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Alright, Note Closers, brace yourselves!
Stop chasing visibility and start building authority. Beth Nydick, a former TV producer with almost 20 years in digital media (who's been everyone from Dr. Oz's blogger to a cocktail cookbook author), breaks down why most entrepreneurs are completely missing the point when it comes to podcast guesting. This isn't about landing the interview, it's about what you do with it. Beth shares her signature MICS Method for turning one podcast appearance into $10,000 in client revenue and calls out the fake PR "experts" who are selling you snake oil. If you've ever wondered why your podcast appearances aren't converting into sales, this episode will blow your mind.Here's What We Cover:Beth's MICS Method — Her signature system for Messaging, Interview prep, CTAs, and Systems that turns one podcast into $10KThe first 12 seconds rule — What podcast hosts notice immediately that tells them if you're prepared (or winging it)How to do CTAs throughout the entire episode — Why waiting until the end is costing you sales and how to drop breadcrumbs from minute oneThe post-interview promotional system — Beth's exact backend strategy for leveraging one interview multiple times throughout the yearExclusive lead magnets for podcast listeners — How to create different offerings based on specific audiences (not just one generic freebie)... and so much more!Resources Mentioned:Rich Relationships by Selena Soo: https://www.amazon.com/Rich-Relationships-Million-Dollar-Network-Business/dp/B0F35GH7RQConnect with Beth: Find her at @BethNydick on all platformsDM Beth the word "Sophia" on Instagram for her exclusive podcast listener gift: https://www.instagram.com/bethnydick/
Join The Creative Finance Playbook Coaching Program & Learn Directly from Jenn & Joe:https://creativefinanceplaybook.com/wait-list?utm_source=zoom&utm_campaign=wlistRent-to-Own Real Estate Explained | Creative Finance Playbook (No Banks, No Credit Needed)Tired of low-cash-flow rentals and endless maintenance calls? Imagine creating 3 paydays per deal—without banks, without perfect credit, and without saving up huge down payments.In this episode of the Creative Finance Playbook Podcast, Jenn & Joe Della Fave break down exactly how rent-to-own (lease options) can help you build wealth and passive income in 2025.What You'll Learn:What rent-to-own really is—and how tenant-buyers are different from rentersWhy creative finance strategies like seller financing and lease options outperform BRRRR in today's marketHow to generate upfront deposits, monthly cash flow, and big backend checksThe simple paperwork every investor needs (lease + option to buy) to stay compliantReal case studies: families turned into homeowners—and investors freed from being “adult babysitters”Who This Is For:Perfect for real estate investing beginners and seasoned pros who want to build wealth without banks, without credit, and without massive capital.Next Steps:Subscribe to Creative Finance Playbook for weekly strategies to find, fund & close creative real estate deals.
“Can a logo change really cost a company $100 million?”In this episode of The JB and Sandy Show, Sandy, JB, and Tricia unpack the surprising backlash to Cracker Barrel's rebranding—and why it's stirring up so much emotion across generations. From logo nostalgia to dining room redesigns, the crew explores what makes a brand feel like home and why messing with that can spark outrage. But that's just the beginning. The episode also dives into:A listener's passionate defense of Cracker Barrel's original vibe (“F the new CEO!”).The marketing psychology behind brand loyalty and why doubling down on tradition might be smarter than modernizing.Comparisons to Buc-ee's and the idea of Cracker Barrel becoming a road trip destination.A hilarious take on grandma's dining room decor—complete with spittoons and ticking clocks.Then, the conversation shifts to Chris Del Conte, UT's athletic director, who just signed a $38.8 million contract extension through 2036. The crew discusses:The Aggie vs. Longhorn rivalry and the inevitable one-upmanship.Del Conte's impact on UT athletics, including 15 national championships.The economics of college sports and the power of branding (and superstition—looking at you, McConaughey's jacket).Guest Insight: Tricia adds depth and humor to the Cracker Barrel debate, while Sandy and JB bring sharp commentary on sports, branding, and Texas culture.Memorable Quote: “This clock is so loud.” — Tricia, on grandma's house vibes
In this episode of the Expert Speaker Podcast, Majeed Mogharreban interviews real estate investor and wholesaling expert Theresa Beneteau. With 37 years of experience and a deep passion for helping others escape the 9-to-5 grind, Theresa shares how she went from nearly losing her first home at 20 to building a multi-country real estate empire—all starting with wholesaling. She breaks down exactly what wholesaling is, how it works in any market, and how she made $55K from one deal—without owning, fixing, or even visiting the property. Key Takeaways: What Is Real Estate Wholesaling? Wholesaling is the process of putting a property under contract and then selling that contract to another buyer—without ever owning the property. Theresa's Origin Story From struggling 20-year-old homeowner to real estate mogul, Theresa shares the raw and real story of how she learned about wholesaling from a mentor who changed her life. A $55,000 Payday Story Theresa details a creative win-win-win transaction that helped a distressed seller avoid a lawsuit and gave a buyer an incredible investment opportunity—all in just four days, netting her $55,000 without ever touching the property. How to Find Good Deals Motivation is key—distressed sellers create opportunities. Theresa explains why understanding seller psychology is more important than negotiating tactics. Wholesaling in Any Market Whether you're in a recession or a hot market, the strategy stays the same. The key is identifying the right buyers and markets. The Power of Remote Wholesaling Thanks to today's technology, wholesaling can now be done completely remotely, even across borders. Why She Wrote "Insta Wholesaler" Theresa's book distills 35+ years of experience into a step-by-step guide for anyone—especially 18 to 30-year-olds—who wants to enter the real estate game the smart way. Notable Quotes: “Don't quit on yourself. Don't quit before the money happens.” – Rick (Theresa's mentor) “Wholesaling is legal. You're just selling the contract—not the house.” – Theresa Beneteau “If you're not where you want to be financially, let's change that. Not one more minute, not one more day.” – Theresa Beneteau “I did it the hard way—with a corded phone, a printed MLS book, and no internet. You've got no excuse now.” – Theresa Beneteau Action Steps: Visit www.instawholesaler.com to grab Theresa's book Book a strategy call with Theresa at www.teresabeneteau.com Take the first step to financial freedom by learning how to wholesale from someone who's lived it Listen If You Are: Tired of the 9-to-5 grind and ready for a change A beginner in real estate looking for a low-barrier entry point Curious about creative ways to build wealth Interested in working remotely in real estate A young adult (18-30) looking for mentorship and fast-track financial results
You know podcast guesting is great for visibility, but what if it could also be a serious revenue driver?In this 6-Figure Secrets Podcast episode, Beth Nydick breaks down how to transform podcast appearances into $10K+ paydays using her signature Mic to Millions™ method. She shares why most entrepreneurs are completely underutilizing the interviews they've already landed—and what to do instead to turn listeners into clients.If you're tired of landing that sweet podcast interview and then hearing crickets, Beth's system will flip the way you look at podcast PR forever.TAKEAWAYS:Your podcast interview isn't the win, it's just the beginning. Beth shares how to turn that one appearance into a strategic asset that keeps working for your business.Stop treating visibility like an afterthought. You need a separate visibility strategy with intentional follow-up, content rotation, and data-driven decisions.A single podcast episode can spark high-ticket leads, if you're leveraging DMs, segmenting lead magnets, and following up (yes, with an actual spreadsheet).Promotion doesn't stop after launch week. Beth outlines a rinse-and-repeat system for sharing, evaluating, and reintegrating podcast appearances based on results.Don't wait to be “discovered.” Beth gives tough-love advice on pitching with persistence, being strategic about where you show up, and following up until you hear a no.RESOURCES:Check out the blog post that accompanies this episode for additional resourcesDM Beth on Instagram with the word ALLISONWant to see the email that made me $80K? Grab The $80,000 Email Template—Allison's most profitable email ever, broken down with real talk and strategy you can swipe for your own list. No fluff. Just what works.CONNECT WITH ALLISON: Follow Allison on Instagram DID YOU HAVE AN 'AH-HA MOMENT' WHILE LISTENING TO THIS EPISODE?If you found value and are ready to take action from listening to this episode, head to Apple Podcasts and help us reach new audiences by giving the podcast a rating and a review. This helps us to reach more online coaches who are creating a thriving 6-figure business. Music courtesy of www.bensound.com
Around The NFL: Big-time contracts are flying and camp buzz is heating up across the league. ITL reacts to the latest deals and headlines. Plus, some surprising nuggets from the MLB trade deadline — what stood out the most? And in What's Popping, the biggest stories in sports, entertainment, and beyond.
The Dirt Reporters Episode 221: Prairie Dirt Classic and large paydays by DirtonDirt.com
LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featuredWhat if you could invest in tariffs? Cantor Fitzgerald—now helmed by the twentysomething sons of Commerce Secretary Howard Lutnick—is offering investors a chance to cash in if Trump-era tariffs are struck down in court. It's called litigation finance, and it lets clients wager on future refund payouts from duties already paid. Is this savvy financial innovation or insider-powered opportunism? Meanwhile, global companies scramble to sidestep tariff impacts—from American automakers taking billion-dollar hits to Italian cheesemakers facing mass layoffs. The trade war is big business—for some. www.watchdogonwallstreet.com
Most investors walk away from messy title deals. Ryan McCreay runs toward them—and cashes in. In this episode, Ryan breaks down how he uses DealMachine to uncover vacant, tax-delinquent properties, then leverages his skills as a licensed private investigator to track down long-lost heirs, resolve ownership issues, and claim six-figure equity. You'll hear how he navigates intestate succession laws, handles negotiations with fractional owners, and even builds family trees to make the deal work. If you've ever skipped a property because it looked “too complicated,” this one's for you. KEY TALKING POINTS:0:00 - Intro0:45 - Ryan McCreay's Real Estate Businesses4:01 - Texas Real Estate Laws For Deceased Property Owners5:16 - Working With Wholesalers To Find Next Of Kin8:17 - What If There's No Family?10:56 - Running Numbers Early In The Process14:47 - What If There's An Illegitimate Child?15:57 - Why He Doesn't Do Construction On Properties17:55 - How The Conversations With Heirs Go20:31 - Tracking Down Family Members & The Conversations22:17 - Calculating Offers & Using Creative Finance25:16 - What If A Family Member Just Pays Their Portion Of The Taxes?26:50 - Trying This Approach For The First Time29:20 - Being A Private Investigator32:53 - Sellers That File Bankruptcy35:19 - Why Does He Use DealMachine?40:27 - How To Get In Touch With Ryan41:27 - Closing Thoughts43:26 - Outro LINKS:Ryan McCreay's Phone Number: 512-599-7576 Instagram: Ryan McCreayhttps://www.instagram.com/ryanmccreay/ Website: Solid Offer Nowhttps://solidoffernow.com/ Instagram: David Leckohttps://www.instagram.com/dlecko Website: DealMachinehttps://www.dealmachine.com/pod Instagram: Ryan Haywoodhttps://www.instagram.com/heritage_home_investments Website: Heritage Home Investmentshttps://www.heritagehomeinvestments.com/
Looking to earn $200-$500 per affiliate sale in 2025? These top course-selling programs offer massive commissions - from Trendflow Formula's 100-200% payouts to recurring revenue streams from Teachable and ClickFunnels. Extended cookie durations mean more conversions for savvy affiliates. Learn more at https://muncheye.com/sean-donahoe-trend-flow-formula-live-3-day-masterclass MunchEye City: London Address: London Office 15 Harwood Road, , London, England United Kingdom Website: https://muncheye.com/
Genius doesn't come with a price tag until someone tries to take it from you. When brilliant minds create groundbreaking innovations during employment, who truly owns these inventions? This fascinating legal arena pits creators against corporations in battles that can span decades and result in multi-million-dollar verdicts.Meet John Peterson, the engineer who refused to surrender his weekend projects to a convenience store chain that claimed everything he created, even off the clock. His story of fighting Bukies' overreaching employment contract offers a masterclass in standing up for your intellectual property rights. Then there's Professor Shanks, whose glucose biosensor technology earned his employer £24 million. In comparison, he received nothing until a twenty-year legal battle culminated in a £2 million award and a landmark UK Supreme Court decision on "outstanding benefit."From patent grammar wars where a single verb tense determined ownership of HIV diagnostic technology to post-employment clauses that tried to claim an inventor's future ideas, we explore the fine print that can make or break inventor fortunes. We'll take you around the globe from Germany's sophisticated formulas for inventor compensation to China's statutory minimum payouts, revealing how different legal systems value creative minds. Whether you're sketching brilliance on napkins or developing prototypes in corporate labs, understanding your rights as an inventor has never been more crucial. As workplace innovation drives the modern economy, the law is finally catching up to ensure the minds behind the magic receive their fair share.Send us a text
Episode 226 of Simply The Best Sports Take with Sean Bingham:In this powerhouse episode of STB Sports Take, host Sean Bingham is joined by college football aficionados Dave Glauser (an attorney) and Aleni Afuvai to unpack the seismic NCAA settlement that now allows direct payment to college athletes. The crew breaks down how schools will handle the new revenue-sharing cap, the impact on non-revenue sports, Title IX concerns, and how NIL regulation is about to change with Deloitte stepping in. They also dive deep into the future of college football—debating whether the SEC and Big Ten will break off, if promotion/relegation could work in the U.S., and what this all means for parity, TV ratings, and the fan experience. A can't-miss episode for anyone who cares about the future of college sports.View & Subscribe on YouTube: @stbsportstake https://www.youtube.com/@stbsportstakeTikTok: https://www.tiktok.com/@stb.sports.takeInstagram: https://www.instagram.com/stbsportstake/ Spotify, Apple Podcasts, and more: https://linktr.ee/stbsportstake Facebook: https://www.facebook.com/STBSportsTake/ X (Twitter) https://twitter.com/stbsportstake Why STB Sports Take?Simply The BestbySean Thomas BinghamCopyright © STB Inc.
David joins the guys with a list of the top 25 NIL paydays in college sports history.
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this conversation, John Harcar interviews Chris Prefontaine, a seasoned real estate investor and coach, discussing his journey in real estate, the importance of mentorship, and the innovative concept of 'three paydays' in real estate transactions. Chris shares insights on market trends, building a family business, and the structure of his coaching program, emphasizing the significance of creative finance in today's market. 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 —--------------------
Send us a textEver wondered how top real estate investors acquire valuable properties without emptying their bank accounts or battling for traditional financing? Chris Prefontaine, founder and chairman of Smart Real Estate Coach, pulls back the curtain on Subject-To investing - a powerful strategy that's transforming how savvy investors build wealth across North America.Subject-To investing allows you to purchase properties "subject to" the existing mortgage, taking title while the original loan stays in the seller's name. This approach creates three distinct profit centers what Prefontaine has trademarked as the "Three Paydays" system: upfront deposits from tenant-buyers, monthly cash flow from the spread between what you pay and what you collect, and substantial profits at sale combining property markup with principal pay-down. The numbers are compelling - Prefontaine reveals that properly structured deals on properties worth $200,000+ can consistently generate six-figure profits.Despite its power, many newcomers hesitate due to concerns about due-on-sale clauses. Prefontaine dismantles this fear with both extensive experience (neither he nor his students have encountered this issue in thousands of transactions) and legal precedent, sharing how specialized attorneys have successfully defended these deals even in rare challenges. The key lies in proper documentation and working with legal professionals who understand the intricacies of these transactions.Beyond the mechanics, Prefontaine shares how his coaching organization has achieved remarkable success, increasing their community's deal-making metrics from 0.25 deals per student to 1.1 deals per student in 2024 - an accomplishment considered "unheard of" in the industry. His approach combines technical expertise with unwavering confidence, his personal "word of wisdom" that he believes drives success in every area of business and life.Ready to explore how Subject-To investing might transform your real estate portfolio? Visit WickedSmartBooks.com/DwanBent to receive Chris's bestselling books and additional resources completely free - his gift to podcast listeners. Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.Head to Dwanderful right now to claim your free real estate investing kit. And follow:http://www.Dwanderful.comhttp://www.facebook.com/Dwanderfulhttp://www.Instagram.com/Dwanderful http://www.youtube.com/DwanderfulRealEstateInvestingChannelMake it a Dwanderful Day!
Tony Hawk didn't just change skateboarding—he built the industry around it. In this episode, Tony sits down with Brad Lea for a raw, honest look at what it really took to go from broke skater sleeping in a van to launching a billion-dollar video game franchise and funding over 900 skate parks for underserved communities. From landing the first-ever 900 at the X Games to controlling his brand, navigating fame, and building a legacy through the Skatepark Project, Tony shares the untold lessons behind his resilience, discipline, and quiet success. You'll hear his mindset around fame vs. wealth, how he dealt with setbacks and injuries, and what he's most passionate about today. Whether you're an entrepreneur, creator, or someone chasing purpose—this is a masterclass in turning passion into purpose and staying true to your values the entire ride. Connect with Tony Donate to build skate parks: https://skatepark.org Follow Tony on all platforms: @TonyHawk New Game Drops July – Stay tuned!
In this episode of the AZREIA Show, hosts Marcus Maloney and Mike Del Prete dive deep into the world of creative financing with serial entrepreneur and real estate expert, Zach Beach from Wicked Smart Real Estate. Zach shares his inspiring journey from a bartender to a successful real estate investor, emphasizing the importance of creative financing in today's market. The discussion covers various strategies like seller financing, subject to deals, and lease options, highlighting the significance of solving people problems in the real estate business. Zach also explains his three payday system and how these creative approaches can generate substantial profits. The episode wraps up with details about upcoming workshops where Zach will provide in-depth training on these strategies, helping both new and seasoned investors succeed in a challenging real estate market. Key Takeaways: 01:43 Meet Zach: A Journey from Bartender to Real Estate Investor 04:05 Understanding Creative Financing 07:02 Key Strategies in Creative Financing 10:05 The Rent-to-Own Model Explained 32:02 Upcoming Events and Workshops ------ The Arizona Real Estate Investors Association provides its members the education, market information, support, and networking opportunities that will further the member's ability to successfully invest in #realestate Join AZREIA here: https://azreia.org/join Is a Career in Real Estate Right For You? Take AZREIA's Real Estate Investing Entrepreneurial Self-Assessment at
PennLive's Eric Epler and Dan Sostek discuss former Pa. high school players making big moves and paydays in the NFL during free agency. They also discuss the breakout players for the 2025 football season.
Are your podcast interviews producing profit for your business? You may be missing a major revenue opportunity every time you guest on someone else's podcast. In today's conversation, Beth Nydick will point out the common pitfalls preventing you from maximizing each media opportunity, as well as how you can use her “Profitable Podcast Guest System” to turn each podcast feature into $10K+ paydays. Go beyond the conversation and approach future interviews with a conversion mindset! Connect with Beth: IG: @bethnydick Iconic business leaders all have their own unique genius. Take this quick 10 question quiz to uncover your specific CEO style advantage: https://cubicletoceo.co/quiz If you enjoyed today's episode, please: Post a screenshot & key takeaway on your IG story and tag me @missellenyin & @cubicletoceo so we can repost you. Leave a positive review or rating at www.ratethispodcast.com/cubicletoceo Subscribe for new episodes every Monday. Learn more about your ad choices. Visit megaphone.fm/adchoices
From Travis Kelce's perspective, this article explores his deeply personal decision to return for a 13th NFL season with the Kansas City Chiefs despite potentially earning more money through his expanding entertainment ventures. Kelce candidly addresses his "juggle" between financial considerations and his passion, stating he "loves playing the game of football" and believes he can perform at "a higher level" than last season. The piece reveals his disappointment with Super Bowl LIX, his feeling of responsibility to fulfill his contract with Kansas City, and his evolving off-field career including his $100 million podcast deal, acting roles in "Grotesquerie" and "Happy Gilmore 2," and his Amazon hosting gig. Throughout, Kelce maintains his commitment to football while balancing his relationship with Taylor Swift, his growing fashion influence, and his characteristic playful dynamic with brother Jason.
Are you a stay-at-home mum thinking about starting a wee VA side hustle to bring in some extra income? Then this episode is for YOU! Grab a pen and paper, and get ready to learn the exact steps you need to take to create a profitable side hustle while remaining present for your kids. In this episode you'll learn: How to remain present for your kids while supporting your clients.Our very different SAHM/VA journeys.Why there's no such thing as a side hustle hourly rate!The best way to figure out your services and hourly rate as a SAHM VA.Why you may only need to find 1 client. Wanna tip your toes in? Check out the 7 Step Formula and Pricing Calculator. Ready to go all in? Launch in 30 Days is exactly what you need. Sub-Contractor, Freelancer or Agency Owner? Your perfect virtual assistant pathway is just minutes away! Take the quiz here. Sam + Jo xo
Hour 1: The Tara Show - “Democrats Down with Fraud” “Illegal Paydays for Migrants” “The Major ‘Big Balls' Political Crisis” “What Should be Done About Fauci” full 1988 Tue, 11 Feb 2025 15:13:53 +0000 JigoFj5uvbc8AP5rxBIMLhLPUAUtVkre news The Tara Show news Hour 1: The Tara Show - “Democrats Down with Fraud” “Illegal Paydays for Migrants” “The Major ‘Big Balls' Political Crisis” “What Should be Done About Fauci” Tara presides over the Upstate's #1 all news/talk morning show every weekday on News/Talk 989 WORD.Tara's faithful listeners are affectionately known as "Tara-ists" because of their passion and participation in the show. Tara was named 2021 Best News Talk Show and Best overall Personality, AGAIN, by the South Carolina Broadcasters Association! Tara took home the same honors in 2018 and was also named 2016 "Personality of the Year!" In addition, Tara has also won over two dozen state and national journalism awards for column writing, news reporting and investigative reporting while working for three newspapers and writing for a variety of national publications. She won a first place reporting award from the North Carolina Press Association for an investigative series about the weaknesses in Charlotte's overburdened court system, which regularly let murderers off the hook with less than 15 years in prison. Due to her work, that system has been reformed. Tara is also a winner of the prestigious first place Green Eyeshade Award, a national award for column writing from The Society of Professional Journalists. Tara took to the airwaves about 15 years ago to do a radio show heard up and down the coast and fell in love with bypassing her editors to talk straight to the people. Tara hasn't stopped reporting, and still brings her investigative journalism to the show. Tara is a mom, wife and talk radio convert-- and weekday mornings she's live and local on News/Talk 989 WORD. Are you a "Tara-ist"? It's time to get captured! 2024 © 2021 Audacy, Inc. News False https://player.amperwavepodcasting.com?feed-link=https%
Episode 4253: Persecution Of Christians; Oligarchs Paydays Are Over
Want to buy real estate WITHOUT banks or using your credit? Go Here: https://creativefinanceplaybook.com/?utm_source=podcast&utm_medium=cfp&utm_campaign=v1 Want to JOIN our amazing CFP community? Go here: https://www.facebook.com/groups/creativefinanceplaybook In this episode, we break down how rent-to-own properties can transform your real estate business: ○ Big upfront payments ○ True cash flow without maintenance headaches ○ A massive payday when tenants buy the home If you're tired of tight margins or the stress of being a landlord, this strategy could be the solution you've been looking for. Learn how to create more income, help families achieve homeownership, and build long-term wealth with rent-to-own. ► Join The Creative Finance Playbook Community & Learn Creative Finance Directly from Jenn & Joe
In this special year-end episode of the Smart Real Estate Coach Podcast, hosts Chris Prefontaine and Zach Beach take a reflective, unscripted look back at 2024, exploring the key trends and shifts in the real estate market. They discuss how high interest rates have shaped the industry, the surge in creative financing, and the importance of adaptability in an ever-changing economic landscape. Chris and Zach also introduce innovative programs like the Apprentice Program and In the Trenches Bootcamp, designed to help real estate investors navigate uncertainty and accelerate their success in 2025. Packed with actionable insights, inspiring community stories, and practical strategies, this episode is a must-listen for anyone looking to make the most of creative financing opportunities. Key Talking Points of the Episode 00:00 Introduction 01:03 How rising interest rates have fueled the growth of creative financing 04:09 Why creative financing is key in today's housing market 07:08 How uncertainty has caused a surge in creative financing deals 09:15 Launching the Apprentice Program for new real estate investors 12:47 Getting involved through The In the Trenches Bootcamp 20:30 In the Trenches Bootcamp dates for 2025 22:12 Key wins from 2024: Over 50 deals closed and $2 million generated in three-payday profits 30:41 Important metrics of 2024: How the 3-Paydays work 35:10 How you can get involved in the Wicked Smart Community in 2025 Quotables “Creative financing isn't just a strategy; it's a lifeline for people navigating today's high-interest-rate market.” “This business isn't about complicated strategies; it's about dedication, people, and solving problems consistently.” “Every decision you make today is a building block for where you'll be in 2025—start now and set the stage for success.” Links Real Estate On Your Terms and Deal Structure Overtime https://wickedsmartbooks.com/podcast FREE Master's Class https://wickedsmartacademy.com/mastersclass FREE Strategy Session with Chris Pre https://smartrealestatecoach.com/chrisprecall FREE Workshop https://smartrealestatecoach.com/pcws QLS Homestudy Course https://wickedsmartacademy.com/course/qls-homestudy-4 Investor Resources https://smartrealestatecoach.com/resources 3 Paydays Apprentice https://smartrealestatecoach.com/apprentice-pod In the Trenches Bootcamp https://smartrealestatecoach.com/ittb-pod REI Blackbook https://smartrealestatecoach.com/REIBB-DD
From Emmys, ads, theme songs, tens of thousands of placements- you name it and these guys have done it. Eddie Wohl, Tim Edwards and Tim Mosher have decades in the sync world and they don't hold any information back in this jam packed episode. We talk about what it really takes to have placeable music and to make an actual living from sync, and there are some hard truths there. We also talk about market research, the importance of realizing what you are doing right and the ability to see the bigger picture in order to avoid the mistakes the ego has us make. This episode is an absolute amazing one Evil Genius FB group: https://www.facebook.com/groups/877961207308818 Want my “11 gems for a successful sync career” free PDF? https://www.roymatz.com/gemspd
In this episode, we're breaking down how real estate investors and realtors can take their businesses to the next level by mastering creative real estate strategies. Whether it's structuring win-win deals, solving tough seller situations, or expanding your toolbox, learning creative real estate opens up endless opportunities. Tune in to discover how these strategies can help you close more deals, serve more clients, and grow your real estate business faster! Key Talking Points of the Episode 00:00 Introduction 01:02 How creative real estate is changing the industry 02:33 What are you missing if you're not doing creative real estate yet? 05:10 Why you should learn creative real estate today 08:07 The 3 Paydays System 09:21 Action items to help you learn creative real estate 11:59 The formula for creative real estate 14:28 How you can get involved in the Wicked Smart Community Quotables “There's a wave right now – a wave that historically creates millionaires, if you look back historically, and it's the best in my 33 years, so I wanna make sure that you're part of the revolution and that you catch the wave.” “All deals that you can't convert lead-wise, learn how to convert them or a subset of them, learn how to convert them to creative deals.” “As soon as you learn the skillset, nobody can take it from you. You own it for life.” Links Real Estate On Your Terms and Deal Structure Overtime https://wickedsmartbooks.com/podcast FREE Master's Class https://wickedsmartacademy.com/mastersclass FREE Strategy Session with Chris Pre https://smartrealestatecoach.com/chrisprecall FREE Workshop https://smartrealestatecoach.com/pcws QLS Homestudy Course https://wickedsmartacademy.com/course/qls-homestudy-4 Investor Resources https://smartrealestatecoach.com/resources 3 Paydays Apprentice https://smartrealestatecoach.com/apprentice-pod In the Trenches Bootcamp https://smartrealestatecoach.com/ittb-pod REI Blackbook https://smartrealestatecoach.com/REIBB-DD
PHT Holiday Party and Trivia at Stone Brewing in Little Italy on 12/15 at 5pm!Blake Snell and Kyle Higashioka are getting paid elsewhere. Bad starting pitching is mighty expensive around the league. Where does that leave the Padres?Want to get the shows 12 hours earlier, ad-free, and get access to all our bonus content like more podcasts? Plus access to a thriving patron community? Become a patron! patreon.com/padreshottub
Joining you on this episode of Willow Talk is Adam Peacock, Brad Haddin and Alyssa Healy to discuss Australia's slender 295-run loss in Perth against India, the intent of the Aussie batters, the use of a nightwatchman, just how good is Jasprit Bumrah, if Virat Kohli is out of his form slump and what changes could be made to both sides for the Adelaide Test. Then you'll hear from former Australia fast bowler and Pakistan Test coach Jason Gillespie talk about what's actually happening with his coaching role, thoughts on the first Test in Perth, how to beat England/Bazball, and his batting exploits with Glenn McGrath. Finally, Ads, Hadds and Heals go over a list of sundries featuring WBBL finals, IPL auction results, England v New Zealand and Warney Monopoly. Oh, and our trucker hats have arrived from the good folk at Swivs Locker! Check out Swivs Locker here for customised uniforms, headwear and merchandise. Send your cricket club cap to Producer Sam at the following address: Sam Ferris50 Goulburn St, Sydney, NSW, 2000 Follow on Apple, Spotify and the LiSTNR app Watch on YouTube Drop us a message on Instagram and TikTok! See omnystudio.com/listener for privacy information.
In this episode of the show, Baldy and Stu react to both days of the IPL mega auction, which saw Rishabh Pant and Shreyas Iyer attract record bids, 13-year-old Vaibhav Suryavanshi picked up by Rajasthan Royals & the Mumbai Indians add a few Kiwis to their squad. We discuss the big winners (local players), Bevan-John Jacobs' surprise selection, powerful top orders, the Right to Match cards, where the New Zealanders and Australians landed (or didn't land), and how the huge player movement impacts the fan experience for overseas viewers. We'll be back in your feed again at the conclusion of the first Test in the Black Caps v England series with more news and views from the cricketing week that was. Until then please take the time to give us a like, follow, share or subscribe on all our channels (@toporderpod on Twitter & Facebook, and @thetoporderpodcast on Instagram & YouTube) and a (5-Star!) review at your favourite podcast provider, or tell a friend to download. It really helps others find the show and is the best thing you can do to support us. You can also find all our written content, including our Hall of Fame series, at our website. You can also dip back into our guest episodes - including conversations Mike Hesson, Shane Bond and Mike Hussey, current players such as Matt Henry, Sophie Devine and Ish Sodhi, coaches Gary Stead, Jeetan Patel and Luke Wright, as well as Barry Richards, Frankie Mackay, Bharat Sundaresan and many more fascinating people from all across the cricketing world. And if you'd like to reach out to us with feedback, questions or guest suggestions, get in touch at thetoporderpodcast@gmail.com. Thanks for listening. 0:00 Intro 1:15 Local players on the move at high prices 9:30 Where did the Black Caps end up? 12:15 Bevan-John Jacobs selected by Mumbai Indians 14:45 Australians everywhere 16:45 David Warner among the snubs, but 13-year-old Vaibhav Suryavanshi goes to RR 22:10 Daryl Mitchell goes unsold, along with Shardul Thakur and other notable names 26:20 How does the player movement impact the fan experience? 35:05 Final thoughts Learn more about your ad choices. Visit podcastchoices.com/adchoices
We discuss Senator Ted Cruz's vow to prioritize NIL, Senator John Thune's persummed allegiance to the NCAA, the scramble to raise funds to pay athletes, and an update on the Penn State vs. Vintage Brand trial. We talk about our favorite NIL deals including Cam Ward's gift and the World of Warcraft collab. To learn more about our financial literacy platform for athletes, visit frameworknil.com. To follow all of our ventures, visit victreefi.com- - - - - - - - - -Name Image Likeness is produced and edited by Palm Tree Pod Co.
Real Estate Investing With Jay Conner, The Private Money Authority
In the latest episode of the Raising Private Money podcast, Jay Conner interviews real estate veteran Chris Prefontaine. With over 30 years of experience and having raised over $5 million in private money, Chris shares invaluable insights into successfully navigating the challenging landscape of real estate. The conversation revolves around creative financing techniques, the 3 payday system, and the intricacies of structuring and selling properties. This blog post delves deeper into these topics to provide actionable tips for both novice and seasoned investors.The Birth of Creative Financing After 2008Chris Prefontaine initially started his career in single-family real estate. However, the 2008 financial crash prompted a shift in his approach. Moving away from traditional financing involving banks and heavy cash investments, Chris adopted a strategy that combined private money with creative financing techniques. These include owner financing, lease purchase, and "subject to" deals. This pivot allowed him to maximize his real estate deals while minimizing personal financial risk.Attracting Private MoneyChris first tapped into the private money market by approaching professionals he trusted—his attorney and accountant. By demonstrating the advantages of earning a 7 to 8% return on investment through his 3 payday model, he gained their confidence and subsequent referrals. Trust plays a crucial role in this process; as Jay Conner points out, investors are ultimately investing in the individual, not just the opportunity.Understanding the 3 Payday SystemOne of Chris's hallmark strategies is the 3 payday system, designed to create continuous income streams. This method ensures profits at different stages of the deal: principal payments, cash flow, and markup when selling on terms.Breakdown of the 3 PaydaysDay 1: Upfront Payment- Earned at the outset of the deal, often during acquisition.Continuing Cash Flow- Monthly income generated from lease payments or seller financing arrangements.Final Lump Sum- Realized at the end of the term, either through selling the property or final payment from the buyer.This approach contrasts sharply with traditional real estate models such as wholesaling and flipping, which are mostly transactional and offer income only upon the sale of each property.Buying Real Estate on TermsChris emphasizes three primary rules when buying and selling real estate on terms: avoiding banks, requiring little to no money down, and creating 3 paydays.Types of Creative FinancingOwner Financing- The seller acts as the bank, accepting monthly payments directly toward the principal.Subject To Existing Loan- Acquiring a property subject to its existing mortgage while maintaining the original loan terms.Lease Purchase- Lease agreements that provide the option to purchase at a future date, are often facilitated with little initial investment.Benefits for SellersSellers may agree to these creative terms for various reasons. Some are looking to solve financial problems or achieve goals that the conventional market cannot fulfill. For example, sellers with free and clear properties may be willing to accept monthly payments in return for a higher total payout over time.Marketing and Selling PropertiesRather than relying on traditional multiple listing services (MLS), Chris uses a specialized company called Prosperity for marketing real estate deals. By focusing on direct referrals and automated processes, he can negotiate favorable terms with sellers and ensure a higher rate of return.Identifying Ideal ProspectsOne effective strategy for finding properties ideal for terms is targeting expired MLS listings. Approximately one-third of these listings are
On this episode of Talking Buffalo, Patrick Moran is joined by frenemy and recurring guest Joe From Queens to discuss several Buffalo Bills topics, including what players could be in line to potentially receive big paydays. Training camp and the preseason are over for the Bills and we'll be getting a good idea of what their final roster looks like over the next 24 hours. There's also a chance that a player or two may end getting an extension before the regular season starts. The guys discuss a few of those candidates as well as a few others who haven't shown enough to warrant a huge pay day quite yet but could quickly find themselves near the front of the line if they play well this year. They also debut a couple of new segments for when Joe is on, including the "Mt. Flushmore" where Joe lists the four worst or something---this time Buffalo Bills head coaches in addition to a "start, sit and cut" exercise, this week featuring supporting characters from The Sopranos. Patrick also has a few stories from his family reunion in New Jersey last weekend that was long overdue plus a little Yankees talk, traffic is insane in NYC/NJ and more. ♦♦♦♦♦ Follow Patrick Moran/Talking Buffalo Podcast Substack: Patrick Moran's Substack Twitter: @PatrickMoranTB Facebook: Talking Buffalo Podcast YouTube: Talking Buffalo Podcast YouTube Channel Learn more about your ad choices. Visit podcastchoices.com/adchoices
House of the Dragon Season 2 review! Plus, Russo Bros. and Robert Downey Jr. getting big paydays for the next two Avengers movies, Wesley Snipes breaks multiple Guinness World Records, new trailers for the Joker sequel, The Penguin and Creature Commandos and more! TIME STAMPS This week on the show! (0:00) Welcome to the Jock... The post JAN 548: House of the Dragon Season 2 Review – RDJ and Russo Bros. Avengers Paydays (08/07/24) appeared first on The Jock and Nerd Podcast.
LIVE SHOW in Los Angeles on July 30: Click below for tickets! The guys are back to discuss the most significant developments from training camp so far and catch up on the most recent offseason news around the league, including Tua Tagovailoa's and Jordan Love's historic contracts, a Dallas disaster class, Russell Wilson's calf injury, and much more (2:05). “You guys want to do some emails?” (45:35). Tickets: https://www.theelrey.com/events/detail/564772 Check out our 2024 Ringer Fantasy Football Rankings here! Email us! ringerfantasyfootball@gmail.com The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Hosts: Danny Heifetz, Danny Kelly, and Craig Horlbeck Social: Kiera Givens and Jack Sanders Producer: Kai Grady Learn more about your ad choices. Visit podcastchoices.com/adchoices
Jordan Love is now the highest paid player in the NFL. Does that make sense? No. So why do teams continually give big contracts to unproven commodities?
Welcome back to the podcast series about paychecks. Today, I'm diving into the intricacies of managing household finances when you and your partner have different pay schedules. Regardless of when you and your partner get paid, having a solid budget is vital to alleviating financial anxiety. It provides a clear roadmap for managing expenses and savings goals. Learn how I recommend finding consistency in multiple pay cycles and leveraging routine to make smart money decisions. The key to financial harmony is communication and collaboration. So, tune in and take the first step towards aligning your finances with your partner. Stay tuned for insights on these topics: [01:54] Importance of a budget/spending plan [04:04] Find similarities in your pay days [08:55] Money management goal Tune into this episode of Money Files to learn how to manage joint finances when you and your partner on different pay cycles. Get full show notes and the episode transcript: https://wealthovernow.com/aligning-finances-how-to-budget-as-a-couple-with-different-paydays/ Links mentioned in this episode… Set up a call | Financial Coach Washington, DC | Wealth Over Now Download my FREE spending plan
https://skiphouses.com | Shadow Me Wholesaling Commercial Real Estate | https://cashbuyers.ai | Tap this to build cash buyers list anywhere in 60 seconds Unlock the secrets to earning $20K paydays with Zillow and Zompz! In Flippinar #311, we'll show you how to find amazing real estate deals. Perfect for beginners and pros alike, this livestream will teach you the tips and tricks to boost your income. Don't miss out on this chance to transform your real estate game. Watch now and start your journey to big profits! --- Tap this link https://dealulator.com/tools/ to access the these tools I used in this video. Use the Promo Code: FLIP MAN to get this tool at a 33% discount Tap the link below: https://parcelfair.com/Account/Register Watch the full training on how to use this tool at the link below: https://intel.getprivynow.com/2022-webinar-replay?utm_source=community.com&utm_medium=sms Tap the link below to sign up for this tool now: http://www.getprivynow.com/#62a8da5ceddd6 Setup your LLC and get access to 250+ Tax Deductions at the link below https://primepartner.info/dealulator Need to Find Owners: https://Skip2Flip.com Text2Flip.com - https://text2flip.com Tap this link https://Dealulator.com to download a free copy of my 1 page contract I've used since to 2003. Follow me on Instagram https://instagram.com/askflipman Twitter: https://twitter.com/AskFlipMan TicTok: https://www.tiktok.com/@askflipman LinkedIn: https://linkedin.com/in/theflipman/ Facebook Page: https://www.facebook.com/flipman.net Join private Facebook Group: https://www.facebook.com/groups/wholesalingrealestate/ #arv #wholesalingrealestate #flipman
https://skiphouses.com | Shadow Me Wholesaling Commercial Real Estate | https://cashbuyers.ai | Tap this to build cash buyers list anywhere in 60 seconds Learn how to spot great real estate deals in minutes with our expert-led livestream! We'll show you tips and tricks to find the best properties and make money fast. This livestream is perfect for anyone interested in real estate, whether you're just starting out or have some experience. Stop losing out on big paydays and start making smart investments today. Tune in for easy-to-follow advice that can change your real estate game! --- Tap this link https://dealulator.com/tools/ to access the these tools I used in this video. Use the Promo Code: FLIP MAN to get this tool at a 33% discount Tap the link below: https://parcelfair.com/Account/Register Watch the full training on how to use this tool at the link below: https://intel.getprivynow.com/2022-webinar-replay?utm_source=community.com&utm_medium=sms Tap the link below to sign up for this tool now: http://www.getprivynow.com/#62a8da5ceddd6 Setup your LLC and get access to 250+ Tax Deductions at the link below https://primepartner.info/dealulator Need to Find Owners: https://Skip2Flip.com Text2Flip.com - https://text2flip.com Tap this link https://Dealulator.com to download a free copy of my 1 page contract I've used since to 2003. Follow me on Instagram https://instagram.com/askflipman Twitter: https://twitter.com/AskFlipMan TicTok: https://www.tiktok.com/@askflipman LinkedIn: https://linkedin.com/in/theflipman/ Facebook Page: https://www.facebook.com/flipman.net Join private Facebook Group: https://www.facebook.com/groups/wholesalingrealestate/ #arv #wholesalingrealestate #flipman
Tune in Today's SHOW as our well known successful guest speaker shares amazing insight around this very important topic. You will find ways to connect with our GUEST today on the website mentioned in the video and further continue the conversation. SUBSCRIBE, REVIEW & SHARE the SHOW! Elona at the Life School helps Entrepreneurs and Organizations grow legacy purpose driven life and businesses for major Impact & Income. Website: www.elonaloparicoaching.com Follow our Page on Facebook: https://www.facebook.com/profile.php?id=100063162853244&mibextid=LQQJ4d Join our Facebook Group Community here: https://www.facebook.com/groups/entrepreneursofthelifeschool Connect with us on Linkedin: https://www.linkedin.com/in/elona-lopari/ Follow us on Instagram: https://www.instagram.com/elona_lopari/
In this episode, Ann Carden discusses the concept of 40k-100k paydays, the importance of premium offers, and how to run a virtual workshop. She sheds light on effective marketing strategies, the art of repurposing, and rethinking the sales process. The episode wraps up with tips on achieving high-income months and strategies for business growth.
I met today's guest about two years ago when I was speaking at a local women's entrepreneurship event. She was on a panel discussion at the event and I immediately knew that we had so much in common when it came to how we think about business, strategy, systems, and more! I'm so excited to finally bring her to the podcast today to talk about the profit-first system.Val Duvick is a wedding photographer-turned business coach and certified Profit First Professional for female creatives with some hot takes and unconventional, but life-centered and life-giving business strategies. She speaks the creative language and is passionate about proving that even creative brains are capable of taking back control of their money and time! If you've heard of profit first but think "it's too complicated" or if numbers in general seem overwhelming to you, this episode will be a breath of fresh air. Val shares how the profit-first system simplifies her monthly financial decisions and has even allowed her to take two paid maternity leaves in two years. Tune into this episode to start paying yourself a regular paycheck this month (yes, it's possible)!SHOW NOTES: jadeboyd.co/simplifying-profit-first-and-predictable-paydays-with-val-duvickCONNECT WITH GUEST:Salary Made Simple Free GuideInstagram: @val_marlene_creativeWebsite: valmarlene.comLINKS MENTIONED IN THIS EPISODE:Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine, by Mike MichalowiczClickUp CONNECT WITH JADEWebsiteInstagramJoin My Email List LEVEL UP YOUR BUSINESS + PRODUCTIVITYOrganize your Business Digital CourseThe Business Edit™ Coaching ProgramFREE RESOURCESFREE Double your Profit While Working Less MasterclassFREE Task Batching WorkbookFREE Weekly Review ChecklistThe Business Minimalist Blueprint WorkbookThe Business Minimalist Podcast ArchiveMentioned in this episode:Download my FREE Double your Profit While Working Less Masterclass!In...
Dan Bernstein and Leila Rahimi were joined by Russell Dorsey of Yahoo Sports to discuss left-handers Blake Snell and Jordan Montgomery — who are both clients of agent Scott Boras — remaining unsigned in free agency this offseason. Dorsey also discussed the Angels' Ron Washington preparing for his first managerial job since 2014 and more.
In the final hour, Dan Bernstein and Leila Rahimi were joined by Russell Dorsey of Yahoo Sports to discuss left-handers Blake Snell and Jordan Montgomery — who are both clients of agent Scott Boras — remaining unsigned in free agency this offseason. Dorsey also discussed the Angels' Ron Washington preparing for his first managerial job since 2014 and more. Later, Bernstein sounded off on how developer Related Midwest is framing the conversation about the White Sox's pursuit of public funding for a new stadium.
Chris Prefontain is a 3-time bestselling author who has been through several real estate cycles. He understands the challenges of real estate investing and is ready to give us clarity on how we can successfully navigate the constantly changing real estate investment environment.Main point:What does it mean to buy and sell real estate on terms?With subject to how do you handle the due on sale clauseDoes someone have to be full-time to do this businessHow can someone transition to full-time if they want toHow would you compare this type of real estate investing to flipping, rehabbing, wholesaling, or even renting apartments?Is now a good time to invest in real estate and what are your predictions on the market?You trademarked 3 Paydays. Can you explain?How do you control 60-80 million of real estat4e with your Wicked Smart Community with little to no money down and not signing on loans?Connect with Chris Prefontaine:www.wickedsmartbooks.com/abundance1chris@smartrealestatecoach.com
Gleeman and The Geek - An Unauthorized Minnesota Twins Podcast
Aaron and John talk about Cory Provus replacing Dick Bremer as the Twins' television voice, the free-agent departures of Sonny Gray, Kenta Maeda, and Emilio Pagán, how the Twins will look to fill the sizable holes in the pitching staff, and what exactly goes on at the Winter Meetings.
In this episode of Over Under Achievers... Knox and Jason have: Hot takes! King's Hawaiian Pretzel Bread! Paydays! Andre 3 $tacks' 3 Pack of Picks! And then of course... Cameo Closest to the Pin: Bradley Leland! Thank you for listening and please leave us a 5 star rating and let us know your takes on X and Instagram! https://twitter.com/OUAchievers https://www.instagram.com/overunderachievers/
In this episode of Over Under Achievers... Knox and Jason have: Hot takes! King's Hawaiian Pretzel Bread! Paydays! Andre 3 $tacks' 3 Pack of Picks! And then of course... Cameo Closest to the Pin: Bradley Leland! Thank you for listening and please leave us a 5 star rating and let us know your takes on X and Instagram! https://twitter.com/OUAchievers https://www.instagram.com/overunderachievers/
You know I'm here to help you avoid the mistakes I've made in the past. One of the biggest opportunities I used to miss out on was saying yes to the small opportunities that pay off big time in the long run. These smaller payoffs don't demand much of your time or energy, are easy to collect, and are oftentimes the seeds of million-dollar plants. IN THIS EPISODE, WE TALK ABOUT: - Why it's so important to collect low-hanging fruit - How to stack small, consistent opportunities for future major long-term payoffs - Proof that the smallest paydays are the seeds that will turn into huge profits - Utilizing collaboration as a simple shortcut to business success RESOURCES - Text ROUNDTABLE to 310-421-0416 to get information on our next roundtable event CONNECT WITH CHRIS Follow me: @chriswharder Visit my website: chrisharder.me Learn more about frello, my peer-to-peer lending app: frelloapp.com Follow frello: @frello_app