Podcasts about PPP

Este PPP Extra es presentado por nuestros patroncitos y patroncitas:  Nuestra comisión del buen gusto de PPP, te recuerda que nuestros patroncitos de Boronea, localizados en el Mall of San, tienen lo último en vestimenta de alta calidad para caballeros con materiales en sus camisas como el 100% algodón y lino, permitiendo que te sientas cómodo y sin calor. Así que ya sabes, dale percha a esa pijama y a esa polo percudida, y pasa por Boronea. Los encuentras en su página de instagra Boroneapr y en su tienda de The Mall of San Juan.  --- COMO TODOS SABEMOS PUERTO RICO ESTÁ ATRAVESANDO POR UNA CRISIS FINANCIERA SIN PRECEDENTES Y EXISTE UNA LEY DE PROTECCIÓN LLAMADA LA LEY FEDERAL DE QUIEBRAS. LA OFICINA DEL LICENCIADO EDGARDO MANGUAL GONZÁLEZ ESTÁ ABIERTA Y ESTÁ ORIENTANDO POR TELEFONO DE FORMA GRATIS Y CONFIDENCIAL SOBRE LA PROTECCIÓN DE LA LEY DE QUIEBRAS LLAMANDO AL 787-753-0055. LA LEY DE QUIEBRAS ES LA ÚNICA LEY QUE OBLIGA A LOS ACREEDORES A DETENER LAS LLAMADAS DE COBRADORES, DETENER EMBARGOS Y REPOSESIONES DE AUTOS, REORGANIZAR DEUDAS Y SALVAR PROPIEDADES. LLAME AL LICENCIADO EDGARDO MANGUAL AL 753-0055 O VISITE LA PÁGINA DE INTERNET QUIEBRAS.NET. LA LEY DE QUIEBRAS ES TU DERECHO DE REORGANIZAR Y SALVAR PROPIEDADES EN ESTA CRISIS ECONÓMICA. LICENCIADO EDGARDO MANGUAL 753-0055, 753-0055, 753-0055 --- Tienes un familiar que sientes que no tiene su memoria como antes? Se le hace dificil recordar nombres de familiares?  Ahora con nuevo Centro de Memoria en Arecibo. Trabajan con personas con Demencias, Alzheimer's o que simplemente deseen mantenerse bien. Los patroncitos Yaelis y Javier están Certificados en Demencias y pueden ayudar a tu ser querido en mantener las funciones de la memoria por más tiempo.    Visitanos en Arecibo a pasos de la Universidad Católica. Para citas u orientación llama al 787-689-4245. Memory Care Center; Tu Centro de Terapias para la Memoria. -- Matrix Patent Agency se dedica a preparar y radicar aplicaciones de Patentes (de Invención diría la RAE), el documento que emite el USPTO y el cual protege sus derechos sobre 'Inventos' en EE. UU. (y extensiones para protección Global). El principal de Matrix se llama Luis Figarella, PE y Agente de Patentes Registrado en el USPTO (Reg. # 58,300).  Los agentes hacemos lo mismo que los abogados de patentes en lo que llamamos el “prosecution” (preparar, radicar y si, ‘negociar' con el Examinador del USPTO). Si ha pensado alguna ves proteger su ‘invento', me deja saber y vemos si se puede hacer algo o no. Desde que Matrix comenzó en el 2006, tengo sobre 115 patentes tramitadas y emitidas para mis clientes, 47 de ellas a clientes en PR. 603.557.8420 (C)  603.821.7400 (O)  -- En este episodio: la renuncia del Cano y todo lo que sabemos sobre su inminente arresto. Trambién, las pistas de patinaje sobre hielo y el Duque del Viaducto.  ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast ayer! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

EPISODIO EXCLUSIVO para los y las miembros de nuestro Patreon. Conviértete en patroncito o patroncita y únete a la mejor comunidad del internet boricua en patreon.com/puestospalproblema Este es el episodio exclusivo de nuestro Patreon para el mes de octubre. Suscríbete tendrás acceso a este episodio y a 19 adicionales exclusivos en nuestro patreon.   Nos sentamos con Frankie Martínez Blanco, un boricua que ha trabajado en las más altas esferas de la política americana, para hablar sobre las elecciones del 2022 y el ambiente político de la metropoli. Con Jonathan Lebrón (@SrLebron), Luis Herrero (@lherrero) y Frankie Martínez Blanco. Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP.  -- Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

Everything is cyclical. In the nature, there are balancing forces (Satva plus Rajas) and destabilizing forces (Rajas plus Tamas). When destabilizing forces on the raise, we have to be Patient, Pray and continue our good practices. (PPP)

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 If over-spending is your problem, it means you're not controlling your money.Your money is controlling you. Today on MoneyWise, Rob West has some ideas about how to change that. While it's certainly true that God created everything and owns everything, it's also true that He's put each of us in charge of just a tiny portion of His holdings, and He expects us to be faithful stewards of His resources.To do that, we have to control money and not let it control us.God's word contains over 2300 verses about money and possessions and when we follow those principles, we become financially free.When we don't, we become slaves to money.It controls us.Here are Rob's key steps to getting control of the money God has given you: 1.Avoid debt. Proverbs 22:7 says, The rich rules over the poor, and the borrower is the slave of the lender. And Proverbs 21:20 tells us, Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.If you have trouble managing your credit and debit cards, stop using them. It is possible to use cash for many of your budget categories.The advantage to using cash is you can't overspend like with a credit card if you separate your cash into envelopes or categories. When an envelope is empty, you can't spend any more in that category.If you don't sneak and dig into another category, you'll still have the money you need for other things. That part is just simple math. Rob also talks about the strong psychological component to using cash. When you have to hand over actual dollars, it's much more difficult to part with them. Studies show people spend 10 to 30-percent less just by using cash instead of plastic, so it's a real help in controlling impulse spending. 2.If you already have debt, pay more than the minimum payment each month. When you pay just the minimum on your credit card, for example, a lot of that money is going toward interest only, so it will take years to pay it off.Instead, pay as much as you can above the minimum each month to get that card paid off quickly.If you have more than one card to pay off, Rob recommends paying the one with the lowest balance off first to get it out of the way, then taking what you were paying each month on that card, adding that amount to what you have to pay on the next lowest card, and pay it off in the same manner. That's called the snowball method. You'll get a quick psychological boost from paying off a card. That gives you incentive to keep going. When that's paid off, you can go on to the next card with the lowest balance and so on. 3.Avoid the lure of credit cards offering big rewards unless you already have a spending plan in place and you're already using it.Those reward points will be dwarfed by the interest payments you'll have to make if you don't pay off the entire balance each month. Many people think they won't let that happen, but then an unexpected expense comes along and the easy way out is to use the credit card.This leads to the fourth step in Rob's plan to control your money. 4.Set up an emergency fund. Rob recommends it be able to cover 3 to 6 months of living expenses. Then, when an extensive medical emergency or a job layoff pops up, you use emergency fund money to pay for it and keep you afloat. Next, Rob answers listener questions including the following: We applied for a PPP small business loan in 2020, received the money, and then applied for and were granted loan forgiveness.Are there any surprises we should be aware of on our taxes or elsewhere? I'm getting married in January, and we don't want to combine our finances until after we're married.How would you recommend we plan for the time when we DO merge our money?(Rob answers the question, but also recommends the bookMoney and Marriage God's Wayby Howard Dayton.) I'm trying to help my mom purchase her first home and may need to co-sign in order for her to qualify for a loan.I don't really have extra money to help her, so what would you recommend I do? Remember, you can call in to ask your questions 24/7 at (800) 525-7000 or email them toQuestions@MoneyWise.org. Also, visit our website atMoneyWise.orgwhere you can listen to past programs, connect with a MoneyWise Coach, and even download free, helpful resources like the free MoneyWise app. Like and follow us on Facebook at MoneyWise Media for the very latest discussion! And remember that it's your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab on our website or in our app.

Today, you're in for quite a treat!  I spoke with Tom Hooten, Principal Trumpet of the LA Philharmonic and one of the world's most prominent classical trumpeters. Be prepared to walk away from this conversation feeling highly motivated and inspired by the energy and wisdom he brought to this conversation! We covered many great topics, including: Tom's self-described “unconventional” journey to this point in his career as a professional musician (3:38) How important mindset is to practice and improvement (8:49) Digging into meeting yourself “where your talent ends” (13:00) Teaching as problem-solving and shifting perspectives (17:08) Tom's process in the practice room, specifically in preparation for a world-premiere piece (19:32) Asked himself: what is the end result? (21:06) Made a list of specific things that needed consistent attention (22:11) Planned out a routine, including the actual times to practice (and how, if you fail to commit to those times, you'll end up with a “frustration cocktail”) (22:45) Got honest with what he could and could not do to fill out that schedule (24:00) Used the app “Seconds Pro” to create a timed, custom “workout” practice routine (24:14) Continued to tend to his foundational base of skills, in conjunction with the specialty skills required from a specific piece (28:00) What it means to create for yourself, opposed to mimicking others' interpretations (30:33) Audition tips, including winning auditions through trust, honesty, and dedicated practice (32:35) Some rapid-fire answers, including what Tom's schedule looks like, the importance of asking good questions, and a (somewhat unexpected!) accountability tool to use during practice (37:11) LINKS: Instagram: @tomhooten Facebook: https://www.facebook.com/TomHootenTrumpet Website: https://www.tomhooten.com Seconds Pro Interval Timer App, for Apple: https://apps.apple.com/us/app/seconds-pro-interval-timer/id363978811 Seconds Pro Interval Timer App, for Google: https://play.google.com/store/apps/details?id=com.runloop.seconds&hl=en PRACTICING FOR PEAK PERFORMANCE: I'm excited to tell you that Practicing for Peak Performance is now available for download! Go to MindOverFinger.com for access to all the tools that will help you transform your practice, gain confidence in your process, and start performing at your best.  With the purchase of PPP, you gain: Access to all recorded content - over 7 hours of instruction Guidance in effective high-performance systems Detailed handouts For a limited time only, a free 30-minute consultation with me. PPP alumnus Karmen Palusoo has this to say about it: “For a long time I have had this belief that learning an instrument is difficult and hard work or that it has to be, and there is no other way. Only a few weeks after PPP, I am starting to feel that change! My everyday practice sessions are now filled with freedom and ease!” MIND OVER FINGER: As we head into this new season, I encourage you to visit MindOverFinger.com for a plethora of resources on mindful practice and information on how to work with me. Sign up for my newsletter and receive your free guide to a highly productive mindful practice using a metronome! www.mindoverfinger.com https://www.facebook.com/mindoverfinger/ https://www.facebook.com/groups/mindoverfinger https://www.instagram.com/mindoverfinger/ THANK YOU: A HUGE thank you to my fantastic producer, Bella Kelly, who works really hard to make this podcast as pleasant to listen to as possible for you. Most sincere thank you to composer Jim Stephenson who graciously provided the show's musical theme.  Concerto #1 for Trumpet and Chamber Orchestra – Movement 2: Allegro con Brio, performed by Jeffrey Work, trumpet, and the Lake Forest Symphony, conducted by Jim Stephenson.

Presentado por nuestros patroncitos y patroncitas PYMES: Nuestra comisión del buen gusto de PPP, te recuerda que nuestros patroncitos de Boronea, localizados en el Mall of San, tienen lo último en vestimenta de alta calidad para caballeros con materiales en sus camisas como el 100% algodón y lino, permitiendo que te sientas cómodo y sin calor. Así que ya sabes, dale percha a esa pijama y a esa polo percudida, y pasa por Boronea. Los encuentras en su página de instagra Boroneapr y en su tienda de The Mall of San Juan. Descuento 30% en Black Friday EN TODA LA TIENDA!!! HISTERIAAAAAA --- COMO TODOS SABEMOS PUERTO RICO ESTÁ ATRAVESANDO POR UNA CRISIS FINANCIERA SIN PRECEDENTES Y EXISTE UNA LEY DE PROTECCIÓN LLAMADA LA LEY FEDERAL DE QUIEBRAS. LA OFICINA DEL LICENCIADO EDGARDO MANGUAL GONZÁLEZ ESTÁ ABIERTA Y ESTÁ ORIENTANDO POR TELEFONO DE FORMA GRATIS Y CONFIDENCIAL SOBRE LA PROTECCIÓN DE LA LEY DE QUIEBRAS LLAMANDO AL 787-753-0055. LA LEY DE QUIEBRAS ES LA ÚNICA LEY QUE OBLIGA A LOS ACREEDORES A DETENER LAS LLAMADAS DE COBRADORES, DETENER EMBARGOS Y REPOSESIONES DE AUTOS, REORGANIZAR DEUDAS Y SALVAR PROPIEDADES. LLAME AL LICENCIADO EDGARDO MANGUAL AL 753-0055 O VISITE LA PÁGINA DE INTERNET QUIEBRAS.NET. LA LEY DE QUIEBRAS ES TU DERECHO DE REORGANIZAR Y SALVAR PROPIEDADES EN ESTA CRISIS ECONÓMICA. LICENCIADO EDGARDO MANGUAL 753-0055, 753-0055, 753-0055 --- Empresarios por Puerto Rico, es una organización sin fines de lucro que representa renglones empresariales diversos de todos los tamaños, y que poseen en conglomerado un volumen de venta de más de $4,000 millones, siendo uno de los mayores aportadores a la economía local.  Como sector empresarial representamos empresas de capital local, entre estos tenemos como miembros a Selectos, Econo, Coopharma, Cooperativas de Ahorro y Crédito, Los Ejecutivos Cooperativas, Droguería Betances, Ferreterias Ace, SuperMax entre otros.  Anualmente hacemos una campaña que se llama “El Miércoles Naranja” que es el el día antes de ThanksGiving y dos Días antes del mal llamado “black friday”.  Conoce más en compralealdeaqui.com  -- El fisiatra “PPP” Ruben Rivera con especialidad en medicine deportiva ubicado en Caguas y Humacao. Atendemos lesiones deportivas, dolor de espalda, artritis, síndrome de túnel carpal, rehabilitación ortopédica post operatoria. Realizamos estudios electrodiagnosticos (“estudio de agujas”), inyecciones de tendones, articulaciones como rodilla, hombro y cadera guiadas por sonografía e inyecciones de plasma rico en plaquetas (PRP). Para citas se puede comunicar al 787-745-4355 en Caguas y al 787-850-7393 en Humacao. --- ¡Happy pavo day!  En este PPP Extra: la convención del PNP, el posible proyecto de consenso de statuts, Narmito Airlines y la gentrificación del Viejo San Juan.  ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast ayer! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

This episode was originally published on June 3rd, 2020  as Episode 84. The coronavirus pandemic has proven to be the most significant business crisis in global history.  What will it take for multinational companies to aptly respond to the crisis while managing potential future harm from the Paycheck Protection Program (PPP) audits and investigations? Michael is joined by two guests, Jonathan Aronie and Joe Jay, from Sheppard Mullin's Organizational Integrity Group (OIG). Jonathan Aronie is a partner in the Washington, DC office of Sheppard Mullin, and the co-leader of the firm's Government Contracts and Internal Investigations Practice Group. In 2013, Jonathan was appointed by the U.S. District Court for the Eastern District of Louisiana to serve as the Federal Monitor over the NOPD Consent Decree, the most comprehensive Consent Decree in the country. He is the author of From Bourbon Street To The Board Room: Eight Aids to Sustaining Reform.   Joe Jay is a partner in the Government Contracts, Investigations & International Trade Practice Group in Sheppard Mullin's Washington, D.C. office. Joseph's practice encompasses a broad array white collar defense, corporate investigations, and international trade matters. His matters include defense of civil and criminal enforcement actions and investigations, compliance counseling and regulatory advice.  Subscribe on Apple Podcasts, Google Play or Stitcher to receive every new episode as soon as they're published! What We Discuss in This Episode: What is the Organizational Integrity Group (OIG) and how does it help businesses? How has the coronavirus pandemic allowed the OIG to focus on what really matters when it comes to businesses responding in real-time to harm? What types of PPP audits and investigations will likely stem from the current pandemic? How will any investigations go beyond merely auditing funds that were disbursed? What else should businesses think about when carrying on with business activities under the PPP? What is the Defense Protection Act (DPA) and how might it affect enforcement of PPP spending? What types of questions are OIG clients asking of their counsel? One of the OIG's First Principles guides businesses facing a potential crisis to “slow down the scene.” What does that entail? What goals are OIG counsel trying to achieve in what they call the legal “pre-mortem” portion of assessing a company's needs? How important is it to “vet” any partners that your company plans on working with? Resources:  "Using “Prospective Hindsight” To Identify And Mitigate Risks During A Crisis," Organizational Integrity Group Blog, May 26, 2020

This week we look at: House passes BBBA, but not clear what the Senate will do IRS clarifies 2021-2022 treatment of meals and incidentals per diem Self-directed IRA implodes on taxpayer due to find that assets were held personally and commingled with other assets IRS gives guidance on timing of PPP forgiveness income, as well as very short term BBA partnership amended return relief Copyright 2021, Kaplan, Inc.

A taxpayer runs into issues with her self-directed IRAs, the IRS releases guidance on the timing of PPP loan forgiveness and more.

Okay so this episode had a little of everything it. First we discussed the tragedy that occured at Astrofest were 10 civilians were killed and many others injury in a bizarre, chaotic events during the Travis Scott concert. Who was totally in the wrong? Were the workers prepared? Has the pandemic made people even more crazy? We answer those questions. In this episode we also discuss some finances, inflation, a co-host who didn't know he lost health insurance and much more. Oh yeah, someone tried to host a PPP as well. Episode you don't want to miss

Presentado por el nuevo servicio residencial de Aeronet: HomeFi. Se acabó el dupolio del internet en el hogar, ahora la conexión más fuerte llega a tu casa. Llama ahora al 787.273.4143 o visita homefi.pr, precios mensuales comienzan en $49.99. --- También presentado por Goal Zero y sus plantas eléctricas YETI que no necesitan gasolina y se pueden cargar con la luz del sol. Sobrevive los huracanes, los apagones y los papelenes con tu Goal Zero del Sobrevive Store. Llama ahora al 787.602.6001, búscalos en Facebook o visita su show room en Guaynabo, al lado del Colegio Adianez. --   En este episodio le seguimos el rastro al Pavawars de la semana, especulamos sobre la convención del PNP, traemos primicia de aparente renuncia en equipo electoral de MVC, reaccionamos a la aprobación del Build Back Better en el Congreso y nos transportamos a la Sultana del Oeste con Guillito. ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast el sábado! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

Presentado por el nuevo servicio residencial de Aeronet: HomeFi. Se acabó el dupolio del internet en el hogar, ahora la conexión más fuerte llega a tu casa. Llama ahora al 787.273.4143 o visita homefi.pr, precios mensuales comienzan en $49.99. --- También presentado por Goal Zero y sus plantas eléctricas YETI que no necesitan gasolina y se pueden cargar con la luz del sol. Sobrevive los huracanes, los apagones y los papelenes con tu Goal Zero del Sobrevive Store. Llama ahora al 787.602.6001, búscalos en Facebook o visita su show room en Guaynabo, al lado del Colegio Adianez. -- En este episodio: la reforma de la UPR, el who's who de los mill'os y los pela'os del Capitolio, la semana LUMAtica y el papelón judicial, un poco de inflación, empleo y tendencias del mercado; y detalles del lugar donde celebraremos los PPP Awards. ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast el sábado! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

Post Pandemic Church Attendance is low, Facebook goes Meta, and some churches appear to have gotten gypped in PPP loans. Later, Pastor Gary heard that Saving Faith doesn't always save? What? Visit Matthew Pancake's Facebook http://www.facebook.com/matthew.pancake Visit Pastor Gary Held's Facebook http://www.facebook.com/garyheld Visit our Website www.RadicalGraceRadio.com Visit Our Youtube Page Risen Savior's Youtube Channel

Reporter Alexei Koseff joins host Dominic Fracassa to talk about his investigation showing that some state lobbying firms improperly received pandemic-relief loans they weren't eligible for. It's yet another example of the slapdash rollout of PPP loans during the chaos of the COVID-19 pandemic. | Unlimited Chronicle access: sfchronicle.com/pod Learn more about your ad choices. Visit megaphone.fm/adchoices

Presentado por nuestros patroncitos y patroncitas PYMES: Los jabones Don Gato son hechos a mano, sin químicos dañinos ni detergentes. Elaborados con los mejores aceites naturales, esenciales y aromàticos, seguros para la piel. Pruébalos y siente la diferencia. Visítalos ahora en jaboneradongato.com  y con la compra de 4 barras o más te llevas gratis una jabonera de madera, además al utilizar el código "ppp"  obtienes un 10% de descuento en tu compra. Sígelos en sus redes face book, instagram y twitter como jaboneradongato para mantenerte informado. --- Armería Gutierrez en Arecibo, tu armería (y club de tiro) patroncito. Haz los trámites para tu portación de armas o practica tu puntería en Arecibo. Búscalos en Facebook o llama al 787-878-8329. PATRONCITOS ORIGINALES, la Armería Gutierrez en Arecibo. -- Tienes un familiar que sientes que no tiene su memoria como antes? Se le hace dificil recordar nombres de familiares? Ahora con nuevo Centro de Memoria en Arecibo. Trabajan con personas con Demencias, Alzheimer's o que simplemente deseen mantenerse bien. Los patroncitos Yaelis y Javier están Certificados en Demencias y pueden ayudar a tu ser querido en mantener las funciones de la memoria por más tiempo. Visitanos en Arecibo a pasos de la Universidad Católica. Para citas u orientación llama al 787-689-4245. Memory Care Center; Tu Centro de Terapias para la Memoria. -- Ecorganic Boutique, una empresa puertorriqueño que vende todo tipo de productos naturales y orgánicos para el hogar y para las personas, niños, niñas y mascotas. En Ecorganic encontrarás las mejores marcas, sin ingredientes tóxicos ni dañinos para el ambiente. cheque a los productos para el regreso a la escuela! Cupón de descuento para los que sintonizan PPP: 15% de descuento código: PPP Conoce sus productos ecorganicboutique.com. Síguelos en las redes sociales como Ecorganic Boutique. Gracias Ecorganic Boutique. -- ¡Hoy hacemos algo que nunca habíamos hecho: le abrimos los micrófonos a los patroncitos y patroncitas! Pero antes, todo lo que ha pasado hasta ahora en el juicio de PROMESA, la vista del SSI ante el Tribunal Supremo de EE.UU. y la última patética de Foquito y los antivaxxers.  ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast ayer! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

Pens down! This one is over, and we've crowned a winner of the Best Disney Parks Autograph bracket. Did royalty reign? Or did an old parks pal lock down the dub? - VIEW THE AUTOGRAPHS WE TALK ABOUT: https://cutt.ly/DisAutographs - Welcome back to sparkling water expert, Taylor! - Kyle brought back-to-back beers with braided humans for his Spoonful of Sugar. - Why is Woody the biggest character all of a sudden? - Cinderella was the lead princess until Venelope came along. - Donald Duck's autograph looks like Kyle's dad signed it and said “you were asleep.” - Donald Duck would probably vandalize your yearbook. - What would Mad Hatter actually do with your autograph book? - Chris thinks Cinderella is illiterate. - “You down with PPP?” - Cinderella is the Matt Olson of Disneyland. Got a rebuttal? Want to be a tiebreaker host? We'd love to hear from you: Support us on Patreon: cutt.ly/GerisGang Email us at mousemadnesspodcast@gmail.com Tweet us @MouseMadnessPod Follow us on Instagram @MouseMadnessPod Chat with us on Discord: discord.gg/qwpqAWA Join our Facebook Community: fb.me/MouseMadnessPodcast

Music: Pinot by @coachtev @1blakecris @producedbyj08s Show notes: Halloween for adults + Thanksgiving Drama + 2:25 / Astroworld Disaster + Spiritual Warfare 8:17 / Facebook name change + the Metaverse 19:24 / Working from home Study, are businesses really hiring? + PPP loans fine-print 25:15 / Kyle Rittenhouse trial + weaponized language 39:31 / Immigrant families separated at the borders could receive settlement money + Where's Kamala? 42:19 + more…

Today's guest is Ed Glaeser, a Professor of Economics at Harvard University, and he joins us to talk about urbanization and urban planning. Ed has written, or co-authored several books, including The Triumph of The City, and more recently, Survival of the City: Living and Thriving in an Age of Isolation, published this year with David Cutler. Our conversation begins on the subject of the rapid urbanization of parts of the developing world such as India and Sub-Saharan Africa. We explore what lessons can be learned in this regard from the urbanization of Latin America in the 1960s. Our exchange moves to touch on ways of urbanizing without industrialization or via services rather than manufacturing. Shifting onto the topic of urban governance, we hear Ed's thoughts on the 15-minute city concept, how to overcome political constraints to construction such as vetocracy, and how to push back against cars when they stand as status symbols to the newly rich. We also get into why the schools in big US cities are failing and how to deal with the rising carbon emissions that come as developing countries urbanize. We then talk about COVID-related challenges to productivity and the supply chain, before wrapping up on the subject of whether charter cities are a way of experimenting with pro-entrepreneurship institutions. Key Points From This Episode: •   The lessons to be learned from Latin America's urbanization regarding transport and more. •   Countries that have become urbanized without being industrialized. •   The connection between urbanization and moving out of poverty. •   Perspectives on manufacturing versus service-led paths toward transformation. •   Whether there is a distinction between urban migrants who arrive due to ‘pull' versus ‘push' factors. •   Ed's thoughts on whether secondary cities can be as productive as primary ones. •   The contrast between entrepreneurship and poor living conditions in Mumbai's Dharavi slum. •   Under which conditions private provision (PPP) works best and worst. •   What we can learn from large urban infrastructure projects built in the 1970s. •   Whether there are examples of cities that are good at combatting vetocracy. •   The leaders behind cities that have experienced massive urbanization. •   Why Ed thinks the 15-minute city is a dead-end concept but agrees with some aspects of it. •   How to push back against environmentally damaging status symbols for the newly rich as a planner. •   The factors that contribute to suburbanization and whether China is headed that way. •   How to deal with the rising carbon emissions that come as developing countries urbanize. •   Why large cities in the US are failing on the schooling front and Ed's thoughts on a solution. •   Ed's thoughts on a land-grant university model in developing countries. •   How to grapple with current COVID-related supply chain challenges. •   Productivity after social distancing in light of the connection between density and productivity. •   Why London and New York are still the only truly global cities. •   Whether charter cities are a way of experimenting with pro-entrepreneurship institutions.   Links Mentioned in Today's Episode: https://scholar.harvard.edu/glaeser/home (Ed Glaeser) https://www.nber.org/ (National Bureau of Economic Research) https://www.amazon.com/Triumph-City-Greatest-Invention-Healthier/dp/0143120549 (Triumph of The City) https://www.amazon.com/Survival-City-Living-Thriving-Isolation-ebook/dp/B08V896ZD6 (Survival of the City: Living and Thriving in an Age of Isolation) https://scholar.harvard.edu/cutler/home (David Cutler)... Support this podcast

Presentado por el nuevo servicio residencial de Aeronet: HomeFi. Se acabó el dupolio del internet en el hogar, ahora la conexión más fuerte llega a tu casa. Llama ahora al 787.273.4143 o visita homefi.pr, precios mensuales comienzan en $49.99. --- También presentado por Goal Zero y sus plantas eléctricas YETI que no necesitan gasolina y se pueden cargar con la luz del sol. Sobrevive los huracanes, los apagones y los papelenes con tu Goal Zero del Sobrevive Store. Llama ahora al 787.602.6001, búscalos en Facebook o visita su show room en Guaynabo, al lado del Colegio Adianez. -- En este episodio fronteamos porque podemos tras el lanzamiento de Puestos Pa' los Cangrejeros, conversamos sobre el estatus de la reReforma Laboral y el lloripari empresarial, hacemos previa al comienzo del juicio del Plan de Ajuste, comentamos sobre el tiktok de Rodríguez Veve y nos burlamos, otra vez, de Foqui de Floral Park.  ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast el sábado! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

A lot has changed for Buddy Finethy since Bill interviewed him in 2018. Buddy bought out his Hawg and Ale partners, his friend Big John took over the menu (and added soul and love) and Buddy found musicians to create a unique soundscape. All of these elements result in a unique Marietta community. COVID pushed them to the brink, but with the help of the community and some PPP loans, they are coming back even stronger.  Check out Buddy and Big John at the Hawg & Ale Smokehouse 25 Powder Springs Street.

Presenters: Michael Cerami, EVP BD & Strategic Alliances, CPA.com Lisa Simpson, VP Firm Services, AICPA Lauren Pfingstag, Director of Congressional Affairs, AICPA Edward Karl, VP Taxation, AICPA Stan Sterna, VP Insurance Services, AON Topics:  Latest from DC on infrastructure bill & pending legislation Tax developments and planning for upcoming tax season PPP update Risks and liabilities associated with client data and cybersecurity

I'm really excited to bring you this conversation with Ralph Skiano, principal clarinetist of the Detroit Symphony Orchestra. Though this conversation was our first time meeting, our views on practice and mindfulness couldn't be more aligned. I hope you thoroughly enjoy this episode! Before joining the Detroit symphony, Ralph served as principal clarinetist with the Cincinnati Symphony, the Richmond Symphony, and the Des Moines Metro Opera. He's also appeared as guest principal clarinetist of the Seattle Symphony and the Cleveland Orchestra and as a soloist with ensembles throughout the United States, France, Germany, and Switzerland. In addition to his soloist and orchestral work, he is an active presenter and clinician, presenting masterclasses and workshops at universities all across the United States. Take a look at the links below to learn more about the books Ralph has written as well as other resources for musicians.  In our conversation, Ralph shares with us fantastic tips and tricks on how to practice mindfully, develop a solid process to prepare for auditions, nurturing mental strength, and so much more! He elaborates on... How his artistic path began, and how it has unfolded (3:28) The importance of music education and its availability in public schools (5:17) How to make your practice more effective by having fun and finding creative solutions to your audition problems (6:48) The game-changing effect mindful clarity and preparation has on your musicianship, and how to turn doubts into helpful stories (13:14) His summary of the most important parts of the audition process, and how your practice regimine can shift with time and experience (19:34) Thoughts on trusting in your work and overcoming self-doubt (29:06) What his career looks like now, and what he has found surprising (32:52) Habits that contributed to his success, advice for young musicians, and his latest practice-related interests (34:20) Finally, Ralph shares some of the resources he has created for musicians (see the “Links” section for more information) (40:42)   LINKS: Website: https://www.ralphskiano.com/ “Little Scores for Audition Success” by Ralph Skiano “Behind the Screen: A Winner's Guide to Preparing Your Next Audition” by Ralph Skiano Instagram: @DetroitClarinet   PRACTICING FOR PEAK PERFORMANCE: I'm excited to tell you that Practicing for Peak Performance is now available for download! Go to MindOverFinger.com for access to all the tools that will help you transform your practice, gain confidence in your process, and start performing at your best.  With the purchase of PPP, you gain: Access to all recorded content - over 7 hours of instruction Guidance in effective high-performance systems Detailed handouts For a limited time only, a free 30-minute consultation with me. PPP alumnus Karmen Palusoo has this to say about it: “For a long time I have had this belief that learning an instrument is difficult and hard work or that it has to be, and there is no other way. Only a few weeks after PPP, I am starting to feel that change! My everyday practice sessions are now filled with freedom and ease!”   THANK YOU: A HUGE thank you to my fantastic producer, Bella Kelly, who works really hard to make this podcast as pleasant to listen to as possible for you. Most sincere thank you to composer Jim Stephenson who graciously provided the show's musical theme.  Concerto #1 for Trumpet and Chamber Orchestra – Movement 2: Allegro con Brio, performed by Jeffrey Work, trumpet, and the Lake Forest Symphony, conducted by Jim Stephenson. Thank you to pianist-singer-song-writer Louise Kelly for the introduction!  You can find out more about Kelly and her creative work by visiting louisekelly.com.    MIND OVER FINGER: As we head into this new season, I encourage you to visit MindOverFinger.com for a plethora of resources on mindful practice and information on how to work with me. Sign up for my newsletter and receive your free guide to a highly productive mindful practice using a metronome! www.mindoverfinger.com https://www.facebook.com/mindoverfinger/ https://www.facebook.com/groups/mindoverfinger https://www.instagram.com/mindoverfinger/

Rich Potter and Jim were recently invited to be a guest on another Amazon seller podcast. It was a great conversation, so we added it as an episode for you on this podcast. We discussed Wholesale on Amazon, building multiple income streams, the unique system that Rich has developed for growing his $4.5million Amazon business (as taught in the ProvenWholesaleSourcing.com course), Scott Needham's new software tool called "SmartScout" that we are all excited about (SilentJim.com/ss has the best price), the importance of relationships in all online business efforts and much more.   Show note LINKS: ProvneWholesaleSourcing.com - the course taught by Rich Potter that shows you how to use SmartScout to rapidly uncover wholesale opportunities on Amazon.   ReplenWholesaleWorkshop.com - for those who want to travel to Rich's warehouse near Phoenix Arizona and learn the entire system from his team   PPP aka ProvenProductPartnering - one of the many modules inside the ProvenAmazonCourse.com course that teaches you the "agency model" as discussed on today's show.   SilentJim.com/ss - the best price you'll find on SmartScout - the tool that Rich Potter and Scott Needham discuss today Our large, free Facebook group for online sellers https://www.facebook.com/groups/mysilentteam 100% FREE! Join 65,000 + members from around the world who are using the internet creatively every day to launch and grow multiple income streams through our exciting PROVEN strategies! There's no support community like this one anywhere else in the world     Proven Amazon Course - https://ProvenAmazonCourse.com - Are you ready to be successful selling on Amazon? It's time to get instant access to the most widely used, most up to date, most creative and industry leading course in the "Learn to sell on Amazon" space. You'll find hundreds of recent success stories in our Free Facebook group from Amazon sellers using all manner of creative strategies from our ridiculously inexpensive yet powerful course!   Get smartphone alerts for new episodes with this free app (click this link with your smartphone) → SilentJim.com/updates    

How to manage a huge economic hit on your main asset class? How to buy and add value to properties today? Christopher Rising, co-founder of Rising Realty Partners, shares his expertise with us. You can read this entire interview here: https://bit.ly/3GMTaaF How did you deal with 1.5 yrs of lockdown (so far) when your main asset class is office in the Los Angeles area? What did we do from day one was, we did try to work with our tenants. When someone came to us or someone chose not to pay the rent, the first thing we would say was, give us your financials, let's be a partner here, and let us see. You kind of smoke some people out when you do that, because I can't tell you how many law firms felt like a lease was a one sided obligation, and they didn't have to pay if they didn't want to. But that's not true. We'd start with the, Hey, show us the books. Then we went to have you applied for a PPP loan, because those were specifically designed to pay salaries and to pay rent. And then if they didn't do that, we said, have you gone to business insurance, but we knew that they weren't fronting any of this. But if someone worked and tried to solve a problem, we worked with them. And in fact, I would say that every one of our retail tenants, our office building, I think to a tee, we are working out deals with them now, because most of them haven't paid rent in two years, so that we can keep them, but they also need to do things like extend their term or something. We're not trying to be punitive, and say, you owe us late rent. We're just trying to almost close our eyes and pretend the last two years didn't happen. We got through it. We paid our mortgages and all that. But in return, you have to give us a little more term on your leases. But it still hasn't been figured out. I think that on the multifamily side, there are a lot of problems that are hidden right now. Because you can't evict people, all you can do is served with a notice to pay. And I think when all of this gets lifted, you're going to see a lot of residential tenants whose credit gets really destroyed. I would love to hear about your last acquisition, how did you analyze it find value add, and why did you end up purchasing it? I'll talk about the last one, which was in Las Vegas, we've taken our industrial strategy and really focused on something called multi-tenant light industrial. I think when people talk about industrial today, they sometimes forget, there's different forms of industrial real estate, the one that is trading at unbelievably low cap rates are the big box, logistics based industrial buildings. You think of a big Amazon center or distribution center, or just anybody who's moving product, those are trading at very low cap rates are very hard to buy, because you have to buy them in scale. You're not really selling one offs, it's usually portfolios. But people are really buying the cash flow stream and the quality of that credit. So that is not an area we have participated in, even though my father when he was in development, that's what they did. We've taken a different approach and focused on this multi-tenant light industrial product that really isn't getting built much anymore, especially in major CBDs. It's not getting built, because it's hard to get entitled, if you're going to build something in industrial, you'd prefer to build the big box industrial, it costs less, you get more for your money. The Real Market With Chris Rising twitter.com/chrisrising www.chrisrising.com --- Support this podcast: https://anchor.fm/best-commercial-retail-real-estate-investing-advice-ever/support

SponsorsCenter Card:  https://cloudaccountingpodcast.promo/centerBaCo Tech: https://cloudaccountingpodcast.promo/bacoReach Reporting: https://cloudaccountingpodcast.promo/reachNeed CPE? Subscribe to the Earmark Accounting Podcast: https://podcast.earmarkcpe.comGet CPE for listening to podcasts with Earmark CPE: https://earmarkcpeShow Notes1:25 – We're back from Scaling New Heights! Teslas, double-decker booths, and vaccination tales, oh my!  8:25 – Wanna win a Tesla? Go here: https://use.expensify.com/teslagiveaway ExpensifyApproved! Accountants Can Win a Free Tesla from Expensify!https://www.businesswire.com/news/home/20211025005776/en/ExpensifyApproved%21-Accountants-Can-Win-a-Free-Tesla-from-Expensify 10:15 – Scaling New Heights 2022: Thrive https://www.woodard.com/2022-scaling-new-heights-registration 11:13 – Parker Conrad's Rippling is now valued at $6.5 billion — more than Zenefits at its peakhttps://techcrunch.com/2021/10/21/parker-conrads-rippling-is-now-valued-at-6-5-billion-more-than-zenefits-at-its-peak/ 16:25 – Woodard Announces Partnership with Wolters Kluwerhttps://report.woodard.com/articles/woodard-announces-partnership-with-wolters-kluwer-fpwr 18:20 – Gusto acquires Remote Teamhttps://www.accountingtoday.com/news/gusto-acquires-remote-team 19:40 – FBI Raids Chinese Point-of-Sale Giant PAX Technologyhttps://krebsonsecurity.com/2021/10/fbi-raids-chinese-point-of-sale-giant-pax-technology/ 22:46 – What's new in QuickBooks Online: October 2021https://quickbooks.intuit.com/blog/whats-new/whats-new-in-quickbooks-online-october-2021/ 25:55 – Audit Sight takes on new capital to eliminate all of the back and forth between auditors, companieshttps://techcrunch.com/2021/10/22/audit-sight-takes-on-new-capital-to-eliminate-all-of-the-back-and-forth-between-auditors-companies/ 27:54 – Xero serves US CrossFit community as preferred accounting platformhttps://www.xero.com/blog/2021/10/us-crossfit-community-preferred-accounting-platform/ 29:57 – Accountants' favorite apps: 2021 editionhttps://www.accountingtoday.com/list/accountants-favorite-apps-2021-edition 36:10 – Blake is Relay's new Accounting Community Advocate    https://www.accountingtoday.com/list/on-the-move-sax-presents-annual-founders-award 38:59 – SURVEY: Office 365 Dominates Accounting Officeshttps://cpatrendlines.com/2021/10/14/survey-office-365-dominates-accounting-offices/ 43:50 – ProPublica is hiring an accountanthttps://www.linkedin.com/jobs/view/finance-associate-at-propublica-2781745917 46:31 – CEO Video Series: Putting Destination CPA Back on Accounting Students' Radar https://vimeo.com/638007048 51:31 – A CPA Pipeline Report: Decoding the Declinehttps://www.icpas.org/information/professional-issues/decoding-the-decline 53:14 – Apple's Most Back-Ordered New Product Is Not What You Expecthttps://www.nytimes.com/2021/10/29/technology/apple-polishing-cloth.html 57:03 — Listener Mail – Thanks, Ryan Pearcy! Check out his podcast, Digi-Tools in Accrual World! https://digitoolsinaccrual.world/ 58:49 – Man spent $57,789 in coronavirus relief aid on a Pokémon card, feds sayhttps://www.npr.org/2021/10/25/1049011060/coronavirus-relief-aid-pokemon-cardGet in TouchThanks for listening and for the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and, if you like what you hear, please do us a favor and write a review on iTunes, or Podchaser. Interested in sponsoring the Cloud Accounting Podcast? For details, read the prospectus, and NOW, you can see our smiling faces on Instagram! You can now call us and leave a voicemail, maybe we'll play it on the show. DIAL (202) 695-1040Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and other necessitiesTeePublic Store: http://cloudacctpod.link/merchSubscribe Apple Podcasts: http://cloudacctpod.link/ApplePodcasts Podchaser: http://cloudacctpod.link/podchaser Spotify: http://cloudacctpod.link/Spotify Google Play: http://cloudacctpod.link/GooglePlay Stitcher: http://cloudacctpod.link/Stitcher Overcast: http://cloudacctpod.link/Overcast ClassifiedsFuture Firm: https://futurefirmaccelerate.com/Accounting Podcast Network: https://accountingpodcastnetwork.com/Go here to create your classified ad: https://cloudacctpod.link/RunClassifiedAd  Want to get the word out about your newsletter, webinar, party, Facebook group, podcast, e-book, job posting, or that fancy Excel macro you just created? Why not let the listeners of The Cloud Accounting Podcast know by running a classified ad? Hit the show notes for the link to get more info.Full Transcript Available Upon Request - info@cloudaccountingpodcast.com

Ashley Kehr Holds Degrees in Financing and Public Accounting and is a License Insurance Agent. She Purchased Her First Rental Property in 2014 and since then has Grown her Buy and Hold Portfolio Consisting of Residential Property, Commercial Property and Mobile Home Parks. Ashley is also the co-host of the BiggerPockets Real Estate Rookie Podcast with a Goal to help Newbies figure out the Actionable Steps Necessary to get their first deal. Currently, Ashley lives near Buffalo, NY on a Dairy Farm with her husband and three boys. She Spends most of her time Educating New Investors, Analyzing deals, Seeking the Next Adventure, and living a spontaneous life. In this episode we talked about: Ashley's Bio & Background Property Management The First Duplex Deal Investing in Mobile Home Parks A Pivot to Camp Grounds The Underwriting for Camp Grounds Regulatory Environment The Philosophy of the Trade-off between Potential Income and Value Real Estate Risks and Opportunities in the Next 2 years Mentorship, Resources and Lessons Learned Useful links: https://www.instagram.com/wealthfromrentals/?hl=en Transcriptions: Jesse (0s): Welcome to the working capital real estate podcast. My name is Jesper galley. And on this show, we discuss all things real estate with investors and experts in a variety of industries that impact real estate. Whether you're looking at your first investment or raising your first fund, join me and let's build that portfolio one square foot at a time. Ladies and gentlemen, my name is Jesper gala and you're listening to working capital the real estate podcast. My special guest today is Ashley Kerr. Ashley holds degrees in finance and public accounting and is a licensed insurance agent.   She purchased her first rental property in 2014 and has since grown her buy and hold portfolio consisting of residential property, commercial property and mobile home parks. Ashley is also the cohort cohost of the bigger pockets, real estate rookie podcast with a goal to help newbies in real estate, figure out the actual steps necessary to get their first deal. Currently. Ashley, we just talked about this. You live near Buffalo, New York on a dairy farm of all things with your husband and three boys. How are you doing   Ashley (1m 2s): Good. Thank you so much for having   Jesse (1m 3s): Me right on. So I guess just on that, on that point, you are in Buffalo, so we're probably just a two hour drive away from each other. The dairy farm is that that's a family run thing or?   Ashley (1m 15s): Yeah, so my husband's family, he's third generation. And basically when I moved out of my parents' house, I moved to here and lived down the pharmacist.   Jesse (1m 25s): I love it. We were just chatting before the show. I'm kind of on the heels of, of BP con in new Orleans. Ashley was, you were speaking on a panel, you mentioned before. It was a panel of, I guess, women in real estate. Is that correct?   Ashley (1m 40s): It was all about women that have succeeded in real estate and their advice to inspire other women to get started.   Jesse (1m 49s): Awesome. Great. Well, like they can attest to the fact that we had a great time out there. Didn't cross paths at this time, but maybe next year at next BB con.   Ashley (2m 0s): Yeah, definitely. I there's so many people there so many awesome people to me, it's hard to even get from point a to B because you just run into people. Maybe you met online or people you wanted to meet or just, you know, somebody that comes up to you that heard your story. Yeah.   Jesse (2m 15s): I couldn't agree more Ashley for our listeners that don't know you have a really great presence online, Instagram kind of showcases some of the stuff you're doing, but for those that don't don't know your background, could you give us a little bit of a background of, you know, how you started out, how you got into this world of real estate that we, that we all love?   Ashley (2m 36s): Yeah, of course I, so when I graduated college, I got married and I started working at a CPA firm and I was going to get licensed as a CPA and just work as an accountant. Well, I lasted about six months and I really hated it. So I ended up quitting my job and I was just going to be a stay at home mom. I was going to get pregnant, have babies and live on the farm. Well, about two weeks into my unemployment, my friend's dad approached me and he had a 40 unit apartment complex that he wanted me to run for him.   And so I agreed I could do it from home. It would be part-time. And basically from there, I grew a property management company for himself, for him and all of his properties. It ended up being about 80 residential and about 20 commercial properties that I was managing for him. So to start my first deal, I actually approached his son and said, look what your dad is doing. We should do this. And we bought our first duplex in 2014. And that was how I got started.   Just kind of watching somebody else learning from him and working for him. I gained a lot of experience and knowledge.   Jesse (3m 49s): That's incredible. And that was only, I mean, 2014, right? Not too long ago. Yeah. So in terms of basically saying here's a 40 unit apartment, what were the details, was that, was that something local that you could do or was it, you know, it wasn't across state lines.   Ashley (4m 6s): Yeah, it was right in the town, you know, 10 minutes from my house as in the town that I had gone to high school. And so I knew the town very well. It was very convenient to get to. And I started off with a small little office there that I could go to if need be. And actually just my first day was the first of the month. It was April 1st, 2013. And so all the rent checks are coming in and I was like so nervous that I wasn't going to track them properly. That all 40 checks that came in, I actually photocopied all of them before I actually deposited them.   And I spent pretty much, it took me, I think like full two full years to actually build out my systems and processes for property management. But it was definitely a learning experience. I ripped my hair out a lot. I cried and life is much better now not doing property management. I ended up outsourcing property management to a third party in February, 2020. So I gave up the property management on my properties and also with the same investor. So now I just do asset management for both of us.   Jesse (5m 11s): Was there a reason that a, that person had had come to you for managing that, that 40 unit? Or was it just happenstance?   Ashley (5m 21s): I actually grew up next door to him, his daughter and I were best friends growing up. And I actually went on vacation with their family when I had just quit my job just because I had nothing else to do. And I that's where they were talking about who needs help. And I think there was kind of this mindset. They had that because I was an accountant. I was capable of managing and running a building, which really wasn't true. I could do the bookkeeping for it. But as far as I had to spend a lot of time learning the rules, the regulations and stuff like that and how to make it actually run efficiently.   So, but that was really just it. The, it was more his wife and his kids like pushing him. You need somebody to help you. And so I ended up doing a lot of admin stuff for him too in personal assistant stuff. And then he brought me in an all these projects. I helped him build a 40,000 square foot dealership. I helped him purchase a dealership. I helped him start an insurance agency. So I'm so grateful for him, for him because he brought me in on so many opportunities that a lot of people don't have that I guess, advantage.   Jesse (6m 32s): Yeah, for sure. It's like the school of hard knocks for a few real estate. So property management is, is one of those professions where it's, it's a lot of hard work. It's a lot it's can be a very stressful job. And usually when you're doing a great job of it, nobody calls you and says, Hey, you're doing a great job. So usually you get the call when there's an issue. How did you, well, I guess first, when did you realize that that was something maybe you didn't want to do at least you personally doing for, for long-term and, and w was there a light bulb moment that, you know, you came across that you, you thought, Hey, let's, let's go buy real estate.   Like you're talking about.   Ashley (7m 8s): Yeah, actually the light bulb moment was when I helped him purchase the dealership. So I saw how he was purchasing a business and what he was doing was taking his properties that he owned and refinancing them, pulling the equity out. And he was able to make a cash offer on this business and purchase it. And I still remember sitting in the attorney's office at the closing table and he had had me set up the LLC. He had had me set up the bank account and I was the one signing that huge check that was given at the closing table.   And just the fact that he put that pen in my hand and had me write that check. I had never even seen a check that big of a month before I think really had an impact on me. And I saw like the power of the real estate that he had and how he used the equity to further advance his investments. So that was the biggest aha moment for me.   Jesse (8m 4s): Yeah. And you kind of got the, I mean, learning by osmosis by you actually doing it, but it's kind of like, I, at least I see it as there's that psychological barrier for a lot of people, as you know, with, with our industry, but you basically being the proxy, they're signing the check for him that I've, I probably broke down some psychological barriers about who can or can't buy real estate at that scale.   Ashley (8m 26s): Yeah, definitely. And even he had me do all of his financing. So anytime he went and got loans, I was in charge of that. I did all that. I worked with banks and that also helped me build a network of loan officers too, because I was super diligent about being timely in responding to loan officers, getting them what they wanted and working with them. And they liked that working relationship. And so when I started investing myself, I had a lot of loan officers that were very eager to work with me because they knew that I would provide to them what they needed to make the loan work.   Jesse (9m 2s): Yeah. Attention to detail and, and staying on top of them that didn't know traits that would explain or describe a CPA there. Yeah. So in terms of you, you pivoting to, or moving on to saying here's an opportunity that you think that you and this investor that you worked with that would purchase it, how did that property come along? What was that deal like?   Ashley (9m 24s): So I started talking to my, the investor son, just putting a little bug in his ear. Like, I think we should do this. And actually the first property that I found, I sent it to him. I said, I think this is the one we should buy. And we went and looked at it and we put an offer. It was accepted. And so he brought the money, he had savings that was going to be the cash offer on the property and how we structured. It was, we became 50 50. So I would do the property management, manage the remodel and do all the leasing.   And then he was the money guy. But also what we did was to make it less risky for him. He also received a monthly principal and interest payment every month. So he was making five and a half percent on his money. It was amortized over 15 years. And then he was getting 50% of the equity in the property and 50% of the cashflow and the property too. So it was a very, I guess, a good offer for him because it was less risky because he was tied into it so much in getting all this benefit from it.   And for me, it was just a way for me to get started, look like right now, I would never do that deal with anyone, but looking back like that got me started. And I I'm super grateful   Jesse (10m 43s): For that. And was that a, was that a local deal?   Ashley (10m 47s): Yeah, so it was in the same town where I was managing the, the apartment complexes and we stuck in that town for, I think our first three deals. And then for our fourth one, we ended up venturing into the city more and then starting to spread out.   Jesse (11m 2s): So in terms of you, you started in this, this duplex, you said for this first deal, and now, you know, just kind of touching on that. That's not a deal you would do now, but how has that growth to the second deal? Was it, was it zero to one or was it one to 10? Like how did, what was the type of deal that you did after that? Duplex,   Ashley (11m 21s): After the duplex was another duplex and it was actually on the same street, just a couple houses down and it went up for sale and my partner ended up putting a line of credit on his house and that's how we, we use that money to purchase the second one. And then we ended up doing a portfolio loan, putting a mortgage on both of them pulling the cash out of them. And that's how we purchased our third home right around the corner too. So we bought three just within a couple blocks of each other.   Jesse (11m 49s): Very cool. So in terms of over the, I guess now, well it's seven years, a little bit, almost eight over that process. You've, you've obviously ventured out to other areas in commercial real estate. Well, what was that process like? It was, there was this, it sounds like at the beginning, at least it was a gradual thing, but was there another, whether you call it a hot moment or was there a big leap in saying, okay, I'm going to, I'm going to try my hand at this, you know, this asset class or moving out into larger deals.   Ashley (12m 18s): Yeah. At first I was very focused on duplexes, small multifamily. The largest I bought in the beginning was a six unit. And then the smallest was a duplex. And I, I was really focused on that and I really became very confident and comfortable purchasing in my market on those properties. So a lot of people ask if I still consider myself a rookie, if I'm purchasing a small multifamily my market. No, I don't. I think I'm very experienced in that. Any other kind of investing? Yes, definitely in that.   So I, I stuck with that and then I ended up just having this opportunity to buy this mixed use commercial building and the investor that I worked for. He owned a liquor store and I saw the power of his liquor store and just the uniqueness of it. And it could be a cash cow and just kind of diversify your portfolio. And so I ended up buying my first commercial building, where I put the, the liquor store in that building. And that was my first kind of different strategy than I went after since then.   So that building finished in 2020, we opened up the liquor store in November, 2020, since then I have been like all over the place, especially hosting a podcast is so bad for my shiny object syndrome because I hear all these things that are like, I just want to do that. They're like sounds awesome. All these different things. So I spent a lot of time going after self storage, mobile home parks and campgrounds. And I recently went to four conferences back to back and I finally have realized that I'm going to focus on campgrounds.   I do have a mobile home park under contract, which I'm going to continue with that. It's a sweet deal. I did have a self storage under contract, but it fell through because the seller wouldn't do a phase two environmental study. Yeah. So the phase one recommended it and the owner said no. So I falling out of contract on that one. And then I'm working on getting a campground under contract now. But I think my big aha moment as to why I was focusing on campgrounds is I had a couple of people talk to me during the conference and really like point out to me what I'm struggling with.   And point out facts, such as look at all the successful investors I'm friends with. He said, look at your network. Are all of them going after like three big asset classes right now? And the answer was no, they're all focused on one. Maybe they started out focused on something like I started out focused multifamily, but then now I'm pivoting. I have that down. I have that strategy, you know, set it's running smoothly and now I can pivot on onto something else, but you don't see these experienced successful investors going after three or four large strategies at once and seeing what will work.   And then the second aha moment for me was I was telling somebody about this campground that I was offering on. And he was like, that's, that's it. And I was like, what are you talking about? I know I want to offer. And he's like, no, that's what you're excited about. He was like, you just spewed off so many different random facts and stats and all this stuff. When you've talked about self storage, your mobile home park, it's just like, oh yeah, I got a mobile home park under contract. Like you don't have that excitement. So that was a big aha moment for me too, was that I'm actually excited about investing in campus.   Jesse (15m 39s): So leading up to campgrounds, which I want to talk about because we, we don't, I don't think we've ever really gone into detail at all on the show, in terms of that process, that takes you from the first few investments to where you're doing these, you know, more commercial side of the business deals. How, how did that develop from the team point of view in terms of networking with other people or having other people influence the decisions you made for those future properties?   Ashley (16m 6s): Yeah. So up until this mobile home park that I have on our contract, I had never paid more than $152,000 on a property. And that was my sixth unit. Everything else had been below that. So my mobile home park is $750,000. That is a huge like jump for me. And that was like a huge mindset shift for me to get over that hurdle because I'd never even spent close to that amount of money or looked for that amount of money.   I've always done well with creative financing and finding money, but to find that much money was like, like nerve wracking. But I spent the last year and probably if you would have talked to me two months ago, I wouldn't even have realized this yet, but I spent the last year doing so much networking. There's a group of people. It next month will be our sixth time meeting up for various events or different things. And I think just talking with them, seeing what they're doing has really kind of helped me eliminate a lot of my limited mindset and knowing that I can achieve these things, I am capable of doing this.   And if I work hard enough, I'm going to find a way I'm not going to give up. And so that definitely helped just seeing what these other people are doing. I even had a James Dainer and he's an investor from Seattle and he runs a very successful company. He endangered, he actually let me come and job shadow him for three days. And I just got to like, see the inner workings of his mind. I got to sit in in all his meetings and that was so awesome. And it's such a cool opportunity. So if anyone is trying to, like, you feel stuck, reach out to people in your network and just go and watch what they're doing and see it.   And it's, it's definitely motivating. I get so pumped up after I surround myself with other investors.   Jesse (17m 59s): Yeah, for sure. And I mean it to the conferences or, you know, speaking with other like-minded individuals, even at, at BB con when we were in new Orleans, it is I think a relative thing where people, I hope that when listeners hear, you know, $20 million, $40 million deal it's, there is that aspect of like, it is relative. There was a, there was a point where, you know, somebody jumping from a million to $5 million or 100,000 to 500,000 or less is, you know, for that person, it's five times what they've done before 10 times, what they've done before.   But I feel like once you do that enough times, you get that aspect of, oh, wait a minute. It really is that the concepts are the same. The deals are bigger, right?   Ashley (18m 40s): 'cause, you're getting like the same ratio of compare, like your, your rental income to the purchase price. Like if that ratio is still the same, who cares if it's a hundred thousand dollars property or, you know, a $1 million property, I guess. Yeah.   Jesse (18m 55s): I find the way I conceptualize the moving from, you know, your first property or second property, not really, I guess more so when you move from certain size of properties, to me, there's a category of one you can continue to bootstrap and then another, you have to raise external capital. Right. And, and what that inflection point is, is going to be different on the individual, right. You know, if you're one or two individuals, there's a certain level where you cannot afford to purchase that property, unless you create a structure where you're raising capital.   And I'm curious for yourself that 700,000, you mentioned creative financing. Did you underwrite it from a pure debt point of view and put in your own capital, or was that something where you had to create a vehicle where you were raising capital?   Ashley (19m 41s): So I spent all my money on real estate. So I have no money. I actually did two offers to the seller. I did one where I'd go and just get a commercial loan to purchase the property. And then I did one at seller financing and I did the seller financing at his asking price. And I said, you know, I'm willing to negotiate on terms. And he told me, I knew $2,500 a month. So I took, and I amortized the loan over 25 years at three and a half percent.   And that came out to $2,500 a month. And so I got a nice interest rate, a long-term loan, and then he needed, he's actually, he lives on the property. So he's actually moving off the property and he's building a house. So he needed some money for that to build the house. So I am putting some money down on the property, but I actually sold a property. And that's, what's going to fund that down payment.   Jesse (20m 41s): There you go. So that's creative. It's funny, you mentioned that one deal that didn't go through because you had the phase two environmental where, you know, there are all these strategies that you can use where we have a property right now that we have contamination on it. And it's really a matter of, of remediation. And part of their creative strategy, most likely will be a purchaser that comes along where we have to do, you know, a short seller financing or VTB on it to get it, you know, get the environmental assessment. But again, like, it's really just a matter of thinking outside of the box. And I'm sure you, as an accountant, you're like, okay, 2,500, we'll figure out what numbers those need to be to make that payment happen.   Ashley (21m 17s): Yeah. As soon as he said that, I got like excited inside and I was like my smile and be like, okay, well, how about if we did it this?   Jesse (21m 27s): So if we were to pivot to the campgrounds, this is something that, I mean, I don't know a lot about, I know we had Brandon on talking more about, you know, mobile, mobile home parks seem to continue to be the trend. Obviously multifamily is on fire, but yeah, for, for a complete newbie campgrounds, how did you come across them? And, and why do you get so excited when you, when you, when you're talking about?   Ashley (21m 54s): So I actually came across this campground that was close to me for sale. It was actually on LoopNet. And I found that the day was listen, I got to be the first person to go and see it. And the older gentleman that owned it, he took me through the whole property, along with my broker. And just like, I could see so much value add and all these different revenue streams just popping out at me. And so that's what really got my interest. And like, my family had cam when we were younger, my parents still have an RV.   We have like family land that we turned into, like a private campground, I guess. But so I have some experience in that and I love the outdoors and camping, all these different things, but just walking through that property and seeing the potential, like just even Wade whacking, the property was going to add so much value. The basketball net had like rocks or something, like holding it down and I wasn't even faced the right way. And just like all these things just super easy improvements could increase the value of it.   The second thing that really enticed me about that property was that there, I think there was 164 sites and about 120 of those were seasonal. So people came in in the spring and this was in Buffalo. So campgrounds are closed in the winter, but they came in, in the spring, left their camper there, they paid a seasonal rate. And then they came and picked up in the fall. And that really limits the daily check-in checkout, which I kind of liked that model a lot more because I'd like to stay away from as much operation as possible. So I offered on that property.   Hannah was like my biggest offer after it was 1.4 million and they were asking 1.5 and they had me go through, I was getting bank financing on that. And they had me go through a bunch of hurdles, like sending them so much stock to make sure I was really a qualified buyer. And then they ended up getting an offer from a capital group out of Los Angeles that beat me out. They did offer 1.5 million and they ended up getting it, but it made like the Buffalo news and stuff that this campground was, they stopped taking stop doing showings because there was two competitive offers from a capital group in Los Angeles and local investor, which is me, but that was like, so he got the bug there.   And then I realized like after I lost that on it, like, wow, I was actually, I really enjoyed that. So I started looking a little bit more and reading about different revenue streams. I got a couple of people on the podcast, the real estate Wiki podcast too, who are investing in campgrounds and one that wanted to start investing, but had done a ton of research, had them on the podcast so I can learn some more. And so then from there I found another one and I'm currently trying to get one under contract now.   And I just did a, an episode on the bigger pockets, real estate podcast with David Green. And I mentioned on there that I'm looking for campgrounds and that was released yesterday and already today. I have so many people sending me deals. So anybody else   Jesse (25m 4s): I'm sure. Yeah. It's a, it's a great, you know, selfish or symbiotic. I don't know you want to call it, but where we can, we can have people, we can have guests on we're. I mean, the value, hopefully we're giving is we're, we're getting it in return from having the guest on. And obviously listeners just hearing a boat, like I would never have thought a campgrounds. Now I'm going to look into what's the, what's the Canadian market, like in campgrounds. Just curious. I'm curious though, from the, from the perspective of you come across this, this, this camp brown, you start seeing all the different revenue, potential revenue, streams, the underwriting for a campground obviously, or maybe not obviously, but from my perception, it seems like you're buying a bit more of an operational business.   It's not as much pure real estate, but when you're underwriting it, are you looking at it as a, you know, as somewhat similar to a cap rate, like you're looking at the yields annually, are you looking at which companies that you would need to employ to, to manage the thing? W what did that look like for you being, especially being an accountant where it seems like those types of things would be at the top of the list for you?   Ashley (26m 11s): Yeah. So actually what I did at first was I AIG Osborn had, he has an available a self storage deal analysis calculator. I actually took that. And I use that for that first property that I put an offer in. And I tailored that to like, okay, so he has, you know, the size of the storage units. How many of those units do they have? And then what's the, you know, the monthly rate for that. And I just like, changed it. Okay. There is, you know, 50 full RV hookup sites.   There's maybe 50 with only electric or something. And I just tailored it to kind of fit a campground. So I've been actually working on that because there is not really a template or a calculator to analyze a campground because they're so different. Each one is so unique with what they have to offer and what are those different revenue streams. That's also what entices me, because there's so much different ways you can generate revenue off of a campground.   So for the deal analysis, it's really been, so I'm only offering on my second one, I've analyzed maybe four or five in total now. And I just, I have to completely almost redo the spreadsheet every single time, because they're going to have different expenses. They're going to have a different income streams. So I really just start by making a list of what I think the revenue is. It can generate. And then I'm pulling comps. I'm looking at websites of other RV parks in the area.   And I'm like, okay, what is their daily rate? What's their seasonal rate. A lot of times it even says what they charge for different things. So like one campground had a zip line and ATVs or whatever, and you'd pay like $25 for a day pass, use the activities. Okay, well, I could do that online, and this is what I could charge. So pulling comps on the campgrounds, because that's going to be your competition. People are going to look at what's around, especially the seasonal, because seasonal campers usually don't live that far from where they're parking their camper, usually within an hour, because they're going there on weekends, you know, the days off or even just for a night sometimes, and then commuting bathroom work, blackout work.   The one that I had offered on first at the Mo the owner said, the majority of people there lived within 30 minutes of where they were keeping their campsite. So if they're looking in that area, that's definitely going to be, your competition is looking right there and see what amenities they have, and then kind of figure out the price. It's almost like a, how an appraiser does an appraisal, those do the bedroom, count the bathrooms and then compares them and like, okay, this is the average, this is what I can put that value to that property.   Jesse (29m 4s): It's almost like how many things can we unitize and figure out what those, what those costs are or income is in terms of the, as a complete outsider in this, in this sector. Is there a case for campgrounds? Like, are there situations where the campground you can purchase the business itself, but not the real estate? Or are those always kind of co-mingled   Ashley (29m 28s): No, you definitely can where you do like a land contract, but that would be something that I'm not interested in at all. I like the idea of owning the property. And I joked when I went this recent one I'm offering, I joke that in 10 years, I'm going to pay it off. I'm going to kick everybody out and I'm just going to build my dream house live there.   Jesse (29m 50s): So actually we were on one of the panels that we had in, at the conference we were talking about, well, it was, it was a question for a couple of us on the panel and it was talking about the regulatory environment. And I thought, it'd be interesting to ask you because New York state, I think is probably of all the states, it's probably has a little bit more of regulatory kind of work to get through from a landlord tenant perspective. How, how have you looked at real estate or how has that impacted how you look at real estate, especially in your, in your state?   Ashley (30m 23s): Yeah, so it's definitely not a landlord friendly state, New York by all means. So everything really changed for the worse in June of 2019. And even now just with COVID the, the regulations they put on, on evictions and everything like that has been awful to deal with and what tenants can get away with. And it definitely has deterred me from wanting to keep building a portfolio here. I think that I do have a nice sized portfolio.   And if I, which I do think I will continue doing a bunch of burgers is I'll, I'll go out of state and kind of diversify in different markets. Maybe do a couple here a year still, just because it's so easy for me. Cause I know the market and I know the properties and I get a lot of deals sent to me. But yeah, we, we were lucky. We didn't have too many people that didn't pay during COVID, but there's one person that hasn't paid since COVID and we can't evict them.   We can't do anything. So I was very thankful that I gave up property management before COVID hit, because I wouldn't be bald ripping my hair out even more. So that was nice. But yeah, I, I think that if you are investing on state, don't come to me here.   Jesse (31m 46s): Yeah. Yeah. I think there's a, there's definitely a different, I mean, we're, we're very, I think our whole country safer for Alberta is, is a challenging regulatory environment. I think rent stabilization and rent control. We had a professor actually from New York city from NYU that was talking about the history of rent control and rent stabilization in New York state and then across the country. But I think for us, I'm not sure if it's the same for you, but basically we have a certain amount that we can raise every year. And they're really the only time you can raise above that is when a new tenant comes in.   I'm not sure if it's the same kind of,   Ashley (32m 20s): Yeah, we don't have that like outside of Buffalo, cause that's more like New York city, but for us, the biggest thing is like in June when all of the, the laws kind of changed and they just changed so drastically. So it used to be a three-day notice before you could file a petition for eviction, but then it changed to a 10 day notice and then it just like made the whole eviction process a lot longer, the different rules and regulations they put in and just a lot easier for tenants to get away without paying rent just a lot more loopholes and things like that.   Jesse (32m 56s): Yeah, absolutely. I think one very like a stark difference between let's just use Buffalo, for example, compared to say our market in Toronto or I mean you could go LA you could go, Boston, Buffalo has been a very, I think yields centric type of market where you, the cap rates that you can achieve around your area, probably a lot higher than the cap rates we can achieve in our area. But I think that has been at the expense of potential equity growth. So how do you look at, at that when you are doing your underwriting and just generally your philosophy of, of that trade-off between, you know, potential income as opposed to value?   Ashley (33m 36s): Yeah, so like one thing is the 50% rule in the 1% rule. So the 1% rule says that the per your, the rent that you're charging each month is 1% of the purchase price. I can hit that all day long. What I can't hit is the 50% rule where 50% of your expenses are 50% of the monthly income because the property taxes are so high too. So that's like a, not even the, the laws at all, just property taxes are so high here too. So that's been kind of another reason for me to want to go out of state for my rental portfolio, because if I buy this $20,000 property, I can pay that off very quickly or just pay for that in cash.   But I'm still paying those properties taxes every single year. And those, I just sold a property that the property, it was 20,000. I had bought it for and the property taxes were about three grand a year on it. And, but I could go upstate and I could pay maybe, you know, 50, 60,000 for that same house, but only pay a thousand dollars in property taxes. And once that property is paid off, it's only a thousand that I'm paying every year instead of 3000. So that I would say is even more of a factor to me than the, the landlord tenant laws, even.   Jesse (34m 54s): Yeah. It's funny that we would be the inverse of that. The 1% is almost impossible if not impossible, but the 50%, which is, you know, for listers, like you have a, your, whatever your expense ratio is, that's really, really what it is, you know, as a percentage. So us, I think 30 to 40% is pretty, pretty normal. It, unless it's brand new and then you can get a little bit lower, but yeah, I didn't, you know, and I didn't even think of that from a property tax perspective. That's really, I always, I, when you mentioned that, I thought it would have just been just expenses in general, not necessarily property tax.   Ashley (35m 26s): Yeah. It's, it's definitely the property tax, but we actually in Erie county, which is the county that's in Buffalo and, or surrounds it, they actually have an Excel sheet that they, every year that they just put on the county website that tells you each town and what the tax rate is for those towns. And then it compares it for you. It says, okay, if you buy a hundred thousand dollar house, this is what your taxes would be on that property. And you can go through and see, and it shows, breaks it down from like town and county.   And then if there's a village to village tax and then school tax. So what you can do is you can go through there and say, okay, these are the desirable school districts. Well, what towns border that, where you're paying that low town and county tax, but you're getting into that school district because of that little bit of overlapping. So if you guys, and anybody wants to go and look search your county, I'm sure they probably do this too. If your county does and look at that and you can see what towns have the lowest tax rate tax rates.   So the last house that I, I just did a flip and that house had super, super low property taxes. It was in a small little town and the reason it had low property taxes was because there was like a garbage dump in the area landfill. And they pay the majority of the property taxes. Well, this property was like right on the edge of the border where you're not getting any smell from the landfill. And so it was kind of like an opportunity because you get that, you know, I, that property, I also purchased for 20,000, but instead of 3000 and proper Texas, it was only $850 a year in property taxes.   Just show the difference. Yeah.   Jesse (37m 12s): Yeah. I think that's, I mean, it's pretty amazing. Like you can have properties within, you know, 45 minutes an hour from each other and just have such a drastic price difference when it comes to property tax Ashley, in terms of the way that you're looking at the market right now, and fingers crossed, hopefully we're coming out of this thing, you know, in, in the right direction, when it comes to the lockdowns and restrictions, what is, where do you see opportunities over the next few years? You know, what's, what's kind of got your interest aside, you know, aside from, from the, what we've discussed here, but what are you excited about?   Ashley (37m 47s): Well, I guess, you know, I'm trying to stay away from that shiny object centers. Talking about teenagers is bad for me, but I think there'll be a opportunity for businesses. So going after businesses that maybe are sick of the COVID regulations, or maybe they did fall behind and during COVID and they just haven't been able to catch up. So I think there'll be opportunity there. So some of the businesses I'd be interested in are not really going to be ones that were impacted by COVID, but were actually empowered by COVID.   So they actually did better. So that would be like liquor stores, which I got one of those. And unfortunately we didn't get our like liquor license until basically the shutdown was kind of over, but looking at the kind of businesses that can survive COVID I think really piques my interest that if there was another shutdown or something like that happening again, that these businesses were thriving and they still do successful anyways, even when there isn't a shutdown.   So that was like a liquor store was a big one for me. And then I also like the idea of a laundry mat or a carwash, just the, the, the ease of the cash cow from those. And then I do have some experience managing a laundromat for that, that other owner. So yeah, those are any other business opportunities   Jesse (39m 18s): Working with that. Gentlemen is the gift that keeps on giving we've. We've looked at laundromats as well. It's just one of those compelling things that even without buying the real estate there, there still is a compelling case. If you can obviously do both. That's great. But I like your point in terms of businesses that have been resilient. I mean, we've seen in our own market, you know, whether it's technology, medical, technology companies, ghost kitchens, just companies that you didn't, you couldn't foresee how much, how explosive their growth would be prior to the pandemic, obviously for, you know, nobody has a crystal ball, but that that's, we do see those companies, a big driver of, of real estate at least locally here.   And I'm sure it's, it's the case where you are.   Ashley (39m 60s): Yeah. And even with auto dealerships. So I've been in because of the same investor I've been in the auto dealership industry and they are making more money now because of the shortage of cars. So every car that they're selling, it's getting selled at invoice or above because there's no cars available because all the chips and all the parts are stuck on a ship waiting to come into the us. But they they've said that they sold they're making as much as they did, but they're selling half of what they sold before.   COVID. So they're doing less work, making the same amount of money. So it's been almost beneficial to them to, I mean, there's definitely was some hardships, especially during the shutdown and things like that, but there's the PPP programs that I think helped a lot of, of businesses. So it's very interesting to see what businesses actually have benefited from COVID and have done better.   Jesse (40m 57s): Yeah. I couldn't agree more. Well, actually, I want to be respectful of your time here. There's four questions that we ask every guest that comes on the show. So before we kind of get on how people can reach out to you, if you're game for those all, I'll start them off. What's something that, you know, now it could be in your real estate or career in general that you wish you knew when you were starting out.   Ashley (41m 19s): So, one thing that I did not know was that you could go and get a loan for an investment property. I thought you had to make a cash, but you had to buy it in cash because that's how that other investor had purchased all of his properties. So I wish that I would have known that there was other options to me then just taking on a partner and I could have explored that. And not that I, you know, made a bad decision or anything like that, but I wish I wouldn't have had that limited mindset of that. You could only buy a property in cash, and I didn't even realize creative financing and all the different ways to purchase property until I actually found bigger pockets in 2017.   So that was three years later. And then I tripled my portfolio in a year and a half after just digging into the forums and learning all these different ways, you know, seller financing and private money, all these different things.   Jesse (42m 13s): Yeah. Just, just all the different resources. The next question is, you know what, since you were on a panel for women in real estate, maybe we'll, I'll kind of tweak the question a little bit. Typically we'll ask, you know, your view, what would you give as a recommendation to younger people coming into our industry, your view on mentorship, but why don't we say from a, especially from a female point of view, younger women coming into our industry, you know, what would be your advice to them? And, and just generally, and mentorship,   Ashley (42m 41s): I think that there are some women out there who think that they are at a disadvantage being a woman in real estate, because there's so many men doing it. Don't look at it like that. It is an opportunity and it is an advantage. You are going to stand out because you are a woman. If you go and look at a property with a broker, do you think he's going to remember the 20 other men that have looked at it and know he's going to remember that one woman that came, that you know, is investing in properties.   I think there's a lot of doubts and that, you know, you're going to get scammed by contractors because you're a woman, you know, don't know what you're doing. And that's also an advantage. You know, if a contractor is going to try and scam you, because you're a woman who's going to do it right off the bat. So if he's talking down to you or things like that, then you know, not to hire him or if it's a guy and the contractor is like, okay, he probably knows what he's doing. I'm going to scan them at them or something.   But I, I think use it to your advantage. And it's an opportunity. And if you feel like, because you are a woman that you are not being taken seriously, then you're talking to the wrong people. You're talking to the wrong person because I have more friends in real estate that are men than women and not a single one of them has ever talked down to me or made me feel like I don't belong. That it's a boys club at all. If anything, I feel like I've been more welcomed because I am a woman.   There's a million other men doing what I'm doing, but there's not as many women. So it's given me an opportunity, a like up and I think take advantage of that   Jesse (44m 25s): Great advice. Okay. Is there a resource, a podcast or book that you'd like, let listeners know about that you're listening to reading   Ashley (44m 36s): The real estate rookie puck.   Jesse (44m 41s): Yeah. As well.   Ashley (44m 44s): Yeah. If there is actually a book that I love and I think that anybody who's in business or the real estate or any other business should read this because no matter what, you're going to be dealing with people, and it's a hug your haters by Jay Baer. And it's a customer service based book. And basically it talks about like, if you received negative feedback or criticism, how to deal with that, and also how to kill people with kindness. So if you are a wholesaler and you're getting, you know, sellers that are, you know, or you know, how to work with them.   And so I, it's a, it's a great read. I, it's probably the, one of the, probably the only book that I've scribbled in that much before and like taken notes and highlighted things. And so   Jesse (45m 32s): That's great that I think that's the first on the show. I've never heard of it. We'll put a link up to that as well. Awesome. All right. My favorite question, first car, make and model.   Ashley (45m 42s): It was a green Bonneville. I don't even want the makeup upon GMC or Chevy or something, but That's basically about think of a vote.   Jesse (45m 57s): Yeah, just, just in a, in a what's it called in Buffalo with a PO thing. It's Pontiac. Pontiac Bonneville. Yeah. Awesome. Awesome. Well, Ashley, for, for people that like to kind of find out what you're doing online, like I said, you have great, great presence on, on Instagram and other platforms were where's the best bless area for people to reach out.   Ashley (46m 19s): It will be on Instagram app wealth from rentals. And then we also have a real estate rookie, a YouTube channel, and then a real estate rookie, a Facebook page. You guys just searched those.   Jesse (46m 32s): My guest today has been Ashley Kurt, Ashley, thank you for being part of working capital.   Ashley (46m 36s): Thank you so much for having me.   Jesse (46m 45s): Thank you so much for listening to working capital the real estate podcast. I'm your host, Jesse for galley. If you liked the episode, head on to iTunes and leave us a five-star review and share on social media, it really helps us out. If you have any questions, feel free to reach out to me on Instagram, Jesse for galley, F R a G a L E, have a good one. Take care.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29 If over-spending is your problem, it means you're not controlling your money.Your money is controlling you. Today on MoneyWise, Rob West has some ideas about how to change that. While it's certainly true that God created everything and owns everything, it's also true that He's put each of us in charge of just a tiny portion of His holdings, and He expects us to be faithful stewards of His resources.To do that, we have to control money and not let it control us.God's word contains over 2300 verses about money and possessions and when we follow those principles, we become financially free.When we don't, we become slaves to money.It controls us.Here are Rob's key steps to getting control of the money God has given you: 1.Avoid debt. Proverbs 22:7 says, The rich rules over the poor, and the borrower is the slave of the lender. And Proverbs 21:20 tells us, Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.If you have trouble managing your credit and debit cards, stop using them. It is possible to use cash for many of your budget categories.The advantage to using cash is you can't overspend like with a credit card if you separate your cash into envelopes or categories. When an envelope is empty, you can't spend any more in that category.If you don't sneak and dig into another category, you'll still have the money you need for other things. That part is just simple math. Rob also talks about the strong psychological component to using cash. When you have to hand over actual dollars, it's much more difficult to part with them. Studies show people spend 10 to 30-percent less just by using cash instead of plastic, so it's a real help in controlling impulse spending. 2.If you already have debt, pay more than the minimum payment each month. When you pay just the minimum on your credit card, for example, a lot of that money is going toward interest only, so it will take years to pay it off.Instead, pay as much as you can above the minimum each month to get that card paid off quickly.If you have more than one card to pay off, Rob recommends paying the one with the lowest balance off first to get it out of the way, then taking what you were paying each month on that card, adding that amount to what you have to pay on the next lowest card, and pay it off in the same manner. That's called the snowball method. You'll get a quick psychological boost from paying off a card. That gives you incentive to keep going. When that's paid off, you can go on to the next card with the lowest balance and so on. 3.Avoid the lure of credit cards offering big rewards unless you already have a spending plan in place and you're already using it.Those reward points will be dwarfed by the interest payments you'll have to make if you don't pay off the entire balance each month. Many people think they won't let that happen, but then an unexpected expense comes along and the easy way out is to use the credit card.This leads to the fourth step in Rob's plan to control your money. 4.Set up an emergency fund. Rob recommends it be able to cover 3 to 6 months of living expenses. Then, when an extensive medical emergency or a job layoff pops up, you use emergency fund money to pay for it and keep you afloat. Next, Rob answers listener questions including the following: We applied for a PPP small business loan in 2020, received the money, and then applied for and were granted loan forgiveness.Are there any surprises we should be aware of on our taxes or elsewhere? I'm getting married in January, and we don't want to combine our finances until after we're married.How would you recommend we plan for the time when we DO merge our money?(Rob answers the question, but also recommends the bookMoney and Marriage God's Wayby Howard Dayton.) I'm trying to help my mom purchase her first home and may need to co-sign in order for her to qualify for a loan.I don't really have extra money to help her, so what would you recommend I do? Remember, you can call in to ask your questions 24/7 at (800) 525-7000 or email them toQuestions@MoneyWise.org. Also, visit our website atMoneyWise.orgwhere you can listen to past programs, connect with a MoneyWise Coach, and even download free, helpful resources like the free MoneyWise app. Like and follow us on Facebook at MoneyWise Media for the very latest discussion! And remember that it's your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab on our website or in our app.

Presentado por nuestros patroncitos y patroncitas PYMES: Hoy le damos primera posición al patroncito líder de los Mets de Guaynabo... Roy Chévere, agente de seguros e inversiones. Activo desde el 2009, Roy se especializa en planificar estrategias de retiro y ahorro. Si ya estás pensando en tu futuro, en tu retiro o en proteger a tu familia, Roy te puede ayudar con un plan financiero customizado para tus necesidades. Ya sea para abrir un plan KEOH, invertir en anualidades o para asegurarte por incapacidad, cáncer u otro escenario catastrófico, Roy tiene lo que necesitas. Comunicate con tu asesor financiero patroncito al 787-209-8441, 787-209-8441 --- COMO TODOS SABEMOS PUERTO RICO ESTÁ ATRAVESANDO POR UNA CRISIS FINANCIERA SIN PRECEDENTES Y EXISTE UNA LEY DE PROTECCIÓN LLAMADA LA LEY FEDERAL DE QUIEBRAS. LA OFICINA DEL LICENCIADO EDGARDO MANGUAL GONZÁLEZ ESTÁ ABIERTA Y ESTÁ ORIENTANDO POR TELEFONO DE FORMA GRATIS Y CONFIDENCIAL SOBRE LA PROTECCIÓN DE LA LEY DE QUIEBRAS LLAMANDO AL 787-753-0055. LA LEY DE QUIEBRAS ES LA ÚNICA LEY QUE OBLIGA A LOS ACREEDORES A DETENER LAS LLAMADAS DE COBRADORES, DETENER EMBARGOS Y REPOSESIONES DE AUTOS, REORGANIZAR DEUDAS Y SALVAR PROPIEDADES. LLAME AL LICENCIADO EDGARDO MANGUAL AL 753-0055 O VISITE LA PÁGINA DE INTERNET QUIEBRAS.NET. LA LEY DE QUIEBRAS ES TU DERECHO DE REORGANIZAR Y SALVAR PROPIEDADES EN ESTA CRISIS ECONÓMICA. LICENCIADO EDGARDO MANGUAL 753-0055, 753-0055, 753-0055 -- Empresarios por Puerto Rico, es una organización sin fines de lucro que representa renglones empresariales diversos de todos los tamaños, y que poseen en conglomerado un volumen de venta de más de $4,000 millones, siendo uno de los mayores aportadores a la economía local. Como sector empresarial representamos empresas de capital local, entre estos tenemos como miembros a Selectos, Econo, Coopharma, Cooperativas de Ahorro y Crédito, Los Ejecutivos Cooperativas, Droguería Betances, Ferreterias Ace, SuperMax entre otros. Anualmente hacemos una campaña que se llama “El Miércoles Naranja” que es el el día antes de ThanksGiving y dos Días antes del mal llamado “black friday”.  Conoce más en compralealdeaqui.com -- Matrix Patent Agency se dedica a preparar y radicar aplicaciones de Patentes (de Invención diría la RAE), el documento que emite el USPTO y el cual protege sus derechos sobre 'Inventos' en EE. UU. (y extensiones para protección Global). El principal de Matrix se llama Luis Figarella, PE y Agente de Patentes Registrado en el USPTO (Reg. # 58,300). Los agentes hacemos lo mismo que los abogados de patentes en lo que llamamos el “prosecution” (preparar, radicar y si, ‘negociar' con el Examinador del USPTO). Si ha pensado alguna ves proteger su ‘invento', me deja saber y vemos si se puede hacer algo o no. Desde que Matrix comenzó en el 2006, tengo sobre 115 patentes tramitadas y emitidas para mis clientes, 47 de ellas a clientes en PR. 603.557.8420 (C)  603.821.7400 (O) luis@mxpatent.com Mxpatent.com -- En este episodio extra discutimos el megaoperativo de la Policía, el estatus de la Reforma Laboral, la derrota demócrata en Virginia y un chismecito de #GuaynaboPolitics.  ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast ayer! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

The author of "Breathing Ashes: A Poetic Guide To Walking Through The Fire And Coming Out Reborn" Gregory Corbin joins Patty and the crew to discuss Americans workforce. Why are Americans refusing to return to work? Is it the PPP loan? The pandemic? Laziness? or simply Protecting their peace? Patty and the crew discuss.

This is the Idiot News Network where idiots aren't just in the news, they report the news! For Tuesday November 2nd, 2021: Incase you didn't hate Floyd Mayweather already, there's audio of something he said that will make you hate him more! Evan Jubal Fresh wants to give him a knuckle sandwich! Can Britney Spear's family members stop trying to make money off of her!? Alex Fresh reports on how her little sister Jamie Lynn Spears is still trying to extort Britney and how she failed! Everyone has an inner child but not everyone should listen to that inner child! English Evan reports on man that scammed over $50K in PPP loans for this childhood toy! Let us know what you think on social!Follow us at: @thejubalshow @jubalfresh @thatdreas @evanontheradio

Dr. Friday 0:00 Good day. I'm Dr. Friday, president of Dr. Friday Tax and Financial Firm. To get more info go to DrFriday.com. This is a one-minute moment. Dr. Friday 0:12 Employers that claim the Work Opportunity Tax Credit get welcoming ease because they've now extended it to November 8 to file for the requested work. Remember, this is a tax extension through Congress. And basically this is for people that may be kept people on, had a hardship and maybe you got PPP one and PPP two. You might even get some EDIL, but you will also qualify up to like $16,000 an employee. It's huge. So if you're an employer that has employees that work through the COVID time and you're not sure if you've taken advantage of this you need to call our firm at 615-367-0819. Announcer 0:51 You can catch the Dr. Friday call-in show live every Saturday afternoon from 2 pm to 3 pm right here on 99.7 WTN.

We're really privileged to have Cameron Mitchell, Founder and CEO of Cameron Mitchell Restaurants, the CRM Group on this episode. And he is no stranger to anyone in central Ohio. And now Cameron Mitchell Restaurants are breaking out on the national scene, with restaurants from coast to coast. We're going to hear more about his success, his origins, where it all came from, and some of the challenges that they have in the restaurant industry today. And we'll get Cameron's take on the 10 most controversial restaurant policies. Cameron Mitchell Restaurants (CMR) will be celebrating its 30th anniversary in 2022, and Mitchell has enjoyed success as a lifelong entrepreneur, accomplished businessman, culinary expert and nationally recognized restaurateur. Cameron has been a much-needed voice for the industry, pushing for PPP loan amendments for the hospitality sector, being appointed as one of 18 CEO's on Ohio Governor DeWine's Economic Recovery Task Force, collaborating with the Cleveland Clinic to create a company-wide safety protocol, writing op-eds for national hospitality trade publications, and appearing on national television representing not only CMR, but other independent restaurant companies. With an entrepreneur's energy, vision and passion, Mitchell's sights are set on the development of new restaurant concepts, and the expansion of concepts currently in his company's portfolio, particularly Ocean Prime (known in Columbus, OH, as Mitchell's Ocean Club). Plans include the continued introduction of this concept in major metropolitan markets throughout the United States. Among his service to numerous local charities and committees in Columbus, Ohio, where he lives with his family, is his dedication to The United Way, Nationwide Children's Hospital Foundation, and the Columbus State Community College Foundation. Cameron chaired the capital campaign, led by his $3.5 million donation, towards the newly opened Mitchell Hall, a $40 million, state-of-the-art Hospitality Management and Culinary Arts School at Columbus State. He is also an active member of the Young President's Gold Organization, the Columbus Partnership, and he serves on the board of directors of the charter school, KIPP Columbus. The Driving the Cbus podcast co-hosts, Scott McComb, CEO of Heartland Bank and Kailyn Bucklew (McComb), a third-generation community banker, offer two different perspectives as they sit down and get real with local business owners. From well-established companies to startups, small businesses are the heart and soul of Columbus. Tune in to find out how it all began, what keeps them up at night – the current struggles they face, and what successes they are most proud of with some entertaining stories along the way.

Presentado por Goal Zero y sus plantas eléctricas YETI que no necesitan gasolina y se pueden cargar con la luz del sol. Sobrevive los huracanes, los apagones y los papelenes con tu Goal Zero del Sobrevive Store. Llama ahora al 787.602.6001, búscalos en Facebook o visita su show room en Guaynabo, al lado del Colegio Adianez. -- También presentado por el nuevo servicio residencial de Aeronet: HomeFi. Se acabó el dupolio del internet en el hogar, ahora la conexión más fuerte llega a tu casa. Llama ahora al 787.273.4143 o visita homefi.pr, precios mensuales comienzan en $49.99. -- Este episodio es traído a ustedes en vivo y en directo desde la Cuelva del Cangrejo en el Estadio Hiram Bithorn! Estamos presentando el nuevo 'spin off', "Puestos Pa' los Cangrejeros", el podcast oficial de los Cangrejeros de Santurce del beisbol invernal. También en este episodio: el chisme dentro de la Asociación de Alcaldes, lo último en cuanto al Plan de Ajuste de la Deuda, la reunión del Jedi Council re: Mariana Noggy Nogales y la pepa negra del ELA en el Build Back Better Plan de Joe Biden. ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast el sábado! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

Presentado por Goal Zero y sus plantas eléctricas YETI que no necesitan gasolina y se pueden cargar con la luz del sol. Sobrevive los huracanes, los apagones y los papelenes con tu Goal Zero del Sobrevive Store. Llama ahora al 787.602.6001, búscalos en Facebook o visita su show room en Guaynabo, al lado del Colegio Adianez. -- También presentado por el nuevo servicio residencial de Aeronet: HomeFi. Se acabó el dupolio del internet en el hogar, ahora la conexión más fuerte llega a tu casa. Llama ahora al 787.273.4143 o visita homefi.pr, precios mensuales comienzan en $49.99. -- Este episodio es traído a ustedes en vivo y en directo desde la Cuelva del Cangrejo en el Estadio Hiram Bithorn! Estamos presentando el nuevo 'spin off', "Puestos Pa' los Cangrejeros", el podcast oficial de los Cangrejeros de Santurce del beisbol invernal. También en este episodio: el chisme dentro de la Asociación de Alcaldes, lo último en cuanto al Plan de Ajuste de la Deuda, la reunión del Jedi Council re: Mariana Noggy Nogales y la pepa negra del ELA en el Build Back Better Plan de Joe Biden. ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast el sábado! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

Korea24 – 2021.10.28. (Thursday) News Briefing: Starting next month, COVID-19 vaccine booster shots will be available for people in their 50s, those with underlying illnesses and recipients of the one-shot Johnson and Johnson vaccine. Meanwhile, the government has announced that it will create a committee tasked with extensively examining adverse reactions to COVID-19 vaccines. (Koo Hee-jin) In-Depth News Analysis (Korean Politics Digest): There was a surprise boost for People Power Party presidential hopeful Yoon Seok-youl this week, after lawmaker Ha Tae-keung joined his camp as co-chief of the election committee. Meanwhile, the re-emergence of former PPP interim leader, Kim Chong-in, the so-called ‘Kingmaker’ in Korean politics, has caused a stir in political circles. On the other side of the divide, the former Gyeonggi Province Governor, Lee Jae-myung, officially registered as the ruling Democratic Party’s presidential candidate this week. Affiliate Professor Kim Byung-joo from the Hankuk University of Foreign Studies provides his analysis on these developments, as well as his thoughts on former President Roh Tae-woo’s passing this week. Korea Trending with Jung Ye-won: 1. Two brothers, aged 16 and 18, have admitted to all charges, including the murder of their grandmother and the attempted murder of their grandfather, during their initial trial on Thursday. (잔소리하는 할머니 흉기 살해 10대 형제 "혐의 인정") 2. A professor at a local university was caught conducting an online lecture whilst taking a bath. (화상수업 중 물소리, 캠 켜지자… 욕조에 몸 담근 교수 등장했다) 3. The U.S. pharmaceutical company Merck has granted a royalty-free license for its promising COVID-19 treatment pill in an aim to give poorer countries access to the potentially life-saving drug. (머크 "'먹는 치료제' 다른 제약사 제조 허용") Explore Korea: Winter is coming… and that means in Korea that it’s time to make kimchi! This week Hannah from Moon Bear Travel joins us to tell us about kimjang, the UNESCO recognized intangible cultural heritage of making and sharing kimchi. She’ll also introduce us to the Gwangju World Kimchi Festival, which will be holding events both off- and online, as well as the Kimchikan Museum and Tongin Market. Morning Edition Preview with Mark Wilson-Choi: - Tomorrow’s Korea Times features a report by Jun Ji-hye about a recent survey that ranked Juju as the top destination for travellers with companion animals. - Tomorrow’s Korea Herald features a story by Kim Da-sol on South Korea’s Korea Forest Service(KFS) being involved in a major forestation project in Mongolia’s Gobi desert since 2007.

Joining the Deep End is Doug Ludlow, CEO of Mainstreet. Today's conversation is about the unbundling and re-bundling of the smart bank and how the 35 million small businesses in the US can benefit from aggregating their business identity data in one place.We talk about helping small businesses navigate PPP loans during COVID, discuss how startups can earn tax credits easily for things like research & development and other ways that  Mainstreet can help restore America's economy coming out of the pandemic.Doug was a particularly fascinating guest because he has spent his life between two worlds. There's the tech world, where he's been a senior employee at Google, AOL, and other iconic tech companies, and then there's the world of his upbringing: he grew up in a small, rural   USA town t where farmers have been seeing  their land get consolidated and sold off. His unique perspective led us to chat about the brain drain among US heartland cities and how the rise of remote work might enable talent to stay in more rural communities where they grew up.For full show notes, links, RSVPs to live podcast recordings and more, visit thedeepend.substack.com

Presentado por Goal Zero y sus plantas eléctricas YETI que no necesitan gasolina y se pueden cargar con la luz del sol. Sobrevive los huracanes, los apagones y los papelenes con tu Goal Zero del Sobrevive Store. Llama ahora al 787.602.6001, búscalos en Facebook o visita su show room en Guaynabo, al lado del Colegio Adianez. -- También presentado por el nuevo servicio residencial de Aeronet: HomeFi. Se acabó el dupolio del internet en el hogar, ahora la conexión más fuerte llega a tu casa. Llama ahora al 787.273.4143 o visita homefi.pr, precios mensuales comienzan en $49.99. -- [AUDIO CORREGIDO] En este episodio: Hablamos de por donde se quedó la discusión del Plan de Ajuste, los Mandamientos Nick Pastrana-JuanZaragoza y anticipamos lo que podría pasar en la vista de conferencia que ha citado la Jueza Swain. Adicionalmente, miramos el regreso de Baby Messiah Ricky y #ApoyamosAlNido Con Guillermo Guasp, Christian Sobrino y Jonathan Lebrón ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast el sábado! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP.   Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

On today's episode of Radically Pragmatic, PPI's Mosaic Economic Project brought together a panel of women to discuss the intersection of access to private capital formation for new and small businesses owned by women and particularly minority women; how the response to the pandemic (government stimulus intervention including PPP) has impacted entrepreneurs and what policies looking forward can and will make a difference in accessing private capital for women entrepreneurs. Joining Jasmine Stoughton, Project Manager of the Mosaic Economic Project is Emily Egan, a graduate of Mosaic's Women Changing Policy Working and Director of Strategic Initiatives at the Albert Lepage Center for Entrepreneurship and Innovation at Tulane University; Kim Armor, Chief Financial Officer and Managing Director at Comcast Ventures; and Emily Waldorf, Senior Vice President of Strategic Development at Comcast. Learn more about the Mosaic Economic Project here: https://www.progressivepolicy.org/project/the-mosaic-project/ Learn more about the Progressive Policy Institute here: https://www.progressivepolicy.org/

I have admired today's guest for a very long time! Kim Kashkashian is an internationally recognized and decorated violist who has worked tirelessly to broaden the range of technique, advocacy, and repertoire for the viola. Our conversation is absolutely filled with information and inspiration, including: Her musical journey and how her artistic path has unfolded, focusing heavily on conquering her fears and belief in chance (3:24) Why pursuing an objective view is essential to your growth (9:48) How Kim defines mindful practice... (11:26)  ...and how focusing on the entire production of your sound (including resonance, energy, and what you send out) maximizes your practice (12:51) Kim's suggestions to exercise expressive playing, including knowing exactly what a piece means to you by personifying the music (and letting how you transmit that message to an audience come second) (15:36) How the difference between intention and desire relates to the tension in performance (22:56) The distinction between being judgmental and making good differentiation, and the impact of each (29:55) Kim's advice to current music students on broadening your perspective, learning the language of music (separate from the craft of playing your instrument), and knowing the historical context of pieces (33:36) The doubt and resistance Kim has faced on her own journey (36:38) The importance of listening to yourself with love, knowing yourself and what you want to say, and knowing how to say it (37:50)   MORE ON KIM KASHKASHIAN: YouTube channel: https://www.youtube.com/results?search_query=kim+kashkashian+viola Facebook: https://www.facebook.com/profile.php?id=100063660876526   Kim Kashkashian, internationally recognized as a unique voice on the viola, was born of Armenian parents in Michigan. She studied the viola with Karen Tuttle and legendary violist Walter Trampler at the Peabody Conservatory of Music in Baltimore. Since fall 2000 she has taught viola and chamber music at New England Conservatory. Following Grammy Award nominations for several previous recordings, Kashkashian received a 2012 Grammy Award in the "Best Classical Instrumental Solo" category for Kurtág and Ligeti: Music for Viola, on the ECM Records label. Kashkashian's recording, with Robert Levin, of the Brahms Sonatas won the Edison Prize in 1999. Her June 2000 recording of concertos by Bartók, Eötvös and Kurtág won the 2001 Cannes Classical Award for a premiere recording by soloist with orchestra. In 2016, Kashkashian was elected a Fellow of the American Academy of Arts and Sciences. Kashkashian has worked tirelessly to broaden the range of technique, advocacy, and repertoire for the viola. A staunch proponent of contemporary music, she has developed creative relationships with György Kurtág, Krzysztof Penderecki, Alfred Schnittke, Giya Kancheli, and Arvo Pärt, and commissioned works from Peter Eötvös, Ken Ueno, Thomas Larcher, Lera Auerbach, and Tigran Mansurian. Marlboro and the Viennese school represented by her mentor, Felix Galimir, were major influences in developing her love of chamber music. Kim Kashkashian is a regular participant at the Verbier, Salzburg, Lockenhaus, Marlboro, and Ravinia festivals. She has long-standing duo partnerships with pianist Robert Levin and percussionist Robyn Schulkowsky, and played in a unique string quartet with Gidon Kremer, Daniel Phillips, and Yo-Yo Ma. As a soloist, she has appeared with the great orchestras of Berlin, London, Vienna, Milan, New York, and Cleveland, and in recital at the Metropolitan Museum of New York, Kaufmann Hall, New England Conservatory's Jordan Hall, as well as in Philadelphia, Pittsburgh, Cleveland, Frankfurt, Berlin, Paris, Athens, and Tokyo. Kashkashian's musicianship has been well represented on recordings through her association with the prestigious ECM label in a fruitful collaboration that has been continuous since 1985. Kim Kashkashian has taught in Bloomington, Indiana, and in Freiburg and Berlin, Germany, and now resides with her daughter in Boston. Kim is a founding member of Music for Food, an initiative by musicians to fight hunger in their home communities. B.M., Peabody Conservatory of Music; M.M., New School of Music Philadelphia. Viola with Walter Trampler and Karen Tuttle. Former faculty of University of Indiana and conservatories in Freiburg and Berlin, Germany.   LINKS: "Performing and Music Communication" Barbara Hannigan live in Berlin on Sarah´s Horn Hangouts: https://www.youtube.com/watch?v=0lFs1C_ewiE     PRACTICING FOR PEAK PERFORMANCE: I'm excited to tell you that Practicing for Peak Performance is now available for download! Go to MindOverFinger.com for access to all the tools that will help you transform your practice, gain confidence in your process, and start performing at your best.    With the purchase of PPP, you gain: Access to all recorded content - over 7 hours of instruction Guidance in effective high-performance systems Detailed handouts For a limited time only, a free 30-minute consultation with me. PPP alumnus Karmen Palusoo has this to say about it: “For a long time I have had this belief that learning an instrument is difficult and hard work or that it has to be, and there is no other way. Only a few weeks after PPP, I am starting to feel that change! My everyday practice sessions are now filled with freedom and ease!”   THANK YOU: A HUGE thank you to my fantastic producer, Bella Kelly, who works really hard to make this podcast as pleasant to listen to as possible for you. Most sincere thank you to composer Jim Stephenson who graciously provided the show's musical theme.  Concerto #1 for Trumpet and Chamber Orchestra – Movement 2: Allegro con Brio, performed by Jeffrey Work, trumpet, and the Lake Forest Symphony, conducted by Jim Stephenson. Thank you to pianist-singer-song-writer Louise Kelly for the introduction!  You can find out more about Kelly and her creative work by visiting louisekelly.com.    MIND OVER FINGER: As we head into this new season, I encourage you to visit MindOverFinger.com for a plethora of resources on mindful practice and information on how to work with me. Sign up for my newsletter and receive your free guide to a highly productive mindful practice using a metronome! mindoverfinger.com https://www.facebook.com/mindoverfinger/ https://www.facebook.com/groups/mindoverfinger https://www.instagram.com/mindoverfinger/

AICPA Town Hall Series – October 21, 2021 The AICPA Town Hall Series provides the latest news and updates on pressing issues facing the accounting profession. Presenters: Erik Asgeirsson, President & CEO, CPA.com Elinor Litwack, CPA, Partner, Outsourced Accounting & Advisory, GRF CPAs & Advisors Ted Ross, CEO & Co-Founder, SpyCloud Lisa Simpson, CPA, CGMA, VP, Firm Services, AICPA Steven Ursillo, CPA, CGMA, CITP, Partner, Risk Assurance & Advisory, Cherry Bekaert LLP, Past Chair IMtA Jennifer Wilson, Partner & Co-Founder, Convergence Coaching Topics: DC Update Growing CAS Opportunity Technical Guidance & Updates Cybersecurity Awareness Month: Top Risks & Dark Web  

A group of buffet concepts is accused of misusing PPP funds. Caribou Coffee wants to go national. And Toppers Pizza sets its sights on growth.

Empezamos sin plan de ajuste, terminamos de grabar sin plan de ajuste. Esperamos para nada. Te contamos el trasbastidores del drama legislativo. Además, ponemos en contexto todo lo que está ocurriendo con la UPR, Medicaid y Medicare. Hoy con el popukid Guillermito Guasp. Presentado por nuestros patroncitos PYMES --- Sabes que V Condado abrió un servicio de apartados donde puedes tener tu apartado por tan solo $9 dólares al mes! Con tan solo $9 dólares al mes podrás adquirirlo para tu uso personal o de tu negocio dándole presencia con una dirección física en Condado. (recuerda no es lo mismo Condado a otras áreas de la metro…)  Para más detalle comunícate al 787-248-411 --- Los jabones Don Gato son hechos a mano, sin químicos dañinos ni detergentes. Elaborados con los mejores aceites naturales, esenciales y aromàticos, seguros para la piel. Pruébalos y siente la diferencia. Visítalos ahora en jaboneradongato.com  y con la compra de 4 barras o más te llevas gratis una jabonera de madera, además al utilizar el código "ppp"  obtienes un 10% de descuento en tu compra. Sígelos en sus redes face book, instagram y twitter como jaboneradongato para mantenerte informado. -- NUEVO PATRONCITO! Somos una compañía netamente puertorriqueña dedicada al mantenimiento preventivo y correctivo de elevadores de cabina y para carga incluyendo modernizaciones, mejoras a la cabina e instalación, en adición para personas impedidas o para personas mayores que no puedan subir escaleras trabajamos sillas elevador en todo Puerto Rico e Islas Vírgenes. *el parafraseo puede ser “antes que otros te fallen comunícate con los expertos de IES”, te mejoramos cualquier oferta. Contacto: - info@elevadorespr.com -787-460-8100 Drex Velázquez, Project Manager -787-908-3462 Eduardo Castillo, Ventas -- Ecorganic Boutique, una empresa puertorriqueño que vende todo tipo de productos naturales y orgánicos para el hogar y para las personas, niños, niñas y mascotas. En Ecorganic encontrarás las mejores marcas, sin ingredientes tóxicos ni dañinos para el ambiente. cheque a los productos para el regreso a la escuela! Cupón de descuento para los que sintonizan PPP: 15% de descuento código: PPP Conoce sus productos ecorganicboutique.com. Síguelos en las redes sociales como Ecorganic Boutique. Gracias Ecorganic Boutique.   Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

Presentado por Goal Zero y sus plantas eléctricas YETI que no necesitan gasolina y se pueden cargar con la luz del sol. Sobrevive los huracanes, los apagones y los papelenes con tu Goal Zero del Sobrevive Store. Llama ahora al 787.602.6001, búscalos en Facebook o visita su show room en Guaynabo, al lado del Colegio Adianez. -- También presentado por el nuevo servicio residencial de Aeronet: HomeFi. Se acabó el dupolio del internet en el hogar, ahora la conexión más fuerte llega a tu casa. Llama ahora al 787.273.4143 o visita homefi.pr, precios mensuales comienzan en $49.99. -- En este episodio: los $175 en la cuenta de banco de Melinda, el acuerdo entre Junta, Ejecutivo y Legislatura sobre el Plan de Ajusta, la Marcha contra LUMA y Puestos Pa' los Cangrejeros.  ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast el sábado! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

Hollis Carter is an entrepreneur and avid skier who, after founding many companies in his career, recently became the co-founder of the Baby Bathwater Institute, a membership-based community of entrepreneurs with a focus on cultivating natural, mutually beneficial relationships. Since his business relied on many in-person events, it was quite affected by the Covid 19 pandemic and subsequent restrictions. During this time of cancellations and being stuck at home, Hollis thought of a way to add value to the members during this new situation and started to offer a series of services with a performance-based model. This model quickly grew and he ended up selling it before actually having to fully build an agency. In this interview, he talked about the process of building and growing an agency to over $4 million and then selling it, all during a pandemic. 3 Golden Nuggets Growing an agency during Covid. Before the pandemic, Hollis was organizing many in-person events. Once they were canceled because of this new situation, he realized he had a perfect opportunity to offer a new service that would offer value to members of his mastermind. There was already a business relationship and he knew their products and believed in them. So he got ready to work under a performance-based model. “It was really very simple,” he says. The offer included podcast interviews, email lists, and content sites. He spent on setting up all the automation and tracking and found someone to handle that. And of course, under this model he was working with clients, not for them. Simplifying the offer. How can you make things simpler for you? First of all, don't just take a good deal. This agency had the advantage of having a group of companies whose product they trusted. Even then, our guest says, they took people who were so product-focused that we were going to get the content and the angles they needed. People who knew they needed to be told how to market this product. They also let clients use the work they were creating and focused on the 10% that drove revenue. However, there are some things they would do differently a second time around: setting a flat fee and, instead of complicated spreadsheets just telling the client “here's the number that came in, this is our cut,” would save a lot of time. Finally, figuring out how to set expectations of timeline, having a written document with a timeline that the client can reread instead of emailing you questions. Pulling from other industries. Hollis believes in taking knowledge from other industries into your own. He makes sure to have participants from different types of businesses in his masterminds and sustains there's always nuggets that you can pull from other industry practices that might not exist in a niche that you're opening, like what he has learned about hiring from the hotel space. He encourages others to give themselves a chance step outside what they know and learn something new that they can implement in their business from an unexpected source. Sponsors and Resources Ninja Cat: Today's episode is sponsored by Ninja Cat, a digital marketing performance management platform where you can unify your data, create beautiful, insightful reports and presentations that will help you grow your business. Head over to ninjacat.io/masterclass to enjoy an exclusive offer for podcast listeners. Subscribe Apple | Spotify | iHeart Radio | Stitcher | Radio FM Growing an Agency Fast to Over $4 Million and Selling Quick Jason: [00:00:00] What's up, agency owners? Jason Swenk here. I have another amazing show guest. We're going to talk about how when COVID hit, they formed an agency and ramped it up to over $4 million and sold it, during COVID. So it's a really cool episode and you're going to enjoy my guest. So let's go ahead and get into it. Hey, Hollis. Welcome to the show. Hollis: [00:00:29] Hey, man. Thanks for having me. Jason: [00:00:30] Pleasure to have you on. So for the people that have not heard of you or met you at one of your cool events, tell us who you are and what do you guys do? Hollis: [00:00:39] Yeah. My name is Hollis Carter. Living in Boulder, Colorado, but originally from Georgia, where I kind of got my first start in internet marketing stuff. I was like early in college and built a couple of online businesses and luckily had one that did pretty well and sold that. And then I moved to Colorado and did this skiing thing for a while and, uh, living in the mountains and it was great, but I could only talk about skiing and snowboarding and mountain biking with people. So, I'm now a front ranger living in Boulder and enjoy it and got back in the mix of things. Our main business is called the Baby Bathwater Institute. You've come out to one of our events that we had at out mountain. And, uh, I started, my other businesses based on the thing that I use to learn… Like no one was really teaching relevant stuff in the late nineties, early two thousands. So to do it, I thought let's sit at the bar and a lobby at a conference and got most of my nuggets. And so when we had some free time, me and my now business partner who were lobby con buddies for like a decade… We started hosting these events and the whole idea was curating nice people who are in the grow and scale phase and the actual founders of their business. And in a lot of different industries that we could draw knowledge from different places, less of a kind of echo chamber mastermind of people doing the same thing. Cause there's a lot of value in those, but it's very linear. This was more of organic group meetings to have fun and, um, draw things from other industries and stuff. But we have agency people, we've got guys from hotels, we've got guys from e comm businesses… I guess I say people, not guys, cause we have plenty of girls too. We've been doing it for about eight years and I love it. Compared to the businesses I've done before, it's probably the dumbest business model. Cause it's overhead-intensive, time-intensive, relationship intensive. But I actually like it. So we're doing it for years and we'll probably do it for a very long time and really enjoy it. Jason: [00:02:37] Very cool. And COVID hit you guys really hard because your whole thing is about live experiences and that kind of stuff, uh, which are a lot of fun. And so tell us about like… cause we were talking a couple of weeks ago, you were like, man, I couldn't do these live events and that's really what the membership was for. So we gave all this money back to the members because we couldn't do live events. But I started an agency kind of by accident and it quickly grew. So talk about how did you grow the agency so quick? What did you do? Because a lot of people are looking at going, and I've seen a lot of growth in agencies over during COVID, but yours was really pretty, pretty good. So tell us a little bit more about that. Hollis: [00:03:18] I think it was, it was different because much of it was born out just starting that momentum sort of grew versus sitting with a very particular plan. Where Baby Bathwater came less out of need more out of want, this came out of need. And so there… Also, we are locked in our house and I could stay focused on, cause I wasn't doing… Going to conferences or traveling or doing things. But I think the main frame was okay, just postpone slash canceled, who knows a handful of events. We basically lost about two and a half million bucks in that decision. Which happened before people in the states even believed that this COVID thing was gonna affect us because our president was in Italy. And so we saw it a little early. We knew we didn't want to let people go. There was no PPP stuff yet. And me and my partner, Michael, we always knew we could always fall back on our marketing skills, which is kind of what got us to a place to even know what people wanted from a mastermind. So our personal interests has been in the health and wellness sort of space. We see lots of stuff that's crap. And we see lots of stuff that's good. And we happened to know a few people who have amazing products that are members. But they're product guys, they're not marketing people at all. And so we kind of went in with the thesis of how do we enhance the people who are already members value and we can't do anything for 'em, but also don't run any risk of screwing up the relationship if we get in bed with them and do something different than what we already have a good relationship with. So, I mean, it basically started with four products. I knew we had people in the group who had platforms. That love the products, cause they give them out at events. They love them. And I know they have a lot of traffic and I knew these people have great products. Didn't even know what I'm talking about. Like you should just set up this campaign and get them on the podcast and set up an email. You can track it with affiliate links… And all like, can you just do that for me? Kind of thing. So, I mean, it was actually super, super simple. Essentially, out of a network license for post affiliate pro so that we could track all of the clicks and conversions and build it very slowly, not a lot of overhead. It costed maybe like five grand or something we spent getting set up and all that automation and tracking. We did have a really hard time finding someone to help us run that once it worked. We ended up finding the guy who made the tutorial videos for the original version of it and tracked him down. And it was the first hire because it was complicated and how he set up the company structure. But the basics of it was we had people get podcast, email lists and content sites. I mean, people have great products that had a unique hook. It couldn't just be like, like we did have a CBD, which is a crowded market with a bunch of people at all look the same. But this had clinical trials, some studies, so I could go get functional medicine doctors to say something unique about it and they could write a real piece of content. So really we just took the friction out of the middle, which was, it's hard for the product owners to focus on these things that are ancillary. Then buy an ad that are not doing very diligent tasks that can scale these like one-off promotions and managing people is hectic. Like if I had a brand, I wouldn't want to do stuff we were doing because I know the costliness of managing all these relationships and getting it on the calendar and getting all the stuff they need. But in our unique situation, we had time. We… the money. We wanted to serve the people who we wanted to have back when things came back online. And so it made sense to keep calling them chatting and working it out and figuring it out. So our deal is that we took... it's very minimal, it's just an average, about 10% of the revenue for 12 months of the customer. And we would do a, you know, a multi-tiered campaign where, you know, perhaps the person to get on a podcast and do an interview about the product that was very educational and content-heavy. So it didn't just come out of the blue of this promotion. It was like ease into with good questions and then we'd do an article. And then eventually kind of like an email with a special offer and a landing page just for that person. And like something I've been back in early on was when one big person promotes the rest. So we usually just go for, you know, one or two people we have a good relationship that have a big audience and then their affiliates would see it happen. And we'd get a few more of those. But we did, because it was so hands-on, mess around with people who could send, you know, thousands and thousands and thousands of clicks and had an audience that already trusted them. So very boutique, very niche, but where it worked, very effective. I'd say the biggest bottleneck was calendars. You could lock in a deal and they might not have three months so they could do it. But we hit a point where we were going to have to start hiring more people, we had a tech guy, an administrative helper in an industry that me and Michael were putting together. Then we hired someone to go start recruiting more promoters, and then we need to start hiring writers and creatives. At that point, we actually ended up selling the business so that we didn't have to build an agency. The hard part of building an agency, managing the creatives, training, we never really hit that point. Although it looks like I'll go back to the trough and do it again. But I mean, really it was about that simple. It was like performance-based so we couldn't mess up relationships. And also we didn't want anyone to ever tell us, hey, you have to do this for me. Uh, it usually mostly came from the merchants with the products. They'd be like, hey, where are the traffic? And we're like, hey, we don't, we don't work for you. We're not on a retainer, but it's coming, it's coming. Then we'll get paid. Well, we only get paid when we make sales. So that helped us not get stress out. Jason: [00:09:32] Do you feel like you have to comb through mountains of data, jumping between multiple platforms to spreadsheets, to slide decks and backing in, in order to create performance reports for your clients? It's a constant drain on your agency's time and resources. And that's where our friends at Ninja Cat can help. Ninja Cat is a digital marketing performance management platform that really unifies your marketing data and empowers your agency to automate insightful, beautiful client reports that scale. Now Ninja Cat cat keeps your marketing performance and presentation tools in one place, freeing you up from manual data wrangling. And it really gives your team more time to focus on strategy and growing your business. And for a limited time, my smart agency podcast listeners will receive $500 ninja credit. When you go to ninjacat.io/masterclass to claim your offer and schedule a demo. That's ninjacat.io/masterclass. Yeah, I see a lot of people going the performance route. You know, one of our mastermind members, David, he was always constantly under the million mark and just trying to figure out how to get over it. And he switched to this model and got a million dollars last year during COVID, just from one client for the performance deal. Kind of like what you guys are doing, or you guys did or about to do again. I guess we can talk about that. But I liked how, when you're the performance model, they can't tell you what you can and can't do, or a timeline. You're just like, I'm putting a campaign together on our own dime, our own resources. This is what you're agreed to pay. I really like that. But I also like too, that, you know, this is a home run. Like it's a good product. I want people to not kind of overlook that and just don't go up to anybody and go give me 10% of all your sales. And plus too, you guys had relationships with them so you knew you could trust them. Because it gets really tricky sometimes when you're like, yeah, give me 10% of sales and they could the books however they want. Hollis: [00:11:54] Yes. So that was an interesting piece of... The one thing that I guess is there is we did have these relationships we've built over almost 20 years now. Which, if you just do it on the street, we couldn't start from scratch with that. So that was like our one… competitively used to do something here, but the book side of things, we actually knew how bad that can get. So we control that this was a bottleneck and business model, as far as administration and just workload. I kept everything clean, but we were starting to get super risky. So we invoiced the merchant for the payments and wrote to the affiliates. We did everything. So we essentially became a bank taking the money, moving the money versus paying out of their own affiliate program. It started to get pretty hectic. You get one monthly payment. We're trying to keep the relationships paying on time. We never ran into any issues, but you could see it coming as things got more complex. Jason: [00:12:52] Well, I'm sure the IRS probably set up red flags of all the money moving around. Hollis: [00:12:57] Oh, it was crazy that was passing through and yeah… And so like in hindsight, if we do this again, won't do the complicated equation where we have 12 months tail customer. We also calculated a refund risk thing. You know, now it's going to be one time upfront with a small fee for us that continues, but like the calculating the refund piece to try to mitigate risks. Like I think we went into it wanting to be like a no-brainer where it's like, hey, we've taken all the risks where X, Y, and Z, that you won't have to do anything for. Our contract is like the nicest thing in the world. If this was the only thing we were doing, and we were focused on it that thing would have sort of bit us in the ass, as it started to grow. But it worked well. It was boutique small. And we only did this from March to October. So it was like a significant period of time, but you can see all the forethought we didn't put into it with, oh man, the amount of time to calculate these things if I would've... There's a bunch of things we do if we really want to scale it simpler. If we do this again, you know. Jason: [00:14:05] What are some of the other things that you do simpler. Because most people listening here, this is their full-time gig. They weren't just looking at like, well, let's just try this project out, which that's really pretty cool that you guys are able to do that. Hollis: [00:14:19] Yeah. I think, you know… fed the horse because we had all the relationships and we knew this I'd stayed up drinking wine with every person in the thing all night. I knew we could do well with good products, which you highlighted, is like products that kind of sell themselves. And then the owner of those products, I think this is the simplest thing is don't just take a good deal. We only took people who were so product-focused that we were going to get the content and the angles we needed. All they cared about is being the best. But they didn't care about was telling us how to market it, that they actually wanted us to tell them. They would use the campaigns to inform all of the rest of their staff. One thing we did do well and make it easy was, hey, use the work we're creating. We don't need any cut of it. You can take our landing pages, reuse them. If you get your own affiliates, you can run them through your program. You know, just do that. Cause we only focused on that 10% that drove our revenue. The things we probably would have done different or not such a complicated calculation of the things. I remember when I first started in some of the affiliate stuff, people would hold back a percentage for refunds. There was like a whole equation. But we made everything else so simple for them. We didn't need to go, that… We could have just said here's a flat fee. Here's a number. Honestly, it would have saved one employee 40 hours a month in weird stuff. And in places where ambiguity… where also the customer on both sides has to read a spreadsheet that's complicated versus like here's the number that came in and here is the cut… over. I think simplicity would have helped a lot in that sense. And then other simplicity things, I think just figuring out how to set expectations of timeline. Even though we didn't work for those people, said it on the phone, in the conversations of like, hey, we might get a campaign locked in that's going to be out this far. But then they get in their own world. Like, where's the stuff? And I'm like, no, we already told you this. And so, one outline. Here's how this works, one the phone. Before you email me any questions, reread this. This is the rules of engagement and how it works. But that I would say once it worked and had momentum, changing the relationships from I work for you to we work together changed the whole dynamic of it versus, you know, just collecting a flat fee. Jason: [00:16:49] Yeah. I love that of like we work together rather than you're the dog barking orders to me. And even if you don't do a performance model. Hollis: [00:16:58] Yeah. It feels like you kind of got to do that sometimes. Cause I feel like that's how we like learned. If you worked in a restaurant going up or we… Whatever, like that's how it was. When you're getting paid, you just got to say yes, please, and as you wish. Which honestly doesn't even serve the client that well. Sometimes you're doing shit that they don't even need to get done. They just wanted to show that they tell you to do something. But we're only going to focus on brings in dollars. It doesn't bog down either of our teams. And that's why we switched the contract that you can leave whenever you want. You know, the psychology there was great because it was like, we're paying equally versus that, you know, walked into some long retainer and some big set up fees and things like that. Obviously you have to have some results for that to be worth it, um, for the relationship to stay. But if you know you can deliver on it, then it's probably better to be in a, a mutual relationship where either party can leave in 30 days notice versus trying to lock in really long-term deals. Jason: [00:17:58] Yeah, exactly. Well, awesome. Well, this is amazing, Hollis. Is there anything I didn't ask you that you think would benefit the audience listening in? Hollis: [00:18:05] Listen, I mean, it's funny just because it's a friend of mine that just got off a call with one of our members who, who set them up on like a little dinner in the same town. And I forget the book references basically it's about taking knowledge from other industries and bringing them into your own. So what I saw was great was a lot of the product companies who were here like some of them were in retail and other things. They just didn't know how to pull stuff from other areas. There's always like these levers that you can pull from other industry practices that might not exist in a niche that you're opening that you're trying to mark it as that in. And so I was really, all we did was just start reaching into other tools that there's no way they're ever going to get to this. So obviously we can take over this part for them and we're not also dealing with the dynamics. So there's someone in the house already being paid to do this or anything like that. It's pretty clean that way. But I think we just learned that from sitting in these events from people like, you know, we have some hiring stuff we've learned from guys in the hotel space, which I never would have thought to learn that until I sat into that at one of these events or whatever. So I've never seen through blinders. Like it's good to be focused and linear, but I think there's just so many cool nuggets in different industries you can pull and bring in that we all just kind of forget to take a glance at. Jason: [00:19:30] Awesome. Well, cool. Well, what's a website people go and check you guys out? Hollis: [00:19:35] Just babybathwater.com. Jason: [00:19:37] Awesome. Well, thanks so much for coming on the show. If you guys enjoyed this episode, make sure you go to their website. They have really cool events. I went to the one in, in Utah. And it was really pretty amazing. And if you guys want to really grow and scale your agency faster, what got you here is not going to get you to the next level and you need to do a number of different things. Because probably what got you to this level is from referrals and word of mouth, or maybe you selling, or maybe one salesperson. The biggest thing that you need is systems in place in order to grow and scale faster and get to the point where you can pick and choose. If you want to do that, I want you guys to check out our agency playbook. Go to jasonswenk.com/playbook and check it out. And it might just be the thing that will get you to the next level. So go do that now. And until next time, have a Swenk day.

Presentado como siempre por nuestros patroncitos y patroncitas PYME: Cuando voy a comprar ropa, siempre elijo bajo estas tres condiciones: que sea algo auténtico, de gran calidad y que no pase de moda. Y todo eso lo tienen los productos Boronea. En sus tiendas encontrarás colecciones increíbles de ropa y accesorios 100% puertorriqueños. Y atención, todos los oyentes de Puestos Pal Problema: si visitan boronea.us van a tener un 20% de descuento usando el código PPP. Así que, si están pensando qué vestir o, incluso, qué regalar en Boronea encontrarán en obsequio ideal. No lo olviden, visiten boronea.us y elijan sus productos favoritos. --- Sabes que V Condado abrió un servicio de apartados donde puedes tener tu apartado por tan solo $9 dólares al mes! Con tan solo $9 dólares al mes podrás adquirirlo para tu huso personal o de tu negocio dándole presencia con una dirección física en Condado. (recuerda no es lo mismo Condado a otras áreas de la metro…) Para más detalle comunícate al 787-248-4118 -- NUEVO PATRONCITO!!! El fisiatra “PPP” Ruben Rivera con especialidad en medicine deportiva ubicado en Caguas y Humacao. Atendemos lesiones deportivas, dolor de espalda, artritis, síndrome de túnel carpal, rehabilitación ortopédica post operatoria. Realizamos estudios electrodiagnosticos (“estudio de agujas”), inyecciones de tendones, articulaciones como rodilla, hombro y cadera guiadas por sonografía e inyecciones de plasma rico en plaquetas (PRP). Para citas se puede comunicar al 787-745-4355 en Caguas y al 787-850-7393 en Humacao. --- Los jabones Don Gato son hechos a mano, sin químicos dañinos ni detergentes. Elaborados con los mejores aceites naturales, esenciales y aromàticos, seguros para la piel. Pruébalos y siente la diferencia. Visítalos ahora en jaboneradongato.com  y con la compra de 4 barras o más te llevas gratis una jabonera de madera, además al utilizar el código "ppp"  obtienes un 10% de descuento en tu compra. Sígelos en sus redes face book, instagram y twitter como jaboneradongato para mantenerte informado. -- En este episodio: lo último en cuanto a la UPR, LUMA, los "no mention" de Jay y la ola de renuncias en el sector privado. Y, obviamente, Puestos Pa' los Cangrejeros! Los y las suscriptoras de nuestro Patreon escucharon este podcast hace más de 8 horas. Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP.  -- Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.

Randy Garutti is the CEO of Shake Shack, where he leads one of America's favorite fast-casual chains, with more than 350 locations around the world. Randy joins Adam to share his journey and best advice across a wide range of topics. Randy and Adam discuss how Randy and Danny Meyer transformed Shake Shake from a hot dog stand into a multibillion-dollar business; takeaways from navigating the PPP controversy; and lessons on leadership, success, growth, mentorship, customer centricity, hiring, and much more.

Shatner taking up space, Netflix v. interrupting employees, Bisexual Superman, Showtime's Buried & repressed memories, more Mandy Matney, and we have a Brian Laundrie list of neighbors to call.Seriously though, what happened to Tom Cruise's face? Some people are saying he caught Fat Face Syndrome like Madonna and Chrissy Teigen.Old Man Conrad made quite the first impression yesterday.Joe Biden's approval rating is low because of all those damn unvaccinated people.Superman is out of the closet.Today is National Coming Out Day. Some people are upset that Christopher Columbus Day isn't getting enough attention today.Rolling Stone Magazine HATES Eric Clapton.Adam Schefter loves his role as #2.Repressed Memories: Marc recommends Buried on Showtime. Drew remembers his dead dog. Roseanne once remembered something from when she was 6-months-old.Clay Aiken needs to play Scott Rogers in a made-for-tv movie.Joel Osteen gave back his PPP loans.Mandy Matney dropped a new episode and advertisers are starting to make it rain.Laundrie List: Dog the Bounty Hunter is currently off the Laundrie case due to injury. We learn that Trudi is a huge Dog fan. We check in with new Laundrie neighbor, Tony.Eric Church enabled Morgan Wallen.Gene Simmons almost died in a stage mishap.William Shatner continues his media tour by dominating interviews.Britney Watch: Jamie Lynn Spears has a new book coming out. Britney Spears responds by spinning. K-Fed wants it to be clear that Britney will still have NO custody of the kids when her conservatorship is over because she's a nut and unfit mother.Gina Stewart declares herself the 'Hottest Grandma in the World'.Billie Eilish made the worst Bond song possibly ever. People are upset about the ending of the latest film.Eric in the Morning is off the air after accuser #3 comes forward.Max Scherzer got drunk.Billy Idol has some new tunes out.Beaumont needs nurses. The US needs truckers.This Ferndale pastor needs to pray to God to help him stop drinking and driving.Not many stories about school shooter Tim Simpkins out there. His family tried to create a GoFundMe for him but it was shut down.Netflix employees are furious that Netflix allows Dave Chappelle content to air on their platform.Social media is dumb but we're on Facebook, Instagram and Twitter (Drew and Mike Show, Marc Fellhauer, Trudi Daniels and BranDon).

It's National Coming Out Day and Columbus Day today, so let us CELEBRATE and welcome Superman into the LGBTQIA2+ family … DC Comics has revealed that Superman is bisexual. Why is the Left attacking our superheroes? Southwest Airlines has had a very interesting weekend after having to cancel about 1,800 flights. If you ask the airline, it'll give you a different answer than some reporters are reporting. Is this because of the BLAH BLAH mandate? In Missouri a woman has filed a lawsuit against Geico, and it's not because Geico won't pay an insurance claim. Megachurch pastor Joel Osteen SHAMED into returning $4.4 million in PPP loans. Why is the church taking government money? We had Jeremy Story on the program the other day, and you heard him talk about how he got the shaft from his local school board because he tried to exercise his free speech in the prescribed manner. What did he get for his troubles? A night in the clink, that's what. Every day, you turn the news on and what do you hear? Tyranny, tyranny, and – wait for it – more tyranny. Today's Sponsors Don't settle for less than Vincero Collective. They have a collection for every look, quality you can be proud of, and a price point you can feel good about. And to make you feel even better, as a thanks for our partnership, Vincero is offering 15% off to you listeners if you go to http://vincerocollective.com/WATCHCHAD Reliefband has an exclusive offer just for my audience. If you go to http://Reliefband.com and use promo code WATCHCHAD you'll receive 20% off plus free shipping and a no questions asked 30-day money back quarantee.  Learn more about your ad choices. Visit megaphone.fm/adchoices

A good leader communicates directly and truthfully without sugarcoating.   In today's episode, co-hosts Roland Frasier and Ryan Deiss recount a recent leadership meeting of their central holding company, Scalable Equity. According to Ryan, the meeting was going “fine” until Roland “started yelling at this one guy out of nowhere.” Roland's rendition of what happened is nothing like Ryan's.   These differing perspectives caused Roland and Ryan to reevaluate things and ask some important questions like: How do you yell at people when they're screwing up? How do you talk to people at an executive leadership level vs. your subordinates? Do we need to worry about people's feelings? What's the best way to deliver uncomfortable truths?   Listen in as they tackle a hard topic head-on.   Two Sides to the Same Story Ryan gives his version of the leadership meeting first. Things were going fine. They were talking over their priorities. Then Roland started yelling about how they had goals that didn't get met, projects that didn't get finished on time. He was frustrated and let his feelings be known. Ryan said they were all frustrated, but he was still surprised that Roland came in with “guns blazing.”   Roland says Ryan's characterization isn't accurate. He felt like the meeting was all BS. Everyone was being inauthentic and pretending to be this perfect image. He was surprised that people were faking fine.   From Roland's point of view, it started with looking at one particular company's financials. They received PPP money, and have a line of credit. The company had missed its goals by a fair amount, and the current month was tracking even worse. They'd made a lot of changes, but they were using PPP money that was supposed to be sacrosanct.    Roland says there had been rumors of people complaining about variable comp, and they needed to understand they were underperforming. A company called DigitalMarketer shouldn't have a struggling marketing department.  He loves them all, but they need to fix this, and the leadership team is responsible.   He says he wasn't picking on one guy. He was talking to everyone. (He called this person after the meeting to clear things up.)    Sugarcoating vs. Being Real Roland and Ryan discuss the whole “praise in public, reprimand in private” concept. They agree that yes, you need to be careful not to damage someone reputationally by coming down on them hard in front of others. But, in a leadership meeting, you need to be able to talk directly. It's tempting to sugarcoat, but the longer you go without saying what you need to say, the harder it gets.    If you're going to talk to a person about their performance (or lack of), that should be done in private. But when you're talking about the company and saying, “Here's where we're falling down and here's where we stand as a consequence of that, and that can't continue and we all need to pull together and figure out how we're going to help correct that,” you've got to be able to have that conversation with your leadership team. They don't need to be beat up on or singled out, but they need to hear the truth and where the collective leadership is failing.   Roland said he didn't make an emotional outburst; he delivered the facts intentionally in the way he thought would convey the biggest impact. He thought about the words he was using and chose to say “marketing” instead of a person's name.   Ryan said he wished he would have known ahead of time that Roland was going to bring it up, so he could have been prepared. But he realizes that a leadership meeting is literally for discussing problems. If they're not going to meet for real talk, then why are they even meeting?    He says a leadership team can't be effective unless they can piss each other off and still move on from that. If you're hyper-obsessed with not hurting people's feelings, how will you ever get good work done?   From This Point Forward In the past, Roland would have said, “Screw those people if they don't get it. I don't care if their feelings are hurt.” But Ryan and Richard have taught him a lot about being focused on culture. He now sees the importance of hearing people and apologizing and constructive criticism.   From now on, Roland is going to talk to Richard and Ryan ahead of the meeting, then bring up negative things by saying, “I've talked to Richard and Ryan, and we've agreed this needs to be addressed.”   The company will go so much further so much faster and the praise will mean so much more when everyone is willing to be constructively critical of themselves. They need to know they're all there to improve the company and each other. Be honest when things are great, and be honest when things aren't going so well.    Let's tie a bow on this, be done with it, and get back to making money.   OUR PARTNERS: Scalable Impact Live (November 2-3, 2021) Get a free proposal from Conversion Fanatics Get 3% cash back on your ad spend with AdCard PodBean, your all-in-one podcasting solution  

Presentado por Goal Zero y sus plantas eléctricas YETI que no necesitan gasolina y se pueden cargar con la luz del sol. Sobrevive los huracanes, los apagones y los papelenes con tu Goal Zero del Sobrevive Store. Llama ahora al 787.602.6001, búscalos en Facebook o visita su show room en Guaynabo, al lado del Colegio Adianez. -- También presentado por el nuevo servicio residencial de Aeronet: HomeFi. Se acabó el dupolio del internet en el hogar, ahora la conexión más fuerte llega a tu casa. Llama ahora al 787.273.4143 o visita homefi.pr, precios mensuales comienzan en $49.99. -- En este episodio: Puestos Pa'l BSN, Puestos Pa' Tatito, #NoticieroWars y la despedida de año desde el Distrito T-Mobile para el mundo.  ¡Los y las suscriptoras de nuestro Patreon escucharon este podcast el sábado! Suscríbete en patreon.com/puestospalproblema y disfruta de una gran comunidad y beneficios exclusivos. Con Jonathan Lebrón (@SrLebron) y Luis S. Herrero (@lherrero). Sigue a PPP en Twitter, Facebook e Instagram. ¿Te gusta el podcast? ¡Déjanos 5 estrellas! Nuestro logo y camisetas fueron diseñadas por Gabriel René. Síguelo en @gabrielrodz | https://gabrielrene.com Nuestra música fue compuesta por EFFE CPR. Lo pueden seguir en todas las redes bajo E F F E CPR. Descarga su disco "Sorry por el Delay" en Spotify,Apple Music y Tidal. ¡Riega la voz! Dile a tus amigos que se pongan al día escuchando PPP. Suscríbete a nuestro Patreon y recibe contenido exclusivo, artículos: https://patreon.com/puestospalproblema See omnystudio.com/listener for privacy information.