Podcasts about proven ways

Send a textI sat down with YouTube marketing strategist Jamar Diggs to talk about how coaches, consultants, and service providers can use long-form video as a strategic top-of-funnel engine. This is not about going viral. This is about visibility that converts.Jamar breaks down the difference between content created for views and content created for leads. He shares how to build an organic YouTube funnel. We also talk about how YouTube and Instagram can work together to build trust faster and move people toward buying.What You'll Learn in This Episode:02:07 – Why YouTube is powerful for business owners (not influencers)09:11 – The shift from corporate marketing to building your own lead engine10:34 – How showing up authentically unlocked more alignment and income13:21 – Why niche clarity matters on YouTube16:44 – How evergreen YouTube content becomes a long-term asset17:38 – What an organic YouTube sales funnel actually looks like20:49 – The role of lead magnets in converting YouTube viewers21:48 – The difference between attraction platforms and community platforms25:29 – The mindset shift business owners must make about YouTube30:29 – What it really takes to get started (without burnout)32:22 – Why every video needs a clear call to actionKey Takeaways:YouTube is not about going viral.It is about being discoverable. You are not competing with influencers. You are positioning your expertise.Search-based content is powerful.YouTube is the second largest search engine in the world. When someone searches for a solution, your content can meet them at the exact moment they need help.Evergreen content compounds.Videos you post today can generate leads years from now.Every video is an asset.Each piece of content should guide viewers to a next step, typically a lead magnet that moves them into your email ecosystem.Long-form builds authority. Short-form builds proximity.YouTube establishes depth and trust. Instagram builds connection and conversation. Together, they create momentum.Links Mentioned:You can find Jamar on Instagram @jamardiggsFree YouTube Class for Service Providers + ExpertsGet the low-lift starter kit to finally set up a YouTube channel that adds qualified traffic to your sales funnels 24/7 WORK WITH ELIZABETH MARBERRY Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

I've had the privilege of working with some of the world's greatest marketing minds—Gary Vaynerchuk, Todd Brown, Russell Brunson—and let me tell you, the deeper I go, the more I realize how most orthodontists, myself included, haven't been taught how to market effectively.In this episode of 5 Minute Friday, I walk you through a powerful framework I've learned: marketing as a pyramid. At the bottom of that pyramid are people who don't even know they have a problem, and at the top are the ones ready to take action. But here's the catch—most of us are marketing to the wrong level of awareness, with the wrong message, in the wrong place. That's costing us real money.Quotes“When you put a $500 discount in front of people who don't even know their kid needs ortho, you're wasting money—and missing the mark.” — Dr. Glenn Krieger“Pair the message you're sending with the awareness they have of your office. That's how you make marketing work.” — Dr. Glenn KriegerKey TakeawaysIntro & Why Money Talks (00:00)The Marketing Pyramid Explained (01:10)Different Awareness Levels & What to Say to Each (02:15)Why Most Discounts Fall Flat (05:20)A Real-World Breakdown: $500 Off Doesn't Work Here's Why (05:40)The “Make More Money” Meeting Announcement (06:45)8–10 Proven Ways to Boost Case Acceptance & Revenue (08:15)Why You Must Bring a Team Member (08:55)Additional ResourcesIf you've ever wondered why your practice isn't growing the way it should—despite all the ads and discounts—this is your wake-up call.

Send a textInstagram is shifting again, and I'm breaking down exactly what you need to know so your content performs and converts.In this short, actionable episode, I'm sharing three key updates that can directly impact your reach, engagement, and sales:• A smarter way to use Trial Reels without killing your momentum • The new hashtag limit and what actually matters now • A simple authenticity shift that could completely change your resultsWhat You'll Learn01:40 - How Trial Reels actually behave after 24 hours05:54 - Why “share to everyone” might be hurting your traction09:08 - The new 5-hashtag rule and how to choose the right ones09:34 - Why hashtags are no longer the main discovery tool10:32 - How Instagram now understands your content without 30 tags12:24 - The real reason raw, imperfect content performs so well14:18 - A faster way to create content without overthinkingResources Mentioned: Monetize Your IG GuideHOT REELS VIP WAITLISTHot Reels Full Program DetailsWORK WITH ELIZABETH MARBERRY Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

Decreased sexual desire is the most common concern I hear about changing sexuality during perimenopause and menopause. In this video, I discuss how we diagnose low libido, what may be contributing to it, and the treatment options that can genuinely help. You may hear the term Hypoactive Sexual Desire Disorder (HSDD). This is a medical diagnosis used when a persistent drop in desire creates distress for a woman or strain within a relationship. Evaluation involves a thoughtful clinical conversation, review of health history, and often the use of a validated tool such as the Decreased Sexual Desire Screener (DSDS). The reasons desire changes are rarely simple. They often include a combination of: ✔️ hormonal shifts involving estrogen, progesterone, and testosterone ✔️ changes in brain chemistry and stress pathways ✔️ sleep and energy disruption ✔️ relationship or emotional dynamics ✔️ medical conditions or medication effects I walk you through five categories of treatment, combining published science with what I've learned from caring for thousands of midlife women — including which approaches tend to work best in real life. Most importantly, low desire is not something you are required to accept as an unavoidable part of aging. If it matters to you, there are meaningful, evidence-based ways to make it better.

Healthy teams don't happen by accident—they're built with intentional care.In Episode 2 of The Worship Catalyst Podcast, Austin Ryan and Lane Wood get incredibly practical, sharing 23 (plus!) proven ways to keep teams spiritually healthy, connected, and thriving. Whether you lead staff, volunteers, creatives, or a small group, these ideas are designed to work in real life with real people.You'll learn:Whose responsibility team health really isSimple ways to pastor people without being overwhelmedHow prayer, encouragement, Scripture, and community shape cultureCreative ways to build connection beyond rehearsals and meetingsWhy caring for yourself is the starting point for caring for othersNo fluff. Just tested practices that help leaders protect people and build momentum.Watch the VIDEO Podcast HEREDid you enjoy this episode? Do us a favor and share with worship leaders & pastors around you! Also, leave a rating and review so it makes it easier for other worship leaders to find us! Follow Us on Facebook and Instagram for more content on worship leading every week. The Worship Catalyst Podcast is produced by Worship Catalyst. A non-profit ministry that serves churches by training, mentoring and coaching worship leaders and their teams. For more information about Worship Catalyst or for more resources to help you become a better worship leader, visit worshipcatalyst.com.

Spring renewal season is here, and before you start sending out estimates and contracts, you need to ensure your pricing is profitable. In this episode, Brian breaks down three critical steps to take before the spring rush: debriefing last year's job performance, dialing in your man-hour rate, and updating your numbers so you can bid with confidence and stay competitive all season long. Lawntrapreneur Academy (The #1 Resource for Starting, Growing and Scaling a Successful Lawn & Landscaping Company). - https://www.lawntrepreneuracademy.com/  Granum Academy Bootcamp Tour (use BRIAN25 to save!): https://granum.com/academy-bootcamp/  GROW 2026 - February 10-12 Dallas, TX: https://hubs.li/Q03Ybxs10 LMN & Coffee - https://us06web.zoom.us/j/89495679453?pwd=m0wKa6prJWrARKClJKolBaJjl00OYn.1 Coast Pay Fuel Card: www.CoastPay.com/Brian

Send us a textShowing up online can feel vulnerable, awkward, and emotionally exhausting.If you have ever questioned your confidence, your relevance, or whether social media is even worth it anymore, this episode is for you.In this conversation, I'm joined by Chelsea Peitz, keynote speaker, author, and one of the most thoughtful voices in personal branding and human-centered marketing. We talk about why visibility feels so uncomfortable, what is actually happening in your brain when you post online, and how social media has quietly shifted from connection to consumption.What You'll Learn00:00 – Why showing up online feels vulnerable and emotionally charged for most creators 02:19 – How Chelsea accidentally built a personal brand without trying to be an influencer 07:30 – Why the brain builds trust through screens the same way it does in real life 10:24 – The most common limiting beliefs that stop people from posting consistently 18:35 – How Instagram shifted from connection-based content to entertainment and discovery 21:54 – Why traditional engagement metrics are no longer reliable indicators of success 27:55 – How long-term growth comes from consistency, relationships, and not quitting 33:57 – Why Instagram works best as a relationship-building tool rather than a content machineKey TakeawaysVisibility is not neutral and often triggers fear and self-doubt. Your discomfort with social media is a human response, not a personal failure. Trust can be built through a screen when communication is human and consistent. Engagement has changed because people consume content like television. Silent viewers still build connection over time. Traditional metrics can undermine confidence and motivation. Creating your own success metrics builds self-trust. Long-term growth comes from relationships and consistency, not trends.Resources MentionedFollow Chelsea Peitz on InstagramChelsea's book on human-centered communicationFree Resource: Monetize Your IG GuideWORK WITH ELIZABETH MARBERRY Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

Last Wed Pros Live tickets!Show notes:This week I'm chatting to Elizabeth Marberry. We discussed the critical role of social media in modern business, particularly focusing on Instagram marketing strategies that are essential for wedding professionals. Elizabeth shared her journey of growing her brand through use of social media, transitioning from traditional marketing methods and using platforms like Instagram and TikTok.Elizabeth's InstagramSimple & Proven Ways to *Finally* Make Money on InstagramElizabeth's podcastTime Stamps:00:00 - Building Connections Through Storytelling03:42 - Starting the Journey into the Wedding Industry20:27 - The Power of Storytelling in Social Media Marketing29:21 - Transitioning Through Life's Seasons44:43 - Exploring New Places: Elizabeth's First Trip to Ireland and LondonMentioned in this episode:DIY Advertising Kits from the I Do SocietyDo you want to start utilising paid ads, but unsure where to start? These DIY advertising kits form the I Do Society are here to help. Learn how to create Google Ads, Meta Ads or TikTok Ads for your wedding business or venue, with these easy to follow guides now. Use code BECCA for a discountDIY Advertising kits

Send us a text Instagram does not need to feel chaotic anymore. In this final episode of my 2026 Instagram trends series, I bring everything together. I share a grounded roadmap for building a sustainable Instagram strategy that drives visibility, trust, and sales without burnout. I walk you through what to stop doing, what to focus on instead, and how to create content that actually supports your business goals in 2026. What You'll Learn in This Episode 00:00 – Why Instagram feels overwhelming and how to simplify your strategy 01:21 – The leadership lesson that reshaped how I think about connection 04:16 – A recap of the three biggest Instagram shifts happening right now 05:36 – What to stop doing in 2026 if you want sustainable growth 06:06 – Why chasing trends hurts long-term trust and conversions 07:32 – Why every piece of content needs a clear job 08:53 – Why views do not equal sales 10:47 – Why depth beats being everywhere at once 11:44 – Why posting at 80% good enough is a growth strategy 12:43 – The mindset shift that creates real confidence on Instagram 13:38 – Why human-first content wins in an AI-driven world 15:33 – Why community matters more than follower count 17:54 – How social search is changing Instagram marketing 19:52 – Why conversation-based marketing is the future 21:21 – How to use AI without losing your voice 23:12 – Your simple three-month Instagram action plan for 2026 29:17 – Why trust will be the ultimate currency moving forwardResources Mentioned: HOT REELS VIP WAITLISTHot Reels Full Program DetailsFree Close Sales in Your Sleep, DM Automation Guide: Get your First month FREE of ManyChat Pro. WORK WITH ELIZABETH MARBERRY Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

Learn 14 Proven Ways to Make Money on YouTube RIGHT NOW!

Send us a text Getting views does not guarantee sales. I see this every single day. In 2026, trust matters more than ever. In this episode, I break down what actually turns followers into paying clients. I explain the trust recession. I show you the difference between attention and connection. I teach you the three specific areas where depth drives real revenue. You'll Learn:00:00 – Why attention and sales are two different things01:20 – Why most content does not connect to a real sales funnel04:37 – What the trust recession is and how it changes buying behavior05:36 – Why hype, urgency, and discounts are losing power07:01 – Why proof and clarity beat promises08:57 – Why people buy people, not products09:25 – How little time you have to capture attention11:15 – Why attention is rented and depth is owned11:42 – The three areas where depth actually drives sales12:10 – Why captions convert warm audiences13:08 – Why carousels are a hidden growth and conversion tool14:33 – The carousel data most creators are ignoring15:29 – How to structure carousels for authority and leads17:17 – Why consistency of perspective builds trust19:57 – Why your customer journey must be clear20:48 – How Elizabeth uses content to drive podcast growth23:09 – How to choose the right call to action for each post24:27 – Why DM automation is the real conversion engine24:56 – How ManyChat turns content into leads on autopilot26:46 – How to use DM automation in feed posts and storiesResources MentionedHOT REELS VIP WAITLISTHot Reels Full Program DetailsFree Close Sales in Your Sleep, DM Automation Guide: Get your First month FREE of ManyChat Pro.Discover freshly roasted, specialty coffee delivered to your doorstep with Duality CoffeeWORK WITH ELIZABETH MARBERRY Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

Divorce doesn't usually happen overnight — it's the result of small, ignored issues that pile up over time. In this episode of The Coffee Breakups, two recently married men sit down for an honest, practical conversation about how to prevent divorce before it starts. Drawing from real-life experience, research-backed insights, and hard conversations many couples avoid, we break down 10 actionable ways to build a stronger, healthier marriage.We discuss why marriages should be treated like a living system, not a one-time promise, how to communicate through conflict without damaging the relationship, and why financial alignment is one of the biggest predictors of marital success or failure. From weekly relationship check-ins and learning how to fight productively, to setting boundaries with family, protecting emotional and physical intimacy, and growing together instead of apart, this episode offers tools couples can use immediately.The conversation also dives into real-world challenges like balancing marriage after having kids, navigating outside influences from family and friends, avoiding financial secrecy, and why therapy should be used as maintenance — not a last resort. Whether you're newly married, engaged, or in a long-term relationship, this episode provides grounded marriage advice focused on prevention, communication, trust, and long-term partnership.If you're looking for honest relationship advice, ways to avoid divorce, or practical strategies to strengthen your marriage, this episode is for you.

In this episode of the Scottish Property Podcast, Nick and Steven are joined by John and Luis from Prime Property Auctions to break down how their business has scaled rapidly, why auctions are becoming the go-to exit strategy for many landlords, and what really drives seller decisions in today's market.They reflect on a standout year for the business, discuss the realities behind auction volumes and growth, and lift the lid on the marketing, sales psychology, and lead-tracking systems that underpin their success. This episode offers a practical, behind-the-scenes look at how a modern auction house operates — and how investors can plug into it.

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/  

Send us a textIn this episode, we talk about how to stand out without burning out. We cover the shift away from generic content. We explore the rise of story-driven and mission-led marketing. We talk about how to grow your visibility in a way that feels human, sustainable, and aligned with your real life.You will learn why playing the long game matters. You will learn how to use storytelling to stand out in a crowded market. You will learn how to use AI as a strategic partner instead of a replacement. You will learn why personal branding is now non-negotiable. You will also learn how DM automation connects your content to real leads and sales.What You'll Learn00:05 – Why consistency with intention beats posting everywhere06:13 – Why Instagram growth is a long game09:04 – Why generic content is forgettable10:02 – Why story-driven content is winning right now11:27 – How to use storytelling to create connection and trust19:22 – Why your brand needs a human face in 202621:33 – How direct-to-camera content builds authority22:55 – How mission-led content creates loyalty and community24:46 – How niching down makes your marketing stronger13:44 – How to use AI as a strategic thought partner15:32 – The CRIT framework for better AI results26:59 – How to use DM automation to connect content to your funnel28:28 – How ManyChat helps you grow your list on autopilot27:58 – Why visibility without conversion is a trap30:52 – The three big takeaways for your 2026 content strategyResources MentionedHOT REELS VIP WAITLISTHot Reels Full Program DetailsFree Close Sales in Your Sleep, DM Automation Guide: Get your First month FREE of ManyChat Pro. Learn the CRIT framework that takes you into the top 1% of AI usersWORK WITH ELIZABETH MARBERRY Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

What's changing right now isn't the caliber of leaders. It's the environment we're leading in.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/Knowing how to remove a repossession from your credit report has never been more important. Over 2.7 million Americans had their vehicles repossessed in 2025, and all signs point to 2026 being even worse.But here's what most people don't know. Repossessions aren't just about losing your car. It goes way beyond that. You are not just losing your daily transportation… your credit takes a heavy hit that can follow you around for years. Today, I'm going to give you three proven strategies that will help you remove repossessions the right way in 2026, even if they've been sitting on your credit report for years. Tune in! P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/  Key Takeaways:00:00:00 Intro 00:02:17 How do Repossessions Actually Work? 00:03:51 Logging Factual Disputes 00:08:36 Credit Sale Discrepancies00:11:30 Dispute Post-Repo Late Payment 00:13:17 My Final Point 00:13:45 Outro Additional Resources:Get a free trial to Credit Repair CloudGet my free credit repair training  How to Fight Debt Collectors Without a Lawyer ft. Steven WilliamsMake sure to subscribe so you stay up to date with our latest episodes.

Send us a textInstagram feels harder than it used to. Your views might be down. Your reach might feel inconsistent. Your content might feel like it is disappearing into the void.This is not your fault.In this Strut It episode, I kick off a four part series on Instagram Marketing Trends and Predictions for 2026. I break down what is actually happening on the platform using real data from two massive studies that analyzed more than 44 million posts and nearly 2 million accounts.You will learn why reach is down, why competition is up, and why this shift is secretly the best opportunity small businesses have had in years.What You'll Learn 00:00 – Why Instagram feels harder right now 03:02 – What two major studies reveal about reach, Reels, and competition 08:10 – Why more content means less average reach 09:27 – How the algorithm has shifted toward recommendations and DMs 12:21 – Why small accounts are growing faster than big ones 16:06 – What resonance over reach really means for your business 17:01 – Why views and income are not the same thing 15:09 – How I grew my business by 300 percent with lower average views 20:11 – Why niche content now beats broad content 20:41 – How shareable content wins in 2026 24:00 – Why community matters more than ever 24:56 – Why Reels still matter and how to think about them differently 25:51 – The three strategic takeaways you need to focus on this year Resources MentionedJoin the Hot Reels VIP Waitlist: Free Guide: Monetize Your IG Guide: WORK WITH ELIZABETH MARBERRY Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

As a eBay seller, you're constantly looking for ways to maximize your profit. In this episode of the I Love to Be Selling podcast, you'll discover three smart strategies for making more money on eBay. Tune in to find out how to optimize your listings and your business on eBay via a trio of practical tips that will boost your sales AND help you get top dollar for your items.   You'll also gain access to I Love to Be Selling's exclusive free eBay Promoted Listings Guide: 5 Tips to Keep You in the Game (and Protect Your Wallet!). It's your road map to navigating the upcoming increase in eBay's Promoted Listings fees. Download your complimentary copy today at https://ilovetobeselling.com/webinars-and-workshops/ebay-promoted-listings-fees-guide/.   I'm Kathy, and I love to be selling!

Send us a textMarketing in 2026 looks nothing like it did even a few years ago. The traditional funnel assumes people move in a straight line from awareness to purchase. That assumption no longer holds.In this Strut It episode, I sit down with internationally known marketing consultant, speaker, and educator Becca Pountney. Becca works primarily in the wedding industry, but her strategies apply to every business and every niche.We unpack why attention is harder to earn, why trust is harder to build, and why customers now take multiple paths before buying. Becca introduces her Marketing Theme Park concept and walks through her S.C.R.E.A.M. framework, a practical way to rethink visibility, pricing, experience, and conversion in today's landscape.What You'll Learn[00:00] Why the traditional marketing funnel is outdated[01:32] How the marketing theme park reflects modern buying behavior[02:28] What it actually means to stand out in a crowded market[04:44] Why transparent pricing builds trust faster[07:05] How word-of-mouth still cuts through digital noise[08:59] Why experience now drives conversions[09:29] How to capture attention in a short attention economy[21:46] Why customers need multiple ways to buy from youKey TakeawaysVisibility alone no longer convertsDifferentiation matters more than perfectionClear pricing builds confidenceSmall experience upgrades create big impactAttention is earned in secondsSimplicity increases salesCustomers choose their own buying pathGuest BioBecca Pountney is an internationally recognized marketing consultant, speaker, and educator. She is the UK's leading wedding industry marketing expert and the host of the award-winning podcast Wedding Pros Who Are Ready to Grow. Her work helps business owners simplify marketing, increase visibility, and build sustainable growth in a noisy digital world.Links and ResourcesGet Tickets for Wedding Pros Live in London or Ireland in March of 2026!Follow Becca Pountney on InstagramBecca's Podcast: Wedding Pros Who Are Ready to GrowWORK WITH ELIZABETH MARBERRY Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

Jesus teaches us that while the world mistakenly seeks happiness through following natural urges, the people of God seek God's will first. Fill-In Sermon Notes (https://notes.subsplash.com/fill-in/view?page=By1gPRZNZe) Watch the Sermon (https://youtu.be/jq_bZt4WW1w?si=H_HrV8P5W-i7GWym) Watch the Full Worship Service (https://www.youtube.com/live/xEzNhMwObeo?si=V-JyV7PaFMB6wDtW) Follow Acts 2: Website (https://acts2umc.org) Facebook (https://www.facebook.com/acts2umc) Instagram (https://www.instagram.com/acts2umc) Youtube (https://www.youtube.com/channel/UCTjMQ3C5r50E8PGLwMvwuGQ) Twitter (https://www.twitter.com/acts2umc)

What's changing right now isn't the caliber of leaders. It's the environment we're leading in.

These four tips derive straight from my best-selling business book, referred to by many as “The CPG Bible” for founders new to the industry - Ramping Your Brand. It's about discipline. The discipline to work on the business and on yourself. Check it Out!Your Host: Dr. James F. Richardson of Premium Growth Solutions, LLC www.premiumgrowthsolutions.com Please send feedback on this or other episodes to: admin@premiumgrowthsolutions.com

Why does betrayal trauma affect your brain so deeply? In today's episode, we break down what trauma brain actually is, why it happens after infidelity, and how the neurological impact of betrayal can leave you feeling foggy, anxious, overwhelmed, and unlike yourself. You'll learn the science behind your symptoms, the biblical truth that speaks into your healing, and three evidence-based ways to begin rewiring your brain—starting today. We'll explore how betrayal disrupts the amygdala, prefrontal cortex, and nervous system, why intrusive thoughts and hypervigilance are completely normal, and how God designed your brain with the capacity to heal. Using neuroscience research from experts like Dr. Bessel van der Kolk, Dr. Jennifer Freyd, and Dr. Daniel Siegel, you'll finally understand why your brain is doing what it's doing—and how you can take your power back. If you're tired of feeling stuck, confused, or “not yourself,” this episode will help you make sense of it all and give you a clear, faith-centered path forward. ✨ Enrollment Now Open: Roadmap to Recovery (Begins January 12, 2026!) If you're ready to heal your brain, your heart, and your identity after betrayal, now is the time to join Roadmap to Recovery—my Christ-centered, neuroscience-informed 6-month program for betrayed Christian women. Spots are extremely limited and registration is officially open. Don't wait—your healing begins the moment you say yes. Learn more & enroll → ROADMAP TO RECOVERY :: NEXT STEPS: ROADMAP TO RECOVERY GROUP COACHING FOR WOMEN - NEXT ROUND LAUNCHES JANUARY 12, 2026! MARRIAGE REDESIGNED PROGRAM  Schedule your MARRIAGE REDESIGNED FREE CONSULT  Join our Beauty Beyond Betrayal Sisterhood:   Healing from an affair: Heartbreak Recovery for Christian Women Grab your Free Ebook:   Broken Vows: Begin healing from the devastation of betrayal Email:   info@lisalimehouse.com WEBSITE:  www.lisalimehouse.com Got a question you want answered?  ASK HERE

Send us a textAs 2025 comes to a close, I pause to reflect on what this year truly taught me about business, visibility, and growth. Instead of another strategy-heavy episode, I share five unexpected lessons that reshaped how I think about success, consistency, and confidence as a business owner and leader.These lessons did not come from viral moments or overnight wins. They came from staying in the game, planting seeds, and learning how trust, safety, and clarity compound over time. My hope is that this episode helps you feel steadier, more grounded, and clearer about what deserves your energy moving into 2026 and beyond.This episode is an invitation to put the yardstick behind you and recognize how far you have already come.What You'll Learn[00:00] Why this episode is a reflection, not a strategy lesson[02:32] Putting the yardstick behind you and measuring real growth[04:55] Lesson one: Why trust outperformed virality in my business[09:14] How Instagram stories became my strongest conversion tool[11:36] Lesson two: The work I resisted most expanded my future[15:42] How the podcast created growth I could not predict[17:31] Lesson three: Why safety matters more than hustle[21:49] Lesson four: How visibility grows when you stop performing[26:02] Lesson five: Why consistency is about staying the course[29:18] Final encouragement for anyone feeling behind or tiredKey TakeawaysTrust builds businesses faster than chasing attention.Long-term consistency creates compounding visibility.Resistance often signals meaningful growth ahead.Safety supports sustainable success better than hustle.Authenticity outperforms perfection in visibility.Growth happens beneath the surface before it becomes visible.WORK WITH ELIZABETH MARBERRY Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

Send us a textHave you ever finished a full workday feeling exhausted but unsure what you actually accomplished?In this episode of Strut It, I sit down with Kelly Leardon, certified Director of Operations and founder of Walk Like Warriors. We talk about why traditional time management systems fail entrepreneurs and what actually works instead.Kelly breaks down her signature approach to theming your week, building rhythms that support focus, and reducing the mental load that keeps business owners stuck in constant busy mode. We also dive into how she generated over $30,000 from a single launch using Instagram Stories with fewer than 1,000 followers.What You'll Learn[00:00] Why feeling busy does not mean you are productive [00:27] Kelly's approach to theming your week [02:01] Why entrepreneurs struggle with traditional time management systems [06:21] Why decision fatigue drains your energy and momentum [07:15] The real cost of task switching and constant notifications [13:24] Why theme days work better than task batching [15:16] Kelly's play, rest, and work philosophy [25:54] How Kelly sold over $30,000 with a small Instagram following [27:17] Why Instagram Stories build trust faster than posts [29:40] A simple Monday through Friday Instagram Stories selling framework [33:25] Why you do not need a large following to make sales [36:05] The importance of clear calls to action [38:51] Kelly's final advice on designing a business you actually wantThis Week's ChallengeChoose one theme day for the upcoming week. Commit to it fully. Notice how your focus, energy, and clarity shift when you stop task switching and work in rhythm. Then share one takeaway from this episode in your Instagram Stories and tag Elizabeth and Kelly.Guest Bio:If you've got a brilliant brain but 47 tabs open - Kelly's your girl. She's a business coach and strategist who teaches overwhelmed entrepreneurs how to manage their time and turn their chaos into calm with simple, no-fluff systems that stick. Kelly's superpower? Turning “hot-mess energy” into laser-focused action with simple, proven strategies for the ambitious-but-exhausted business owner.Links and ResourcesLearn about the Success Squad with Kelly HERE Join the VIP Success Squad Waitlist HEREIf you want {FREE!} daily business coaching Monday-Friday in Instagram Stories, click hereCONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

Justin Allan Montgomery is a nurse practitioner by training but was able to retire at the age of 39 by growing and scaling a continuing education course business. He is a serial entrepreneur who has started multiple businesses including medical practices and course businesses with multiple exits. Now he utilized his expertise to help others start continuing education course businesses the right wayVisit www.procoursestart.com

Today's guest is Tracy Brinkmann, the host of The Dark Horse Entrepreneur – AI Escape Plan and Your Success DNA. A former military man and father of four, Tracy's story is pure grit — from battling addiction, losing his infant daughter, enduring divorce and bankruptcy, to rebuilding his life from scratch. He rose to lead corporate marketing teams, built two top-ranked podcasts with over 300,000 monthly downloads, and now helps small businesses generate a month's worth of revenue in a single week through AI-powered automation. Tracy doesn't just teach strategy — he embodies resilience, and he's here to help your audience transform adversity into unstoppable momentum.Visit DarkHorseEntrepreneur.comYour Success DNA Podcast: https://www.yoursuccessdna.com/

In today's episode, Gina shares methods for experiencing more peace and calm you can use during the holidays and beyond. The importance of understanding the "second arrow" concept is emphasized (the second arrow being the extra mental baggage and worry we attach to events in your environment, which we CAN have some control over). Slowing down and freeing ups time and space in our day are among some of the suggestions discussed. Listen in and know more peace and calm this holiday season!Please visit our Sponsor Page to find all the links and codes for our awesome sponsors!https://www.theanxietycoachespodcast.com/sponsors/ Thank you for supporting The Anxiety Coaches Podcast. FREE MUST-HAVE RESOURCE FOR Calming Your Anxious Mind10-Minute Body-Scan Meditation for Anxiety Anxiety Coaches Podcast Group Coaching linkACPGroupCoaching.comTo learn more, go to:Website https://www.theanxietycoachespodcast.comJoin our Group Coaching Full or Mini Membership ProgramLearn more about our One-on-One Coaching What is anxiety? Find even more peace and calm with our Supercast premium access membership:For $5 a month, all episodes are ad-free! https://anxietycoaches.supercast.com/Here's what's included for $5/month:❤ New Ad-Free episodes every Sunday and Wednesday❤ Access to the entire Ad-free back-catalog with over 600 episodes❤ Premium meditations recorded with you in mind❤ And more fun surprises along the way!All this in your favorite podcast app!Quote:Nature does not hurry, yet everything is accomplished.-Lao TzuChapters0:26 Holiday Swirl and Mindful Moments4:25 The Second Arrow Explained6:49 Tools for Calming Your Mind8:24 Creating Space for Peace10:45 Letting Go of Unnecessary Commitments12:31 Grounding Practice for the Rush15:20 Community and Shared JourneysSummaryIn this episode of the Anxiety Coaches Podcast, I delve into the challenges that often arise during the bustling holiday season, a time filled with heightened expectations and packed schedules that can leave our sense of calm feeling very distant. I explore the concept of the "holiday swirl"—that unique blend of excitement and overwhelm where our peaceful moments seem to dwindle. The focus today is about how we can consciously remove the internal pressures that transform joyful gatherings and errands into sources of significant stress.I introduce an essential tool in relieving that pressure: the principle of the second arrow. The first arrow represents the situation we find ourselves in—whether it's being stuck in traffic, waiting in a long line, or dealing with unexpected weather. This is simply life happening in real time. The second arrow, however, is the additional mental anguish we attach to these circumstances—thoughts of self-blame, anxiety over timing, or a sense of impending chaos. I want to emphasize that this second arrow, the rush and frantic mindset, is an optional addition to our experiences.The heart of my discussion encourages a shift in perception: the idea that breathing and embracing a slower pace can cultivate a sense of peace amidst the holiday fuss. I offer listeners a moment to pause, breathe deeply, and embrace the notion that “I'll get there when I get there.” This mindset is not an acceptance of defeat but rather an invitation to experience freedom from the pressures we place upon ourselves, resonating with Gandhi's wisdom that life is more than simply speeding through our tasks.#HolidayStress#AnxietyRelief#SecondArrow#MindfulnessPractice#EmotionalRegulation#SelfCareMatters#StopTheRush#PeacefulHolidays#BreathingTechniques#BuddhaBellyBreathing#Grounding#ProcrastinationHelp#Unschedule#MentalWellness#InnerCalm#LaoTzu#Gandhi#AnxietyCoachesPodcast#GinaRyan#PersonalDevelopment#StressManagement#ACPSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Approaching women in public is rarer than ever, which means if you can do it well, you instantly stand out.In this episode, Marni and Kristen break down the real “first impression” stuff that actually matters: your face, your eyes, your smile, your energy, and your tonality. You'll learn how to fix resting “don't talk to me” face, how to use subtle push-pull with expressions, and a simple way to practice on camera so women feel safe, curious, and open around you.Then dating coach Patrick James joins to share how to create attraction fast without overthinking your lines. Why being direct works better than “interview questions,” how to start conversations that feel natural, and the secret move that makes you stand out in under a minute: playful rapport breaks.>>> Want Patrick's exact playbook? Grab his book 107 Proven Ways to Get the Girl here: https://www.howtogetthegirlnow.com/>>> Become the most magnetic, witty and attractive version of yourself. Apply for Kristen's transformative coaching here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠kristenandchilldating.com/coaching⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>>> Get A FREE copy of Marni's Flirting Cheatsheet Here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠winggirlmethod.com/yousoflirty ⁠⁠⁠⁠⁠⁠⁠⁠

Joe DiChiara is a Certified Public Accountant and visionary entrepreneur with over 40 years of experience helping small business owners succeed. He is the founder and CEO of CPAi Business Builders, Bedrock Tax Solutions, and Bedrock Business Training, where he combines traditional financial expertise with cutting-edge AI tools to simplify and scale entrepreneurship.A #1 best-selling author, speaker, and podcast host, Joe has trained thousands of self-employed professionals worldwide and is on a mission to disrupt the accounting industry by delivering affordable, AI-powered business solutions. His passion is empowering entrepreneurs to overcome bureaucracy, eliminate overwhelm, and build businesses that truly work for them.Visit Joe's Website: www.cpaibusinessbuilders.com

Send us a textIf your Instagram growth feels stuck or you are posting without a clear direction, this episode gives you clarity fast. I break down the five Instagram growth hacks that are helping small business owners grow their accounts, tighten their messaging, and get more eyes on their work. Each strategy is simple. Each strategy is doable. Each strategy is relevant to your 2026 plan.I also share how these principles work inside Hot Reels, my high-touch content lab for business owners who want clarity, confidence, and a repeatable system that drives real results.What You'll Learn[00:00] Why your Instagram growth feels stalled [00:26] Five simple growth strategies that work in 2026 [07:16] Growth hack #1: Target market research [12:52] Growth hack #2: Narrow your focus [16:43] Growth hack #3: Trial Reels [21:19] Growth hack #4: Remixes [23:38] Growth hack #5: Talking head videos and stories [25:22] How Hot Reels supports you year-roundKey TakeawaysYour audience responds when you use their exact words.Clear focus helps the right followers see themselves in your message.Trial Reels remove guesswork and speed up your growth.Remixes help your reach when you add your own perspective.Talking head videos deepen trust and connection fast.Links and ResourcesJoin the Hot Reels waitlist or DM me hot on InstagramRead Dani's Story: How She Made $100K from Instagram in Under 12 Months (A Hot Reels Success Story)CONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

KUTE BLACKSON is a beloved inspirational speaker and transformational teacher. He speaks at countless events he organizes around the world as well as at outside events including A-Fest, YPO (Young Presidents' Organization), and EO (Entrepreneurs' Organization). He is a member of the Transformational Leadership Council, a select group of one hundred of the world's foremost authorities in the personal development industry. Winner of the 2019 Unity New Thought Walden Award, Blackson is widely considered a next generation leader in the field of personal development. His mission is simple: To awaken and inspire people across the planet to access inner freedom, live authentically and fulfill their true life's purpose.Join Kute in Balie for his Boundless Bliss Bali Experience - https://www.boundlessblissbali.com/Visit Kute's Website: www.kuteblackson.com

In this episode, Dr. Jockers dives into the importance of stomach acid for proper digestion and overall health. He explains how low stomach acid can lead to nutrient deficiencies, gut infections, and digestive issues like bloating and reflux. Dr. Jockers also shares simple at-home tests to determine if your stomach acid levels are sufficient.   You'll learn how stomach acid plays a key role in breaking down protein and absorbing vital minerals like magnesium, zinc, and iron. Without enough acid, your body can't effectively absorb nutrients, which impacts energy levels, skin health, and immune function.   Dr. Jockers also offers practical tips to improve stomach acid production naturally, including how to activate the vagus nerve and optimize digestion with simple lifestyle changes. By the end of the episode, you'll have actionable steps to support your gut health and boost nutrient absorption.   In This Episode:  00:00 Introduction to Stomach Acid and Digestion 00:31 Importance of Stomach Acid 01:39 Blood Sugar and Insulin Resistance 03:49 How to Test Your Stomach Acid Levels 04:00 Role of Stomach Acid in Digestion 10:31 The Steak Test 14:12 Apple Cider Vinegar Test 15:59 Baking Soda Test 17:21 Optimizing Stomach Acid Levels 21:04 Conclusion and Final Thoughts Ready to supercharge your metabolic health? BiOptimizers Berberine is a powerful, natural compound known for regulating blood sugar, supporting healthy cholesterol levels, improving liver function, and boosting metabolic balance. It's backed by research showing benefits for insulin sensitivity, lipid profiles, and reducing inflammation.   Order Berberine Breakthrough today at bioptimizers.com/jockers and save 10% with the code JOCKERS!   If you're serious about reducing your toxic load, I highly recommend upgrading to the P600 ceramic cookware. It's 100% free from Teflon, PFAS, and plastic coatings, ensuring a non-toxic cooking experience. Right now, you can get it for 50% off, plus an extra 20% off with the code SAFE20 at checkout! Don't miss this limited-time offer—head to chefsfoundry.com/jockers to claim your discount today!     "Low stomach acid is one of the biggest hidden drivers behind gas, bloating, and microbial overgrowth."  ~ Dr. Jockers     Subscribe to the podcast on: Apple Podcast Stitcher Spotify PodBean TuneIn Radio     Resources: Use code JOCKERS at bioptimizers.com/jockers to save 10% Use code Safe20 at chefsfoundry.com/jockers     Connect with Dr. Jockers: Instagram – https://www.instagram.com/drjockers/ Facebook – https://www.facebook.com/DrDavidJockers YouTube – https://www.youtube.com/user/djockers Website – https://drjockers.com/ If you are interested in being a guest on the show, we would love to hear from you! Please contact us here! - https://drjockers.com/join-us-dr-jockers-functional-nutrition-podcast/ 

If you're feeling the pinch from lower occupancy or slipping ADRs, it's time to get proactive. This week, we're diving into 10 revenue-boosting strategies you can implement immediately to increase your visibility, occupancy, and profitability—without adding stress. From pricing tactics to pet policies, these quick wins will help you maximize every booking. • Discover the overlooked upsells that can instantly add cash to your bottom line. • How gap-night extensions can fill your calendar and reduce unbookable dates. • The low-cost tech upgrade that slashes utility bills and boosts control. • Why going pet-friendly could dramatically increase your bookings. • Strategies to stretch your average length of stay—and your profits. Whether you're managing one unit or a growing portfolio, these 10 tips will help you earn more from every guest. Hit play and start optimizing your rental today! Check out our videos on YouTube: https://www.youtube.com/@ShortTermRentalRiches Grab your free management eBook: https://strriches.com/#tools-resources Looking to earn more with your property (without the headaches)? Chat with our expert management team: https://strriches.com/management-services/

Episode #136 of Work Comp Talk is here, and this one can literally change the outcome of your workers' comp case. Hosted by Carmen Ramirez and Attorney Bilal Kassem, this episode breaks down the real, practical, battle-tested strategies that every injured worker needs to know. These Top 5 Ways to WIN Your Workers' Comp Case could be the difference between getting denied… or receiving the full benefits, medical care, and settlement you truly deserve.  Whether you're new to the workers' comp system or already stuck in the middle of a frustrating process, this episode gives you the clarity, confidence, and guidance you need to move forward.    Takeaways:  The Kite case advocates for simple addition in disability ratings.  The Vigil case clarifies the use of simple addition for combined injuries.  Injured workers should ensure all body parts are included in their claims.  Choosing the right doctor can significantly impact recovery and case outcomes.  Fighting denials is essential; don't accept them without challenge.  Understanding your rights is crucial in navigating workers' compensation.  Communication between doctors and lawyers is vital for patient care.  Proactive advocacy can lead to better case outcomes.    Chapters:  00:00 Introduction: 5 Positive Ways to Win Your Case 01:36 Kite & Vigil Cases: Changing How Your Disability Is Calculated 06:00 Positive Way #2: Make Sure Every Injury Is Included 09:08 Positive Way #3: Choosing the Right Doctor for Your Case 13:21 Positive Way #4: Fighting Treatment Denials Without Giving Up 16:24 Positive Way #5: Understanding Your Rights in the Workers' Comp System   This episode is sponsored by Pacific Workers, The Lawyers for Injured Workers, the trusted workers' compensation law firm in Northern California. With over 10,000 cases won and more than $350 million recovered for injured workers, we are here to help if you've suffered a workplace injury.    Visit our FAQ and blog for more resources:  https://www.pacificworkers.com/blog/     Follow Us on Social Media for More Content!  

In this episode, I share with you eight proven, no-cost strategies to grow your audience - without spending money on ads. I believe that with consistency and creativity, you don't need a big budget to build reach. I walk you through actionable tactics: from podcast guesting and public speaking, to creative lead magnets and AI-optimized content. If you're looking for ways to grow your following organically, this episode is for you. Key Takeaways 1. Organic growth - without ads - is about long-term consistency, not quick wins. The strategies I share (guesting, speaking, collaborations, lead magnets, AI-optimized content) don't deliver instant overnight growth — but they build sustainable exposure, trust, and engagement over time. Because they leverage existing audiences and evergreen content, they can continue attracting new people long after the work is done. 2. Collaboration beats isolation: tapping into other people's platforms can grow your reach faster. By guesting on podcasts, speaking at events, joining bundles or summits, or collaborating with communities and peers, you get access to listeners/followers who already trust the host or community — which means you don't have to start building your audience from zero. It's a faster, more efficient way to grow an engaged audience than relying solely on your own channels. 3. Lead magnets and interactive content (quizzes, DMs, AI-optimized offers) turn passive interest into real connection - which builds deeper relationships and higher conversion potential. Instead of hoping people stumble on you, these tools invite people to take action — subscribe, engage, respond. That deepens their commitment and gives you a direct path to nurture them, rather than passively waiting. LINKS TO RESOURCES MENTIONED IN TODAY'S EPISODE Connect with Teresa on Website, (Grow, Launch, Sell), Sign up to Teresa's email list,  Instagram, LinkedIn, or Facebook, Subscribe to my Youtube, teresaheathwareing.com/quiz, http://teresaheathwareing.com/scoreapp Transcript Growing an audience is one of the most important things that you can do for your online business. And if like me, you're a little bit sick of social media and feel like you are posting into a void every single day, then you are going to want to stick around for this episode. As I explained to you the eight proven ways to grow your audience without paying any money on ads. If we've not met, my name is Theresa Heath Waring and I help course creators,...

Send us a textMost people lose their ideal audience in the first two seconds of a video. That tiny moment determines whether someone keeps scrolling or thinks this message is for me. If your content feels ignored or flat, the issue usually starts with your hook.If you want stronger engagement, better watch time, and more qualified leads from your content, this episode gives you the exact tools to make that shift.What You'll Learn[00:00] Why the first two seconds decide whether your content works [00:29] The reason hooks fall flat and how to fix them [01:32] Why hook creation is a learnable skill [02:28] How clarity and brevity help your message land [03:49] The three hook strategies I teach inside Hot Reels [07:05] Real client wins that show what is possible [08:59] Why attention leads to conversions [09:29] How to write hooks that speak to your ideal clients [12:15] How to remove filler words and sharpen your messaging [13:41] Examples of hooks that activate the right audience [14:39] How to use your audience's language when you write hooks [17:30] How to use client conversations to find better hook ideas [18:55] A simple hook structure anyone can follow [19:51] How pacing and editing keep viewers engaged [21:46] How movement, cuts, and angles strengthen your videos [22:17] Why implementation drives results more than informationKey TakeawaysYou have two seconds to earn someone's attention on Instagram.Clear and brief hooks outperform long and complicated statements.Your content resonates when you use the words your audience uses.Strong pacing and simple edits help people stay with your message.Small upgrades each week create major results over time.Support and mentorship remove guesswork and speed up growth.This Week's ChallengeChoose one hook strategy from this episode. Use it in your next reel, story, or carousel. Keep it short. Make it clear. Use your audience's exact words. Then post it without overthinking.Links and ResourcesJoin the Hot Reels waitlist or DM me hot on InstagramRead Dani's Story: How She Made $100K from Instagram in Under 12 Months (A Hot Reels Success Story)CONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

This post shares five practical strategies to enhance supervisor accountability in safety management without overwhelming them. Learn how to integrate safety into existing workflows, engage employees in safety tasks, and use regular safety huddles to foster a culture of safety excellence. These tips help reduce incidents, improve productivity, and build sustainable safety practices from the frontline up. See the full show notes at https://thesafetygeek.com/136 Time Stamps:00:00 Introduction: The Importance of Supervisor Involvement in Safety00:57 Personal Greeting and Seasonal Remarks01:23 Defining the Role of Supervisors in Safety03:06 Challenges Supervisors Face with Safety Tasks03:52 Tip 1: Integrate Safety into Daily Tasks06:14 Tip 2: Combine Safety with Quality and Operations08:32 Tip 3: Shadow Supervisors Regularly09:51 Tip 4: Empower Employees to Lead13:25 Tip 5: Conduct Regular Supervisor Meetings17:27 Conclusion and Call to ActionThank you for taking the time to listen to this episode. If you liked it, be sure to share it with your best safety friend. It's a goal of The Safety Geek to elevate the role of the safety manager, and that is why I share tips and resources on how you can manage your safety program more effectively. Visit the website at https://TheSafetyGeek.com Subscribe to the YouTube Channel at https://www.youtube.com/c/safetygeek Sign up for the Safety Leadership Newsletter, where I share exclusive tips, content, forms, and templates at https://TheSafetyGeek.com/Newsletter Follow me @ Facebook: https://www.facebook.com/TheSafetyGeek LinkedIn: https://www.linkedin.com/in/brye-sargent/ Instagram: https://www.instagram.com/safety_brye/ Pinterest: https://www.pinterest.com/thesafetygeek/

There isn't one formula for a Probate Real Estate Business...there's a landscape.Some agents lead with relationships and build steady referrals.Others prefer systems: consistent mail, structured calls, or ISAs managing first contact.Each path works for a different reason, shaped by personality, timing, and focus.In this discussion, Bruce Hill maps out five approaches that agents are using right now to build predictable probate pipelines:1️⃣ Referral-based partnerships2️⃣ Mail-focused outreach3️⃣ Call-forward strategies4️⃣ Combo models blending mail and calls5️⃣ Automated ISA setups for scaleYou'll hear where each model fits, what challenges come with it, and how other agents shape their business around it.By the end, you'll know which setup makes the most sense for how you actually like to work.⏱️ Timestamps4:23 — Different Business ModelsOverview of how five models fit into the Probate Real Estate Business landscape.28:36 — ISA Valuation & KPIsHow performance tracking keeps ISA roles fair and productive.47:44 — When Clients Can't Afford MaintenanceHow service-first gestures build credibility that leads to listings later.

Keith discusses seven ways to get a lower mortgage rate, emphasizing the historical impact of the 1940s GI Bill on homeownership and wealth creation.  Caeli Ridge, founder of Ridge Lending Group, digs into smart tactics like adjustable rate mortgages, DSCR loans, and down payment options, plus insider tips on boosting your creditworthiness, timing your rate lock, and planning ahead so you can maximize your returns.  They also explore trends like 50-year mortgages and portable mortgages, and the benefits of FHA and VA loans for first-time buyers.  Resources: Want expert guidance on your next real estate investment or mortgage? Reach out to Ridge Lending Group for personalized support and a full range of loan options—whether you're a first-time buyer or seasoned investor. Visit ridgelendinggroup.com or call 855-74-RIDGE to take your next step! Episode Page: GetRichEducation.com/582 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, seven ways you can get a lower mortgage interest rate. We'll break them down loan types available to you that you never heard of, and learn how the 1940s GI Bill shaped the mortgage that you get today on get rich education   Speaker 1  0:22   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 guests include 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  1:07   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. You Keith,   Keith Weinhold  1:23   welcome to GRE from the Romanian Black Sea to the Egyptian Red Sea and across 188 nations worldwide. I'm Keith Weinhold, and this is the indefatigable get rich education before we discuss the seven ways that you can get a lower mortgage rate and more in the 1940s before my dad was born, the GI Bill gave veterans returning from World War Two access to cheap home loans, and that single policy decision might have done more to shape the modern American Housing landscape than Anything else in the last 100 years. Think about it, millions of young men, almost kids, really had just spent the better part of their early adulthood in Europe or the Pacific. They came home, married their sweethearts, started families, and suddenly America had this booming demand for housing, but demand alone doesn't build homes. You also need money. You need access to credit, and that's where the GI Bill stepped in. It didn't just thank returning service members for their sacrifice. It handed them something way more powerful, the ability to buy a home with little money down a low interest rate and underwriting standards that would frankly look like a fantasy today, that access to credit sparked one of the biggest housing booms in American history. You had these entire suburbs that sprang up overnight, Levittown in New York, Lakewood in California. These were master planned communities, and they really became a blueprint for Post War America. We had the booming 50s, and this had a lot to do with it. Here's the part that most people don't understand. This wasn't just about housing. This was about wealth creation, because for better or worse, home ownership has been the primary wealth building vehicle for the American middle class these past 100 years, when you give millions of people a subsidized path into property ownership, you're not just giving them a roof. You're giving them equity appreciation, leverage, tax benefits. You're giving them the engine, this flywheel that spins up generational wealth in a lot of ways. The GI Bill is the earliest institutional example of what I at least tell you here on the show, real estate pays five ways. Now they didn't call it that in 1947 but that's exactly what it was. Veterans earned appreciation as suburbs grew. They had amortization working for them, they collected tax advantages. Inflation slowly eroded their fixed rate mortgage balances too. And here's the thing, these weren't even speculative investments. They were homes that they lived in. Now, of course, the GI bill wasn't perfect. It expanded opportunity for millions of people, but it excluded a lot of people too. Lenders and local governments often blocked black veterans and other minorities from accessing the same benefits. That's a whole story unto itself, but the takeaway for today is, when you combine demographic momentum with favorable financing, you can remake a nation, and that's why housing policy still matters today, which we'll get. Two shortly, when you change access to credit or just tweak it, you change the trajectory of families and markets for generations, and the GI Bill proved that. So when we talk about interest rates, affordability, supply shortages, or any of the high frequency housing data that we cover here, remember that the stories aren't just about numbers. They really are about people. They're about giving ordinary Americans the chance to build wealth the same way that those World War Two veterans did through ownership, stability and the quiet compound leverage, not compound interest. Compound leverage that real estate delivers over time.    Keith Weinhold  5:49   I'm bringing you today's show from, I suppose, a somewhat exotic location. I am inside Caesar's Palace, which is right near the very middle of the famed Las Vegas Strip, that's where I'm at. The hotel staff is always accommodative of the show setup. This might seem a little strange to you, because I'm not a gambler. The reason I'm here is that my brother lives 25 minutes away, and I've been with him during Thanksgiving. Next week, I'll bring you the show from Buffalo, New York, and then two weeks from now, I have something heart warming to tell you about that, and it is a real estate story. I'll be broadcasting the show from upstate Pennsylvania. I'll be there to visit my parents. My brother's also coming in from Nevada to be there. That's where the four of us, mom, dad, my brother and I will sit around the same dining room table in the same kitchen of the same home that my parents have lived in since the 1970s nothing has changed, and all four of us know our spots at the table. And actually, it's not even called the dining room table. It is the supper table, as my parents call it so, from flashy Caesar's Palace today to Buffalo and then to Appalachian simplicity in Pennsylvania, the stability and continuity of my parents living in the same home and four wine holds sitting around the table during the holidays, it is so rare. I imagine less than one or 2% of people can do this. I'm just profoundly grateful and proud of Kurt and Penny Weinhold for being the best, most stable parents I could have asked for. It's almost too much to ask, and if you don't have that in your life. Ah, you can do something about that. You can provide the same decency and stability for your children.    Keith Weinhold  7:50   Let's talk about seven proven ways you can get a lower mortgage rate with this week's terrific guest. Though, we'll focus on investment properties. A lot of this applies to primary residences as well.   Keith Weinhold  8:07   We are joined by the founder of the lender that's created more financial freedom for real estate investors than any other mortgage originator in the nation, the eponymous Ridge lending group. And though that sounds impressive, my gosh, she didn't even need that introduction for you the listener, because she's one of the most recurrent guests in show history. Welcome back to GRE Caeli Ridge,   Caeli Ridge  8:30   I am delighted to be here as always, Keith, thank you for your support and acknowledgement. I love what you do, and I'm hoping that I can bring more value today to your listeners in what it is that we do, educating the masses, right?   Keith Weinhold  8:42   You've been doing that here for about 10 years. And yes, we're talking about a woman with a reputation for writing emails in all caps, yet still maintains a great relationship with everybody. I mean, congrats, shaile. I couldn't possibly pull that off myself.   Caeli Ridge  8:58   Thank you, Keith. And you know, I'm going to stay by my all caps, man, it's a speed thing. It all boils down to the number of seconds in the day that I can just move quickly through an email. Yeah, I love my all caps.   Keith Weinhold  9:09   Apparently recipients are still replying, well, you can get a lower mortgage rate in at least seven ways. You can get an adjustable rate mortgage, do a midweek lock in, negotiate seller credits. Have a high credit score. Do a two one buy now, which is kind of old school, but some home builders are using it boost your DTI or buy now, not later. Those are some of the strategies for lowering your mortgage rate. What are your thoughts with regard to that?   Caeli Ridge  9:39   I think all of those are viable. I would just say on the adjust for a mortgage. The pushback I would give there is, is that for residential property, specifically, single family, up to four units, we are not finding that spread between the arm and a 30 year fix. We've been the industry as a whole, secondary specifically been on the inverted yield. Now this gets a little tough. Nickel, and I won't go down that rabbit hole, but 08, 09, the housing and lending crash created an environment within secondary markets where an inverted yield has made a 30 year fixed mortgage more favorable in the rate department. Now that's not always going to be the case. I am a huge fan of the adjustable, but what would work right now is an adjustable with the all in one not to take too much time on that topic, but that would be an adjust rate mortgage that I think would save interest or reduce the rate of which interest is accruing,   Keith Weinhold  10:30   the all in one loan, which we discussed extensively back at the beginning of this year here on the show. Long term, though, I have seen adjustable rate mortgages work for a lot of people, because really, the compelling proposition of the arm is that it guarantees that you get a lower rate in the near term, and yet there's only a chance that you're going to have a higher rate in the long term   Caeli Ridge  10:53   and further. Let's I mean, let's dissect that a little bit. I am a huge proponent. I love an adjustable rate mortgage when the arm is pricing a half or a full percentage point plus over a fixed especially for non owner occupied and the reason for that is, and this is statistically speaking, feel free to look this up, guys, the average shelf life of a mortgage for an investment property is about five years. Great point, right? And we know that if that's the case, right, we're refinancing to harvest equity. We're refinancing maybe to reduce an interest rate from where the market was before, et cetera, et cetera. So that would be the first thing I would say. And then also remember, you guys the first 10 years of an amortized mortgage, 30 year fixed, amortized mortgage, how much of that payment is going to the principal? Because people will often push back by saying, well, either an interest only, or an adjustable and what happens if it changes or it goes up? Most of your payment is going to the interest anyway, and that reset to harvest equity. Borrowed funds are non taxable. We always say that, right? I think it's fully justified. So I love an arm, I just don't know, in comparison to a 30 year fixed today, like a five year ARM versus a 30 year fixed we are in a place that it makes sense, but normally, to your point, absolutely. Fan   Keith Weinhold  12:06   that spread needs to widen for the arm to make more sense. What about doing a mid week rate lock in? Is that a thing?    Caeli Ridge  12:13   Yeah. And you know, I don't have any empirical evidence here. Okay, I don't have any data points that actually prove this, except for 25 years in the business and locking loans every day of my life. There's something about a Monday and a Friday. And I have some conspiracy theories. I don't know that. I it's necessary to share them here, but midweek locks tend to be more favorable in both points and interest rate than you'll find on a Friday and a Monday. I think largely it has to do with, you know, the stock exchanges shutting down for the weekend, right? You got a Friday, you got two days in between. You got foreign markets, and all the things that can explode and happen during that amount of time. So I think they hedge a little bit. So on Friday, going into the weekend, I think that there's something about that and why interest rates are a little less favorable. And then Monday, of course, coming off the weekend, similarly, maybe there's some truth to that too.   Keith Weinhold  13:02   Now, negotiating seller credits has really been a trend to help with affordability. Tell us about specifically what you're seeing there, what's common.   Caeli Ridge  13:11   So we're talking to investors. I can tell you that the loan products you guys are going to have access to are going to cap you, okay, you're going to cap at, per guideline, 2% of the purchase price. Okay, remember that your points that you're paying when you get into locking an interest rate are going to be calculated on the loan size, all right. So the first thing to know is seller paid closing costs, maximum is going to be 2% per underwriting guidelines. That 2% is based on your purchase price. Anything that you're paying points for is going to be on the loan balance, the loan size, so there's going to be a little extra there for you that can contribute or can pay for some other closing costs, right, depending on the numbers. Now, if you're smart enough, or lucky enough, or whatever, the market is viable enough that you can negotiate more than 2% from the seller to pay towards closing costs, you're going to be limited on what you can do on the loan side. But let's say that you go and you've negotiated 4% seller will pay 4% towards your closing costs. Then in that case, you can reduce, you got the two points that you're allowed per guideline. And then you can reduce the purchase price by the difference you don't want to leave that money on the table.   Keith Weinhold  14:15   That's how it's done. And then there's just simply having a higher credit score. What's the highest credit score that really helps you get the lowest mortgage rate for both primary residences and non owner occupied properties. Loan product   Caeli Ridge  14:29   type dependent. But I would say overall, 760 and above is kind of that threshold. There are products that go 780 maybe even on the rare occasion, 800 and above. If I had to pick a number as the absolute pinnacle, I'm going to go 780    Keith Weinhold  14:41   All right, so having a credit score above those thresholds really doesn't help get you a lower interest rate. It's really just a little flex that you've got an 811, credit score, or whatever it is. Now the two, one buy down. That's something that we used to see long ago. A few home builders are bringing it back. And what that does it allow? Homebuyers to pay a lower interest rate for the first two years with the seller covering the difference, and that allows the seller to get their price. They don't have to lower the price of the home at all. But the two one buy down, and you see that written, two, one that has been employed more recently. Tell us about that.    Caeli Ridge  15:18   Well, the builders are struggling in some cases, right? The affordability buzzword is all over the place. So they've had to get creative and find ways in which they can move their inventory. So I think they've done a good job at kind of shaving off some of their margins to satisfy or improve the terms for the consumer. So I like the two. One, if you can get it   Keith Weinhold  15:37   now, one can boost their DTI as well their debt to income ratio and Taylor. When we've talked about that before, we've usually talked about reducing your debts in order to improve your DTI. However, a lot of people don't think about the fact that, oh, well, you can increase your income that lowers your DTI to help you qualify. So tell us what is the max DTI that you can have   Caeli Ridge  16:00   maximum debt to income ratio, in most cases on a full dock loan is going to be 50% now, depending on the type of income that you earn or that you've demonstrated, how you calculate that can get a little bit tricky. But if you're just a straight w2 wage earner, we don't have, you know, commissions or bonuses or anything that we consider variable income, then you just take your gross income times 50% whatever that number is, all of your liabilities on the credit report, we do not count ordinary living expenses like food and gas and utilities and cell phone bills. It's the minimum payments on the credit report. As long as whatever that add up is fits within that 50% you're good to go.    Keith Weinhold  16:37   Now, when it comes to improving our DTI to get a lower mortgage rate, I tend to think it's easier to knock out some debts to improve your DTI. But what about the other side of it? What about increasing your income to improve your DTI, lower your mortgage rate and qualify? Can you talk about some of the strategies for increasing your income with respect to DTI?    Caeli Ridge  17:02   Absolutely. And the biggest one, I think that we probably want to focus on most is going to be on a schedule E, right? That's the one that you're going to have more control over. So when we talk about rental income and how we might be able to boost that first, it might be important to share that there are two ways in underwriting that we will calculate or quantify rental income. The first way is called the acquisition year formula. I'll give you that in just a second. It's very easy, but the way I think we focus on here, because acquisition year is going to be what it is, you're going to have very little ability to manipulate or change that once our rental properties fall on our tax return, specifically the Schedule E of a federal tax return, you as the taxpayer or the borrower are going to have some access to maximize or increase the income, or, let's actually get a little bit more granular there to maximize the gain or minimize the loss, by means of depreciation, maybe a cost seg, maybe we make sure that one time, extraordinary expenses are demonstrated on the tax return in the appropriate way so that underwriting can add those things back. So I know that this sounds technical, but the scheduling is the way that I would say is the easiest for an investor to maximize income, reduce debt to income ratio. And I will close by saying that ridge lending, I think one of our most valued value adds is the ability to help our clients look at their draft tax returns on an annual basis and present them with, Hey, listen, Mr. Jones, if you file this way, this draft tax return, if it files this way, this is what it means to your debt to income ratio. Here's my advice, right? We go into a lot of depth there with our clients.   Keith Weinhold  18:39   That is a smart, long term planning piece that most mortgage companies are not going to give you. They're not going to be forward looking, looking out for your next three years of growing your income property portfolio. And shortly, we'll talk about a way for you to qualify loans where you don't have to show tax returns or W twos or pay stubs. But while we're talking about how to get a lower mortgage rate and some creative ways to do that, I brought up, buy now, not later. And what do I mean by that? What I mean is say, properties appreciate even 3% over time. Buying now, I mean that is going to net you more equity if you buy now rather than waiting, than it would in the savings from a rate drop, when you look at the appreciation run up, however, if rates go up, then you get both the lower price and the lower rate by buying now, not later.   Caeli Ridge  19:32   And I would add to that, we have to remember that in addition to a very modest 3% in the home appreciation, we should be appreciating our rents at even a modest 2% a year, right? Depending on where you are, et cetera. I know that there's exceptions to the rule. And then finally, we got to add in that tax benefit, what you're going to get in your deductions, et cetera, et cetera.   Keith Weinhold  19:51   Yeah, great point. Well, I brought up seven ways that you can get a lower mortgage rate. Can you share a few more with us? Some common ones? Because I know. That almost everyone that calls in there wants to inquire about mortgage rate as well.    Caeli Ridge  20:03   Everybody wants, yep, everybody wants to talk about the rate, despite my vervet opposition to say, do the math. Do the math. Do the math. You know, the easiest one there would be buying down the rate. I'm going to try and formulate an example. Let's say you've got a really high wage earner and in the thick of their earning years, and they're trying to prepare for retirement down the road. It's a longer term burn. They desperately need tax deductions, and the deal that they're looking at, yeah, it's okay, but they want some extra expenses on the Schedule E, maybe they buy the rate down by three even 4% because points on an investment loan transaction are tax deductible, so that might be something, and they obviously benefit from the lower interest rate. Now I may push back on this, and I think again, I know I sound like a broken record here, but we really need to do the math. What are we getting versus what are we giving up to get a 6% or five and a half percent interest rate? What does that mean in real, tangible cost, and what's that? Break even? It's actually a fairly simple calculation. When you just divide the difference in what you're getting versus what you're paying for, and that'll give you the number of months that it takes to recapture the incentive versus the expense. But that would be the easiest one. Keith, I would say buying down points, using paying additional points to get that lower interest rate,   Keith Weinhold  21:20   buying down your rate. It could feel good in the short term, but it's often not the best long term or even intermediate term move when you do the math, as you always like to say, well, you the listener here, you know that you can qualify for mortgage loans, for rental properties without needing a w2 without needing a pay stub and without even needing to show tax returns, because you need all those things for a conventional loan, but for a DSCR loan, debt service coverage ratio, you don't. So talk to us about the pros and cons of a DSCR loan versus a conventional   Caeli Ridge  21:53   loan. Okay? And I've got a hook here too, because I think the listeners are gonna be very, very pleased to hear at the end of this statement, what's happening with DSCR in conjunction or comparison, rather to the conventional so DSCR everybody means debt service, coverage ratio. It's a very simple formula. We are going to take the gross rents and divide it by the principal and interest and taxes and insurance and association. If it applies, that's it.   Keith Weinhold  22:18   $1,000 in gross rents, $800 in p i, t i, that yields a DSCR of 1.25 Correct?   Caeli Ridge  22:25   Yes, you're absolutely right. The one that I use as I, just to keep it simple, is 1000 rents, 1000 piti. That's a 1.0 right? As long as the gross rents are equal or greater than the p i, t i, you're going to be in a position to get the more favorable rates. Now that's not to say that we can't go below a 1.0 ratio. You can actually have a property, we have products that will allow the DSCR to be a point seven five. That would mean, in this scenario, if you had rents, gross rents of 750, and the piti was 1000 you can actually get that loan done. That is allowed. The rate gets a little bit hairy. So more often than not, we're at the 1.0 and above. So this is just a really great way for investors who are either recently self employed, maybe they're adjusted gross, they just write everything off for reasons that you can imagine. Why? Right? They don't want to pay the taxes. It could be 100 different reasons. The DSCR option is such a great solution to provide a 30 year fixed mortgage same same similar leverage, if not sometimes even better than a Fannie Freddie, than a conventional loan, you can usually leverage a little bit more, in some cases, on a DSCR like a two to four, for example, two to four unit residential property, Fannie Freddie, they kind of cut those loan to values a little bit, and the DSCR loans don't care about that. So you can get the same leverage as a single family would in a DSCR. The only other primary difference is these DSCR loans are going to come with prepayment penalties. Typically, the standard is about three years, but we're usually not refinancing in the first 36 months. Anyway, if you know that that's applicable to you, then you'd have to buy the prepay down or out, which you can do otherwise. DSCR is amazing. Oh, and I'll give you the little hook here. So something I have observed this is maybe very recent 4550 ish days, the margin for interest rate difference between conventional and DSCR is really starting to narrow. DSCR products are really performing well, and that interest rate improvements that we've been seeing for those products is not far off from what the Fannie Freddie's are, and I've even seen examples where DSCR beats a 30 year fixed Fannie Freddie rate. Now those are for the higher loan amounts. I can explain if you want, but otherwise, that's good news.   Keith Weinhold  24:36   Okay, this is really good news. It's a time in the cycle where dscrs could very well make sense for you without that huge documentation Shakedown that you need with W twos and pay stubs and everything else. There are a lot of nascent trends in the mortgage industry, and we're trying to separate some of them from being rumors, from being something that can truly happen. We're talking about 50 year mortgages and poor. Affordable mortgages. More on that. When we come back, you're listening to get rich education. Our guest is Ridge lending Group President, Chaley Ridge   Keith Weinhold  25:07   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program. When you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest, start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom. Coach, directly, again. 1-937-795-8989,   Keith Weinhold  26:18   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage, start your pre qual and even chat with President Chaley Ridge personally, while it's on your mind, start at Ridge lending group.com, that's Ridge lending group.com   Dana Dunford  26:50   this is hemlanes co founder, Dana Dunford. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  26:58   welcome back to get rich education. We're talking with Ridge lending Group President and Founder, Chaley Ridge about how you can get lower mortgage rates, and also about some trends in the industry, separating what's really a rumor in what could really happen squaring on 50 year mortgages and portable mortgages, those are both things only being discussed by the administration to help with affordability. FHFA Director Bill Pulte created some jarring news recently when he publicized this. What are your thoughts on the 50 year mortgage?    Caeli Ridge  27:39   You know, on a primary residence basis, I'm not so sure I need to maybe put some more thought into that. But for an investment property, I love it. Man, anything to keep that payment down so that, because, remember, we talked about earlier in the show here the percentage of mortgages, let's just use our 30 year fixed for a second that for a rental property that start on day one and then stroke a check 360 times later to pay that to zero. Is a fraction of a percent right? We are refinancing these things. We are selling them and doing 1031 exchanges. So anything that can keep my cash flow higher and my payment lower, I am all for it. Now, the people that push back and say, Well, I want to pay off my mortgage in 15 years. I don't want to pay extra interest, you are welcome to do that. So there's a second piece to this that I think is equally as important as maximizing cash flow, and that is your qualification. All right, if this comes to pass, and right now, it could just be noise, okay, and I'm speaking specifically for investment property, but if this is available to us, the debt to income ratio component, because think about it like this. So I'm going to keep using my 15 year and my 30 year, because that's kind of what we understand. The payment difference between a 30 year 360 month and a 15 year 180 month can be substantial depending on the loan size. I mean, it can be hundreds and hundreds of dollars for the individual that is dead set and say, I don't want to pay the higher interest. I want to pay these things off. We may have arguments about that whole strategy to begin with, but overall, if they still want to do that and that's their decision, Fine, take the 30 year fixed payment. Take the 30 year fixed mortgage. Apply the difference. You can figure out that payment difference very easily. Apply it religiously. Every month. You will cross the finish line in about 15.4 years. Download an amortization calculator online. You can find them everywhere. Plug in your numbers, and you'll see what I'm talking about. If you were to do this, let's say the difference is 200 bucks a month, and you send it in every month with your 30 year fixed mortgage payment, you will cross the finish line to pay that thing off in about 15.4 years. So yes, you'll pay a few extra months of interest. But what have you done to your qualifications, right, your payment now on your debt to income ratio, when we're looking at this thing for a future optimization, never take the shorter term amortization, ever, ever, ever, you won't pay the higher interest that the 30 year or the 50 Year will probably come with because you've accelerated the payoff so long, if that's your choice. Now for everybody else that really wants. To maximize that cash flow. And they get that, they're going to be refinancing this every five, six, whatever it is, years take it, man, I am all for the longer term amortization on a rental.   Keith Weinhold  30:10   I agree with you. I even like the 50 year on a primary residence, but yeah, Chaley, right here on the show, several weeks before Bill Pulte made the announcement, I actually talked about the 50 year mortgage and compared it to the 30 and the reasons that I like it because I knew there was a chance it could be coming, since this administration is trying to do so much to help out with affordability, people buy based on a payment, not a price that lowers the payment. A 50 year mortgage helps you benefit from inflation, and there are a lot of other advantages that have to do with that, although you probably are going to pay a higher interest rate on a 50 than you would a 30. And you know, Chaley, when the 30 year mortgage had its Advent just after World War Two, I'm going to guess 75 years ago, people were having this same conversation like, oh, 30 years, my gosh, you're never going to pay off the home. And really, that's not what it's about.    Caeli Ridge  31:01   Not at all, not at all. And remember, you guys, I would encourage everybody listening to this to actually go get that amortization table and see how much interest is baked in and how it is applied and paid. It is the back end of any of these amortized mortgages where the principal actually starts to get applied in a meaningful way. The 50 year mortgage, or the longer term amortization is a huge advantage. I'm speaking for investors. Mostly. I love it.   Keith Weinhold  31:26   Some people say, are you nuts? Look at how much more interest you're paying over the life of the loan on a 50 year mortgage versus a 30 year mortgage. We already touched on that you're not going to keep that loan for the life of it, and if you just take the difference from the lower payment that a 50 Year gives you, and invest that in 8% return, you are going to crush 2x to 3x oftentimes, what the paltry interest savings are over several decades,    Caeli Ridge  31:26   and somebody else is making that payment right. We have tenants that are responsible   Keith Weinhold  31:47    100% and then there's something that I don't know if portable mortgages would fly. And what this means is that when borrowers move, they could keep the rate, keep their term and keep their lender, presumably for the new home you might have seen it in the news. You the listener that Fannie May remove the minimum credit score requirements from desktop underwriting. And Chaley, I think you let me know elsewhere that those changes don't affect non owner occupied, but of course, it could affect the broader housing market in pricing. What are your thoughts about lowering the credit score requirement   Caeli Ridge  32:28   so similar to the portable stuff, until it really reaches mainstream and it affects the non owner occupied I'm not deep diving into those things. The basis of it, though, is, is that, yeah, they're removing that minimum credit score requirement from a du underwrite that stands for desktop underwriter, as you said, that is Fannie Mae's sophisticated, automated underwriting system, and I think it's just going to give more eligibility to lower income households and people trying to become homeowners that have found the barrier for entry very restrictive because They have credit issues.    Keith Weinhold  33:00   Well, let's talk about FHA and VA loans, something that we have rarely, if ever touched on. Our listeners know that I started out making my first ever property of any kind, an FHA loan with three and a half percent down on a fourplex, living in one unit, renting out the other three. Tell us about some trends there in FHA and VA loans   Caeli Ridge  33:21   we actually just did house hack campaign. We did a webinar on it, co living, all those different ways in which, you know, the younger generation, especially, and this is true for anyone. I don't want to pigeonhole it, can get themselves into home ownership and propel them into the real estate investing as an asset class. I am such a big fan of this model, in this strategy, for anybody that's interested and willing to kind of coal mingle or habitat, like you did a four Plex at three and a half percent down, you've got three tenants that are making your mortgage payment. VA, likewise, any of the Gubby loans, which include VA, FHA, USDA, you can get high, high leverage and up to four units. So I'm a huge fan of that. And then the CO living is another thing that I think is not quite mainstream, but I think it's gaining steam    Keith Weinhold  34:09   for those that don't know what we're talking about, you can use an FHA loan with a three and a half percent down payment, as long as you live in one of the units, your credit score can even be pretty low, and you can do that with a single family home, duplex, triplex or fourplex. You can get those same benefits with a VA loan and zero down   Caeli Ridge  34:29   USDA also zero down if you're in the right zip code. How does one qualify for a USDA loan? You know, there's a website I would have you check out. We don't do a ton of those. We have the ability, of course, but there's income restrictions and all of this. They've got, actually, a pretty slick website where you can go online, type in the zip code, make sure it's in a rural area, what your income is. There's all these inputs, and it'll tell you if you'd be a candidate for it. But yeah, it's good. Rates zero down. I like the product.   Keith Weinhold  34:56   Well, there have been a lot of newsy items when it comes. Comes to mortgages. Caeli and I think we should drop back before we're done here and talk about the basics. Just basically, what does it take to get a non owner occupied loan for residential income property?   Caeli Ridge  35:12   You know, there's so many options for investors today that I would say that if you have access to and even with what we just said, house hack. I mean, listen, if you've got 3% down, three and a half percent down, you can probably assure yourself you can get into a property. And if you can't qualify from a income debt to income ratio perspective, you've got three or four other models, which include DSCR, bank statement loans, asset depletion loans, overall, I would say that this is an individual conversation. Chances are you could probably qualify today, and if you can't, one of the things that I love about Ridge lending is, is that we're going to help you plant the seeds and show you how to qualify. If it takes you three months or six months or a year, that's what we do.   Keith Weinhold  35:56   Yeah, we've definitely noticed the difference here and that you do help that investor with long term planning? I do my own loans at ridge, and my assistant here at GRE she recently got the ball rolling with you in there at Ridge as well.   Caeli Ridge  36:11   Brenda, yes, yes, that was fantastic. We are very looking forward to helping her.   Keith Weinhold  36:16   Well, you know, chili, I've come here with a lot of questions that I had. What's the question No one's asking you, but you wish that they would.   Caeli Ridge  36:25   I think it probably would be for me, planning. You know, we get a lot of questions about interest rates. That's kind of top of mind for everybody. More about planning, having people that are interested in real estate as an asset class and an investment have the conversations to say, this is where I'm at today. This is where I'd like to be in five years. Tell me how to get there, and we can have those high level conversations that really sort of reverse engineer it and say, Okay, this is where you stand today from an underwriting perspective. This is where you need to be, and here's how we're going to get you there. It's always about planting seeds and creating those roadmaps, as I like to say so I would say that that would be top of my list.   Keith Weinhold  37:02   That's exactly what you do in there, and that's really what sets you apart. Well, remind our audience how they can get a hold of ridge.   Caeli Ridge  37:11   Yes, there's a couple ways. Of course, our website, Ridge lending group.com Please email us info at Ridge lending group.com and then call us toll free. 855-747-4343, 855-74-RIDGE  is an easy way to remember.   Keith Weinhold  37:25   It's really been valuable this time. Chaley, thanks so much for coming back onto the show.   Caeli Ridge  37:29    Appreciate you. Keith.   Keith Weinhold  37:36   Oh yeah, good pointed info from Chaley over at Ridge, I think that the important things for you to remember from our conversation is that, gosh, isn't it so glaring like in your face that you have options. All these options when you engage with a lender, you're going to learn that there are probably loan programs that you've never even heard of, some that you might fit into and even if you aren't adding more property, if you're not in that phase, there are ways that you can take your existing loans and consolidate them or refinance them, or use them to produce a tax free windfall for yourself and the US is often the envy of other world nations with the flexibility that we have here in our mortgage market. I've never known anyone that does this better than Chaley and her team. I mean, they are real difference makers. If you learn something on today's show, hey, Don't hoard the good stuff. Engage in the nicest kind of wealth redistribution. Tap the Share button right now and share this on social, or text this episode to one friend who'd appreciate it. That would mean the world to me. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  38:57   Nothing on this show should be considered specific personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively   Keith Weinhold  39:25   The preceding program was brought to you by your home for wealth building, getricheducation.com  

Send us a textWhat if one year from now you could double your prices, expand your brand, grow your Instagram from under 2,000 followers to more than 22,000, and add more than $100,000 in revenue to your business.That is exactly what happened for my client, Dani Alvarez.When Dani and I first met, she was a homeschooling mom of three running a small farm in Northern Colorado and posting the occasional photo on Instagram. She did not know how to post a reel. She felt stuck and overwhelmed. She wondered if Instagram was even worth her time.Fast forward twelve months, her videos have hit millions of views. Her business has transformed from the inside out. Her brand is clear, elevated, and profitable. And she has added an entirely new revenue stream because of her visibility on Instagram.What You'll Learn[00:00] Dani's growth from 1,800 to 22,000 followers [00:26] Why she almost quit Instagram [00:56] How we doubled her prices [03:20] How Sparrow Hill Beverage Burros began [07:05] When she saw she needed a real strategy [08:26] What we fixed before reels [09:21] Her first bride at the new rate [10:49] Learning reels for the first time [12:43] Daily reel commitment [14:38] Facing the fear of showing up on camera [15:58] Filtering out conflicting advice [17:20] The reality of the first ninety days [19:18] Her first viral reel [24:40] Visibility driving bookings and revenue [30:45] Unpredictable opportunities from social media [32:05] Dani's advice on joining Hot Reels [34:23] Why strategy plus encouragement transforms resultsGuest BioDani Alvarez is the founder of Sparrow Hill Beverage Burros and Friends, a Northern Colorado wedding and events business featuring highly trained mini donkeys and farm animals. She is a former elementary teacher turned entrepreneur who built her business from a small family farm while homeschooling her three children. Dani has grown her Instagram to more than 22,000 followers, added over $100,000 in revenue in one year, and now co-runs a global coaching program for farms wanting to add luxury beverage animals to their offerings. Her work blends hospitality, joyful experiences, and intentional brand storytelling.Links + ResourcesFollow Dani on Instagram: @sparrowhillbeverageburrosBook the Beverage Burros or stay at the Airbnb: farmatsparrowhill.comJoin the Hot Reels waitlist or DM me hot on InstagramCONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

Send us a textIn this episode, I go deeper into the visibility work we started last week. I explore two blocks that show up for every entrepreneur I know: imposter syndrome and perfectionism. These patterns often present as hesitation, overthinking, procrastination, or feeling like you need everything perfect before you show up online. I share how they show up in life and business, how they have shown up in my own journey, and how you can move forward with confidence even when doubts and fears are present. I also talk about the power of DM automation and how it keeps your business running even when you step away from your phone.What You'll Learn[00:00] Why visibility work matters and why hesitation usually comes from deeper blocks [00:28] Introduction to imposter syndrome and perfectionism [00:59] My mission to help entrepreneurs get visible and monetize on Instagram [02:07] How DM automation allows your content to drive leads while you are offline [03:03] How keywords in comments or DMs trigger links and next steps automatically [08:43] How imposter syndrome signals growth rather than weakness [10:12] The emotional journey leading up to speaking at Wedding MBA [14:04] How perfectionism shows up through planning, delaying, and waiting [15:00] How writing my book has challenged my own perfectionism [20:30] Why sustainability matters more than hustling in every directionKey TakeawaysImposter syndrome and perfectionism are not signs that you lack readiness. They are signals that you are growing.You do not need to eliminate doubt. You need to learn how to move forward with it.Confidence comes from taking action, not waiting for perfection.Visibility and results come from consistency, not flawless execution.DM automation helps your business continue to sell and serve while you rest or focus elsewhere.Links MentionedTry ManyChat Pro free for 30 days or by DMing me LEADS on InstagramJoin the Hot Reels waitlist or by DMing me HOT on InstagramCONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

What if Alzheimer's wasn't inevitable, but largely preventable? Dr. Axe unpacks groundbreaking research showing how diet, movement, and mindfulness can dramatically lower your risk. Watch The Dr. Josh Axe Show every Monday & Thursday on YouTube: ⁠https://www.youtube.com/@drjoshaxe⁠

Send us a textIf people do not know you exist, they will not buy from you. It sounds simple, but visibility requires more than hitting publish on a post. It requires you to show up as your real self. It requires you to let your audience connect with your humanity. That means being honest. It means being a little messy in public. And that is where the fear kicks in.In this week's episode, I share the first two visibility blocks that keep entrepreneurs stuck, silent, or overthinking every word they publish. I walk you through fear of judgment and self doubt. I share stories from my own journey, from speaking on the biggest stage of my life to blocking real life people on Instagram so I could create freely again. You will learn how to find evidence that you do know what you are doing and how to support your nervous system as you grow.This is part one of a two part series. Today we explore fear of judgment and self doubt. Next week we explore imposter syndrome and perfectionism.What You'll Learn[00:00] Why you must be seen to be paid and why visibility requires honest humanity [00:29] Why sharing your struggles matters for connection and sales [00:58] How appropriate vulnerability builds trust with your audience [01:15] Why visibility feels scary and how to navigate those emotions [01:52] My prep for speaking at the Wedding MBA and how perfectionism shows up [02:46] Why caring deeply often looks like anxiety and high standards [04:07] How visibility triggers self reflection and inner growth [05:30] The first two visibility blocks you must understand [10:17] Understanding the self doubt block and where it comes from [16:53] What my clients seek in Hot Reels and why it works [17:50] How Instagram reflects your inner world and leadership [18:20] Why confronting your inner blocks creates long term success [18:46] How Hot Reels helps you build visibility, messaging, and funnels [19:11] Why you need an intentional content system that sells for youLinks and Resources MentionedJoin the Hot Reels Waitlist: elizabethmarberry.com/hot. Get early access and bonuses when doors open in December.CONNECT WITH YOUR HOST, ELIZABETH MARBERRY:WORK WITH ELIZABETH Apply for your FREE Instagram Breakthrough Session with Elizabeth Free guide to Monetize Your IG: Seven Simple and Proven Ways to Finally Make Money on Instagram Follow Elizabeth Marberry on Instagram, TikTok, Facebook Please be sure to rate, review and follow the show on Apple podcasts (or wherever you find your podcasts) so we can get this free value to other people who need it.

In this episode, Dr. Hemingway, gets down to the 7 most Powerful Strategies to Boost your Immune Health, Naturally and Repeatedly--Proven Strategies that are Simple and Effective and Available.Add one Strategy each week and in less than 2 months your Immune System will be your best and most valuable Partner (MVP) not just in Flu Season but it Life as it helps you reduce inflammation which is the most common root of almost all disease, from heart disease to cancer, getting your Immune System to work as it's designed is your Legacy and it's possible through these Seven Simple Steps.Have a Listen and SHARE with a friend!**JOIN DR. HEMINGWAY at ALIGN AWAKEN!  Event in San Diego Jan 22-25, 2026!*ACCESS my FREE workshop, "Younger, Stronger, for Longer!"  How to turn back your biological age 10-20 years so you can do the things you want to do that you no longer thought possible due to your age.  Perform at your best and live your best life!*And, in my new Performance, and Longevity medical practice we specialize in turning back your biological age and OPTIMIZING HORMONES so you can feel a decade or more younger so you can do the things you want to do that you thought were no longer possible due to your age.  Join the waitlist here!*SHARE with a Friend and please drop a Review:)*Don't wait to Prioritize your health, Start Today with the Simple and Powerful Steps detailed in my Best-selling book.*GET DIRECT ACCESS to DR. HEMINGWAY in these AMAZING COURSES!**Free resource: 'The truth about GLP-1s and their alternatives' - https://drthomashemingway.myflodesk.com/n1yyjkcb68Mahalo and Aloha andTo your health,

Where do you think you are on the wealth ladder? Just starting out and struggling to save? Sitting on six figures and wondering what's next? Or maybe you've hit a financial milestone—but it doesn't feel as life-changing as you expected.Today's episode is all about understanding what changes—and what should change—as you move up the financial ladder.My guest is Nick Maggiulli, author of The Wealth Ladder, a new book that introduces a six-level framework for wealth building and financial strategy. We dive into the key questions we all face on the journey to financial independence:How do you break out of Level 1 when you're living paycheck to paycheck?Is a side hustle actually worth your time—or just another distraction?And how should your mindset and money strategy evolve as your net worth grows?Plus, we explore his 0.01% spending rule and 1% earning rule—two powerful benchmarks to help you spend smarter and pursue income opportunities that truly move the needle.More about Nick: He is the Chief Operating Officer and a data scientist at Ritholtz Wealth Management. He's also the author of the blog Of Dollars and Data and the books Just Keep Buying and The Wealth Ladder. Hosted on Acast. See acast.com/privacy for more information.

Heartbreak doesn't just hurt your emotions—it changes your body. Research shows that grief and loss can raise inflammation, weaken immunity, and even trigger a temporary heart condition known as “broken heart syndrome.” In this episode, Dr. Josh Axe breaks down what's really happening inside your brain and body during heartbreak, and the proven ways to heal emotionally, physically, and spiritually. Watch The Dr. Josh Axe Show every Monday & Thursday on YouTube: https://www.youtube.com/@drjoshaxe

Most people get the “get rich quick” formula completely wrong, and end up stuck in financial struggle. In this episode, wealth expert Kris Krohn breaks down five proven and legitimate strategies to build wealth quickly and sustainably. Learn how to shift your mindset, stop taking bad financial advice, and apply real wealth-building principles that create rapid results. If you're serious about becoming financially free fast, this episode is your roadmap.