Podcasts about progressive insurance

Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by Tropical Smoothie Cafe.➜ This episode is sponsored in-part by Progressive Insurance.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode we are yapping all about our day trip to the Brimfield Flea Market! It was a day filled with nunu nana finds, and elite people-watching. Then we dive into the deeply important story of a cat named Tofu who has a real gold tooth, GoDaddy's undying devotion to Danica Patrick, and the eternal drama of Fleetwood Mac.Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by Tropical Smoothie Cafe.This episode is sponsored in-part by Pretty Litter.➜ This episode is sponsored in-part by Thrive Market.➜ This episode is sponsored in-part by Progressive Insurance.Sources:➜ Maria Azzurra Volpe. Cat Gets $5,000 Gold Tooth-Becomes an Internet Sensation, Newsweek, 12 May 2025.➜ Mari Yamaguchi. A Man Airlifted from Japan's Mount Fuji Returns to the Slope Days Later and Is Rescued Again, AP News, 28 Apr. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this week's episode, we recap our spontaneous day trip to Washington DC and all the unexpected chaos that came with it. We dive into the bizarre story of hundreds of redheads gathering in the Netherlands for a Ginger-only celebration, and we can't stop thinking about the woman who discovered a snake in her margarita... yes, really.We contemplate using a shrink ray to ride around in a Matchbox car like it's Honey, We Shrunk Ourselves. Then we get a little philosophical discussing the Butterfly Effect and how tiny choices can lead to wild outcomes.Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored by Progressive Insurance. See if you can save on insurance at Progressive.comSources:➜ Thom Dunn. “Small Dutch Town Invaded by Gingers.” Boing Boing, 5 Sept. 2024.➜ Autumn Childress. “Snake Falls into Margarita at Virginia Restaurant, Woman Says She's Traumatized.” FOX 8, 27 Apr. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, we talk about our mission to become the best hosts in the neighborhood... if only anxiety would stop crashing the party lol. We dive into the Unclaimed Baggage 2025 report, a fascinating and kinda unhinged roundup of the bizarre (yet nunu nana) items people leave behind in lost luggage. Zach covers the story of a man who tracked down his own stolen truck and is now changing careers to become a private detective. Plus, we discuss David Archuleta being a PG-13 hottie, and Beyoncé's stunning music. You know you're homework, go listen with lyrics pulled up... why are you still reading this? We're gonna go have a gin martini with Sammich. Well Zachariah is. Jonathan will pout.Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by Liquid I.V.➜ This episode is sponsored in-part by Pretty Litter.➜ This episode is sponsored in-part by Thrive Market.➜ This episode is sponsored by Progressive Insurance. See if you can save on insurance at Progressive.comSources:➜ Mike Singletary. “The 2025 Found Report.” Unclaimed Baggage, Unclaimed Baggage, 9 Apr. 2025.➜ Heather Walker & Darcelle Hall. “Man Charts His Own Path, Drives over 800 Miles to Find Stolen Truck after He Says BSO's Investigation Took Too Long.” WSVN 7News Miami, 9 Apr. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This month's guest panelists, Marika Wiggin, Head of Strategy at Preacher and Alan Snitow, Freelance Strategist in Chicago, join our regular panel of misfits to talk about Progressive Insurance and Chick fil-A. Thanks to System1 and Tracksuit for making this new series possible. 

I got a hair transplant… let's talk about it.In this episode, Jonathan spills all the details about his recent FUE hair transplant. From the procedure and recovery, to the emotional support he found in a Guy Fieri shirt with flames on it... no but we are being for real. We're diving into what it's really like to get your hairline redone, the healing process, and what no one tells you about scalp surgery. But that's not all. As it turns out we have our own Real Housewives of New Jersey finale drama and it's all out on the table. Angry Canadian geese terrorizing a neighborhood, Patti LaBelle wants her Tupperware back from Elton John, and some thoughts on the bestselling thriller The Silent Patient... from an up and coming author?! It's a wild, chaotic ride—as always.Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by MeUndies. Get 20% off your first order, plus free shipping on orders of $75 or more, at MeUndies.com/counselors and use promo code: counselors➜ This episode is sponsored by Progressive Insurance. See if you can save on insurance at Progressive.comSources:➜ Kate Bueckert. “Ontario Students Terrorized by ‘angry' Nesting Canada Geese Can't Leave Their House.” CBC News, CBC/Radio Canada, 9 Apr. 2025.➜ Tom Skinner. “Patti Labelle Says Elton John Never Returned Her Tupperware: ‘It's Very Important to Me – I Don't Give It Out.'” NME, 8 Apr. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week we welcome the hilarious Mamrie Hart to Camp Counselors, and we cover it all! From being snubbed as a judge at the World's Ugliest Dog Competition to meeting her fiancé while working as a real-life summer camp counselor, Mamrie is bringing stories that are equal parts wild and freakin hilarious. We also dive into her iconic summer camp movie Camp Takota, and the time she went undercover on the show Bar Rescue. We're talking caviar slander, Zachariah's stressful car rental ordeal, the luxury of finding floating objects in your beverage, and so much more! Get your copy of Mamrie's cookbook All I Think About Is Food: allithinkaboutisfood.comAnd Listen to Mamrie's podcast with Grace Helbig "This Might Get Weird" wherever you listen to podcasts!Want BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored in-part by Boll & Branch Annual Spring Event. For a limited time get 20% off site-wide at bollandbranch.com/camp see site for details.➜ This episode is sponsored in-part by Liquid I.V. Go to Liquidiv.com and use code CAMP to get 20% off your first order.➜ This episode is sponsored by Progressive Insurance. See if you can save on insurance at Progressive.comSources:➜ Türkiye Today Newsroom. “‘Uncle Adem' Meets up with ‘Yaren Stork' for 14th Time.” Türkiye Today, 15 Mar. 2025.➜ Lori Dorn. “Accommodating Chicken Hatches and Raises an Abandoned Peacock as Her Own.” Laughing Squid, 10 Feb. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week we are diving into the wildest corners of the internet. From the Idiots of Facebook Marketplace group to niche communities like Theater Set Design, and the secretive upside-down-pineapple parents of Facebook. We unpack the bizarre true story of the infamous 1800s raining meat mystery in Bath County, Kentucky, yap about terrible tattoos, and the strangely wholesome Fish Doorbell from the Netherlands. Think that's it? No we somehow are STILL CHATTING. We spill the tea on seeing Sarah Snook in The Picture of Dorian Gray on Broadway, reminisce about Aly & AJ's cameo in The Sims 2, and the lasting impact of Mumford & Sons. It's a chaotic one.Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON!Sponsors:➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.comSources:➜ Ben Cost. “Sweet Treat-Loving Man Granted Dying Wish to Be Buried in a Snickers-Inspired Coffin: ‘Nuts.'” New York Post, 21 Mar. 2025.➜Marvin Bartlett. “Bath County Celebrates the Mysterious Meat Shower of 1876.” Fox 56 News Kentucky, 12 Mar. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dive into the thrilling world of American Flat Track (AFT) as Cameron Gray, AFT Director, and Bryan Smith, 2016 Grand National Champion, share their vision for the sport during EPARTRADE's 5th Annual Race Industry Week.

This week we are yapping about Zachariah's TikTok summit trip to LA, dioramas, teddy bears made out of cigarettes, an unlicensed dentist running a full-blown dental practice out of her basement, bouquet tosses, and more!Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON!Sponsors:➜ Go to PrettyLitter.com/camp to save 20% on your first order and get a free cat toy! (Terms and conditions apply. See site for details.)➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.com➜ Go to MeUndies.com/counselors and use code counselors to get 20% off your first order, plus free shipping on orders of $75 or more.➜ Go to liquidiv.com and use code CAMP at checkout to get 20% off your first order of Liquid I.V.Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories!Sources:➜ “Noida Man Turns Cigarette Butts into Teddy Bears in Viral Video, Sparking Mixed Reaction: Watch: - Times of India.” The Times of India, TOI.➜ Eyewitness News. “Long Island Woman Arrested, Accused of Working as Fake Dentist.” ABC7 New York, 17 Mar. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors TwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

With Hendrick Motorsports off to a hot start Kyle Larson proud all four drivers are near the top of the point standings. Plus Kyle Busch not ready to give his RCR team a grade yet and Denny Hamlin on how the new sponsorship deal with Progressive Insurance is good for his fans and JGR.

Robert is joined by Da'Sha for an update on the phantom speeding ticket Progressive Insurance claims to have on her. They finish up with a story about helping a older friend apply for Social Security Disability benefits. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. Email your comments about the show to Robert@bmfce.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

Grab your credit cards and act now—this deal won't last forever! This week, we're taking a nostalgic deep dive into the golden era of infomercials. From the Magic Bullet's chaotic breakfast parties to Cindy Crawford's Meaningful Beauty, we're reliving the most iconic TV sales pitches of all time. We also discuss the wonders of Wen Shampoo, the absolutely disgusting Ped Egg, the Topsy Turvy tomato planter, and the OG mineral makeup craze with BareMinerals. And, of course, no infomercial conversation is complete without the legendary daddy Billy Mays. But wait, there's more! Tune in now—operators are standing by. Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by ZocDoc. ➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ Ben Hooper. “Watch: Vienna's Vegetable Orchestra Earns World Record by Playing with Food.” UPI, UPI, 5 Mar. 2025.➜ Ben Hooper. “Pokémon-Shaped Flamin' Hot Cheeto Sells for $87,840.” UPI, UPI, 6 Mar. 2025.➜ James Robson. “This Wild Ancient Version of Soccer Has Rules like ‘no Murder' and Is Still Being Played Today.” AP News, Aciated Press, 7 Mar. 2025. Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

Grab your credit cards and act now—this deal won't last forever! This week, we're taking a nostalgic deep dive into the golden era of infomercials. From the Magic Bullet's chaotic breakfast parties to Cindy Crawford's Meaningful Beauty, we're reliving the most iconic TV sales pitches of all time. We also discuss the wonders of Wen Shampoo, the absolutely disgusting Ped Egg, the Topsy Turvy tomato planter, and the OG mineral makeup craze with BareMinerals. And, of course, no infomercial conversation is complete without the legendary daddy Billy Mays. But wait, there's more! Tune in now—operators are standing by.Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by ZocDoc. ➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.comCheck out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories!Sources:➜ Ben Hooper. “Watch: Vienna's Vegetable Orchestra Earns World Record by Playing with Food.” UPI, UPI, 5 Mar. 2025.➜ Ben Hooper. “Pokémon-Shaped Flamin' Hot Cheeto Sells for $87,840.” UPI, UPI, 6 Mar. 2025.➜ James Robson. “This Wild Ancient Version of Soccer Has Rules like ‘no Murder' and Is Still Being Played Today.” AP News, Aciated Press, 7 Mar. 2025.Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret MixtapeSocial Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week, Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by Boll and Branch. ➜ This episode is sponsored by MeUndies. Get 20% off your first order, plus free shipping on orders of $75 or more, at MeUndies.com/counselors, enter promo code: counselors➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

Register here for the live online event to learn about ‘Cleveland's Amazing Cash Flow Opportunities on Thursday, 3/20. Keith discusses the current state of the real estate market, highlighting that single-family rents have risen 41% since pre-pandemic times, while multi-family rents have increased by 26%. Single-family rents have been rising faster than prices for nine months, benefiting investors.  Austin, Texas, is an example of how increased supply can lower rents, as seen in their drop in rents after the city relaxed building regulations.  Real estate strategy expert, Phil, joins us and explains how this niche method can offer high leverage and cash flow. Show Notes: GetRichEducation.com/544 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold, build it and rents will fall. I discuss the direction of rents and prices. Then a real estate strategy for all time that can generate 8x leverage with investor cash flow and the exact city that could be the most advantageous for it today on get rich education.    since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from elizabeth new jersey to Elizabeth, Colorado and across 188 nations worldwide. I'm Keith Weinhold, get rich education, founder, Forbes real estate council member, Best Selling Author and long time real estate investor, you are inside, get rich education. What's that all really mean? Ah, I'm just another slack jod and snaggletooth podcaster.nationally, rents for single family homes are growing faster than for multi family apartments. Okay, that you might have already known, because for a few years, we've been in this era where available single family rentals are scarce and apartments are closer to being adequately supplied across the nation. We're now at the point where median single family home rents are up 41% since those blissful and Halcyon pre pandemic days, and yet, multifam rents are up just 26% since that time. So it's 41 versus 26 and that's all according to a new report from Zillow. Now you probably listen to this show every week, so although that might be a helpful update, you probably don't find those facts surprising at all. But here's a more nascent trend that could surprise you. Every single month for the past nine months now, single family rents have risen faster than single family prices. Yeah, the John Burns home value index is up 3.3% annually, and the rent index shows that those rents are up 3.6% so 3.6 versus 3.3 really not a big gap there, but single family rents rising faster than prices for nine months. You know that's exactly what swings things into your favor as a real estate investor, it increases your ratio of rent income to purchase price. This has been happening because for someone that needs housing out there, paying rent has looked more affordable than buying a home. So then those things have to soon come back into balance. Now you remember that five months ago, I visited Austin, Texas, walked the streets and with all of the new building of apartment towers there, I called it America's oversupply, ground zero for apartments. Well, I'm not sure if you've noticed, but here, a few months later, major media sources are now reporting on the same thing that I was telling you about on the ground five months ago, and this is really insightful for real estate investors in a real world case study that will be on every intro to economics syllabus this fall, rents in Austin, Texas plunged. They fell 22% from their peak a couple years ago after the city accelerated permitting processes and scaled back the rules on building height, and this is exactly what created Austin's apartment supply surplus and therefore lower prices for renters. Bloomberg was the one recently reporting on this. So Austin's, if you build it, rents will fall mantra that created about 50,000 new units over just the past two years, a 14% increase. I mean, that is the biggest spike in supply of any US city. Over that time, just tons of cranes in the air. And by the way, the median asking rent in Austin, Texas is now $1,400 remarkably, though, that is down a full 400 bucks from the height of the pandemic. I mean, that is such an aberration That is so weird and rare. Yeah, Austin rents dropped from $1,800 down to $1,400 in in fact, that is so weird, and they've fallen so much that notoriously pricey Austin is no longer the most expensive city in Texas. It's now DFW. And you know, this is astounding on a few levels, because typically rents are even more stable than home prices. Gosh, but now to take off our investor hat for just a minute. Don't worry, we'll put it right back on. This is what society needs. I mean, how in the world are we the nation that put a man on the moon in 1969 yet we can't house our own people today. It's what I've discussed before. We need to build more. If you build it, rents will fall. If you build it, home, prices will become affordable. Again, we're not doing enough of that. Not enough places are following Austin's model. Up zoning, as I've told you before, up zoning. That's the name for allowing taller building heights. And you know what? That's something that both developers and environmentalists often like. Both types developers get what they want, and environmentalists know that housing and the economics of that are more efficient. There's less energy use in everything when we build up and we build apartments rather than single family homes, Austin relaxed regulations and they got it done. So congrats to them. I mean, that is a model for what we can do to address not only housing affordability, but the swelling homelessness problem like I enjoy talking about as well. So yeah, congrats, Austin, though you might have gotten too far ahead of your growth for the short term. America really needs the housing so thank you.    Now here's some ominous news for society and the economy. I wouldn't make too much of it yet, but the Atlanta Fed tracker has plunged. They're now forecasting a shrinking economy this quarter, minus one and a half percent. GDP is a projection which that gets us going down into recession territory, and part of the reason for that is this recent drag in consumption. But news like that can come and go, and we all know how frightfully just laughably bad recession predictions have been for years. We haven't had one in five years. So I want you to get the longer term lesson here, because things pop up like this over time. What usually happens to real estate in a recession? Because we know that there's going to be one. No one knows when. What happens is that unemployment rises. That is bad, home prices go up. Yes, home prices typically rise modestly in a recession. Just remember, since World War Two, home prices only fell significantly in one period, and it was a bad one in those years around 2008 what happens to interest rates? Interest rates of all kinds. In a recession, they fall. Interest rates fall. The Fed make sure that happens, and the reason for that is rates fall because the economy needs the help to review what you've learned so far today, single family rents are rising faster than apartment rents. Single Family rents are rising faster than single family home prices, although not by much. And Austin is proof that if you build it, prices will fall. And during recessions, residential real estate is a good place to be. Then let's say it's a widespread job loss recession as we pivot into the core content of today's show, you're probably quite familiar with the turnkey real estate investing model, where ideally on day one of your property ownership, your income property is either new or renovated. There's a tenant in it. It's under management, and you might even get a little trickle of tenant rent at the closing table. All right, but instead, what if you had six months of patience you own the property for those months through the renovation, and what's your reward for doing that? It is both high leverage and high cash. Flow, potentially, and usually those notions are antagonistic. High leverage means low cash flow and vice versa, but not with what we're talking about today, my expert guest and I discuss how you can have both the cash flow, which is like your spending money, and the leverage that constitutes your long term wealth growth, and he has bought, renovated and sold more than 2000 properties. And my guest and I go back more than 10 years before I go to break where you hear who sponsored the show this week, I have a trivia question for you, and you'll see what this has to do with our episode soon enough, Ohio has six cities with a population of 100,000 or more. Name them. Name those six Ohio cities. I'll give you your answer later. I'm Keith Weinhold. You're listening to get rich education.   You know what's crazy, your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text, family to 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,    hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation, because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com, that's Ridge lendinggroup.com.    Richard Duncan  12:46   This is Richard Duncan, publisher and macro watch, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  13:02   We were last graced with the presence of this week's guest about two and a half years ago. Since then, we had dinner together in Boston. He is a long time experience expert in the real estate BRRRR strategy will explain, and he knows just the exact few markets where the strategy really works and where it doesn't, and he explains how this can deeply accelerate your ROI and your portfolio growth and get this he's been a real estate investor since he bought his first rental property in 1978 he's been working the burst strategy and mentoring others on it since before there even was a burr acronym, brrr, he has mentored and coached more than 5000 investors. Oh, it's great, Phil, welcome back onto the show.   Phil Alexander  13:54   Keith. Thanks so much. It's such a pleasure to be here. It's always great to see you, and the time really flew from when we were able to break bread together in Boston, which is my hometown. And as I recall, we went to America's oldest restaurant, the union Oyster House, which was a fun experience   Keith Weinhold  14:14   right, where there are lobsters crawling all over the place. Yeah, that was a cool distinction to meet with you in America's oldest restaurant there in Boston. Pretty unforgettable. Phil, though you're from Boston, well, that's not really where the cash flowing numbers work so much you're an expert in the art of the BRRRR  the real estate, buy, rehab, rent, refinance and repeat strategy, and then we'll discuss the market that you say is number one in the USA for this so really high level, big picture. For those that don't know, what is the burr strategy? What makes it so compelling?   Phil Alexander  14:55   There are a lot of different ways Keith to discuss the burr. Strategy. It really is nothing more than a turnkey property. However, in the old days, I'll say, you know, I've been in the business for over two decades, we would sell turnkey properties, and a buyer or investor would come to us, and we'd show them a number of properties that were available. They'd pick one, we'd renovate it, and then they would have it inspected, and then we would correct against that ugly inspection report, and then they probably would be using leverage, so there'd be an appraisal, and then we'd put a qualified tenant in place. And after all that had happened, we would close on the property, and they'd be cash flowing from day one. There's nothing wrong with that approach and strategy. It's very conservative, but relative to the burst strategy, Keith The one big element that's missing in the classic turnkey model, there's no built in equity. And what the burst strategy does is it allows the investor to create value through that renovation, and it's nothing more really than a developer himself or herself does when they renovate the property to create value, and in doing so, you then wait a prescribed period of time, often called a seasoning period, and then you do a cash out refi to pull out that built in equity that you created yourself. And the idea then is to recycle that cash and buy into your next property.   Keith Weinhold  16:35   Why don't you give us a real example with some numbers?    Phil Alexander  16:40   Let's say you could find a place. Now, anybody in California is going to listen to this say this doesn't happen because you can't buy houses for this. But trust me, you can't. You buy a house for $60,000 you renovate it for $40,000 that means you have $100,000 invested in that property. However, you bought that house because you knew, once renovated, it was likely to be worth, let's say, conservatively, 120,000 and yet, when you go and do the cash out refi often at six months from the time you acquired the property in the first place, you're going to be able to pull out up to 75% of that appraised value. I'll do the math for you quickly. 75% of that $120,000 is $90,000 you only put 100,000 into the property in the first place. So at a glance, that suggests that you've gotten this property for $10,000 Well, to be fair, you do have closing costs. So let's say the closing costs and the finance fees on that cash out refi loan are about $5,000 so in essence, for $15,000 you now own a property worth 120,000 now an illustration of the value of this BRRRR strategy is if you were to go and buy that very same house, 420,000 renovated, tenanted, cash flowing, it would cost you 20% down, which would be $24,000 plus finance fees and closing costs would push it to or over $30,000 here's the bottom line. Would you rather get it so it's cash flowing from day one after closing, no built in equity and 30 or $32,000 out of pocket? Or would you rather get it where you only have 15,000 out of pocket? And I can do the math on that and tell you that you're more than doubling your cash on cash return with the BRRRR strategy   Keith Weinhold  19:07    yes, and you've also increased your leverage ratio in the example that you gave after waiting six months, much of which includes waiting for that rehab to take place, you have A 120k property. Like you said, you only have 10k into it. Maybe add five more K to that for closing costs and such. So you've got 15k into a 120k property. That is an eight to one leverage ratio,   Phil Alexander  19:33   exactly. And there are numerous other examples, typically speaking, Keith in good investor advantaged markets with the burst strategy. You can expect after leverage, after that, cash out refinance loan to be netted in the range of 200 to $250 per month cash flow. That's the rental property the. Less all of the direct expenses, less your monthly payment on the loan. Your net positive cash flow every month is between 202 150 in most good markets,   Keith Weinhold  20:13   that is really good on a single family home, because typically when you have a higher leverage ratio, when you're borrowing more, that really crunches your cash flow. But in this terrific example that you gave, it does not So Phil to help distinguish the burr strategy from an investor buying a turnkey property. To make that distinction, I think of the turnkey provider is really already doing the first three letters of the BRRRR acronym for you, because the turnkey company, they buy it, they rehab it, and they rent it before selling it to you. They're doing the first three for you here, when you hang around for all five letters of the acronym, you can be the beneficiary of what you just described.    Phil Alexander  20:58   Spot on, Keith, that's exactly right. The bottom line is, I think a game changer for our company of late is that we have found a market where you could earn two to three times the net positive cash flow on a monthly basis with the BRRRR strategy.    Keith Weinhold  21:19   Yes, we're going to get into just where that market is, the number one market in the USA for the burr strategy, in Phil's opinion. But Phil, I think before some people wrap their head around the BRRRR strategy, sometimes they consider the investor doing this themselves. What's intimidating about doing BRRRR by yourself is that first R in the burr strategy, the rehab, it seems like a nightmare, especially across state lines for an investor to find and retain and to manage contractors, but you have a system where this is all integrated.   Phil Alexander  21:57   exactly, you Know, Keith, I consider the two biggest pain points for an early investor is actually that first letter the B. You can buy properties anywhere, but the trick and the key is to buy a property that you know, with proper renovation of a rental standard, in fact, will be worth, generally, 20 to 30% more than your out of pocket cost. The second pain point is the construction component, finding a contractor, managing a contractor, keeping the contractor on the job and productive and not running away with your money.   Keith Weinhold  22:44   We make you lose faith in humanity. Yeah,   Phil Alexander  22:48   yeah. We don't really even need to go into detail more on that, but you're absolutely right, and what we do, which I think has made a significant difference, we have our own crews. We're able to have the projects managed. We have detailed scopes of work, for example, that detail line by line, item by item, the scope of work and the draw schedule to renovate a property and deliver it on time, on budget, without exception,   Keith Weinhold  23:21   tell us about the track record of the team in the contractors. I think most people's bad experience starts with day one, when the contractor shows up 45 minutes late with beer on their breath.   Phil Alexander  23:35   It could be, it could be, I am blessed. Currently, I'm active in three markets, although during my career, I've worked in 19 different markets around the country, not become fickle, but because markets do come and go. But I'm in Baltimore and Philadelphia and Cleveland right now, and the bottom line is that I have cruise boots on the ground in every market, and my one general contractor that oversees all three markets, he's been with me for over 15 years. As you mentioned earlier, I've been in the business for over two decades. We've just been doing this, like you said, since before there was an acronym to what we were doing. It's just a sensible thing to do. We know each other well. We get the scope of work done accordingly. That's something that we, with pride, say is a guaranteed number, which you don't often find in this business. Meaning if we have not gotten it right, if we have screwed it up, if we find something that we missed when we were, you know, reviewing the house and drawing together the scope of work, that's not the client's problem. That's our problem. If we say the rehab is 50,000 the rehab is 50,000 period there is no cost overrun.   Keith Weinhold  24:58   We don't want. Contractors smelling like Michelob Ultra we want contractors smelling like sawdust and WD 40. But Phil, you talked about the specific markets that you work in because they're burr advantage markets, Cleveland, Philadelphia and Baltimore. Tell us about the one that is number one in the nation right now, and why   Phil Alexander  25:21   Cleveland, Ohio. And it's not because my dad was from Cleveland. When we were kids, we all played I haven't met one person who hasn't on a seesaw, if you recall, you know, and now in your mind's eye, imagine the seesaw. One end is home prices and the other end is annual return. When the home prices are high, the returns are low. When the home prices are lower, the returns are higher. That's why, sadly, for virtually everybody on the West Coast, my hometown of Boston, New York, Washington, DC, South Florida. These are amongst, to put it bluntly, the worst markets in the country to try and cash flow positive. What makes Cleveland, however, especially unique. I'm oversimplifying, perhaps, but it is blessed to have both lower home prices than most markets, but very healthy real world rents, and that's a juxtaposition that causes extreme cash flows. I think at the current moment, I might have one property that doesn't cash flow 500 or more dollars per month, net positive cash flow, as we were discussing, 200 to 250 is normal for a good market, even in my other markets of Baltimore and Philadelphia. But you come to a market like Cleveland, and it's absolutely extraordinary. This is a perfect segue, if you'll allow me to the thing that makes us and me different. There's a billionaire car dealer by the name of herb chambers in Boston. In fact, he just sold, I understand his business for $1.58 billion massive car dealer. That's not important. What is important is his whole marketing mantra, Keith, is I don't sell you cars. I help you acquire your next vehicle. I don't just sell investors houses, Keith, I have taken an approach, and I've been doing this for a number of years, where I help investors achieve their goals. I have a very specific process, and I'd be happy to share, if you'll allow me, yeah, I first ask people about their war chest. To me, that's the amount of liquid capital they have to invest when they're ready to pull the trigger. It's not just cash in the bank. It can be equity in a home that they can pull out with a home equity line of credit, a HELOC, maybe they have a retirement account that they're able to borrow against. It's their money, after all, but that amount of cash is your war chest, and frankly, I'm not one of those people who says, You can buy real estate with no money, if you have maybe $30,000 or more, I can get you in the game. The second question I ask is, what's your goal? Because every one of us in this business has a goal. Every one of us, I don't need to know the specific goal. But whether it's to have your partner give up the nine to five job, or you want to give up the 90 to five job yourself, every goal has a cost. So what I seek to find out or learn is, what is your number in terms of a goal, how many 1000s of dollars of passive income every month are you looking to achieve? And then the last question is, time frame? Are you looking to achieve that goal in? What three years, five years, 10 years. And then, simply put, whatever the answers are, I show you how it's going to happen.   Keith Weinhold  29:18    See, these are the types of questions that your everyday realtor just doesn't ask you. I mean, Phil doesn't just sell you houses. He helps you achieve your stated goals for passive income. There's nothing wrong with an everyday realtor, but that's just not the lane that 98% of them are in. And what makes this burr strategy so compelling? I'm just doing calculations, not even on the back of a napkin, but in my head here, if you've got eight to one leverage, like we do in the example here, even if you have 3% annual appreciation on a property, that's a 24% return on the 15k of skin in the game that you have here. And then additionally, if you achieve $500 Dollars of monthly cash flow once your burr property is done, that's $6,000 a year divided by only 15k of skin in the game. That's a 40 or 40% cash on cash return in addition to the leverage depreciation that stepped up. And these are two of only five ways you're paid. This is why people love the burr strategy, if you've got the patience to wait six months,   Phil Alexander  30:25   here's the other thing too. A lot of people say, Is it possible to cash out earlier? And the answer actually is yes, but you have to be prepared to decide what's that worth to you. Meaning, if you wait six months, you can expect 75% of the appraised value. However, I have some lenders that I can introduce that will do a DSCR loan, debt service coverage ratio loan, which is against the cash flow capability of the house rather than the credit worthiness of the borrower, and they'll do it at three months, and yet it'll be at 65% perhaps of the appraised value, a lower loan to value or LTV. But still, it's a cool way to roll plain and simple.    Keith Weinhold  31:18   Yes, so Phil, here, he offers you total solutions. It's not just helping you with the Property selection, it's renovation by his license, then insured crews, introductions to the financing needs that you might have hash out, refinance introductions and that all important professional property management, unless you choose to manage the property yourself. And Phil, I want to ask you more about Cleveland and just the neighborhoods that you're selecting in a moment, but I've got great news here. You get to join Phil live. He and a GRE investment coach are co hosting Cleveland's amazing cash flow opportunity with the burr strategy, and you can join from the comfort of your own home. It is just 10 days from today, Thursday, March 20, at 8pm Eastern. Registration is open now at GRE webinars.com I suggest you register. We had hundreds of registrants for our last BRRRR event, which was last year. But Phil, tell us more about what you'll let us know on that webinar when it comes to Cleveland areas and neighborhoods.   Phil Alexander  32:26   Sure thing Keith, Cleveland's a pretty dynamic and interesting town. Of course, most people know it's the home of the rock and roll, Hall of Cleveland rocks and Exactly. And there are so many things about Cleveland that I think are really kind of cool to get to know. First of all, we talk or you mentioned appreciation, home price appreciation in Cleveland last year, 7% Yeah, crazy, absolutely crazy. The cost of living is well below the national average, it's at 6% below. Now here's the interesting thing, too, the rent to own ratio of people who rent versus own, very strong 59% rent. And of course, if you're a landlord, what does that mean? It means a greater opportunity to have qualified tenants in place with very low vacancy periods regardless. Now the average rent is $1,433 a month, which, again, when you're talking about properties, the average price of which, even with the renovation, is between 100 and 130,000 let's say 14 133 is even ahead of that cool little metric that we sometimes call the 1% rule, where the rent is at or above 1% of the value of The property. It's a small city only about 360,000 people the metro area, of course, a bit larger, at 1.7 million. And there are a number of top employers, and you know, the Cleveland Clinic, obviously well known Progressive Insurance. Love their ads. Sherwin Williams, you think about that the next time you want to go paint, but it's as to where we're investing principally we target Keith. What often are called C and C plus neighborhoods this week, yeah, often on the eastern, southeastern side of the downtown. Of course, to the north, you've got Lake Erie, so you don't want to get wet, so that you stay east, west or south. And yet, there are a number of places, maybe areas, if you're familiar with Cleveland, like Shaker Heights, Maple Heights, Brooklyn Heights, Cleveland. Heights, University Heights, all of these areas are considered suburbs with high taxes, uniquely so we tend to stay away from those, but in close proximity, we're all around them, and we benefit in terms of appreciation by being all around them, but not being in them, because you don't achieve any higher rent in those suburbs, but you do have the higher taxes, and in that respect, we're able to enjoy these outsized returns.    Keith Weinhold  35:37   This is a rare opportunity for you to meet Phil, someone with this wealth of experience. And of course, the benefit of showing up live, if you so choose, is you can ask a question yourself and have it answered. Phil, do you have any last thoughts overall with anything, whether that's the burr strategy or Cleveland itself, or anything else?   Phil Alexander  36:00    First of all, a lot of people ask me, Keith, you know, with rates mortgages and this and that, what do you think I heard? Maybe they're going to go down in the spring or the summer? Should I wait? The answer is no, the best time to invest is yesterday, and you will always be able, in a market like Cleveland, for example, to enjoy strong, positive cash flow. And you know something, as I said before, I've worked in 19 different markets. As soon as Cleveland stops being such a cash cow, I guess I'll have to move on and find the next great thing. But until then, I'm in Cleveland.    Keith Weinhold  36:40   It is supply demand. Our listeners know, as I've shared with them, that the Northeast in the Midwest are under built markets. So you have the opportunity to own an asset that everyone is going to want in the future. It ought to be great. Phil, it should be terrific 10 days from now. Thanks so much for coming on to the show.   Phil Alexander  37:01    It's my extreme pleasure, Keith, I have to say, in all the years that I've known you and known your listeners, they are easily amongst the best educated and most serious investors I have the pleasure to deal with. So it's always a pleasure to come back and thank you for having me.    Keith Weinhold  37:19   That's really kind. Thanks for saying that.   Yeah, excellent. BRRRR. Breakdown from Phil the consummate expert. In fact, when we had dinner at America's oldest restaurant, we sat just across from JFK, his favorite booth. He used to dine there. He was also a Bostonian. Of course, which six Ohio cities have a population of more than 100,000 people? They are Akron, Cincinnati, then, of course, the subject of today's show and our upcoming live event, Cleveland. Also Columbus, Dayton and Toledo of all 50 states, Ohio has tons of industry diversity. They had the nation's seventh largest population, and Ohio's population is slowly growing. A number of GRE buyers, just like you, have already connected with our investment coaching, so therefore you got the introduction to Phil and have already bought BRRRR through Phil, including in Cleveland, but he is sourcing more of them for this event. Phil and I looked at some Cleveland single family rental pro formas together that utilized the burr strategy that cash flow over $600 even two properties that cash flow over $700 but I would say those results are not typical. The ARVs after repair values have been pretty good. What Phil does is he runs comps of properties within a quarter mile before the appraisal. And you know, to give you a little behind the scenes. He bought the same software that lenders use to run valuation reports. So he has it himself. Phil has shown me proformas where you get cash back at closing, and therefore what that means are infinite returns. Though that's not an expectation that you should have, though it's nice when it happens, people are often buying two or three properties at a time. And to give you a little more, behind the scenes, Phil has his own in house wholesale unit for helping source these properties. And for every 100 properties, he buys two to five of them, Cleveland rocks. But even if you're more into rep, it's completely free to sign up for our webinar. You'll learn the nuances of what makes the burr strategy so lucrative, what makes Cleveland advantageous, and have any of your questions answered. It's coming up next week, already, March 20, at 8pm Eastern. I mean, this is the kind of event that can alter the trajectory of your entire investor life. Sign up is open. Save your spot now at GRE webinars.com that's GRE webinars.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  40:20   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively. You   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Megan graduated from Marquette University with a liberal arts double major in Spanish and English and earned a minor in Philosophy. As an AFS student she attended the University of Sevilla and went on to attend the University of Madrid, Spain her junior year of college. Her continuing desire to learn about other cultures and ways of life and to delve in completely through the language lead her to serve in the Peace Corps in Thailand from 1992-1994. During her 2 ½ years of service, Megan traveled to Calcutta, India to work with Mother Teresa. Megan adds, “I have always had a desire to serve, to know and understand others of different walks, backgrounds, and cultures.  When I was young, I had a particular desire within me to give back to others and to learn from them as well.  Mother Teresa was a very big example and role model to me.  My experience observing Mother Teresa and serving the beautiful people in her homes who were either dying, diseased or sick physically and/or mentally had a major impact on my life as well as did the people I served in Thailand.”Once back in the U.S. Megan was a pioneer on the Internet Team at Progressive Insurance, obtaining 3 patents.In 2006, Megan's 6-year-old daughter, Maria, was diagnosed with a deadly brain tumor with no hopeful treatment or cure. Maria was given 10 months to live and succumbed to the disease a year later after finishing her first grade year. Inspired by her daughter's battle with the disease and the tremendous love that Maria had for her fellow friends suffering from cancer, Megan co-founded the Prayers from Maria Foundation with her husband Ed in 2006 with a mission to put childhood cancer at the forefront of the battle against cancer.Megan and her husband Ed live in Cleveland, Ohio with Maria's four brothers- Eddie, Aidan, Blake and Josh. 

This week, we're joined by the hilariously haunted Roz Hernandez for a supernatural good time! We chat all things ghosts, gay cruises, bad communicators, Judy Garland, and more! Plus, Roz weighs in on the ever-divisive screentime discourse. Get Merch: campcounselorspodcast.com/merchSTRIP MALL TEASE TOUR TICKETS: https://linktr.ee/zzzachariahWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by Factor. Get started at FactorMeals.com/FactorPodcast and use code FACTORPODCAST to get 50% off your first box plus free shipping. ➜ This episode is sponsored by MeUndies. Get 20% off your first order, plus free shipping on orders of $75 or more, at MeUndies.com/counselors, enter promo code: counselors➜ This episode is sponsored by Progressive Insurance. Try it today at Progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ Dawn Sawyer. “‘Cake Bandit' Opossum Hospitalized after Indulging in an Entire Costco Cake.” CNN, Cable News Network, 16 Feb. 2025.➜ Jack Guy & Lisa Klaassen. “Thieves Bought a Winning Lottery Ticket with a Stolen Credit Card. Its Owner Has Offered to Split the Jackpot.” CNN, Cable News Network, 25 Feb. 2025. Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

Campers, gather ‘round—we've unearthed a true relic! While digging around Camp Shady Birch, we stumbled upon a long-lost time capsule: a cassette tape buried inside a shoebox. And what was on it? This very episode (original air date: June 28, 2023) Take a trip back in time with us as we revisit our thoughts on childhood Field Days (and those infamous participation awards), Zachariah's Cruel Intentions obsession, the wild tale of seven Persian cats inheriting a mansion, and our mutual disdain for generic birthday gifts. Plus, plenty more nostalgic nonsense that only the Camp Counselors (and Sammich) could bring you. Press play and let's rewind! Get Merch: campcounselorspodcast.com/merchWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by Progressive Insurance. See if you can save on car insurance at progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ “Make Way for Memphis's Penthouse Ducklings.” BostonGlobe, 27 Oct. 2022.➜ Natalie O'Neill. “Florida Woman Leaves $2.5m Mansion and Inheritance - to 7 Cats.” New York Post, 21 June 2023. Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

Robert and Da'Sha talk about her experience with Progressive Insurance after they claimed to have received an inaccurate report from LexisNexis. Calls to LexisNexis suggest they have the correct information on the driver report, so what went wrong and why are we paying higher auto insurance premiums? We need listener feedback because this can't be the first time Progressive or other auto insurers have screwed this up. Email your comments about the show to Robert@bmfce.com. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com.

Welcome to an all-new Carolina Reeper show! This episode is going to be like Parent Shaming at a Sesame Street Birthday Party while the planet Saturn circles the Celestial Night Sky at a Sonic Award Show!Did you watch the Grammys? Me neither, but we've got some highlights & lowlights to discuss.Did you see Saturn next to the moon the other night? Did you see the rings?Did you know Elmo had a birthday? How old is he?How was your Groundhog Day? We'll get into all of that...Plus, why does Dr. Rick from the Progressive Insurance commercials make me so mad? And a question for you: Are you turning into one of your parents? If so which one?Have you got your tickets yet for my comedy special filming on Saturday, February 8th in Morganton, NC? Click here!All this and more on this episode of the Carolina Reeper show!Jon Reep Social Media: Facebook Twitter Instagram TiktokFor gifts and more in the Hickory, NC area check out Goodwill Northwest NC! Go try the Jon Un-REEP-eatable Burger at the Hickory Social House!Get you a Honda and a Hotdog at Hendrick Honda of Hickory!Buy South in Ya Mouth BBQ Sauce here!Download and Listen to the CAROLINA REEPER with Jon Reep Podcast hereVisit the MERCH shop here!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Grab your passports because we are leaving camp and going international! We're trading in the birch for a maple, pounding poutine, and trekking through the snow of Toronto. In this episode, we are talking about our time in CANADA! Get Merch on Jan 12, 2025: campcounselorspodcast.com/merchSTRIP MALL TEASE TOUR TICKETS: https://linktr.ee/zzzachariahWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by Apostrophe. Get your first visit for only five dollars at Apostrophe.com/COUNSELORS when you use our code: counselors ➜ This episode is sponsored by Pretty Litter. Go to PrettyLitter.com/camp to save 20% on your first order and get a free cat toy.➜ This episode is sponsored by Progressive Insurance. See if you can save at Progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ Kaylee Lindenmuth, McKenzie Jarrell. “Hershey Bears Break 100,000 in Teddy Bear Toss Sunday; over 500K Collected All-Time.” ABC27, ABC27, 6 Jan. 2025.➜ Brittany Loggins. “And Just like That, Carrie Bradshaw's Front Stoop Was Closed.” The New York Times, The New York Times, 14 Jan. 2025. Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

In this episode, we are talking about Counselor Jonathan's visit to the DMV, Steven Tyler's toes, men committing insurance fraud in a bear suit, Camp Counselors emojis, finstas, and so much more! Get Merch on Jan 12, 2025: campcounselorspodcast.com/merchSTRIP MALL TEASE TOUR TICKETS: https://linktr.ee/zzzachariahWant BONUS CONTENT? Join our PATREON! ➜ This episode is sponsored by MeUndies. Get 20% off your first order, plus free shipping, at MeUndies.com/counselors and use promo code: counselors➜ This episode is sponsored by Thrive Market. Go to ThriveMarket.com/camp and get 30% off your first order, plus a free $60 gift.➜ This episode is sponsored by Zocdoc. Go to Zocdoc.com/CAMP to find and instantly book a top-rated doctor today.➜ This episode is sponsored by Progressive Insurance. See if you can save at Progressive.com Check out our website and submit your inquiries for advice, juicy gossip, confessions, and horror stories! Sources:➜ Jessica Murray. “Mystery of Bananas on Nottinghamshire Road Has Residents A-Peeling for Answers.” The Guardian, Guardian News and Media, 6 Jan. 2025.➜ Annie Correal. “Human in Bear Suit Was Used to Defraud Insurance Companies, Officials Say.” The New York Times, The New York Times, 14 Nov. 2024. Camp Songs:Spotify PlaylistYouTube PlaylistSammich's Secret Mixtape Social Media:Camp Counselors TikTokCamp Counselors InstagramCamp Counselors FacebookCamp Counselors Twitter

SERIOUSLY! YOU NEED IT! Liz Astrof shares a wild story about why she needed brain surgery! PLUS: Heather and Liz trade notes on surgeons who prey upon insecure patients, why makeup is different in Europe, tweezing on the freeway, burning your face from red light masks, the aging process of Kenny Loggins, why Ozempic might be mandatory in the future, Liz's tortuous colon, taste testing your kids ADHD meds, and why TV networks want shows that are NOT funny! Let's Talk is sponsored by Progressive Insurance! Visit Progressive.com to see if you could save on car insurance!

Our trucking insurance expert, Cameron Pechia, is back on the show to discuss critical factors influencing insurance premiums, such as claims history, driver standards, and the importance of safety scores! Cam will let us know how documented processes can impact insurance rates and freight negotiations, the need for strategic business planning, the effect of excessive insurance shopping, and fostering strong relationships with specialized insurance agents to better understand different premiums!   About Cameron Pechia Cameron is the founder of Valley Trucking Insurance, a leading Trucking Insurance Agency based in Spokane, Washington. With a deep passion for the trucking industry and a commitment to excellence, Cameron has become a trusted figure in the field. Cameron also is the host of Get A Load Of This Trucking Podcast and brings a ton of value to the Trucking Industry. Cameron is also a dedicated husband and father to his two beautiful girls…His daughters are his “WHY” and what makes him get up in the morning and try to win each and every day.  At Valley Trucking Insurance, Cameron oversees the provision of specialized insurance solutions tailored to the unique needs of trucking companies. The agency serves a diverse clientele, including local trucking companies, long-haul trucking companies, aggregate haulers, tow truck companies, hot shots, freight brokers, and other related risks. Cameron ensures that clients receive the highest level of customer service and comprehensive coverage through the agency's proven process known as the "VTI Difference." Under Cameron's leadership, Valley Trucking Insurance has achieved significant growth and expansion across the county. The agency has built strong partnerships with renowned insurance providers such as Great West Casualty Company, Lancer Insurance Company, Progressive Insurance, Berkshire, and Canal. Additionally, Cameron also focuses on placing fleet-sized trucking companies into captive insurance programs, enhancing their risk management and financial stability. Looking ahead, Cameron is focused on an ambitious goal of expanding the agency's reach by looking to help over 10,000 Trucking Companies and Freight Brokerage operations within the next seven years. Adhering to the principles outlined in the book Traction by Geno Wickman, he is dedicated to creating world-class onboarding and customer service experience for his trucking clients. This initiative aims to foster a culture of excellence and continuous improvement, ensuring Valley Trucking Insurance remains at the forefront of the industry.   Connect with Cameron Website: https://www.valleytruckinginsurance.com/  LinkedIn: https://www.linkedin.com/in/cameron-pechia-49903072/  Email: Cameron@alllinesinsure.com  

When night manager Rodney Castin is gunned down in the lobby of his hotel three weeks before Christmas, detectives scour Georgia for his killer; two decades pass before an informant's shocking testimony breaks the case wide open.Check out our amazing sponsors!This episode is brought to you by BetterHelp! Visit BetterHelp.com/COLDCASE to get 10% off your first month.CookUnity - Go to CookUnity.com/COLDX or enter code COLD before checkout for 50% off your first week.HERS - Start your initial free online visit today at ForHers.com/COLDCASE This episode is sponsored by Progressive Insurance!

In 1977 Florida, nurse Deborah Clark, 23, is found brutally slain in her home. Detectives unearth an affair, a jilted wife, and a web of money and power, but no true suspect. It will take 40 years and advanced DNA testing to expose Deb's killer.Check out our amazing sponsors!This episode is brought to you by Progressive Insurance !Quince - Go to Quince.com/ColdCase for 365-day returns plus free shipping on your order!Zocdoc - Go to Zocdoc.com/CCF to find and instantly book a top-rated doctor today!HERS - Start your free online visit today at ForHers.com/CCF

A serial rapist leaves a trail of death and destruction unchecked for years... until one victim survives.Check out our great sponsors!GABB WIRELESS - Go to GABB.com/COLDCASE to get started! MASTERCLASS - MasterClass always has great offers during the holidays, sometimes up to as much as 50% off. Head over to MASTERCLASS.com/COLDCASE for the current offer!ROSETTA STONE - Get Rosetta Stone's LIFETIME Membership for 50% off! Visit RosettaStone.com/COLDCASESIMPLISAFE - This week only, you can take 50% off any new system with a select professional monitoring plan. Head to SIMPLISAFE.COM/COLDCASE to claim your discount and make sure your home is safe this season.This episode is brought to you by Progressive Insurance!

When Susan Woods, 30, is found beaten and drowned in her tub in America's cowboy capital, suspicion falls on her estranged husband; with a suspect's DNA in hand, detectives go back to the basics to unmask a killer cowboy living in plain sight.MINT MOBILE - To get this new customer offer and your new 3-month premium wireless plan for just 15 bucks a month, go to MINTMOBILE.com/coldcase.ZOC DOC - Stop putting off those doctors appointments and go to ZocDoc.com/CCF to find and instantly book a top-rated doctor today!QUALIA - Go to Qualialife.com/COLDCASE for up to 50% off and use code COLDCASE at checkout for an additional 15% off!This episode is brought to you by Progressive Insurance!

Four months after an Oklahoma man goes missing, divers searching for an antique Model T Ford in Claremore Lake come across a body.Quince - Go to Quince.com/coldcase for 365-day return s, plus free shipping on your order!GreenLight - Sign up today at GreenLight.com/ColdCase today!SimpliSafe - This week only, take 50% OFF ANY new system with a select professional monitoring plan by going to SimpliSafe.com/ColdCase HERS - Start your free online visit today at ForHERS.com/CCF This episode is brought to you by Progressive Insurance!

When a Texas gas store owner, Subir Chatterjee, 58, is shot inside his check cashing booth in 2002, detectives suspect his killer is someone Subir knew. With the murderer's DNA in hand, one detective refuses to retire until the case is solved.GreenLight - Sign up today at GreenLight.com/ColdCase today!SimpliSafe - T his week only, take 50% OFF ANY new system with a select professional monitoring plan by going to SimpliSafe.com/ColdCase HERS - Start your free online visit today at ForHERS.com/CCF This episode is brought to you by Progressive Insurance!

A mother disappears and her voicemails lead detectives to the body. But the case goes cold until over a decade later when an informant discloses critical clues to turn the suspect into a convicted murderer.Qualia - Brought to you by Progressive Insurance!

Today will be an exciting episode with our returning guest, Cameron Pechia, talking about trucking insurance and his overview of the market outlook for 2025! Cam highlights the increasing insurance premiums, strategies focusing on maintenance, safety, and technology, significant industry concerns like infrastructure investment, and the critical need for improved truck parking.   About Cameron Pechia Cameron is the founder of Valley Trucking Insurance, a leading Trucking Insurance Agency based in Spokane, Washington. With a deep passion for the trucking industry and a commitment to excellence, Cameron has become a trusted figure in the field. Cameron also is the host of Get A Load Of This Trucking Podcast and brings a ton of value to the Trucking Industry. Cameron is also a dedicated husband and father to his two beautiful girls…His daughters are his “WHY” and what makes him get up in the morning and try to win each and every day.  At Valley Trucking Insurance, Cameron oversees the provision of specialized insurance solutions tailored to the unique needs of trucking companies. The agency serves a diverse clientele, including local trucking companies, long-haul trucking companies, aggregate haulers, tow truck companies, hot shots, freight brokers, and other related risks. Cameron ensures that clients receive the highest level of customer service and comprehensive coverage through the agency's proven process known as the "VTI Difference." Under Cameron's leadership, Valley Trucking Insurance has achieved significant growth and expansion across the county. The agency has built strong partnerships with renowned insurance providers such as Great West Casualty Company, Lancer Insurance Company, Progressive Insurance, Berkshire, and Canal. Additionally, Cameron also focuses on placing fleet-sized trucking companies into captive insurance programs, enhancing their risk management and financial stability. Looking ahead, Cameron is focused on an ambitious goal of expanding the agency's reach by looking to help over 10,000 Trucking Companies and Freight Brokerage operations within the next seven years. Adhering to the principles outlined in the book Traction by Geno Wickman, he is dedicated to creating world-class onboarding and customer service experience for his trucking clients. This initiative aims to foster a culture of excellence and continuous improvement, ensuring Valley Trucking Insurance remains at the forefront of the industry.   Connect with Cameron Website: https://www.valleytruckinginsurance.com/  LinkedIn: https://www.linkedin.com/in/cameron-pechia-49903072/  Email: Cameron@alllinesinsure.com  

Sarah Rintamaki is the Founder and Executive Director of Connecting for Kids, a nonprofit organization based here in Northeast Ohio that provides education and support to families with concerns about their children. Sarah actually started out in the business management field. She has an MBA from the University of Chicago and spent a summer on Wall Street. In her 20s and 30s she built a career as an international strategic business consultant, flying all over the world to advise corporate leaders about how they should be guiding their companies. One such client, Peter B. Lewis of Progressive Insurance, talked her into coming to work for him, and that led her to the greater Cleveland area, which she now calls home. It was later, as a young mom, that things started to change. It became clear that her children were struggling and needed some pretty intense interventions. Sarah took what she thought would be a temporary leave of absence to help research what was needed and put a plan in place for her kids. Eventually, after several major life events, it became clear to Sarah that she needed to find another path, and that path led her to what she's doing now. But that choice she made, that she felt she had to make – the pressures and lack of options that many, especially working mothers, face – is something she thinks deeply about. Listen in as Sarah talks routes to find advocacy and support during a time of concern.  This is another episode in our series with The Literacy Cooperative to bring more information and support to parents and children about better ways to learn, have a safe learning environment and beyond. Donate to this amazing organization here. Listen in now! Key Takeaways [00:02:12] Developmental delays in children [00:06:57] Early intervention evaluation resources [00:09:14] Evaluation for disability services [00:13:34] Advocacy through communication strategies [00:16:50] Documenting student social interactions [00:20:47] Evaluation and intervention process [00:23:37] Inequitable school funding in Ohio [00:30:05] Parent support and resources [00:31:53] Dyslexia screening in schools [00:35:43] Signs of dyslexia in children Where to Find Sarah LinkedIn – Sarah Rintamaki Email – sarahrintamaki@connectingforkids.org Where to Find Connecting for Kids Website – ConnectingforKids.org Instagram – @ConnectforKids Facebook – Connecting for Kids Email – info@connectingforkids.org How to find us - Visit our website – hardnopodcast.com – for show notes, which include links to books and other helpful resources. Like what you hear? Please subscribe, rate and review so others can find us, and make sure to follow us on social media. We're @hardnopodcast on Instagram, Facebook, LinkedIn & YouTube! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this wide spanning interview episode we talk with Biz Almanac's Andy on investment philosophy, the differences of Founder-led businesses, as well as many different companies he's written up on his Substack, including TerraVest, Alimentation Couche Tard, Burford, Progressive, TFI, Old Dominion, Spotify, Mercardo Libre, and  more!  Find out more about Biz Almanac's research and writings here and follow him on Twitter @BizAlmanac. -*-*-*-*-*-*-*-*-*-*- Show Notes (0:00) Intro (0:59) What is your Investment Philosophy? Why focus on Owner Operated Businesses?  (13:47) — How do you pick companies to vette? (19:51) — When to Sell and we discuss a Controversial Study's Conclusions   (34:30) — TerraVest (45:54) — Alimentation Couche Tard (58:09) — Alternative Asset Managers, Apollo Group  (1:04:09) — Burford, Niche Area of Littigation Finance  (1:13:02) — Progressive Insurance  (1:15:26) — What is LTL? TFI and Old Dominion  (1:23:29) — Spotify, Daniel Ek as a Founder  (1:30:02) — Mercado Libre, Developed Markets  vs Developing Markets (1:41:00) — Take Aways and Closing Comments  -*-*-*-*-*-*-*-*-*-*- Become a Speedwell Member here to gain access to *all* of our in-depth research reports and more!   Sign up for Speedwell's free newsletter and weekly memos here *-*-*- Follow Us: Twitter: @Speedwell_LLC Threads: @speedwell_research Email us at info@speedwellresearch.com for any questions, comments, or feedback. -*-*-*-*-*-*-*-*-*-*- Disclaimer Nothing in this podcast is investment advice nor should be construed as such. Contributors to the podcast may own securities discusessed. Furthermore, accounts contributors advise on may also have positions in companies discussed. Please see our full disclaimers here:  https://speedwellresearch.com/disclaimer/

Today, we'll explore the vital aspects of insurance in the trucking industry with our returning guest Cameron Pechia!  Cam delves into pressing industry challenges such as rising costs, fraud, and the necessity of comprehensive insurance coverage. He also highlights the significance of understanding insurance policies, engaging with insurance agents about policies' details and exclusions, and enhancing operational safety and compliance for trucking companies.    About Cameron Pechia Cameron is the founder of Valley Trucking Insurance, a leading Trucking Insurance Agency based in Spokane, Washington. With a deep passion for the trucking industry and a commitment to excellence, Cameron has become a trusted figure in the field. Cameron also is the host of Get A Load Of This Trucking Podcast and brings a ton of value to the Trucking Industry. Cameron is also a dedicated husband and father to his two beautiful girls…His daughters are his “WHY” and what makes him get up in the morning and try to win each and every day.  At Valley Trucking Insurance, Cameron oversees the provision of specialized insurance solutions tailored to the unique needs of trucking companies. The agency serves a diverse clientele, including local trucking companies, long-haul trucking companies, aggregate haulers, tow truck companies, hot shots, freight brokers, and other related risks. Cameron ensures that clients receive the highest level of customer service and comprehensive coverage through the agency's proven process known as the "VTI Difference." Under Cameron's leadership, Valley Trucking Insurance has achieved significant growth and expansion across the county. The agency has built strong partnerships with renowned insurance providers such as Great West Casualty Company, Lancer Insurance Company, Progressive Insurance, Berkshire, and Canal. Additionally, Cameron also focuses on placing fleet-sized trucking companies into captive insurance programs, enhancing their risk management and financial stability. Looking ahead, Cameron is focused on an ambitious goal of expanding the agency's reach by looking to help over 10,000 Trucking Companies and Freight Brokerage operations within the next seven years. Adhering to the principles outlined in the book Traction by Geno Wickman, he is dedicated to creating world-class onboarding and customer service experience for his trucking clients. This initiative aims to foster a culture of excellence and continuous improvement, ensuring Valley Trucking Insurance remains at the forefront of the industry.   Connect with Cameron Website: https://www.valleytruckinginsurance.com/  LinkedIn: https://www.linkedin.com/in/cameron-pechia-49903072/  Email: Cameron@alllinesinsure.com  

We've got Cameron Pechia back on today's live episode to discuss key points related to insurance market trends, client communication, freight theft or fraud, and legal and insurance implications. Learn the importance of verifying client contact information to prevent fraud and knowing legal proceedings connected to freight ransom cases!   About Cameron Pechia Cameron is the founder of Valley Trucking Insurance, a leading Trucking Insurance Agency based in Spokane, Washington. With a deep passion for the trucking industry and a commitment to excellence, Cameron has become a trusted figure in the field. Cameron also is the host of Get A Load Of This Trucking Podcast and brings a ton of value to the Trucking Industry. Cameron is also a dedicated husband and father to his two beautiful girls…His daughters are his “WHY” and what makes him get up in the morning and try to win each and every day.  At Valley Trucking Insurance, Cameron oversees the provision of specialized insurance solutions tailored to the unique needs of trucking companies. The agency serves a diverse clientele, including local trucking companies, long-haul trucking companies, aggregate haulers, tow truck companies, hot shots, freight brokers, and other related risks. Cameron ensures that clients receive the highest level of customer service and comprehensive coverage through the agency's proven process known as the "VTI Difference." Under Cameron's leadership, Valley Trucking Insurance has achieved significant growth and expansion across the county. The agency has built strong partnerships with renowned insurance providers such as Great West Casualty Company, Lancer Insurance Company, Progressive Insurance, Berkshire, and Canal. Additionally, Cameron also focuses on placing fleet-sized trucking companies into captive insurance programs, enhancing their risk management and financial stability. Looking ahead, Cameron is focused on an ambitious goal of expanding the agency's reach by looking to help over 10,000 Trucking Companies and Freight Brokerage operations within the next seven years. Adhering to the principles outlined in the book Traction by Geno Wickman, he is dedicated to creating world-class onboarding and customer service experience for his trucking clients. This initiative aims to foster a culture of excellence and continuous improvement, ensuring Valley Trucking Insurance remains at the forefront of the industry.   Connect with Cameron Website: https://www.valleytruckinginsurance.com/  LinkedIn: https://www.linkedin.com/in/cameron-pechia-49903072/  Email: Cameron@alllinesinsure.com  

(1:09) Beach buggy supercharger racing! (4:07) Progressive Insurance done with Teslas? (6:59) Lesser known perks of Tesla (23:16) Tesla owner demographics (per Hedges & Company) (33:18) Supercharger safety (38:48) Y of the week: Cyber Y!

Chevron is not just a gas station. It's also one of the most important legal doctrines, underpinning much of the administrative state in the United States. And it's also about to be overturned by the Supreme Court. Why? Is this a good idea? And what will be the consequences? This episode is sponsored by Progressive Insurance.

Bre Rossetti is Chief Strategy Officer at Arnold. Her work involves overseeing the integrated strategy offering at the agency for brands like Puma, Fidelity, McDonald's, and Progressive Insurance.  We discussed all of this and more this week on the On Brand podcast. About Bre Rossetti Bre Rossetti is Arnold's Chief Strategy Officer, overseeing the integrated strategy offering at the agency. Bre has been critical to the evolution of Arnold's strategic offering, thanks to her ability to understand the combination of brand strategy and comms planning that has become one of Arnold's secret weapons. She has led brands that include Puma, Fidelity, Domino's, McDonald's, and TripAdvisor. Bre currently oversees all clients at Arnold including PNC Bank, Progressive Insurance, ADP, and Walmart's Sam's Club. From the Show Bre had some great quotes ... “It's easy for marketers today to get lost in the sauce” and “We need to find our brand's center of gravity instead of relying on matching luggage and funnels.” What brand has made Bre smile recently? Bre shared some recent smiles from the reinvigorated network upfronts now featuring the likes of Netflix and Amazon. To learn more, check out the Arnold website and connect with Bre on LinkedIn. As We Wrap … Listen and subscribe at  Apple Podcasts, Spotify, Amazon/Audible, Google Play, Stitcher, TuneIn, iHeart, YouTube, and RSS. Rate and review the show—If you like what you're hearing, be sure to head over to Apple Podcasts and click the 5-star button to rate the show. And, if you have a few extra seconds, write a couple of sentences and submit a review to help others find the show. Did you hear something you liked on this episode or another? Do you have a question you'd like our guests to answer? Let me know on Twitter using the hashtag #OnBrandPodcast and you may just hear your thoughts here on the show. On Brand is a part of the Marketing Podcast Network. Until next week, I'll see you on the Internet! Learn more about your ad choices. Visit megaphone.fm/adchoices

Overcome your challenges and thrive in an uncertain market in this conversation with Cameron Pechia! Cam tells us how to take advantage of the freight market's future growth and gradual improvements, the importance of understanding long-term trends for strategic decision-making, personal connections, and hardwork. Be sure to check this out!   About Cameron Pechia Cameron is the founder of Valley Trucking Insurance, a leading Trucking Insurance Agency based in Spokane, Washington. With a deep passion for the trucking industry and a commitment to excellence, Cameron has become a trusted figure in the field. Cameron also is the host of Get A Load Of This Trucking Podcast and brings a ton of value to the Trucking Industry. Cameron is also a dedicated husband and father to his two beautiful girls…His daughters are his “WHY” and what makes him get up in the morning and try to win each and every day.  At Valley Trucking Insurance, Cameron oversees the provision of specialized insurance solutions tailored to the unique needs of trucking companies. The agency serves a diverse clientele, including local trucking companies, long-haul trucking companies, aggregate haulers, tow truck companies, hot shots, freight brokers, and other related risks. Cameron ensures that clients receive the highest level of customer service and comprehensive coverage through the agency's proven process known as the "VTI Difference." Under Cameron's leadership, Valley Trucking Insurance has achieved significant growth and expansion across the county. The agency has built strong partnerships with renowned insurance providers such as Great West Casualty Company, Lancer Insurance Company, Progressive Insurance, Berkshire, and Canal. Additionally, Cameron also focuses on placing fleet-sized trucking companies into captive insurance programs, enhancing their risk management and financial stability. Looking ahead, Cameron is focused on an ambitious goal of expanding the agency's reach by looking to help over 10,000 Trucking Companies and Freight Brokerage operations within the next seven years. Adhering to the principles outlined in the book Traction by Geno Wickman, he is dedicated to creating world-class onboarding and customer service experience for his trucking clients. This initiative aims to foster a culture of excellence and continuous improvement, ensuring Valley Trucking Insurance remains at the forefront of the industry.   Connect with Cameron Website: https://www.valleytruckinginsurance.com/  LinkedIn: https://www.linkedin.com/in/cameron-pechia-49903072/  Email: Cameron@alllinesinsure.com  

The former President was back in front of the Supreme Court, this time exploring the limitations of executive immunity. What were the arguments on each side, and what will be the outcome in this closely watched case? This episode is sponsored by Progressive Insurance.

On this episode of Christopher Lochhead: Follow Your Different, we have the pleasure of sitting down with two remarkable entrepreneurs, Shante Frazier and Lauren Mitchell, the co-founders of WellCapped. In our conversation, we delved into the origins of their groundbreaking service, the hurdles they've overcome, and their ambitious vision for the future of the beauty industry. Their journey is one of innovation, resilience, and a relentless pursuit of redefining beauty standards. You're listening to Christopher Lochhead: Follow Your Different. We are the real dialogue podcast for people with a different mind. So get your mind in a different place, and hey ho, let's go. WellCapped: The Genesis of a Game-Changer Shante and Lauren's venture, WellCapped, is akin to Rent the Runway, but for wigs and hair extensions. This novel concept was born from a simple suggestion by Shante's aunt and has since blossomed into a business that caters to a diverse clientele seeking quality and affordability. Their personal experiences and corporate backgrounds have fueled their mission to democratize high-end wigs and hair extensions, making them accessible to all. The beauty industry has seen a surge in the use of wigs and hair extensions, with technological advancements blurring the lines between natural and styled hair. Celebrities and influencers are challenging traditional beauty norms, and WellCapped is at the forefront of this shift, empowering customers to experiment with their looks without the hefty price tag. The Entrepreneurial Leap Shante recounts the poignant moment that transformed her hesitation into conviction. The idea of a rental service for wigs and hair extensions wasn't just a business opportunity; it was a chance to support individuals undergoing chemotherapy by offering free memberships and support—a testament to the personal significance of WellCapped. Transitioning from corporate America to entrepreneurship is no small feat. Shante and Lauren share their motivations and the challenges they faced along the way. "When you see your customers telling you how our company has changed their lives, it gives you the fuel that you need to keep going on the bad days.” – Lauren Mitchell of WellCapped Eventually, Lauren's layoff became a catalyst for her commitment to WellCapped, while Shante reflected on the naivety and learning curve of starting a new venture. The Journey of Fundraising and Resilience Raising funds for a startup is a daunting task, but Shante and Lauren's determination was unwavering. They focused on aligning with investors who shared their vision, rather than convincing skeptics. Their commitment to excellence and continuous improvement has been a driving force behind their success. Their participation in the Techstars program marked a pivotal chapter for WellCapped. The intensive accelerator experience honed their brand and helped shift customer perceptions about renting wigs—a concept that is now gaining traction and acceptance. Shante emphasized the growing trend of viewing hair as a fashion accessory. WellCapped taps into this trend by offering a cost-effective way for consumers to express themselves through their hair, fostering a culture of experimentation and self-expression. To hear more from Shante & Lauren and how they raised WellCapped from the ground up, download and listen to this episode. Bio Shante Frazier Shante is a recent MBA graduate from NYU Stern, where she specialized in Marketing and Strategy. She graduated from Spelman College in 2012 with a BA in Economics. Prior to coming to Stern, Shante worked at Progressive Insurance for 3 years in the Pricing and Competitive Intelligence departments while also serving as an officer in the Ohio Army National Guard. Lauren Mitchell Lauren is a experienced marketing enthusiast with a demonstrated history of providing direction in the consultant industry and building meaningful relationships. She is a two-time graduate from Louisiana State...

What are gag orders? Why do we have them? And what are the concerns about them? We dive in to a subject we are seeing in more and more cases... Sponsored by Progressive Insurance

It's the true crime story that shocked America. What if you were kidnapped, but no one believed you? Sponsored by Progressive Insurance

This week, Rabia narrates Edith Nesbit's 1905 tale of how "dark" secrets can come back to haunt us... Nighty Night is sponsored by Progressive Insurance. Quote today at Progressive.com to try the Name Your Price® tool for yourself, and join the over 28 million drivers who trust Progressive.

Written by Edgar Allan Poe in 1833, the story follows our narrator at sea in the midst of a series of harrowing events... Nighty Night is sponsored by Progressive Insurance. Quote today at Progressive.com to try the Name Your Price® tool for yourself, and join the over 28 million drivers who trust Progressive.

Bob and Ali Motta join us to discuss the oral arguments in the Delphi case. What did we learn? What can we expect? And what comes next now that we have a decision from the Supreme Court? Sponsored by Progressive Insurance.

It was a rough preliminary hearing for Alex Murdaugh as the court laid down the law on what to expect in the upcoming evidentiary hearing. And the Murdaugh team couldn't have liked what they heard about who they can call, how they can be questioned, and the standard that will govern the hearing. We break it all down. This episode is sponsored by Progressive Insurance.

We're already preparing for 2024 (probably because 2023 was such a dud). Susie recommends the new Mike Birbiglia comedy special, The Old Man and the Pool, and discusses his sleep disorder that caused him to jump out of a La Quinta window while he was sleeping. Sarah is still recovering from her Spirit Airlines experience, and wants you all to know the little she saved was not worth it. Susie found out the recipe for Cookie Monster's cookies and what the traits are that make for the most hilarious Cookie Monster binge. We learn about a service you can get where someone shows up at your funeral and tells your loved ones things you were too shy/scared/hesitant to tell them while you were alive. AND you can also hire them to collect your embarrassing, illegal, etc items so your loved ones don't have to handle your naughty possessions. We just had the 60th anniversary of the assassination of JFK and how even after all these years it is still visceral for the witnesses. We also discuss the woman who is Flo from Progressive Insurance, and how she had to trade her creative dreams and goal of getting on SNL for her job with Progressive, but she likely makes $10M per year. Plus! We interview our new BFF, comedy icon, and amazing human being, Beth Stelling, about her comedy career, her experiences performing, and her vendetta against Johnny Banana.Join our Candy Club, shop our merch, sign-up for our free newsletter, & more by visiting The Brain Candy Podcast website: https://www.thebraincandypodcast.comConnect with us on social media:BCP Instagram: https://www.instagram.com/braincandypodcastSusie's Instagram: https://www.instagram.com/susiemeisterSarah's Instagram: https://www.instagram.com/imsarahriceBCP Twitter: https://www.twitter.com/braincandypodSusie's Twitter: https://www.twitter.com/susie_meisterSarah's Twitter: https://www.twitter.com/ImSarahRiceSponsors:Go to https://www.greenchef.com/60braincandy and use code 60braincandy to get 60% off, plus 20% off your next two months!Get $30 off the first box - PLUS free Croissants in every box - when you go to https://wildgrain.com/braincandy to start your subscription!Get started at https://www.chime.com/braincandyControl Body Odor ANYWHERE with @lumedeodorant and get $5 off off your Starter Pack (that's over 40% off) with promo code BRAINCANDY5 at https://lumedeodorant.com! #lumepodFind your forever pieces @jennikayne and get 15% off with promo code BRAINCANDY at https://www.jennikayne.com/braincandy! #jennikaynepartnerMore podcasts at WAVE: https://podcasts.apple.com/us/artist/wave-podcast-network/1437831426See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.