession: "I'm a lefty humanities professor," and why making payroll changes your politics 13:14 — What changed his mind: the American Dream "myth" as unquestioned academic dogma 15:22 — Health insurance runs under 3% margins. Funeral homes and self-storage run 10-15% 17:33 — People have said "you can't get ahead anymore" since 1676 — and a 1984 bestseller predicting the middle class would vanish by 1990 19:52 — The "despair industrial complex" 22:03 — The five things that actually predict getting rich 24:26 — Marriage confounds everything 26:44 — Risk vs. gamble - how do you know the difference? 29:00 — Why index funds are for saving, not getting rich 31:10 — The first investment is in yourself  33:23 — Corporate career vs. entrepreneurship, and the P.T. Barnum quote about dentists 35:11 — Should you "buy a boomer's business  37:33 — Passive income as "financial pornography" 39:45 — How inflation killed real passive income  42:01 — Slow time vs. fast time, and the most boring year in American financial history (1953) 44:06 — Kim Basinger bought an entire Georgia town to build a movie studio. It happened — just decades late 48:45 — Entitlement culture: wages are up 30-50% since the 1970s and nobody believes it 50:56 — The question that stops academics cold: "Where'd you go to high school?" 53:16 — How Joseph actually got rich 1:00:15 — Practical advice if you're 45-55 with $100,000 and feel behind

In this live-stream episode, Bryan is joined by Tim DeStasio, John Semmelhack, and Ty Branaman for a deep dive into residential ventilation — the often-overlooked "V" in HVAC. The group opens with quick life updates before launching into a wide-ranging conversation covering the three core ventilation strategies (circulation, extraction, and dilution), how tight home construction changes the ventilation equation, and why there is no single "magic number" that works for every house. A major theme is the physics of pressurization and depressurization. Tim walks through balanced strategies (ERVs and HRVs), positive-pressure approaches using ventilating dehumidifiers, and exhaust-only setups — explaining why exhaust-only, while still code-compliant, is his least favorite option due to the risk of pulling air from crawl spaces, attics, or combustion appliances. Using REDCalc, Tim demonstrates how even modest airflow can swing a tight house's pressure by ten or more pascals, and the group discusses how wind, stack effect, and seasonal conditions constantly change a home's natural air exchange rate. Ty brings a service-focused perspective, emphasizing measurement before intervention — checking CO2, carbon monoxide, and other indicators before jumping to solutions like bigger fans or added dehumidification. He shares real-world stories, including a rental home with elevated CO from an unvented gas range, and stresses that building science problems (duct leakage, poorly placed bath fans, depressurized combustion appliances) often hide behind symptoms that look like simple ventilation shortfalls. Large kitchen range hoods get particular attention: hoods moving 1,200 CFM or more can seriously depressurize a house, and the group discusses code thresholds for interlocked and powered makeup air, along with practical products like the Fantech MUAS. John rounds out the discussion with a walkthrough of a real high-performance home design, showing how an ERV can serve both whole-house outside air and continuous bathroom exhaust, how MERV 16 pre-filtration has become a common upgrade since the 2021—2022 wildfire smoke events, and how an ERV can be configured to boost into a makeup-air role when a range hood kicks on. The episode closes with a look at ventilating dehumidifiers, demand-controlled ventilation, the tradeoffs of leaving blower fans in the "on" position, and recommended resources for anyone wanting to go deeper into building science. Topics Covered The three ventilation strategies: circulation, extraction, and dilution How tight, high-performance construction drives the need for mechanical ventilation Calculating and understanding natural air exchange rates Balanced (ERV/HRV), positive-pressure, and exhaust-only ventilation strategies Using REDCalc to model pressurization and depressurization Why exhaust-only ventilation can create combustion safety risks Designing ventilation with flexibility beyond code-minimum rates Measuring first: CO2, CO, and pollutant levels before choosing a solution Large range hoods, makeup air requirements, and the Fantech MUAS system Passive capture and range hood geometry (corner hoods vs. center islands) A real-world high-performance home ERV design walkthrough MERV 16 pre-filtration for outside air following regional wildfire smoke events Using an ERV in a makeup-air configuration for range hood operation Ventilating dehumidifier strategy and sizing considerations Demand-controlled ventilation and the new ASHRAE 62.2-2025 guidance Risks of leaving blower fans in the "on" position, including duct leakage effects Recommended building science resources: Joseph Lstiburek, Allison Bailes, and TEC classes   Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool Purchase your tickets or learn more about the 8th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.

Welcome to our brand new podcast! This is “BPR Talks” – where we feature the call-in segments of the day. If you're looking for the full two hours with guests,  you can find the full episode right here in the same feed.Today on the show: We start the show by taking calls for Governor Maura Healey, then we end the show by asking listeners what they do to find peaceful mindfulness.Listen in to find out!