Podcasts about qualifications

Keith shares how a recent trip to Colorado Springs and a changing commission landscape reveal what really matters for real estate investors now From there, the show dives into the three levers investors truly control—leverage, operations, and relationships—before welcoming lender Caeli Ridge to break down the major mortgage options for investors. You'll hear how different loan types fit different strategies: from your first conventional "golden ticket" loans, to DSCR loans based on property income, to short-term fix-and-flip and bridge loans that prioritize speed and flexibility.  The episode then moves into how more advanced investors can scale beyond 10 doors, navigate debt-to-income and tax strategy, and even approach financing for short-term rentals—all while highlighting why having the right lending partner and long-term plan can make a big difference to your results. Episode Page: GetRichEducation.com/591 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  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 with new ways to think about your life through goals momentum in the real estate market. Then learn about various mortgage loan types, conventional DSCR, fix and flip, bridge loans, short term rental loans and more. Knowing which loans to use can save you millions and learn the fatal mortgage mistakes you must avoid today on get rich education.   Corey Coates  0:29   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 and 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   Speaker 1  1:14   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:30   Welcome to GRE from Winnebago, Minnesota to Winnipeg, Manitoba, and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education, the voice of real estate investing since 2014 before we get into the mortgage discussion, where we'll discuss five or 10 different investor loan types and their various pros and cons, which could save you millions over the course of your life. I shared with you that I traveled to Colorado A couple weeks ago, for a goals retreat hosted by the real estate guys, top notch event, I spent extra time there in Colorado Springs, because I find it really livable, and I spent five hours with a local realtor there, one day out and about visiting properties in the area I'm potentially looking for a home or a second home. And by the way, how is this for a price range? The realtor wanted to know what my Buy Box is, and since I'm just learning the Colorado Springs market, I told him I'm willing to spend between 400k and 1.2 million on the property, yeah, pretty wide range, a mile wide. Fortunately, my other Buy Box criteria are more narrow and specific, and I have got to say, I'm surprised at how low the area's home prices are. I thought they'd be higher. Interestingly, before touring homes, my buyer agent wanted me to sign a six month exclusive representation agreement. Fair enough, that's standard stuff. It was on the agreement, though, that I as the buyer pay a 3% commission up on the purchase, and the seller would presumably pay the other 3% to make up that total 6% commission for the agent compensation. Well, historically, the seller paid the entire 6% and this, of course, goes back to the NAR settlement, and that ruling that became effective in August of 2024 you probably remember this, and I talked about it on the show back then, and how it's not really that big of a deal, especially to investors like us, because at GRE marketplace and with our GRE investment coaching, it's a direct model. There's zero commission on either side, and then you, in turn, get some of those savings, but out in the larger world and in the owner occupant world. Well, that rule change that started a year and a half ago. It means that sellers are no longer required to pay the buyer's agent. Instead, the fee is now negotiable between buyers and their agent. The other change is that property listings no longer display the buyer agent's commission offer. But here's what's interesting in practice, and what really ends up happening in the end, in most cases, is that the seller still pays the full commission and compensates both agents that full 6% sometimes it's 5% instead of six buyers and buyer agents, they still operate under the seller pays. And that's largely because that has just been the norm. It's what's seemingly always been done. It's what buyers are used to. And the reason that that often persists. Is because the seller is the party in the transaction that has that thick equity in the property, deep equity, and buyers are the ones often just trying to scrape together whatever they can for a down payment and closing costs. Buyers are not going to be able to come up with another 15k for an agent commission when they're buying a 500k property, that's 3% especially today, this is true because American homeowners the seller then still have record equity positions of about 300k an all time high. Nearly half of mortgaged homes are considered equity rich. What does equity rich mean? It means that the loan balance is less than half of the home's value, yeah, the seller has the means to pay the full commission. So the point is, in practice, the seller, yeah, still pays that full five to 6% commission in the overwhelming majority of cases, and the buyer pays nothing. And if that does change, it's going to take a long time. You know, a lot of these evanescent real estate stories that people think are going to have some seismic impact. It rarely does, like this erstwhile NAR ruling or the 50 year mortgage proposal or banning big institutions for buying more single family rentals. You know, this stuff is like one little baseball sized asteroid striking an entire planet. I mean, it's like a barely discernible impact. Real estate is anchored in one place like Jabba the Hut. It is solid. These stories are interesting, but they're not impactful.   Keith Weinhold  6:52   Instead, I've mentioned it before. What are three things you control in real estate that really matter. And these are evergreen things. First, it's, how many dollars are you leveraging? That's where your wealth is going to come from. In fact, we're going to discuss that today with mortgage loan types. Second, what's the efficiency of operations on your existing properties? And thirdly, what is the quality of your relationships? And actually, we're addressing the third one today too, talking to a lender that you could make part of your team. You can control these three things. They're unyielding, they're evergreen, they're long term, and they all have gratitas and impact those three things, leverage operations and relationships. Now my agent drops me off and picks me up from my hotel here at the Broadmoor in Colorado Springs. This was also the event hotel for the goals retreat. I just extended my stay to hang out in the area. Look at real estate, do some climbing on Pikes Peak. Pro tip for you on hotel room rates, talk to a human being before I booked my stay, I called the front desk and asked them if they could extend the attractive event room rate to more nights on my extended stay. And they agreed. You might have heard of the Broadmoor. It is well known. It's been here for more than 100 years, and it is such a fine place to stay. Let me tell you about this special piece of real estate. In fact, I've thought it through, and I will now hereby proclaim that it is the finest us hotel experience that I've ever had in my life. I say us because I stayed at an amazing place in Dubai. But what makes the Broadmoor stand alone? It's the details and the service. A lot of hotels are nice, but this is on a different level. And I don't say this to brag, and this is because you probably can afford to stay here, yeah, like I have. You might have paid more elsewhere in your life for a lesser hotel, although I am here in the low seasons. Okay, now, sure, you've got views of the Rockies and a man made lake and waterfall and even a beautiful chandelier in my hotel room. The thing that sets it apart, though, is you have this service that feels old world and not corporate. That's what makes the difference. The Broadmoor is horse themed, since horses are a symbol of the American West. There are about 800 rooms here. It's kind of like a self contained adult Disneyland championship golf courses, a world class spa, even an outdoor lap swimming pool like that has lanes that I swam in one morning for. Fine dining, casual dining, access to hiking, fly fishing, even falconry, zip lines, tennis, pickleball pools. Take the cog railway to the Pikes Peak, Summit. Okay. Now, other nice hotels have attractions that are sort of like that, but when I rave about the service, it's the little things they are knocking on my door before 10am to come in and clean the room. And you know how so commonly, when you first check into your hotel room and you look in the closet, there are not enough clothing hangers, and they're all like stupidly mismatched. These all match. They're all nice wood, and there are plenty of them. So I'm talking about these details. I'm telling you. I had dinner at one of the broadmoor's restaurants the other night. I just happened to take a close look at the tag on the napkin. Sure enough, it is made in Italy. I mean, jeez, no detail is overlooked at this stellar place. In fact, here's what I'll do. You know, I'll just completely stop my Colorado Springs home search right now. Instead, I'm going to stop down by the Broadmoor front desk, tell him to give me some moving boxes, because I'm moving into the Broadmoor and I'll be here for the next decade. Start forwarding my mail here and everything. And hey, at least I was courteous enough to give them notice. I can't stay here too long, or my standards will be rising faster than my net worth. Yeah, yeah. Can't go to sleep with a mint on your pillow every night, I suppose.    Keith Weinhold  11:38   Now, the reason I came here now is to attend that aforementioned goals retreat, and let me take all the time and all the resources that I put into being here and distill them into just a few of the most salient takeaways for you. Goals should be smart, strategic, measurable, actionable, relevant and time based, they must be written down. Now, how would you describe yourself to somebody else that didn't know who you were? Write that down next. What do you think your reputation is? How would others describe you? Write that down now that you can see how you describe yourself and how others describe you, you can see that there's a gap there. That gap is what you need to work on. I learned that goal should be written in the present tense, not the future tense. I did not know that before. For example, say it is January 1, 2035, and I own $5 million in rental property. That's an example of how you would do that. So take future events and write them in the present tense. Other questions at the goals retreat that got really introspective are, what are you really going to do with your life? And write down that answer. Sheesh, that is tough. And if you think that's a hard question for you to ask of yourself, the next one is even harder. It's simply why? Why is that where you're going with your life? And then write that down? I mean, would you answer questions like this for yourself? And you really think about it, that can occupy a new segment of your entire headspace. It is a big cognitive load, and a last one to leave you with is to dream not just big, but gigantic. Get it out there, write down a dream that interests you, but it's so grandiose that you're actually embarrassed to tell someone about this stretch dream, for example, for me, it's the first person to walk on another planet. No human has ever done that, and this would most likely happen on Mars. See, this is so grand that is sort of embarrassing for me to even share that with you. It almost makes you sound Loony, like I would have to learn so many new skills to travel to and walk on Mars. But you should write down a bunch of other goals too. You're sort of brainstorming on goals, attainable goals. Recall that is the A in the SMART goals acronym, you want to write down a bunch of attainable ones, not just that stretch one. So for attainable ones, one of them is for me to become the highest man on earth. To give you an example. And I attempted that goal two years ago, and I failed. I told you about that at that time. But see now, compared to my embarrassing stretch goal of walking on Mars, the highest man on earth feels attainable, I know what it takes to achieve it, and it's worth doing, ah, but it's a grind to get there, yet it would be worth it. Those are some quick take. Ways from the real estate guys goals retreat while on stage the event host Robert helms he took a minute respite from the goals material, and he recognized the fact that, as he calls it, the four OG real estate podcasters are all in the same room. One of them is helms himself, and now I feel like the other three are all older and doing it longer than me. I was one of the four that he mentioned. But you know, there is only one podcast that was mentioned from stage, and that is that Robert helms told the audience that they should be listening to the get rich education podcast. That was a nice thing to say, and he is always a gracious giver.   Keith Weinhold  15:45   Next, we're talking about four major loan types, conventional DSCR, fix and flip and then bridge loans. When we discuss the first two parts of it could sound repetitive, but you'll see why we do this, because then you'll be able to compare it to nichey loan types that we discuss, for example, the speed of a bridge loan, where you can get funded in just one week, compared to a slower conventional loan. The mortgage landscape changes. I still remember how in 2012 we had still somewhat freshly emerged from the global financial crisis, and back then, you could only get four conventional loans, four rental properties, not 10 like you can today, 20 married. So get your loans while you can, you probably won't always be able to get 10 loans. We'll start with loan types that are more for beginners, and then we'll get to advanced material. Let's welcome back one of our favorite recurring guests.   Keith Weinhold  16:54   You can make millions more throughout your life by understanding mortgage loans. This is key, and today it's the return of the woman that's created more financial freedom through real estate than any other lender in the entire nation, because she's the president of ridge lender group. Hey, it's time for a big welcome back to the incomparable, yet somehow still so approachable Chaley Ridge   Caeli Ridge  17:16   my Keith, thank you for having me. I love being here. I love what you're doing. It's my pleasure, sir.   Keith Weinhold  17:23   And our followers, our listeners, have been approaching you since 2015 you're one of the longest running guests, truly one of the OGS around here at GRE and now Caeli, before we discuss loan types. You know, we don't really talk politics on this show rather policies, and we're in the midst of a presidential administration that often, in the name of the word affordability, is trying to supremely shake things up in the housing market. Help us dissect what matters and what won't.   Caeli Ridge  17:58   I have found that at least as it relates to current administration, whoever that might be, I wait for the buzzwords or the taglines to become the actual policy. Like you said, That's a good point in this case. You know, you've got things floating around, like the 50 year mortgage cutting off the hedge fund guys and that kind of thing. Whether or not, those things come to fruition. I'm happy to give my opinion on them. I do not think that it's going to move the needle much for the people that you and I serve with regard to I mean, just taking them one at a time, I don't think that the 50 year is going to come to fruition. Just first and foremost, if it did do, I think it would be a good idea for a homeowner, probably not, but for an investor, maybe if there's some way that we can keep our payment lower, given the maturity date of a mortgage for an investment property is usually about five years. I mean, I know that this is a 30 year fixed mortgage, but statistically speaking, the average shelf life of a non owner occupied mortgage is about five years. So getting a 50 year amortization, if that were going to reduce the payment, I don't think is a bad thing for an investor, however, and this may get a little bit technical for the listeners, so I apologize in advance if we were to go to a 50 Year am the adjustments, something called, and you and I have talked about this before, something called an llpa, that stands for loan level price adjustment, I think would be such that it could end up defeating the purpose of having the longer term amortization, because I think the interest rates would be higher and I think they may offset so that was a long way to say. One, I don't think it's going to happen. I don't think it's actually going to get to its final resting place. And two, would it be a good idea for investors, yeah, I think it would be worth considering if it kept the payment lower. Okay, that's that as the other piece to cutting off the hedge funds, the big, you know, BlackRock, some of the big players, and giving them access to the residential housing and first right of infusion or etc, because they've got such deep pockets. You. It's such a small amount to what our individual investors are going to have access to that I don't think that that moves the needle either. So I don't know if I'm answering the question, except to say anything that they're going to tout, I would wait for it to actually become written in stone and pass by the rest of the powers that be before I would get excited about or concerned about any of it.   Keith Weinhold  20:21   This is pretty parallel with what I've been telling our listeners. All these things seem to make splashy news, but I haven't seen anything that's going to make a deep impact yet, whether it's the 50 year mortgage, which probably won't even come to fruition, or if it's doing these mortgage bond buy downs in order to bring more liquidity into the market and bring rates down, or if it sees any of these other things being discussed with these institutional investors, since they already own such a smaller proportion of the housing market than a lot of people think, we'll discuss seasoned real estate investors and their loans shortly, but first for newer real estate investors, you Know, chili, I kind of think of four or more loan types that a beginner should be familiar with. I think of conventional loans, dscrs, fix and flips and then bridge loans, the first one with conventional loans. What are the basics that someone should know?   Caeli Ridge  21:17   So first of all, you should know that there are 10 of these. We call them the golden tickets. I'm pretty sure I coined this, okay, 100 years ago, the golden ticket. We call the conventional aka Fannie Freddie, aka agency. They go by different names, but they all mean the same thing. We call them the golden tickets because it's the highest leverage and typically at the lowest interest rate you can find. Now I do have a hook in our conversation today about that. I'll get we'll get to it. There are 10 of these per qualified individual. So one of the first things that I would tell somebody is, is that if they are a partnership or a husband and wife team, you want to make sure to keep the debt obligation separate, because if you want to maximize these golden tickets, let's just say it's a husband and wife team. You each have, per qualification access to 10, and that includes a primary residence. In fact, let me just take a quick second and define what counts in the 10, because some people get this wrong. So the 10 golden tickets are counted by any residential property, single family, up to four Plex that has a loan on it, where the loan is in the individual name or personally guaranteed by the individual. That's where people get tied up. So if they went out and got a kind of more of a commercial type loan, that was in an LLC name, for example, but they signed a personal guarantee, per Fannie Freddie guidelines, that particular mortgage is going to count against the 10. So those would be some of the first pieces of news or detail I would give them about conventional    Keith Weinhold  22:40   for married couples, don't take ownership in both the husband and wife's name, either the husband or the wife. That way, you can get to 20 rather than 10. And yes, you do have to be mindful that your primary residence does count in that 10 or 20, whatever it might be. Anything else quickly with conventional loans, LTVs so on,    Caeli Ridge  23:01   yeah, LTV can go to 85% loan to value. So you get a little bit extra than you're going to get in some of the other loan product types. It will have PMI, private mortgage insurance, anything over 80% LTV will always have PMI on a more conforming, conventional basis. So keep that in mind. But the factor is pretty low. I would encourage people that are looking to stretch the almighty dollar. Do the math. Look at the 85 with PMI against, say, an 80% and see what are you giving up versus what you're getting. And then qualification stuff, you guys, my dumb joke, it's Keith's favorite. I'm sure vials of blood and DNA samples are sort of required for the Fannie Freddie loans. So just be prepared to supply or submit us the tax returns and pay stubs and bank statements and and all that stuff,   Keith Weinhold  23:44   you'll feel like you're getting fingerprinted almost for a conventional loan qualification. And the second one that I brought up DSCR loans, that's short for debt service coverage ratio. And these mortgages are pretty standard for rental properties. They're underwritten based on a property's income potential. So you know, the way I think of dscrs Chaley from the lender's perspective, is that sustainable cash flow is what matters. The rent has got to support the property's monthly mortgage payments. So we talked to us more about dscrs.    Caeli Ridge  24:15   Yeah, I love this product, and this is for somebody that either can't fit into the conventional Fannie Freddie box, or maybe they've exhausted their golden tickets and they're graduating and moving on. This is a great option that will reduce the amount of vials of blood and DNA samples that you're going to have to submit. It still provides for a 30 year fixed mortgage. The leverage is roughly the same, 80% in most cases, on a purchase. And to your point, the gross income divided by the principal, interest, taxes, insurance and Hoa, if it's applicable, is the simple formula, the easy method I'll give people, just to kind of solidify that math, is that if the gross rents were $1,000 a month, and if the PI TI was $1,000 a month, when you divide that, your debt service is 1.0 Now you can go as low, believe it or not, as low as a point seven, five, DSCR, they have those available be ready for the interest rate to get a little hair on it. Okay, it's going to be higher than what the 1.0 and above is going to be. But you can go as low as point seven, five, those are going to be for the investors that have found a property, maybe in distress, and they cannot show the current market value rent, perhaps, and it's on the low end. So you can still get that done at point seven, five, just be ready for a higher interest rate.   Keith Weinhold  25:30   So the DSCR loan an alternative for you, which might be especially useful, like Chaley touched on, if you've already exhausted your 10 golden ticket. Fannie Freddie loans, a DSCR of 1.2 for example, means that your rent income needs to exceed your principal, interest, taxes and insurance payment by 20% or more. That's what we're talking about here. And then Chile, those were more of loans for the buy and hold type of investor. Tell us about fix and flip loans.    Caeli Ridge  26:03   Yeah. So these are shorter term loan that will allow you to include not just the purchase of the property, but also some renovation or rehab money if you need that. And we're going to be looking at an ARV after repair value. So you've got a purchase price, you've got your renovation or scope of work budget. And then we're looking for an ARV with the ARV to be somewhere around 75% so what that means, if you've not heard of this before, you're going to take, let's say, $100,000 value. And if we want the ARV to be at 75% we're going to lend 75,000 is kind of the mix there. Those are quicker loans. You're going to be paying much higher rates on those. You know, between nine and 13% depending on the deal. The points are also going to be a little bit higher, but a great option for that quick turn and burn where you know your deal has enough skin in it and you can recapture all your capital and make a good tidy profit on it.   Keith Weinhold  26:53   We're talking about basically fixer upper loans here with Chaley Ridge, the president of ridge lending group, yes, these are jalopies that rarely qualify for traditional bank financing. And oftentimes, when I think about these fix and flip loans, I'm thinking that often there is interest only flexibility with regard to those higher interest rates that you need to pay. And I think of it as, you know, a shorter term loan that you've got during your renovation period, oftentimes 12 to 18 months. Does that sound about right?   Caeli Ridge  27:24   Yeah, 6,18, even 24 months. And to your point, yes, all of these are going to be interest only. And one of the cool things is about these loans is, is that, if there's enough room in the deal, right, based on what you need to borrow and what we think the ARV is expected to be, you don't even actually have to be making those interest payments. You can build it into the final payout when we go to refinance you out of this short term loan, or you simply sell the property and pay off that loan. So for example, let's say that your interest only payment is $1,000 a month, okay? And the value of the property is going to be $200,000 and you only took 120 okay, we're going to be well within that 75% ARV. You can build in that $1,000 say, for 12 months, there's $12,000 and just add it to the outstanding balance that you started by owing, and not have to be making those payments on an ongoing basis. It's not rented, right? So it might be nice to be able to factor that in to the actual payoff when you go to refinance that if it's a fix and hold versus go to sell it on a fix and flip.   Keith Weinhold  28:31   Now, long term, we know that the big gains for real estate investors really come from that leveraged appreciation getting that loan. But sometimes there are situations where we might want to act as a cash buyer. And that brings up this fourth of four loan types that I brought up, the bridge loan, short term loans that can temporarily finance a property purchase while you're waiting for a longer term loan to come through. The bridge loan, so I think of it as a pretty speedy loan, if you sort of want to act like you're an all cash buyer.   Caeli Ridge  29:04   Yeah, I like this, and in many ways it's similar to a fix and flip interest only. Obviously the term is going to be shorter, six months, 12 months, up to 24 months, and based on largely relationship, the bridge loan for the purpose that you described, really comes into play for an investor that we know and we're comfortable with, we can fund those inside a week, for somebody that we've done several of these loans for. So for those that need that really quick turn, once you've established yourself as a seasoned, experienced investor in that space, those are pretty slick and easy to get through.   Keith Weinhold  29:39   Why would someone use a bridge loan, rather than a fix and flip loan.   Caeli Ridge  29:43   So if they're in a very competitive market, that might be another option, because those are going to be faster. The bridge loan is going to be faster where they need to say that they're an all cash buyer and they only need seven days to close, or whatever it is. It depends on the municipality in the state. But what if you're at the courthouse steps? And you need cash quickly. Sometimes it needs to be immediate. So that might not be applicable in this case, but if you put the bid in, and you win the bid, and you've got, you know, three days to perform, usually we can get those done. So it's circumstantial. Those would be two variables or two scenarios that that would apply to   Keith Weinhold  30:17   the bridge loan gives you the advantage of speed, but that speed can come at a cost.   Caeli Ridge  30:22   Oh yeah, yeah, you're going to be paying probably three points, maybe four points, and it's short term interest, 13, 14%   Keith Weinhold  30:30   so with these four loan types that we've discussed, conventional DSCR, fix and flip and bridge loans, you can kind of see that there is a loan for most every investment scenario, and there's no reason to rely on only one type, a flipper. Might start with a short term fix and flip loan or a bridge loan and then later refinance to a DSCR or a conventional loan. So consider mixing and matching based on your needs. You're listening to get rich education. We're talking with Ridge leninger, President Taylor Ridge, more when we come back, including steps for more advanced investors, I'm your host. Keith Weinhold   Keith Weinhold  31:06   mid south homebuyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone, headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with a better business bureau and 4000 houses renovated. There is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW Mid South. Enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com    Keith Weinhold  32:08   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 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  33:19   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 chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Blair Singer  33:53   this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.    Keith Weinhold  34:09   Welcome back to get rich education chili when we go beyond this beginner stage that we've been discussing, how about for an investor just trying to scale to 10 doors worth of one to four unit properties. Now, are there any strategies there or more of a loan order that you would recommend in getting up to your first 10 you know   Caeli Ridge  34:29   I think the strategy starts with calling your lender, ideally Ridge lending group, and having that deep strategy call that, that discovery call, so that we can really understand and plant some seeds that say, Okay, Mr. Jones, these are your qualifications today. This is where you want to be in a year or 10 years. These are the steps that are going to be important that we are mindful of and we take to accomplish and reach those milestones. It's really important to have that baseline understanding of what is your debt to income ratio on day one, what are your assets? Sets. What is your credit? Where do you want to be in a year or 10 years? Right? Do you want 10 properties in a year's time? It's going to be a very different conversation than if you're going to slow roll this and want to establish 10 purchases or 10 investment properties over 10 years. So identifying those details is going to be part one, and then next, in terms of order, I would say, largely the higher price point properties, typically, I would say, put those in one through six. And the reason that I'm saying that is is that the underwriting guidelines under conventional financing, they will change based on how many finance properties you have. So of all of the inner working guidelines and things that go into securing a conventional mortgage loan, the three top most heavily weighted are going to be debt to income ratio, credit score and assets. Okay? And within each one of those, the marker or the qualification guideline changes as you evolve and acquire more property. So the higher up the ring you go, or the rung that you go to 10, the more restrictive the guidelines are going to be. So I would typically say, get the higher price point properties go into maybe one to four, one to six, if that's part of your strategy and your diversification of portfolio ownership. Then after you've established having two or three or four properties and that higher price point it as it gets harder to qualify, potentially, if your debt to income ratio is a little bit tight, you've got the smaller loan sizes that might be less impactful in debt to income ratio. All of this is very subjective to the individual's qualifications and needs, of course, but that might be one rule of thumb that I would take   Keith Weinhold  36:39   gosh, this This is absolute gold in helping you structure the architecture of a growing income property portfolio. And we're coming up on this Super Bowl, and whatever mortgage lender advertises for the Super Bowl or has some big, splashy campaign nationally, you know they are not the ones that are going to have conversations like this for you, they might be fine for buying a primary residence, but this is why you want to have a long term strategy and work with a lender that's aligned with you on exactly that sort of thing. And Chaley, is there a specific way in which one can avoid hitting the Fannie Freddie loan ceilings too early if you haven't already touched on it.    Caeli Ridge  37:22   Yeah, very good question. You know, I think that this is going to come down to a debt to income ratio conversation. It's easy enough to ensure that we contain assets and credit. Those are easier conversations. The debt to income ratio is the piece that's more complicated and can get away from an investor without them even knowing it. You don't know what you don't know, right? So I would say that debt to income ratio and making sure that your lender again, hopefully Ridge lending, because we know this like we know our own faces, making sure they know how to structure and provide feedback and consult on that schedule E, part of the beauty of real estate investing is the tax deductions. Right? Many people get into real estate investing, not for the cash flow, not even for the appreciation, but for that tax strategy, because they're high wage earners, or whatever it may be, and they're sick of paying x in taxes. So the debt to income ratio is key in scaling and making sure you can continue to qualify for those loans. The conversations that we have with our clients really go deep about where we can maximize our deductions to ensure that we get the tax benefit without precluding our qualification on a conventional underwriting basis in the DTI category.   Keith Weinhold  38:35   Now, during my growth as an investor, when I got above 10 doors, one gets above 20 doors. When one gets to 216 doors, I began where I needed to qualify more on a DSCR basis, where the lender is looking at the properties qualification, more so than me. So are there any other thoughts with regard to how one can set themselves up for success in really going big and well beyond 10 doors   Caeli Ridge  39:03   absolutely so once we've exhausted the Fannie Freddie, and I think one of the real value adds about Ridge is that we are not a one size fits all, and we are extremely holistic versus transactional. So having that first conversation and understanding what those goals are, so that we can pivot as we need to maximize the golden tickets, whether that be 10 to 20, right? If you're in a marriage or a partnership or whatever, and then setting up for the DSCR loans when the time comes, and taking advantage of those, there is no limit to how many DSCR loans we can get for one individual. We have yet to file an individual that we've had to say no, and we've done quite a few of the high, high acquisition investors, so I don't expect that to be an issue, but yeah, I think it's about planning, planting those seeds, creating roadmaps together and have those smart discovery conversations.   Keith Weinhold  39:50   Now, as you grow, one way you might diversify is to have perhaps at least a part of your portfolio in short term rentals. So what I. Comes to getting loans for sort of Airbnb or VRBO type properties. What does one look for there? How much does the landscape change versus the longer term rentals that we've mostly been talking about here?    Caeli Ridge  40:10   Yeah, I think that the differences are going to be about purchase versus refinance. If we're just talking about purchases, let's kind of try to keep it in one lane. If we're talking about purchasing a short term rental, you may be limited on leverage. You might lose a little bit of leverage, 5% let's say you could get to 75% and maybe on a short term they're going to back it off to 70% LTV, so there may be reduction in that loan to value. And the way in which we're going to quantify the income is absolutely important to share with your listeners on a purchase transaction, we have access to things like an appraisal. An appraisal is going to give us some median rental income, whether it be long term or short term, that we will use to offset a new mortgage payment if that's needed for the individual's debt to income ratio qualification. Now, if they don't need the rental income to qualify, then it's a non issue. But if they do, like most of us, need that rental income to absorb this new mortgage payment that we are securing for them, how that's going to quantify is important. So if it's not in a short term rental area, let's just say it's kind of off the beaten path, and there may not be enough data points to support the income that you need. It's important to know that up front versus way down the rabbit hole, when you paid for appraisals and you're all the way through the transaction and earnest money might be off the table if you had to cancel that kind of thing. So really important to understand the numbers in advance, I would say, when we talk about short term rentals and how the income is going to be quantified from an underwriting perspective,   Keith Weinhold  41:43   why does a borrower often need to make a higher down payment on a short term rental than they do a long term rental?   Caeli Ridge  41:49    You know, I think that in secondary markets, as we talk about mortgage backed securities and things like that, it's looked at as a higher risk. A short term rental is going to be a higher risk than just the stable long term, long burn tenant is going to be there and they've got their lease for a year, two years or whatever, at a time, the short term rental is more volatile and it's seasonal. It can be I mean, there's all those different factors, so higher risk means more skin in the game for the investor.   Keith Weinhold  42:13   That makes a lot of sense. Does that higher risk also translate into a higher mortgage rate for short term rentals than long term rentals?   Caeli Ridge  42:18    Fannie Freddie versus DSCR The answer is no. On the Fannie Freddie side, the interest rate's not going to change on a DSCR loan. Yes, it can be slightly higher, usually about about a quarter of a percentage point on a short term versus a long term.   Keith Weinhold  42:33   Now, are there any particular markets that lenders want to avoid with short term rental loans?   Caeli Ridge  42:39   No, as long as the property is habitable, and all the other metrics fit Qualifications and Credit and assets and all that stuff. No, there isn't a market that we're going to have any issues with now. We do get the notifications for natural disaster areas, and as that relates to the appraisal and things like that, if it's in a natural disaster area or zone, we may have to hold funding until after the disaster is over, and then we can go and take more pictures and make sure it's still standing and there's no major issues. But otherwise, aside from that, as long as it's habitable, no, there is no market restriction.   Keith Weinhold  43:12   Yes, with that variability of income for short term rentals, you can understand how a lender would be more careful in making a loan, and would want you, the borrower, to put more skin in the game for a short term rental. Well, Caeli, overall, what should an investor do in the next 24 hours to make themselves more lendable before contacting someone like you?   Caeli Ridge  43:36   I would say the answer is sticky, but call rich lending group. That's how you're going to make yourself more lendable. And the reason that I can say that is is that everybody's qualifications and needs and goals are inherently different. So calling someone that understands this landscape and can navigate the battleship in the creek like I like to say, that's the visual aid for those of you that need the visual is the first key. And with that conversation, we're going to be able to identify for you specifically what you would need to do to become more lendable. And it may be nothing   Keith Weinhold  44:07   well over there, Chaley, you're growing. You do loans in almost all 50 states. The GRE podcast has more than 5.8 million listener downloads, and you have helped countless GRE listeners acquire smart investor loans for fully a decade now. Just amazing. So talk to us about all of the loan types that you offer investors there at ridge.   Caeli Ridge  44:30   My gosh. Okay, so I think one of the real value adds for us is that we have such a diverse menu of loan products. We touched on a few of them already. So we've got the conventional Fannie Mae Freddie, Mac stuff. We've got our DSCR loans. We have bank statement loans, asset depletion loans. I can touch on those if you want. Keith, we have our short term bridge fix and flip. We have our All In One my favorite, first lien, HELOC we have second lien HELOCs. We have commercial loan products, and commercial can apply to residential and commercial property. A cross collateralization, commercial for residential properties. That just means, if you're putting 10 single families into one blanket loan, that would be cross collateralization, or if you're buying a storage unit that's straight commercial, and probably even more than that, ground up construction, there's really not a limit to the loan products that we offer, specifically for investors. The only thing we don't have, I would say in our arsenal is bare land loans. Those are hard to come by   Keith Weinhold  45:24   It sounds like you recommend a call in order to get some of that back and forth, to learn how you can best help that investor. But tell us about all the ways that someone   Caeli Ridge  45:32   can get a hold of you. Yes, there's a few ways. Of course, our website, ridgeline group.com, you can call us toll free at 855-747434385, 747-434-3855, 74, Ridge. Or feel free to email us info at Ridge lending group.com   Keith Weinhold  45:49   and you might get lucky. Hey, spin the wheel. Chaele does get on the phone and talk to individual investors herself too. So Chaley, it's been valuable as always to cover all these different loan types for beginners, and then what one does when they advance beyond that. It's been great having you back on the show.    Caeli Ridge  46:09   Thank you, Keith. I appreciate you.   Keith Weinhold  46:16   Oh yeah, a lot to learn from Chaley today. You've got mortgage rates three quarters to 1% lower than they were a year ago. At this time, in fact, last month, they ticked below 6% for the first time in years, and their lowest level in over three years. But when you introduce geopolitical uncertainty, well, that tends to make rates tick up again. Now, just what does happen when you have a lower overall rate trend like we have? Well, in this cycle, it's already spurred an increase in housing sales volume. It surged to 4.3 5 million in the latest reporting month, and that is the hottest annualized pace in nearly three years. Some of the same people who said, wait until rates fall, they're about to realize that prices didn't wait. Demand comes back fast. Inventory doesn't if mortgage rates take another leg lower, we could see quite a refinance wave in balanced markets or in supply constrained markets, bidding wars could follow. Now I've shared with you before that I totally do not predict interest rates. I don't know if anyone should. It is a great way to be fantastically wrong and supremely waste a lot of people's time. Instead, I think it's more efficacious for you to be able to interpret the signs that can trigger a further rate drop. Those signs are a weak jobs report that tends to bring lower rates because the labor market needs the help. So does softening wage growth, GDP below expectations, inflation continuing to cool, or a pickup in US Treasury demand. These are all signs that can lead to even lower rates. In fact, right now, with already lower rates and higher wages, real estate is more affordable than it's been in about three years, but overall, longer term, yeah, income properties still feel somewhat less affordable. It's less affordable than it was in pre pandemic times. That's for real for US investors, though, affordability is less about the price of the property, it's about whether the property pays for itself and grows your net worth while inflation does the heavy lifting for you, that's why it still works for us as investors. Higher prices don't kill investors inaction during inflation does you're not so much buying a say, 350k property. You're controlling it with 70k while your tenant and inflation do the rest. We don't rely on hope or appreciation. We start with inflation, tax benefits and debt pay down, and then appreciation typically happens too. A lot of times, the question for us goes beyond whether or not a property is affordable. The question is whether owning an investment property is better than inflation compounding against us, which is an investor mindset for this era, Ridge landing gear. President Chaley Ridge is a regular guest here because the mortgage space is so dynamic and things change a lot. For that reason, we expect to have her with us every few months this year, I'll see you next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  50:01   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  50:30   The preceding program was brought to you by your home for wealth building, getricheducation.com   

Dave Hendrick looks at all the LFC related news & gossip. Today he looks at the game last night, and potential opponents for Liverpool in the CL. He also looks at Arne Slot's comments in the press conference. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This week, Roger and I discuss the answer to a frequently-asked question - how does one become a financial adviser? Clearly Roger and I make it look like a sexy profession, but as you can imagine, we have lots to say on the subject… Shownotes: https://meaningfulmoney.tv/session606  01:47 - What People Think Financial Advisers Do (and Why That's Incomplete) 07:25 - The Structure of a Modern Advice Firm 17:29 - Career Progression 22:31 - Qualifications and Regulation (The Reality, Not the Myth)  29:14 - Routes Into the Profession 37:20 - The Economics of Advice (High-Level) 46:39 - Who the HARD Side Will Appeal To 

In this episode, I'm joined by Steve Harding, Senior Vice President of Sales EMEA at SalesLoft and global sales leader, for a deep dive into how AI is reshaping the revenue workflow. We cut through the hype to uncover the real value AI brings to sales teams, from serving as the "air traffic control" for overwhelmed account executives to accelerating pipeline creation through smarter signal prioritization. Steve shares powerful examples from his own organization, unveils practical AI use cases for prospecting and deal progression, and emphasizes the importance of keeping the human touch front and center. Tune in for candid stories and fresh perspectives on how sales teams can successfully adopt AI, avoid common mistakes, and leverage technology to enhance, not replace, the vital role of human judgment and relationship-building in sales. Outline of This Episode 00:00 AI-driven sales productivity insights. 08:08 Human-centric sales in the AI era. 10:42 Content overload challenges modern buyers. 15:48 AI-powered sales insights. 19:13 AI integration in sales workflow. 20:27 AI-driven customer outreach automation. AI in the Revenue Workflow: Separating Value from Hype Today, sales teams are inundated with tools and data, making the challenge not just about having information, but about managing it. AI has the potential to become the air traffic controller, helping teams delegate, automate, and prioritize effectively. AI's most meaningful contribution is compressing "time to insight." Instead of manually sifting data or waiting for CRM updates, AI delivers actionable guidance at critical moments in a seller's workflow. Steve outlines how, at SalesLoft, AI is integrated directly into their platform, which helps account executives instantly recognize the next best action and act at the right time. This isn't just theoretical. For example, teams can now pick up signals, both internal, like website activity or content downloads, and external, like missed payments, that indicate where attention is needed. AI then helps sort and prioritize these signals, recommending actions and automating follow-up tasks so teams spend time where it counts. The result: improved productivity and responsiveness, and ultimately, healthier pipelines. AI that Boosts Prospecting, Qualification, and Deal Progression What does this look like in practice? Steve shares a recent exercise at SalesLoft when they analyzed every major win and loss across markets and segments, mining rich interaction data captured in their system. When they fed this into the AI, they discerned clear themes that differentiated wins from losses. The findings informed improvements to their sales process, especially around discovery intent, giving teams concrete cues that new hires and veterans alike could watch for. This real-world application of AI proved results, boosting win rates and adding confidence, context, and clarity to team conversations while preserving the all-important human connection. The Human Element - Where Judgment Still Matters Most Despite the buzz, AI is not a panacea for sales relationships. At the end of the day, sales is a human-centric activity, Steve explains. AI serves best as a "wingman or copilot." It can automate certain workflows, but when the conversation gets nuanced, or the stakes are high, whether it's handling objections or building deep trust, a human's judgment, empathy, and experience remain irreplaceable. Buyers are showing up more informed, or misinformed, than ever before. But the proliferation of high-quality marketing content has led to confusion and caution. Salespeople must now help buyers navigate this information landscape and overcome the "fear of messing up", a challenge that can't be solved by algorithms alone. What missteps do organizations make with AI rollouts?  Steve stresses two dangers: Expecting AI to perform beyond the skill level of a company's most junior rep. Failing to keep humans "in the loop", validating and verifying a system's outputs. Instead, AI should recommend and automate, not dictate, with human oversight at every critical juncture. It's the old wisdom: "Trust but verify." As sales leaders consider integrating AI into pipeline generation or deal execution, Steve recommends starting with the pain points, not the tech itself. Ask where reps are wasting time, then target AI to solve those problems. Then, using AI within your systems, not on the edge (like ad hoc Copilot or OpenAI research). This keeps valuable intel connected to your CRM. While you're doing this, it's important to keep a human in the loop to protect your relationships and reputation. Where AI and Human Skill Combine for Better Outcomes One standout example is nurturing relationships when key contacts change roles or organizations. AI tools can track these moves and trigger a personalized, multi-step outreach campaign, congratulations on LinkedIn, followed by an email and a phone call. This blend of automation and personal touch lets teams act at scale, re-engage valuable advocates, and build pipeline opportunities that would be nearly impossible to manage manually. AI is transforming sales workflows, but not by replacing humans. Use AI as an intelligent copilot to prioritize, automate, and scale, but never lose sight of the human skills of empathy, and judgment.  Connect with Steve Harding Steve Harding on LinkedIn  Salesloft  Connect With Paul Watts  LinkedIn Twitter  Subscribe to SALES REINVENTED Audio Production and Show Notes by PODCAST FAST TRACK https://www.podcastfasttrack.com

Jérôme Rothen se chauffe contre un autre consultant, un éditorialiste ou un acteur du foot.

There are many false teachers on social media who are making foolish statements about race, culture, and marriage, saying things like, “interracial marriage isn't a sin, it's just not ideal,” or “it's fine to tell your white daughter she shouldn't marry a solid Christian black man because you want grandchildren who look like you.” These wolves are not just giving bad advice; they are attacking the heart of the gospel, not because the gospel requires you to marry someone from a different culture or “race”, but because it commands you to prioritize spiritual matters over physical concerns. Most people don't have the luxury of choosing between two or more identical spiritually-qualified life partners. And the last thing you should do in such a situation is make physical matters primary. And we should not think this is a new debate. It has been going on for some time in different forms, and though now its proponents are trying to soften it from the openBob Jones University position, which banned interracial dating until 2008 by claiming it was against God's design. So here's the question: Is there any actual Scriptural support for their idea?Timecodes00:00:00 Leaders Pushing This00:08:32 Qualifications for Marriage00:16:04 Moses' Marriage00:22:58 Christ's Marriage00:28:52 Ruth's Marriage00:33:02 What Is Race?00:49:28 Is It Unwise?00:54:00 Biblical Law00:57:29 Christian Culture01:08:35 Punishment for Foreign WivesProduction of Reformation Baptist Church of Youngsville, NCPermanent Hosts - Dan Horn, Charles Churchill and Joshua HornTechnical Director - Timothy KaiserTheme Music - Gabriel Hudelson

In this two-part RMR Training Podcast episode, Rich Ryan is joined by Meg Jacoby and Matt Mason (HYROX Rundown) to break down HYROX race preparation, long-term training progress, mindset, tapering, and the new HYROX elite qualification system.Learn how to build confidence for race day, avoid overtraining, and understand how the updated points system impacts elite and emerging athletes.Intro + Meg Jacoby (Training & Race Prep)00:00 – Welcome to the RMR Training Podcast03:45 – Why confidence comes from long-term consistency10:12 – Tapering mistakes athletes make before race day18:30 – When to push intensity vs when to pull back28:40 – Overtraining, recovery, and trusting your body41:15 – Mental prep: calming the mind before race day52:10 – Why “more work” isn't better (and usually hurts performance)58:30 – Introducing Matt Mason & The HYROX Rundown1:01:45 – Why HYROX changed the elite qualification system1:09:20 – How the new points-based system actually worksMatt Mason (HYROX Qualification System & Sport Breakdown)

Matthew 5:3-12 When it comes to "living the revolution" the question arises - for whom is the revolution good news? Who gets to join in - and who is excluded? So, from the outset of His revolutionary invitation, Jesus makes it clear - even those who have been discarded and set aside socio-culturally are able to join Him in turning the world right side up. But, it will come at cost - they, once joined, can no longer define themselves by exclusion! Qualification is in Jesus' hands - not theirs. And so is the mission to which He sends us. By Bill Dogterom

The health of the church is dependent on the biblical qualifications, focus, and example of its leaders. Pastor Micah preaches at King's Cross Church.

Worship Service

James Leudeke - The Qualifications of an Elder by Northwest Church of Christ

Bill Fairman is a best-selling author, national speaker, and seasoned entrepreneur with 30+ years in private lending and real estate. A longtime AAPL member featured in multiple industry publications, he co-authored Drive to Success and believes strong relationships and learning from mistakes are the foundation of lasting success. As Co-Founder of Carolina Capital, Bill helps professionals preserve and grow their wealth through real estate–backed private lending. With over 11 years of strong fund performance and long-term investor loyalty, his firm is known for capital preservation, consistent returns, and transparent management. He works with accredited investors, high-net-worth individuals, and financial professionals. Recognizing that many rely too heavily on the stock market and want passive diversification, Bill offers a proven, hands-off approach to real estate investing. His mission is to help clients build stable, long-term financial legacies, and he welcomes investors to connect and explore the opportunities available through Carolina Capital. During the show we discuss: The types of real estate investment loans Carolina Capital offers, including fix-and-flip, construction, and multifamily financing How hard money and private lending work for real estate investors Why private lending often outperforms traditional banks for speed, flexibility, and deal execution Qualification requirements and what lenders evaluate when approving investment loans How fast closings and financing up to 100% of purchase and rehab costs help investors scale Key risks real estate investors face and how Carolina Capital helps mitigate them The value of partnering with an experienced lender that provides guidance beyond capital Resources:https:/billfairman.com https://carolina.fund/

Lots of storytelling in this one as Nestor Aparicio shares with Leonard Raskin the original document that David Modell handed him 27 years ago when he was about to hire Brian Billick to be the next head coach of the Baltimore Ravens. They wonder how many of these "line items" current owner Steve Bisciotti would agree with – and whether they ever applied to John Harbaugh at all? The post Leonard Raskin and Nestor discuss qualifications for next head coach of Baltimore Ravens first appeared on Baltimore Positive WNST.

Like the show? Show your support by using our sponsors.Promotive can help you find your dream job. Touch HERE to see open jobs.Need to update your shop systems and software? Try Tekmetric HERERegister for Tektonic HERE!In this episode, Jeff welcomes Eric Sprague from L&N Performance Auto Repair. Eric stresses the need for improved shop culture and mentorship to support new technicians entering the field. Jeff and Eric also talk about the importance of thorough communication between support staff and technicians to ensure safe, accurate repairs and customer education.Timestamps:00:00 "TPMS and Car Safety Standards"10:39 TPMS Regulations and Nanny State16:53 Empty Promises and Abandoned Projects18:46 "Hybrid Trucks and Northern Infrastructure"25:11 "Youth, Effort, and Clear Guides"32:40 "Electronic Parking Brake Discussion"34:33 "Teaching Safe Methods First"43:32 "Trust and Prioritization at Work"48:54 "Challenges of Losing Key Talent"54:35 "Shifting from Dealership Culture"55:46 "Accountability and Proper Checks"01:04:10 "Challenges of Independent Auto Shops"01:09:28 "Challenges in Automotive Repair Access"01:12:15 "Industry's Tipping Point on Regulation"01:17:24 "Importance of Vehicle Safety Systems"01:25:59 "Tool Standards and Calibration Issues"01:27:30 "Understanding the Entire System"01:34:24 "European Cars and Sunroof Issues"01:42:24 Regulations, Qualifications, and Future Standards01:45:58 "Teamwork Overcomes Chaos"01:48:47 "Monthly Collaborative Conversations" Follow/Subscribe to the show on social media! TikTok - https://www.tiktok.com/@jeffcompton7YouTube - https://www.youtube.com/@TheJadedMechanicFacebook - https://www.facebook.com/profile.php?id=100091347564232

Mike and Trey Farley of Farley Pool Designs delve into the often-debated topic of whether homeowners should pay a design fee for their outdoor living projects. Drawing from their 40 years of industry expertise, they explore the pros and cons of design fees from both consumer and business perspectives. They emphasize the importance of detailed, professional designs to avoid costly mistakes and ensure an efficient, cohesive outcome. They also cover various levels of design services, the role of certification, and how to choose the best designer for your project. The episode aims to provide homeowners with the knowledge to make informed decisions and achieve stunning, functional outdoor spaces.   https://www.farleypooldesigns.com/ https://www.instagram.com/farleydesigns/ https://www.instagram.com/luxuryoutdoorlivingpodcast/ https://www.instagram.com/poolzila/   00:00 Welcome to Luxury Outdoor Living Podcast 01:12 Introduction to Today's Topic 01:45 The Debate on Design Fees 03:07 The Value of Professional Design 03:55 Challenges in the Pool Design Industry 05:04 Understanding Design Fees and Client Expectations 06:41 The Importance of Certifications 08:32 Finding the Right Designer 15:22 Certifications and Qualifications in Pool Design 21:36 Navigating Social Media and Reviews 31:14 Design Fees and Consultation Processes 32:38 Understanding Different Types of Consultations 32:50 Site Analysis and Client Expectations 35:50 Conceptual vs. Working Drawings 38:57 Importance of Detailed Specifications 41:07 3D Renderings and Realistic Expectations 46:33 Choosing the Right Designer 52:10 Final Thoughts on Design Fees and Client Relationships 56:12 Conclusion and Additional Resources

Bunkered down in the war room somewhere in the high desert of southern Idaho where I discuss all things firearms and self defense training... call us text us 620-794-6223 email us at info@patriotdefense13.com  like us on FB and check out our web page patriotdefense13.com Facebook Instagram Youtube TikTok

Title: The Qualifications for DeaconsPreacher: Jim HamiltonSeries: 1 TimothyPassage: 1 Timothy 3:8–13

Série AO2600:00 Introduction et room tour04:20 Présentation08:21 Découverte et évolution du tennis18:45 Traverser les périodes compliquées31:58 L'Open d'Australie et suite 202637:35 Questions de fin Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Why B2B Lead Qualification Fails and How to Fix It  Traffic is cheap, but qualified B2B sales conversions are not. Too many CMOs in the B2B space are watching brilliant creative go to waste at the top of the marketing funnel because what's passing through as a “qualified lead” often isn't really qualified. How can B2B marketers identify where the real lead qualification bottleneck is? Why is rethinking how MQLs are defined, scored, and routed one the most strategic fixes a CMO can make to improve pipeline performance? That's why we're talking to Gabe Lullo (CEO, Alleyoop), who shared some insights around why B2B lead qualification fails and how to fix it at the top of the funnel. During our discussion, Gabe challenged the common misconception that poor lead quality is the issue when sales aren't closing. Instead, he emphasized the importance of a clearly-defined Ideal Customer Profile (ICP), a strong product-market fit, and a well-mapped B2B sales journey. Gabe also stressed the need for A/B testing, identifying and resolving funnel bottlenecks, and using data-driven decision-making to improve lead conversion rates. He underscored the value of nurturing leads and cautioned B2B marketers against dismissing traditional marketing channels without rigorous testing. https://youtu.be/KXVmywNsfP0 Topics discussed in episode: [02:36] Why top-of-funnel lead qualification breaks down in B2B. [16:37] How to define and operationalize your Ideal Customer Profile (ICP). [12:17] When MQLs hurt more than they help, and how to fix them. [26:14] How A/B testing and data-driven decisions improve lead conversion. [27:53] Why lead nurturing is critical to long sales cycles. [34:05] When to test (not abandon) traditional B2B marketing channels. Companies and links mentioned: Gabe Lullo on LinkedIn  Alleyoop  ZoomInfo  Salesloft  Adobe  Transcript SPEAKERS Gabe Lullo, Christian Klepp Gabe Lullo  00:00 So we’re doing top of funnel activities, and then we’re sending leads over. The sales team takes them, and then what we find, a lot, we hear this all the time, is leads aren’t closing. And what’s interesting is that it was never a lead problem. It was more of a, you know, seller problem. I don’t mean to put blame on it, but companies come to us saying, hey, my sellers are saying we don’t have enough leads, we don’t have better leads, we don’t have good leads, and they’re the ones complaining about the lead. So they come to us to fix the lead problem. We fix the lead problem, but it doesn’t fix the revenue problem. It’s still not closing. So what is it? Christian Klepp  00:30 Traffic is cheap, but conversion is not too many CMOs (Chief Marketing Officer) are watching brilliant, creative go to waste at the top of the funnel, because what’s passing through as qualified just isn’t so how can you identify where the real bottleneck is, and why is rethinking how MQLs (Marketing Qualified Leads) are defined and scored the single most strategic fix? A CMO can make welcome to this episode of the B2B Marketers on the Mission podcast, and I’m your host, Christian Klepp. Today, I’ll be talking to Gabe Lullo, who will be answering these questions. He’s the CEO of Alleyoop, a sales development agency working with industry giants such as ZoomInfo, Salesloft and Adobe. Tune in to find out more about what this B2B Marketers Mission is, and off we go. Mr. Gabe Lullo, welcome to the show, sir. Gabe Lullo  01:17 Christian. Thank you so much. First off, I’m a huge fan of yours, so is my team, and we just appreciate all that you do for the industry. And I’m so excited to be here. Thanks for the invite. Christian Klepp  01:28 Wow, wow. Thank you. Thank you so much. Right off the gate with the praise, thank you, sir. Gabe Lullo  01:33 Well, you deserve it, man, you’re the best. What do you do. I love it. I love your show, and I love being a part of that. Christian Klepp  01:38 I appreciate that. I appreciate that. You know, we really had an awesome, like, pre-interview conversation. I’m gonna say, like, you know, talking about coming up to Toronto and Buffalo and what have you. And I’m really looking forward to this conversation, Gabe, because, man, you know, what? As much as some Marketers probably don’t want to hear this. It’s an, I think this is an absolutely necessary conversation to have. Right this topic that we’re going to talk about, and I will not keep the audience in suspense for too long. I’m just going to jump into the first question, if you don’t mind. Gabe Lullo  02:09 Yeah, no problem. Let’s get right into it. Christian Klepp  02:11 All right, so Gabe, you’re on a mission to provide the ultimate assist to your clients by setting them up for success. So for this conversation, let’s zero in on the following topic of how B2B Marketers can fix qualification at the top. So here comes the first question in our previous conversation. You talked about many marketing funnels being a leaky bucket. Can you please explain what you meant by that? Gabe Lullo  02:36 Yeah, I think companies right now are going to market in a very hodgepodge type of way, you know, ICP (Ideal Customer Profile), you know, we throw that terminal around a lot, and, you know, people think they know what it is, or feel like they have it drilled down, or feel like it’s completely locked, locked in. And then clients invite us in, and we realize it’s not the case, and it’s not just what the ideal client profile is, which, of course, is quintessential to going to market, and it’s really the first step to qualification, isn’t it, right? But on the other side of it, it is, you know, is there a product market fit? Is there a pricing that needs to be aligned? What’s the competitive landscape look like? So when we’re having live conversations, our sellers are making, you know, 11 million cold calls a year. That’s front of the line conversations, right? And we can hear, understand, and truly, you know, debrief with what each call is sounding like, so we can then narrow in what those qualifications should be. You know, a lot of you know, let’s say VPs of sales come into the sales development side of the house or the marketing side of the house, and they apply sales training methodologies to top of funnel qualifications, and it really gets broken as well. So there’s a lot to unpack, but I’ll give you an example. You know, band for instance, but you know budget authority needed timing. Like, is that really the right qualification at the top of the funnel, or does that really, you know, evolve the seller and the demo and the discovery call at that moment in time. So really understanding who’s in charge of that top of funnel and what their experience is also as a part of it, in my opinion. Christian Klepp  04:13 Absolutely, absolutely and you’re absolutely right. There’s so much to unpack here, but I have to ask just from your experience, and I know you have a lot, it seems like it’s just, there’s so many moving parts in this ecosystem, and a lot of like, well, what causes the leaky funnel? I’m gonna say is a lot of the things that you just mentioned, right? It’s a lack of understanding of who the actual ICP is. It’s probably also, especially the bigger the the organization gets sorry to everyone out there, but the lack of ownership and accountability, the lack of an actual strategy, like, where’s this all gonna go? Right? Gabe Lullo  04:54 Oh, it’s interesting. Yeah, I find this to be our except we so we’re doing top of the funnel activities, and we’re sending leads over, the sales team takes them, and then what we find, a lot, we hear this all the time, is leads aren’t closing. And what’s interesting is that it was never a lead problem. It was more of a seller problem. Now I don’t mean to put blame on it, but companies come to us saying, hey, my sellers are saying we don’t have enough leads, we don’t have better leads, we don’t have good leads, and they’re the ones complaining about the lead so they come to us to fix the lead problem. We fix the lead problem, but it doesn’t fix the revenue problem. It’s still not closing. So what is it? It’s the entire channel, right? It’s the entire sales journey, and we have to make sure that all of those things are working like an engine, right? All the cylinders are working at the same time in the same motion, to truly know what the problem may be. So that that’s really exposed a lot when we step in and start doing top of funnel activities, Christian Klepp  05:55 Absolutely, absolutely. And that segues into the next question, which I feel you’ve already answered to a certain extent. But where do you feel the true bottleneck lies, and that may be dependent on the company, right? Because each company maybe has a different set of challenges. And most importantly, okay, where does the bottleneck lie? And how do how can B2B Marketing teams help address the bottleneck and not be part of the bottleneck? Gabe Lullo  06:21 Yeah, absolutely. I mean, there’s an eight step approach to sales. That’s what we call your sales journey, right? You have, obviously, you know, list building, and then we have, of course, outreach, we have qualification, we have discovery call, we have demo, we have, you know, closing or negotiating. We have client success. I mean, that’s the basic funnel, if you will. So is our, I should say, all of those things operating at the best of its ability. And what is broken, and it’s, it’s the old, you know, Henry Ford approach the assembly line. You know, there’s an assembly line and building a car, and there’s an assembly line in sales. And you have to know those steps, firstly, two, you have to know if those steps are working correctly, and figure out where that bottleneck is, and then, you know, take those blockers away so that those cars are flowing in and the production line doesn’t stop and we’re, you know, executing on the results that we need to serve our clients. Christian Klepp  07:16 100% agree. But now I’m gonna throw in another like wild card question, and I know you can handle it, right? When companies like yours come in to help organizations, right, there are times, even from my own experience, where the internal teams look at you and go, What are those guys doing here? Right? Like, is my job on the line. So they feel, they feel threatened, right by by somebody coming in and providing an external perspective. So I guess the question is, how do you deal with that kind of push back to help fix this leaky marketing funnel? Gabe Lullo  07:57 Yeah, it’s very important, right? Because a lot of companies come, you know, come in like us, and say, You know what, we’re going to come in here and try to solve the problem, or rip and replace or threaten the job. And it’s interesting, our point of contact, usually is the person who may be, you know, being fired because of our success. Well, we don’t want to approach it that way. So we set clear expectations that, hey, listen, we’re not here to rip and replace we are here to work as a parallel to what you’re existing doing, so we can A/B test and share best practices and be collective in those results. A lot of companies who have existing teams in place usually put us in scenarios where we’re bringing something new to market, or we’re reaching out to a market that is you know, you know, a new product line or a new segment, and we’re bringing that in. We do, however, see about a 20 to 30% increase in existing production when an outside partner comes in, because, again, we are sharing best practices. We’re all working together, but there is some pressure on the line when they see it. You know, another great player on the team playing ball. However, we did put a mechanism in place that really helps alleviate the fear, if you will, of that rip and replace scenario. Very unique thing to us, only a handful of companies I know about, of hundreds and if not thousands, that do what we do, do this. And here’s what it is, a lot of companies want to hire everything within and bring everything in house, in the sales development side within, because they graduate those people into account executives or closers or higher level performers or managers, so that graduation of career placement is there if you do it in house. So what we say is, you know what? You can have that great feeling of growing and building your team in house with us too. So all of our reps (representatives) who come work here, and all of our clients who enroll with us know that they can hire our reps and and bring them into their payroll and into their in house team with our help. So that’s a really good way of curving the fear, because they know, hey, this person who’s executing this outbound activity could be our next closer, and we can hire them to not take again, to not take away from what their current teams are doing, but to add to and grow that existing team they have. Christian Klepp  10:14 Absolutely, absolutely, and you know where I’m going with this, right? Because, like, you know, far too often, especially the higher ups that are not involved in the day to day, that are looking at this from the, I call it the Mount Olympus perspective, right, looking down at the land of the living, right? Like, why are you bringing in an external partner? Isn’t that your job to fix it? Right? But there are benefits to your point of, like, bringing in somebody that’s external, that’s not privy to, perhaps, some of the bias, some of the, certainly, the, certainly the organizational like dynamics and politics, which may, may be more detrimental than useful, right? Gabe Lullo  10:50 Yeah. I mean, we do punchy contracts, right? We have a six month minimum engagement. But so when we do that, you know, we’re saying, Hey, listen, we’re, we’re going to work with you for six months. We’re going to give it everything we got. And if it’s something you want to bring in-house from our team, great. If it’s you want to continue, great, or if you’ve learned a lot and you’re able to duplicate our efforts, also great too. So again, we’re not going in there saying, Oh, this is our world. Now. Get out of the way. Good luck, you know, and giving pink slips to people, it’s about really, again, how can we help? How can we assist? How can we hit this number? It’s not getting hit. There has to be reasons why. And let’s figure those numbers out, and let’s figure out the reasons why. And then, and then we move on, you know. So there’s short contracts, and then there’s very, very long contracts, you know, ZoomInfo has been a client off and on for the last decade. We’re doing a program right now where they just launched a lot of cool things, and we’re helping them so companies like that, size and stature, still come to outside help when necessary, when the timing is right and the fit is right. Christian Klepp  11:55 Amazing. Amazing. All right. Next question. So why do you believe rethinking how MQLs are defined and scored as the most strategic fix that a CMO can make, and what are some of these other key pitfalls that Marketers should avoid, and what should they be doing instead? I mean, let’s, let’s keep the conversation constructive here, right? Gabe Lullo  12:17 So defining and scoring MQLs is by far one of the first things, if not the most important thing, to start with, right? Because that is, again, the start of that assembly line. You know, garbage in, garbage out. And so if we’re not actually understanding why those MQLs are, the MQLs that we are saying they are, and what those triggering events are causing them to be considered. MQLs could truly dictate whether or not we’re receiving garbage into the funnel versus excellence and extraordinary leads and MQLs into the funnel. So again, it’s going back to that ICP, like we discussed earlier. It’s determining, okay, are these worthy and does it make sense to continue this, lead this MQL down the funnel, and will it produce results? Should it even be in the system at all? So knowing that up front, like I said earlier, it’s like the raw material. You know, if you have really bad raw material that you’re using to build your cars, you know, no matter how great it comes out at the other end, it’s not going to be a quality vehicle. So it’s that, it’s the raw material that we need to make sure that’s first and foremost, because it’s the start of the entire process. Christian Klepp  13:29 Yeah, yeah, no, that’s for sure. Because, you know, how many times have you heard that, right? Like the marketing team says, well, we’ve, we’ve got, we’ve generated the MQLs, we’ve passed them on to the sales team now, so we’re good, yeah, but that’s not where it stops, right? Like, so especially if the MQLs are, like, not qualified, right? Gabe Lullo  13:48 No, I couldn’t agree with you more. And again, having sales and marketing work synergistically in that determination is paramount. You know, so many companies, and it’s the old adage, and I think it’s almost a cliche now, because it’s been said so many times that you know, sales is throwing spears over the fence to marketing, and marketing is throwing another spear back to them, and they’re fighting back and forth over this wall. The deal is, you got to break down the wall and start having conversations. And again, sellers have to give feedback on why we’re seeing this to not be the right fit, and Marketers have to be curious and asking what those things may be happening on those conversations, so they can go find the MQLs that that is worthy. Christian Klepp  14:30 Absolutely, absolutely. And on that topic, what are some of these other pitfalls that marketers should be looking out for, and what should they be doing instead? Gabe Lullo  14:39 Yeah, I think what right now is that you have to really understand your channels. You know, a lot of Marketers right now are doubling down on things that may not be producing the results that they have been expecting. Maybe a year from now, two years from now, every company is different, every ICP is different, and every industry is different. I’ll give you an example. You know, if you’re reaching out to sellers and you know, red. Heads of revenue, you have to have a totally different approach than if you’re reaching out to VPs of technology and cyber security. Now that may sound basic, but if you were coming from a company and you’re in your head of marketing, and you’re coming from a company where your ICP and your persona is all tech based companies, or all tech based personas, and you go into a new industry or a new company, and you come with that lens. It’s not the right approach. You know, sellers like to pick up the phone. They think they’re customers. They use the phone all day long. They pick up the phone all the time. Maybe that’s the right channel, right? CTOs (Chief Technology Officers), CIOs (Chief Information Officers), CSOs (Chief Security Officers), they are not usually picking up the phone. Maybe they’re their channels significantly different, and so you have to realize, understand what your persona is, so you can do marketing activities towards that total addressable market that resonate and hit home and get their attention. And it could be just as much as where they live in regards to where, where do they associate with, what, what channel are they living on? Are they people that pick up the phone? Are they ones that live on LinkedIn? Are they ones that go to Instagram? Are they ones that go to conferences? Where is your audience? And know that first and then go talk to them? Christian Klepp  16:10 That’s definitely a great insight. You know it. I know it. The problem is that there’s so many teams out there that skip this part, right? Like that, like that. That detailed breakdown you just gave us about the different let’s call them like, the different personas, the different behaviors, the different channels, like, Why do you think a lot of teams out there skip this part? Is it because of the the time crunch, the pressure to deliver immediately is all of the above? Gabe Lullo  16:37 Yeah, I think, you know, there’s a lot of boardrooms out there. They come out with this unique product, and then with all they do is they do is they look at the TAM, what’s the total addressable market? But that’s like saying, I want to go catch a tuna fish. But you know, let’s just look at the entire ocean. Like, okay, we have to be more specific. Where do the tuna fish actually swim? Where part of Do they like warm water? Do they like the coast? Are they more towards New Zealand, or are they up towards the Massachusetts? So you have to know where your school of fish are. If you want to go fishing, you can’t just look at the entire ocean as the market. And I think narrowing it down to understand patterns and where people are so you can go talk to them is the right approach, versus this spray and pray mentality that I feel marketing has been living in for many, many years, and now it’s becoming more self evident because of AI, right? Because AI can tell us a lot of these things. AI can do a lot of analysis and research, and it’s giving us insights that we’ve never been able to really see before because of the speed and quickness of it. And so I think we are getting to a point, and I’m hopeful that we are more specific with our total addressable markets in new companies specifically that may not have the experience or the capacity like they used to. And I think it’s exciting. Christian Klepp  16:37 Oh Gabe, you just open the door to another question there. Man. Gabe Lullo  16:37 Like, start with an A. Christian Klepp  16:37 Yeah, it starts with an A. But, like, you know, since you brought it up, I’ve got to ask AI, right? Gabe Lullo  16:37 Yeah. Christian Klepp  16:37 And in terms of, like, helping to fix a leaky marketing funnel, how do you from your experience and your perspective, how do you think AI is helpful, and how is it harmful? Gabe Lullo  17:23 Sure. I mean double edged sword, right? We love AI. We accept it. We know it’s here. We’re not scared of it. We’re not running away from it, but we’re also not ripping and replacing things too abruptly with with the implementation of it, either. For instance, I’ll give you real examples. Are we telling AI to go make cold calls? Well, no, it’s illegal, technically. Secondly, are we using it, though, on the flip side, to train our reps on how to effectively handle great questions and objections through an AI sparring partner? Yeah, we are, and it’s amazing at it. So we actually have our reps when they’re brand new and onboarding or launching into a new campaign. We program the robot, the AI right to be able to have conversations in real life time with our reps, to literally spar with them. And it’s like practice. It’s a sparring partner before they go live onto a campaign, and it prepares them immensely before the live show, before they’re before they’re active, right on the campaign. So this is one way we’re doing it. Other ways, obviously email, messaging, obviously personalization, obviously research, you know, pre-call research, account research, determining who’s picking up the phone when they pick up the phone, how many times does it take to call them? You know, time zones? What’s the best time to call them? And it’s crazy what it could do, but it’s really, really helpful. But it’s not a crutch. It’s an assistant, and that’s how we’re approaching it. It’s not replacing human to human communication. If it was. Maybe you and I would just have our AI avatars do this podcast right instead of we’ll be on a beach somewhere, maybe we’ll be there in the future. I’m not predicting it, but I will say there’s a huge, significant role it plays right now, but it is not a role that’s, in my opinion, supposed to replace everything. It can replace a lot, but not everything. Christian Klepp  20:20 Absolutely. I mean, it certainly requires a lot of like, human intervention, right? And it’s and it’s constantly learning, and it’s learning quickly, which I think is to its benefit, to its detriment. And I think that’s, that’s your point as well. There’s a lot of stuff out there that’s AI generated that just looks off, starting with videos even, even like in I don’t know if you’ve dabbled with Google notebook, right? It can, it can take all that content and turn it into an audio file. And it’s scary. How real it sounds. Gabe Lullo  20:54 It is pretty scary. And I have seen tools like that. I love there’s one right now, where it’s actually tracking not even what someone is saying, but how they’re saying it. So tonality, right is a huge piece of communication, as we know, and so it’s literally listening to calls and sales calls, and not just again, we’ve seen it before, like, you know, Gong and others, where it’s telling, hey, maybe say this. Don’t say that, but it’s also giving that score of how they’re delivering that message, which, in my world, is huge because, you know, I could read a script, or I can, you know, have an amazing performance, and that’s how we approach, you know, the way we communicate on a phone call. So that is why we’re so excited. Because there’s new tools coming out all the time that are really, really impactful, for sure. Christian Klepp  21:42 Absolutely, absolutely. So you’ve touched on this a little bit like in the past couple of minutes, but explain how market research and strategy help to develop a solid marketing funnel, not a leaky one. Gabe Lullo  21:55 Yeah. I mean, I think it’s your playbook, right? You know, you have to have a built out playbook, and it’s your guide. And it’s not just important to go to market with a playbook, but it’s also going to market to scale, right? You know, once you get it to work, the ever everything after that is, how do we duplicate and how do we scale? So the playbook is that design is the architecture behind your strategy. So when we do start pouring fuel on the fire and we’re adding people, we’re adding leads, we’re adding workflows, we’re adding everything outside of that, we still go back to the playbook. It’s like the Constitution, right? Everything based off that in our country. I know we’re in different ones, but my point is is, is you have a framework, right, that we go off of and that playbook is so vital to our importance of market research gives us a great understanding of where that playbook is built and how it’s designed and how it’s architected, and that’s how we that’s how we do it here. Christian Klepp  22:55 And even how the playbook can be iterated, right? Because let’s not forget that it’s not written in stone. Gabe Lullo  23:01 Evolving. Yeah, absolutely. I do want to warn people, though, evolve with time. Be patient, right? You know, marketing, sales, development, it’s not a light switch. Yeah, I always say it’s like boiling water, right? So a watch pot technically does boil. It’s just painful to watch. So, but the point is, is that you have to give it enough time to see if that playbook is yielding results. What you don’t want to do is change the play, you know, too many times in the middle of the game, because then you look confused and confused. People do nothing, right? So, yes, is it evolving? Does it pivot? Does it grow? Do you do you change things up, of course. But also you want to do it in a tactful timeline to make sure that it is truly a working playbook or not. Christian Klepp  23:47 Absolutely, absolutely. And you brought something up, and I have to ask this, this next question, it’s… We know, from a marketing point of view, that rolling out these initiatives and seeing the results takes time, yeah, but we’ve had, I’ve certainly had this experience in B2B, that there are people, again, at the top, that don’t have oversight into the day to day, and probably also don’t understand quite how the process works, that don’t have that patience, right, that are telling you, like, hurry up and deliver like, we want results right now. So what do you say to those, I guess the people that are doubting that this initiative needs more time than they think it does. Gabe Lullo  24:30 Yeah. I mean, I think looking at benchmarks and case studies and past results is very important, like I said, Back to the boiling of water. You can show a thermometer as well, like you can see, is it working well? You can put a thermometer in a boiling pot of water and watch the temperature go up, right? And it gives you a clear indication and forecast, if you will, that you’re going to achieve boiling point eventually. It’s not just again, you put the water in and then. And you all of a sudden, measure boiling. You have to measure along the way, and that’s we want to do. So what the ways we do it specifically is, if we’re working on a campaign that is almost a look alike campaign to another company, maybe it’s in the same industry, same ICP, you know, same your size, same scope, we can look at that historical result and say, Hey, by the way, if we do these, these, these and these, you’re going to we’re going to expect boiling point at this time based on a company that’s very similar to yours. Now, is it identical? No, maybe that company has really bad sellers we talked about. Maybe that company doesn’t really care about content and they’re just missing the boat there. Maybe they have a crappy website, like, I don’t, there’s different levers that could, you know, alter the recipe, but we can absolutely make highly educated guesses, as opposed to just trying to wing it or give false expectations. Christian Klepp  25:54 Yeah, yeah, no, that’s absolutely right, all right. I mean, you’ve given us a lot of, like, recommendations, a lot of actionable tips. So walk us through, and I know it varies from company to company and case by case, but walk us through the process of how you actually fix a leaky marketing funnel. Like, what are the steps? What are those key components that absolutely have to be in that process? Gabe Lullo  26:14 Yeah, you have to, you know, inspect what you expect. You have to understand what your messaging is, and you have to A/B test it all the time. I A/B test everything, whether it’s data vendors, whether it’s email messaging, whether it’s LinkedIn content, what you have, obviously mechanisms, depending on what tech you’re working with, what vendors you’re working with, or your history or historical results are to give you grades and scores and A/B testing everything. So if you have, you know campaigns that are running that are successful, you should be able to know how to measure that. That’s what’s so important. So you have to have inspect, inspection tools in place across everything you’re doing on those campaigns to tell you, Hey, this is broken, this is leaky. This isn’t working. Or on the flip side, this is crushing right now. This is totally resonating right now, and we’re loving these, seeing these numbers, and then pour fuel on that fire and focus on that and remove the other ones, and still A/B test, because you always want to keep getting better. So A/B test everything, define the leaks, and then try to fix those leaks as fast as possible. Christian Klepp  27:23 Fantastic, fantastic. And because we’re talking about marketing funnels, I mean, like, I can’t help myself but ask you, okay, but what about metrics? Because that’s something that people want to see, right? But I’m not talking about like, let’s, let’s come up with this like, laundry list of like metrics, and you go down this deep rabbit hole. Like, what are the metrics that you would say, or you would advise B2B Marketers to look at to say, like, okay, we’re trying to fix the leaky marketing funnel here, and these metrics will help you to indicate that there is progress. Gabe Lullo  27:53 Yeah. I mean, it’s harder now than ever before to metric things out, and it’s because of tech that’s kind of getting in the way. You know, for instance, in an email campaign, there’s been some rules and regulations in the last recent years that prevents us from seeing whether or not there’s clicks and opens that are happening on email campaigns. I’ve actually removed many of those triggers completely away from our campaigns, because it’s preventing deliverability, and it’s preventing our ability to keep domains healthy. So there are a lot of moving parts right now that’s happening because of these AI filtration tools. I just heard Google just released that it’s going to now put disclaimers and emails saying that this was written by AI. And so there’s it’s ever involving so depending on I guess when your listeners are hearing this, it may be completely different in a year, but I will tell you that there are definitely things that we need to metric and we need to have KPIs for. But I think the priority of what we used to measure two, three years ago, is significantly different than what we measure today, because of those rules and regulations. So if we’re talking about emails, I want to know what we’re sending, who we’re sending it to, who obviously is responding. What are those responses look like? Is it turning to an actual lead? Are we turning on warm leads, or are we just looking at set meetings? You know, it’s interesting, right? There is only about 2 to 3% of the market ever wants to truly buy, and they’re in buying mode, and I think a lot of companies are just looking for those people, and about 20% of the market is actually interested in buying and we turn that entire segment off. It’s about 10 times more people. But if we can warm the nurture them correctly, and message them correctly, that’s where the rubber meets the road, and that’s where your gold is. I like to analogize everything. So, yeah, when you have a green apple, right? What do you do with the green apple? You put it on the window sill, and then the sun on the windowsill warms it up. Now, that doesn’t mean you just throw out the apple. That means you have a lot of opportunity. You just have. To nurture, and you be patient. And you have to know that timing is everything in business. So if you’re just looking for the red apples, you’re only gonna get 3% if you’re looking for green apples that turn into red apples, now you’re getting 25% so focus on the 25, be patient. Fix those leaky buckets, of course. A/B test, and then then you measure. Christian Klepp  30:20 Yeah or you get yourself an apple orchard. You mentioned one keyword there, nurture, right? I think that’s the one that’ll I see a lot of, like people in sales and even in marketing, right? They just don’t take that time to nurture those leads. They close in. I keep saying they close in for the kill too fast, right? Gabe Lullo  30:44 Yeah. I mean, go back to that food analogy, that the fruit analogy, again. Christian Klepp  30:49 Sure. Gabe Lullo  30:49 I’m on a roll with that. Christian Klepp  30:50 Please. Gabe Lullo  30:50 It’s the low hanging fruit cliche, right? Christian Klepp  30:52 Yes. Gabe Lullo  30:52 Everyone focuses on the low hanging fruit. They’re not focusing on what else is part of that harvest. They’re not focusing on the nurturing. They’re not focused on watering. They’re not focusing on circling back, following up, checking in, providing value in those checks. Not just say, Hey, I’m following up, no, provide value in those seconds, right? And that’s again, that’s where you see excellence happen, you know? And there’s a lot of young, and I don’t mean to be age, but like tenure, people that are experienced, that are in these experience roles right now, and I feel that they’re just trying to get that quick answer and that quick response. And we’re in this like dopamine, like, you know, hit like social media environment right now. Not to go off topic, but I think people are not again, they’re in this microwave society, and they don’t understand the value of nurturing. And if you do and you treat that part seriously, wow, it usually is a windfall at that time. Christian Klepp  31:47 Absolutely, absolutely. It’s an art, a skill, a craft, isn’t it? Right? All of you love, okay, my friend, we come to the point in the conversation where we’re talking about actionable tips, and Gabe, you’ve given us plenty, all right, but just think of this kind of like a recap. If there was somebody listening to this conversation that you and I are having, and you want them to walk away with three to five things that they that they can take action on right now, when it comes to fixing a leaky marketing funnel, what would they be? Gabe Lullo  32:17 Well, I think the best thing is you have to really decide if you have the right people in place, right, and are they? And it doesn’t mean that they are the ones that are going to bring it home. It doesn’t mean that they’re they don’t need support and training and love, like, do they have the commitment? Do they have good experience? Are they willing to roll up their sleeves and get get a little dirty, and if you feel like you have a great team in place of people that are ready to get to work and solve some problems. I think that is literally step one. Step two is, do we have the messaging in the mark, in the ICP nailed down? We really need to know that, because, again, there’s no point of building a campaign if you don’t know who you’re sending it to. And then, thirdly, you really have to make sure that you’re willing to A/B test. It’s hard enough to build a campaign, but it’s much more difficult to build two or three campaigns. Run three campaigns, right as opposed to one, and score each of them to determine what’s working, what’s effective, and what’s not, and then you pivot based on those results. So I think finding a great team is basic and fundamental. Finding a great ice or determining a great ICP is before you build the messaging and then measure the message across multiple campaigns, and then you should be on your way Christian Klepp  33:29 And test, test, test, everything, right? Gabe Lullo  33:34 Yes, it’s great. It could be working. It’s exciting, but maybe there’s a significantly more effective way of doing it, even though it’s still working, and let the data make those decisions for you and drive everything based off data driven decisions, and that’s how you should be operating. Christian Klepp  33:51 Absolutely, absolutely. All right. Here comes the soapbox question, a status quo in your area of expertise that you passionately disagree with and why? Gabe Lullo  34:05 Yeah, I think the big thing right now, and I have to just kind of talk about my space, because you said in my industries, like, there’s a lot of, you know, people out there soapboxing, to be exact, on things that are dead or not. And I will tell you that, you know, cold calling is dead, emailing is dead. You know, LinkedIn is dead, or all of these things and and when you peel back the onion, you notice that those individuals who are saying that users are trying to sell a book or something, and nothing against selling books, but it sounds like there’s a personal agenda and not actual operational intelligence that is dictating what they’re saying. So to your point about testing everything, don’t assume something is not going to work just because someone said it on the internet. Test it and then decide if it’s going to work. And it may surprise you in a big, big way. Christian Klepp  34:56 I truly believe that, man, I truly believe that. I mean to your point. About, like, email being dead. I mean, I did close one client who was a guest on the show, and it took me a year to close, but I closed it through email. Gabe Lullo  35:09 Yeah. Christian Klepp  35:11 Right. And it’s to your point, it’s sending, sending that person articles that were relevant to that person’s industry and saying, like, Hey, I read this the other day, what are your thoughts on this? And here’s my take. What do you think? Gabe Lullo  35:24 That is the best way to do an email, right? You know, we do a lot of content and on social media, we do a lot of podcasting, posts on LinkedIn, but that’s all great, but where the rubber meets the road is you take that post and you send it in an email or a direct message and say, Hey, listen. This made me think of our last conversation, and I really liked the way that this person mentioned this. Do you think you know that there is, is the timing right here to reopen this conversation, and you feel like the problem is still existing in your world, and love to see if we can solve it for you, that type of content, that type of message, that type of verbiage at the right time in a nurture campaign like we discussed, close one business, right? That’s how it works. Christian Klepp  36:08 Absolutely, absolutely okay. Here comes the bonus question, and for those of you that are listening to the audio version, Gabe’s got two guitars right behind him, so I’m just gonna go on a hunch here that he likes playing guitar, right? So the question is, if you had the opportunity to, like, go on a tour with your favorite guitarist/musician, who would it be, and where would you go? Gabe Lullo  36:36 Wow, I love this question. I do play the guitar. I’m a bet big avid music player. Love Rock as well, but all genres, I will say, in real life, we just actually my family, my wife and daughter and I went to go see Oasis reunion tour, which was in Toronto, actually, out of all places. Christian Klepp  36:53 That’s right, you mentioned it. Gabe Lullo  36:54 Yeah, we went to see that. It was epic. Obviously, the brothers have been apart for many years. A lot of drama there. But yeah, you know, I’m old enough to remember their original songs, so it was cool to reminisce and introduce my daughter to that music, which was pretty cool. We’re gonna go see Paul McCartney in a few weeks. He’s on tour now and never seen him or I’m a big fan of The Beatles, and I think that would be really exciting to tour with him, obviously. And I think those are definitely both of those right there kind of sum up the type of music that I resonate with. Christian Klepp  37:26 Amazing, amazing. I just remember, like, this is, this is a couple of years ago. I think he’s already passed away, but Compay Segundo. Gabe Lullo  37:33 Oh yeah. Christian Klepp  37:34 Buena Vista Social Club. And the guy was in his 90s, and they were, they had a concert, and they they brought him up in stage in his wheelchair, helped him get up, get out of that wheelchair, and they gave him that guitar, and off he went, Man, like, Gabe Lullo  37:48 Yeah, yeah, that’s amazing, man, that’s amazing. Christian Klepp  37:53 Gabe, this has been such a great conversation. Thank you so much for coming on and for sharing your experience and expertise with the listeners. So please quick intro to yourself and how folks out there can get in touch with you. Gabe Lullo  38:03 Yeah, LinkedIn is the best way to connect with me directly. I post twice a day, every day. We’re very bullish with our content. There’s a lot of free material there. We have a newsletter, so please take a look at that, and if you like what you see, and he heard today, you know, reach out, and I’ll definitely be responsive. And you know, anyone who is looking or struggling with the after-sales motion, which are after marketing motion, that sales development function, that’s where we play, and we’d love to look at what you’re looking for and see how we can help. Christian Klepp  38:33 Sounds good. Gabe, once again, thank you so much for your time. Take care, stay safe and talk to you soon. Gabe Lullo  38:38 Thanks, Christian. Christian Klepp  38:39 All right. Bye for now.

Let's Talk About Your Most Valuable Asset: Your Time Welcome back to America's #1 Daily Real Estate Podcast with Tim and Julie Harris — top international real estate success coaches and eXp Realty sponsors. If you're serious about success, it's time to align with leaders who've helped agents scale faster, attract more clients, and build lasting wealth. Ready to choose your broker or upgrade your brokerage experience? Join today at https://WhyLibertas.com/Harris or text Tim directly at 512-758-0206. Your future in real estate starts here. Crush 2026 Before It Crushes You Want more listings in 2026? Start here. Tim & Julie Harris reveal how top producers are staying ahead with smart lead generation, magnetic branding, and simple systems that keep pipelines full. Perfect for real estate agents ready to level up in 2026. Claim your spot now: https://HarrisMastermind.com If you're driving 45 minutes across town to meet a seller who is “just curious” and not planning to list for six months, you're not running a business — you're running a hobby. Every wasted appointment: Lowers your listing presentation win rate Puts you on the spot with surprises (you're competing and didn't know it, they want a price 20% above market, etc.) Trains you to tolerate low-quality business instead of distinguishing between have-to-sell sellers and testing-the-market sellers Top-producing agents don't book more appointments. They book better, pre-qualified appointments. Big Announcement Everything from today's show — including the notes — is waiting inside our Daily Newsletter. Get lead generation strategies, real estate scripts, and success plans delivered to you for free. Grab it now: https://harrisrealestatedaily.com/

In this episode, Jason and Clara shared how SDRs can improve cold call qualification to boost pipeline conversion and set AEs up for success. Check out more free content and get coaching at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://outboundsquad.com.⁠

Hear more sermons at http://www.lvbaptist.org/service-podcast/ Watch Our TV Broadcast here: https://www.lvbaptist.org/wfmz-program/ Visit us here: Lehigh Valley Baptist Church 4702 Colebrook Ave. Emmaus, PA 18049

January 7, 2026 Wednesday Night Teaching by Pastor Jeff Colón Website: www.lighthouseontherockky.org

This teaching is Part 13 of the "HaSatan (Did the Devil Make You Do It?)" series.Rabbi Steve Berkson takes us on a deep dive into scripture, into the spiritual underworld, led by an entity known in scripture as HaSatan. Understanding the enemy of our belief is crucial to successfully living a Torah-observant life.• Opener • Reset • 2 Timothy 2:23-26 - Key verses• Looking for a few good men• Setting expectations • Playing by the rules• What about your giving?• You can be given understanding • Endure or deny?• 2 Timothy 2:13 - He cannot deny himself • Waging verbal battles • Forcing or enforcing?• Verbal battles (continued)• As a teacher, you must set the bar• Profane empty babblings?• Yahweh knows who are his • That's impossible! • Walk away from the lies • Why our Shabbat service is 4 hours long • What are good works?• Imputed righteousness?• Foolish and stupid questions?• Qualifications for a congregation leader• Taken captive by the devil?• The Church is a tool of the devil?• PrayerListen to the Afterburn tomorrowSubscribe to take advantage of new content every week.To learn more about MTOI, visit our website, https://mtoi.org.https://www.facebook.com/mtoiworldwide https://www.instagram.com/mtoi_worldwidehttps://www.tiktok.com/@mtoi_worldwide You can contact MTOI by emailing us at admin@mtoi.org or calling 423-250-3020. Join us for Shabbat Services and Torah Study LIVE, streamed on our website, mtoi.org, YouTube, and Rumble every Saturday at 1:15 p.m. and every Friday for Torah Study Live Stream at 7:30 p.m. Eastern time.

Pool Pros text questions hereIn this episode of the Talking Pools podcast, Lee and Shane discuss strategies for expanding pool service businesses in 2026. They explore the transition from residential to commercial pools, the importance of qualifications and insurance, and the need for proactive maintenance and testing. The conversation also highlights the significance of utilizing existing databases, creating innovative service packages, and networking to uncover new revenue streams. The hosts emphasize the importance of being proactive in business growth and adapting to market demands.takeawaysThe New Year is a great time to consider business growth.Qualifications are essential for entering the commercial pool space.Insurance is crucial when dealing with commercial pools.Understanding the difference between residential and commercial pools is key.Testing and maintenance frequency increases with commercial pools.Utilizing your database can uncover untapped business opportunities.Innovative service packages can enhance customer offerings.Networking can lead to valuable partnerships and referrals.Exploring new revenue streams can diversify income.Being proactive in business strategies is essential for success.Sound Bites"New Year, new you.""Think outside that square.""Be proactive, not reactive."Chapters00:00Introduction and New Year Aspirations02:08Exploring Commercial Pool Opportunities06:49Understanding Qualifications and Insurance for Commercial Pools15:53Defining Commercial vs Residential Pools19:47Navigating Responsibilities and Risks in Commercial Pool Management23:46Leveraging Your Database for Business Growth27:22Expanding Service Offerings and New Revenue Streams31:30Networking and Collaborating for Business Success35:36The Importance of Proactive Business Strategies39:36Conclusion and Future Outlook #PoolService #CommercialPools #BusinessGrowth #IndustryQualifications #PoolInsurance #PoolMaintenance #ServiceOfferings #IndustryNetworking #RevenueStreams #ProactiveStrategies  BufferZoneBufferZone has been created by a frustrated pool maintenance companyThe Pool Shop Coachan online store offering industry-specific business mentoring, coaching, and training programs Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

Title: The Qualifications for EldersPreacher: Jim HamiltonSeries: 1 TimothyPassage: 1 Timothy 3:1–7

Today, we're diving into an exciting development in obesity treatment—oral semaglutide.  Last week, the FDA approved Novo Nordisk's Wegovy pill as the first and only oral GLP-1 for weight loss in adults. This approval is based on results from the OASIS-4 phase 3 clinical trial showing that a once-daily oral version of semaglutide can deliver nearly the same weight loss results as the injectable form.  So, what does that really mean for patients and treatment options? Let's break it down. Read the Full Episode Transcript: https://pepties.com/oral-semaglutide/ Dr. Nikki's Qualifications: https://bifat.life/about/ Related Links/Products Mentioned: Peptide Podcast Partners Page https://pepties.com/partners/ BioLongevity Labs (Purchase Peptides online) Use our link and enter COUPON CODE: PEPTIDEPODCAST at checkout to receive 15% off your total order https://go.biolongevitylabs.com/aff_c?offer_id=1&aff_id=1582&aff_sub=PEPTIDEPODCAST Momentous Supplements (we use Creatine, Vital Aminos, Whey Protein) https://crrnt.app/MOME/OqGQOxGA LMNT – More Salt, Not Less.  https://elementallabs.refr.cc/default/u/johnjavit Thorne Supplements (we use Omega-3 with CoQ10, Red Yeast Rice, Zinc) https://get.aspr.app/SH1KvW Organifi Creatine and Shilajit Gummies http://rwrd.io/rlbkajm?c MitoZen (methylene blue for Cognitive Function, Anti-Aging, Mental Clarity) https://www.mitozen.com/ref/cnlwiztypt/ For skin and hair health (Copper Tripeptide-1)  Visit Luminose by Entera for an exclusive offer for Peptide Podcast listeners!  ** Promo code PEPTIDEPODCAST at checkout for 10% off an order or 10% off the first month of a subscribe-and-save. ** https://www.enteraskincare.com/?rfsn=8906839.f93c72 NAD+ Push Patch: https://www.pushpatch.com/

Today we're talking about sleep — something that affects every system in the body, yet is often overlooked until it becomes a problem. Not just how many hours you're in bed, but how deeply you sleep, how well your body restores overnight, and whether you actually wake up feeling rested.  We're also going to talk about a peptide that's been getting more attention in the wellness space for sleep support: DSIP, or Delta Sleep–Inducing Peptide. Read the Full Episode Transcript: https://pepties.com/dsip-peptide-therapy-for-sleep/ Dr. Nikki's Qualifications: https://bifat.life/about/ Related Links/Products Mentioned: Peptide Podcast Partners Page https://pepties.com/partners/ BioLongevity Labs (Purchase Peptides online) Use our link and enter COUPON CODE: PEPTIDEPODCAST at checkout to receive 15% off your total order https://go.biolongevitylabs.com/aff_c?offer_id=1&aff_id=1582&aff_sub=PEPTIDEPODCAST Momentous Supplements (we use Creatine, Vital Aminos, Whey Protein) https://crrnt.app/MOME/OqGQOxGA LMNT – More Salt, Not Less.  https://elementallabs.refr.cc/default/u/johnjavit Thorne Supplements (we use Omega-3 with CoQ10, Red Yeast Rice, Zinc) https://get.aspr.app/SH1KvW Organifi Creatine and Shilajit Gummies http://rwrd.io/rlbkajm?c MitoZen (methylene blue for Cognitive Function, Anti-Aging, Mental Clarity) https://www.mitozen.com/ref/cnlwiztypt/ For skin and hair health (Copper Tripeptide-1)  Visit Luminose by Entera for an exclusive offer for Peptide Podcast listeners!  ** Promo code PEPTIDEPODCAST at checkout for 10% off an order or 10% off the first month of a subscribe-and-save. ** https://www.enteraskincare.com/?rfsn=8906839.f93c72 NAD+ Push Patch: https://www.pushpatch.com/

Power, money, status, titles, money, positions, looks, etc., gets many people placed on pedestals that they aren't able to handle and are struggling to maintain! When you choose your mind, body, and soul over self-love and peace, you'll always be plagued in some way by negativity. What's inside of you will always influence your choices and decisions, because of the mindset that you have!Become a supporter of this podcast: https://www.spreaker.com/podcast/relationships-and-relatable-life-chronicles--4126439/support.

# 386 - Les abus spirituels ➡️ DESCRIPTION: Dans ce premier podcast de la série sur les abus spirituels, je reçois Charles Boisvert qui est psycho-éducateur et qui se spécialise dans l'étude des comportements anti-sociaux. Pour ce premier épisode, nous tenterons de définir ce qu'est l'abus spirituel. Nous dépeindrons également les traits des personnes susceptibles de commettre de tels abus. Retrouvez les autres articles et épisodes de cette série sur l'abus spirituel ici: https://toutpoursagloire.com/article/abus-spirituel TABLE DES MATIÈRES 00:00 - Intro 02:29 - Présentation de Charles Boisvert 06:10 - Qu'est-ce que l'abus spirituel? 12:29 - Qu'est-ce qui n'est pas un abus spirituel? 22:06 - Quels sont les traits d'un abuseur? 34:31 - Rigidité et ouverture 40:04 - L'insécurité des pasteurs 41:35 - Qualification: diplôme vs caractère 44:49 - Danger: les objectifs avant les personnes 50:18 - Que faire si on a péché en ce sens? Conclusion 58:34 -

The Qualifications for Christ's Mediation. The Quality of Christ's Mediation.

According to much of Scripture on forgiveness, the one who needs forgiveness, needs to ask for forgiveness in order to receive it. But there is another kind of forgiveness.

Hans and Robby are back again this week with a brand new episode! This week, they discuss easy health qualification for long term care.  Don't forget to get your copy of "The Complete Cardinal Guide to Planning for and Living in Retirement" on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGuide.com. Find us on YouTube: Cardinal Advisors.

Our guest today loves a good challenge. He's picked a good profession because the world of Driveaway provides, well, a truckload of them! But, Jaboris Christian meets these challenges head on and wisely sees them as opportunities to develop himself and build his bottom line. Whether it's navigating the idiosyncrasies of CNG or learning to master the right-hand drive, Jaboris is six years deep and picking up steam! He brings his experience and chill disposition to our conversation today and we're so glad he could join us for today's episode of the Six-Figure Trucker.Show Notes:Jaboris joins us from the cab of a brand new Volvo! (0:39)Qualifications and Perspectives on Driveaway (3:03)Resets and On-time Percentages (5:10)Specialty vehicles, CNG, and other challenges (7:55)Love for the Open Roads (13:36)Keep Trucking, Jaboris! The Six-Figure Trucker is a weekly podcast about driveaway trucking brought to you by Norton Transport. For more information or to subscribe, please visit Six-FigureTrucker.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Doug Green, Publisher of Technology Reseller News, sat down with Ian Richardson, Founder and CEO of Fox & Crow, to explore a topic that many MSPs underestimate until it becomes painful: lead qualification. While generating leads often gets the spotlight, Richardson argues that chasing the wrong prospects can quietly drain revenue, morale, and long-term growth. Drawing on his experience as a former MSP owner, Richardson explained how poorly qualified leads consume senior technical resources, distract sales teams, and can even damage existing customer relationships. “Landing a bad customer is worse than not signing them at all,” he said, noting that MSP onboarding often reveals fundamental misalignment only after months of effort and sunk cost. Richardson outlined a practical framework for qualification that goes beyond firmographics. MSPs must determine whether a prospect views IT as a strategic investment or merely a cost to be minimized—an insight that can only be uncovered through early conversations, often starting with frontline staff. This mindset distinction, he emphasized, is the real gatekeeper to sustainable, profitable client relationships. The discussion also addressed scale and focus, with Richardson cautioning MSPs against stepping outside their ideal customer profile in pursuit of larger deals. Even seemingly attractive opportunities can become “bad-fit accounts” that erode margins and stability. Through Fox & Crow, Richardson positions his firm as a strategic partner helping MSPs build disciplined, organic sales engines that prioritize fit, focus, and long-term value over raw lead volume. More information about Fox & Crow is available at https://www.foxcrowgroup.com/. Software Mind Telco Days 2025: On-demand online conference Engaging Customers, Harnessing Data

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Thanks for listening to The Peptide Podcast.  Today, we're diving into the combined power of high-dose NAD+ and GHK-Cu. I'm genuinely excited about the technology behind a product called the Push Patch. It uses iontophoresis— which is a completely non-invasive technology that uses gentle electrical currents to push these ingredients deep into the skin and directly into circulation. But really, this episode isn't about the product itself—it's about what's inside it and how it's delivered. Read the Full Episode Transcript: https://pepties.com/nad-ghk-cu-and-the-push-patch/ Push Patch: https://PushPatch.com Podcast interview mentioned -Mind Pump 2672 - Peptides vs Bioregulators: The Future of Health Optimization w/ Nick Andrews Push Patch conversation starts at 43:50 https://youtu.be/9Kcg1GH9Vk0?si=aunac20OuowAwFsQ&t=2630 $5.99 Derma Roller to 10x the treatment: https://amzn.to/4oWWKUJ Dr. Nikki's Qualifications: https://bifat.life/about/ Related Links/Products Mentioned: Peptide Podcast Partners Page https://pepties.com/partners/ BioLongevity Labs (Purchase Peptides online) Use our link and enter COUPON CODE: PEPTIDEPODCAST at checkout to receive 15% off your total order https://go.biolongevitylabs.com/aff_c?offer_id=1&aff_id=1582&aff_sub=PEPTIDEPODCAST Momentous Supplements (we use Creatine, Vital Aminos, Whey Protein) https://crrnt.app/MOME/OqGQOxGA LMNT – More Salt, Not Less.  https://elementallabs.refr.cc/default/u/johnjavit Thorne Supplements (we use Omega-3 with CoQ10, Red Yeast Rice, Zinc) https://get.aspr.app/SH1KvW Organifi Creatine and Shilajit Gummies http://rwrd.io/rlbkajm?c MitoZen (methylene blue for Cognitive Function, Anti-Aging, Mental Clarity) https://www.mitozen.com/ref/cnlwiztypt/ For skin and hair health (Copper Tripeptide-1)  Visit Luminose by Entera for an exclusive offer for Peptide Podcast listeners!  ** Promo code PEPTIDEPODCAST at checkout for 10% off an order or 10% off the first month of a subscribe-and-save. ** https://www.enteraskincare.com/?rfsn=8906839.f93c72 NAD+ Push Patch: https://www.pushpatch.com/

He quit during Hell Week. Most don't come back. Jovon Quarles did — and became a Navy SEAL Honor Graduate.Born into chaos in Washington D.C., Jovon grew up with a mom addicted to crack, no father, and violence all around. He became a dad before he graduated high school. Then he joined the Navy — not because he wanted to, but because he had no choice.He found the SEAL Teams by accident. But what followed wasn't luck — it was pain, failure, and redemption.In this Urban Valor interview, Jovon walks us through:- Quitting his first Hell Week and what it did to his soul- Fighting to go back and earn the Trident- The mindset it takes to finish BUD/S- Real SEAL Team deployments in combat zones- Why he says pain is the path- And how he turned his lowest moment into a missionThis isn't just a Navy SEAL story. This is what it looks like to lose everything… and choose to fight anyway. If you're struggling, stuck, or feel like it's too late — this one's for you.

Hanna Bauer is a keynote speaker, executive coach, and CEO of Heartnomics Enterprise, a leadership development service. In this pod, she describes how infant heart issues led her to Believe, Engage, Act and Transform others. Along the way we discuss – the Journey (0:45), Qualifications (2:30), DiSC (7:45), John Maxwell (9:00), Leading with Values (11:00), From Heart Ablation to Heartnomics (14:00), Hope (19:30), Hustle with Heart: Mini-shifts (25:00), B.E.A.T. (33:45), "listen to your Mom" (39:00) and Empeno con Corazon (40:00). Interested in leading change? Reach out to Hanna @ Heartnomics, Hanna Bauer. Grab a copy of Hanna's book @ Hustle with Heart: 52 mini-shifts to Maximize Your Impact This podcast is partnered with LukeLeaders1248, a nonprofit that provides scholarships for the children of military Veterans. Send a donation, large or small, through PayPal @LukeLeaders1248; Venmo @LukeLeaders1248; or our website @ www.lukeleaders1248.com. You can also donate your used vehicle @ this hyperlink – CARS donation to LL1248.  Music intro and outro from the creative brilliance of Kenny Kilgore. Lowriders and Beautiful Rainy Day.

Pastor Richard Barcellos, 1 Timothy 3, Titus 1

Pastor Richard Barcellos, 1 Timothy 3, Titus 1

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In this episode of Let's Combinate: Drugs + Devices, host Subhi Saadeh addresses five significant quality issues in the combination product space. This episode provides practical insights and strategies for overcoming these common hurdles to enhance quality and efficiency in developing combination products.00:00 Introduction and Host Background00:43 Overview of Development Processes01:51 Issue 1: Documentation Approach in Design Transfer04:45 Issue 2: Early Input from Manufacturing and Assembly SMEs07:26 Issue 3: Control Strategies and Sampling Plans10:23 Issue 4: Method Transfer and Control Planning12:02 Issue 5: Qualification of Supplied Components14:47 Issue 6: Monitoring Expectations in Combination Products16:55 Conclusion and SummarySubhi Saadeh is the Founder and Principal of Let's Combinate BioWorks and host of the Let's Combinate: Drugs + Devices podcast/Youtube Channel. With experience across Quality, Manufacturing Commercialization, Sustaining and R&D, Subhi has helped industrialize and launch drug delivery systems for biologics, vaccines, and generics at leading organizations such as Pfizer, Gilead, and Baxter. Subhi focuses on bridging the disconnect between drug and device development and specializes in harmonizing internal systems, aligning internal and external partners, and helping combination product teams move from siloed execution to scalable, compliant, and patient-ready solutions. He currently chairs the Rx-360 Combination Product Working Group and was the International WG Chair at the Combination Product Coalition. He has contributed to global harmonization efforts through BIO, ASTM, and AAMI. He is a certified ISO13485 Lead Auditor, CQA and CQE.For questions, inquiries or suggestions please reach out at letscombinate.com or on the show's LinkedIn Page.

In this episode of the Additive Snack Podcast, host Fabian Alefeld delves into the technically demanding world of gas turbines with Dr. Ilya Fedorov, an R&D project manager at Siemens Energy. The discussion covers the transformative impact of additive manufacturing on turbo machinery, touching on innovations in combustion systems, turbine blades, and repair processes. Dr. Fedorov explains how Siemens Energy harnesses additive manufacturing to improve performance, strengthen supply chains, and embrace green fuels like hydrogen. The episode also explores the rigorous qualification processes for additive components, the development of new materials, and the potential future advancements in the sector.Long-Term Lifetime Validation of Hot Turbine Guide Vanes Manufactured by Laser Powder Bed Fusion | J. Eng. Gas Turbines Power | ASME Digital Collection00:00 Introduction to Additive Manufacturing in Gas Turbines01:47 Ilya Fedorov's Journey into Additive Manufacturing05:00 The Light Bulb Moment: Realizing Additive's Potential09:49 Siemens Energy's Additive Manufacturing Strategy15:03 Challenges and Innovations in Gas Turbine Environments19:25 Additive Manufacturing Applications in Gas Turbines25:11 Repair and Longevity of Gas Turbine Components36:52 Qualification and Testing of Additive Components44:57 Materials and Process Development in Additive Manufacturing49:39 Future Directions and Challenges in Additive Manufacturing59:05 Conclusion and Final Thoughts

One of the most important aspects of the church is making sure the leaders are those who have been appointed by Jesus. Today, as we study the qualifications of leadership in 1st Timothy 3, we'll see that the qualifications are a helpful tool to guide us in recognizing the leadership Jesus has appointed in that particular church. So join us in this important study! Check out our Bible Study Guide on the Key Chapters of Genesis! Available on Amazon! To see our dedicated podcast website with access to all our episodes and other resources, visit us at: www.keychapters.org. Find us on all major platforms, or use these direct links: Spotify: https://open.spotify.com/show/6OqbnDRrfuyHRmkpUSyoHv Itunes: https://podcasts.apple.com/us/podcast/366-key-chapters-in-the-bible/id1493571819 YouTube: Key Chapters of the Bible on YouTube. In 2025, we were awarded #10 on the list of the "Best 100 Bible Podcasts" list from www.millionpodcasts.com. We are grateful to be included in the "Top 100 Bible Podcasts to Follow" from Feedspot.com. Also for regularly being awarded "Podcast of the Day" from PlayerFM. Special thanks to Joseph McDade for providing our theme music.   

Similar to pastors, deacons also must meet certain qualifications: Deacons must be reverent, good with finances, and not addicts Deacons must have faithful wives Deaconesses must be reverent and not gossipers All Christians must be unified on the "mystery of Christ" What the mystery of Christ is   Hey! Don't go away yet! Also check out these other P40 sites:  Website - https://www.p40ministries.com YouTube - https://www.youtube.com/watch?v=Hnh-aqfg8rw Ko-Fi - https://ko-fi.com/p40ministries  Facebook - https://www.facebook.com/p40ministries  Contact - jenn@p40ministries.com  Rumble - https://rumble.com/c/c-6493869  Books - https://www.amazon.com/Jenn-Kokal/e/B095JCRNHY/ref=aufs_dp_fta_dsk  Merch - https://www.p40ministries.com/shop  YouVersion - https://www.bible.com/reading-plans/38267-out-of-the-mire-trusting-god-in-the-middle    Support babies and get quality coffee with Seven Weeks Coffee  https://sevenweekscoffee.com/?ref=P40   This ministry is only made possible due to your generous support https://www.p40ministries.com/donate

Episode 324 is an extra mid-week podcast showcasing our live podcast at the Canadian Aesthetic Expo!  Dr Jake & David were invited to the event by the Canadian Aesthetic Medical Association. In addition doing various talks and recorded podcasts, they held this live podcast on stage with three of the event's KOL speakers: Dr Kian Karimi (Plastic Surgeon from Los Angeles, USA) Dr Zack Ally (Cosmetic Physician from London, UK) Amy Lynn (Aesthetic Nurse Specialist, Philidelphia, USA) In this 30 minute session our hosts asked our guests a series of challenging questions about ethics, training standards, the impact of social media, over-filled colleagues and more. 00:00 Introduction  00:45 Live from the Canadian Aesthetics Expo 01:17 Meet the Guests: Dr Kian Karimi, Dr Zack Ally, Amy Lynn 03:01 Qualifications and Training in Aesthetics 06:07 Ethics and Integrity in Aesthetic Practices 09:29 The Natural Look and Overfilled Syndrome 14:39 Community and Support for Injectors 15:36 Social Media Influence and Industry Challenges 17:15 The Role of Social Media in Shaping Identity 18:03 Challenges in Patient Education and Consultation 20:05 The Impact of Technology on Cosmetic Procedures 21:52 The Future of Cosmetic Surgery and Business Models 22:51 Finding Your Signature in the Cosmetic Industry 24:12 The Importance of Authenticity in Social Media 25:41 Debunking Popular Cosmetic Treatments 27:57 The Future of Anti-Aging and Regenerative Medicine 30:35 Final Thoughts and Favourite Toxins SUBSCRIBE TO OUR PATREON FOR EXCLUSIVE PODCASTS, WEEKLY EDUCATIONAL CONTENT & JOIN OUR WHATSAPP COMMUNITY CLICK HERE TO BROWSE OUR IA OFFERS FOR DISCOUNTS & SPECIALS CLICK HERE IF YOU'RE A BRAND OR COMPANY & WANT TO WORK WITH US CLICK HERE TO APPLY TO BE A GUEST ON OUR PODCAST CONTACT US

Proud to announce we've partnered with Lotto, the iconic Italian brand, who will be sponsoring our podcast through the World Cup. Announcement coming later on IG but in the meantime go follow them & let em know IFTV sent you :) https://www.instagram.com/lottosportus/TIMESTAMPS0:00 Are we live?1:24 Gli Azzurri… how we feeling'?3:58 WC playoffs for dummies11:00 Huge news!12:35 Qualification doesn't solve anything30:54 Gattuso and UEFA qualification process37:38 Are the players good enough?43:03 Chiesa situation, clarified45:36 Who deserves to be in the next game?54:22 Esposito might be the real deal57:58 Who is to blame if we don't qualify?l