Podcasts about Quicken Loans

MORTGAGE FORECLOSURE SALE Default having been made in the payment of the indebtedness secured by that certain mortgage executed by Veronica Rambo, a single woman, originally in favor of Mortgage Electronic Registration Systems, Inc., as nominee for Quicken Loans, LLC, on December 14, 2020, said mortgage recorded in the Office of the Judge of Probate of Clarke County, Alabama, in DMM Book 1542 Page 774; the undersigned Rocket Mortgage, LLC f/k/a Quicken Loans, LLC, as Mortgagee/ Transferee, under and by virtue of the power of sale contained in said mortgage, will sell at public outcry to the highest bidder for...Article Link

MORTGAGE FORECLOSURESALEDefault having been made in thepayment of the indebtedness securedby that certain mortgage executed byJonathan Franz and Bridget Franz,husband and wife, originally in favorof Mortgage Electronic Registration Systems, Inc., as nominee forQuicken Loans Inc., its successorsand assigns, on March 5, 2011, saidmortgage recorded in the Office of theJudge of Probate of Clarke County,Alabama, in DMM Bk 1381 Pg 345;the undersigned Rocket Mortgage,LLC f/k/a Quicken Loans, LLC f/k/aQuicken Loans Inc., as Mortgagee/Transferee, under and by virtue ofthe power of sale contained in saidmortgage, will sell at public outcryto the highest bidder for cash, infront of the main entrance of theCourthouse...Article Link

I'd write more here, but I've got places to be. Becky, Jeremy, and I are going to engage in some holiday festivities. We have a couple gingerbread houses to make and a tree to trim. And no nog to speak of. Really, that's all you get by way of show notes this time as a result, deal with it. Send your complaints to podcast@searls.co and they will be read on air. Some bullet points below the fold: My 90-minute, outdated guide to setting up a Mac Aaron's puns, ranked Jim Carrey is 62 and can't even retire I bought my 8 year old a switch and didn't realize how much games cost Teen creates memecoin, dumps it, earns $50,000 Startup will brick $800 emotional support robot for kids without refunds Install the Mozi app (manifesto here | app here) Vision Pro getting PSVR2 controllers The 2024 Game Awards news roundup Intergalactic: The Heretic Prophet looks badass, but is it too inclusive for The Gamers? We don't talk about Luigi An invisible desktop app for cheating on technical interviews (HN comments) Sora is out, but it's not good yet Indiana Jones and the Great Circle is out, and it is good yet Emudeck is so great it shouldn't be legal, and some people probably think it isn't Pikmin Stay tuned to my YouTube channel for upcoming LIVE streams Transcript: [00:00:00] Thank you. [00:00:29] Good morning, internet. [00:00:32] I started speaking before I realized, as an asynchronous audio production, it's actually pretty unlikely that it's the morning where you are. [00:00:43] Although, if it is the morning, coincidentally, please feel free to be creeped out, check over your shoulder. [00:00:51] Today was, I woke up with Vim and Vigor this morning, super excited to take on the day, thinking maybe I've got what it takes to record an audio production today. [00:01:07] And then we have an elderly coffee pot. [00:01:11] I don't want to completely put the blame on it because we were using it wrong for several years. [00:01:24] And it's a long story that I will shorten to say, any piece of consumer electronics or appliances in America, the half-life keeps decreasing. [00:01:37] And so when I say elderly coffee pot, I mean that we bought this coffee pot post-COVID. [00:01:42] And it's already feeling like, oh, we should probably get a new coffee pot, huh? [00:01:45] What happens is, from time to time, heat will build up in the grounds dingus. [00:01:55] I'm just realizing now that I'm like, you know, I'm not a coffee engineer. [00:01:58] Some of you are. [00:02:00] But, you know, of course, we all know that the dingus is connected to the water spigot, which is above the craft. [00:02:09] And what happens, as far as I can tell, is once in a while, you get all that hot water and grounds swirling around. [00:02:20] And if it clogs at all, like if it doesn't release just so, the whole little undercarriage, again, this is a technical term, just stay with me. [00:02:30] And we'll pop forward like three millimeters, which is just enough for the water to kind of miss its target on the craft and then spray all who's he what's it's, as well as for the spigot to start just kind of like splurring, you know, this water coffee slurry everywhere. [00:02:49] And so I went after, you know, but then you still get the triumphant ding dong sound that the coffee is ready. [00:02:56] So I walked over to the coffee expecting like, yes, it's the best, best way to start my day or whatever. [00:03:06] Pull out the coffee. [00:03:07] And the pot is too light. [00:03:10] And I had a familiarity of like what that means. [00:03:13] It means like there is water somewhere. [00:03:17] And it's not in this pot. [00:03:19] And so it's just like, you know, this big, big machine we actually have we've put because of our Mr. [00:03:26] Coffee's, you know, elderly onset incontinence. [00:03:33] We have we have put the entire coffee pot on a tray, like a rimmed silicone tray that you would use for like, I guess, a dog feeding bowl, right? [00:03:45] A dog, you know, messily eats food and slaps water around and stuff. [00:03:49] And you don't want it all over your hardwood. [00:03:50] Like you'd put this underneath that and it would catch some of the water. [00:03:53] So we I spent the first 30 minutes of my waking life today getting my hopes up that I was going to have coffee, followed by, you know, painstakingly carrying this entire cradle of of of coffee pot full of hot brown liquid. [00:04:10] That would stay in all of my clothes and, you know, get on the cabinets and stuff with a silicone underbelly thing. [00:04:18] And just kind of like, you know, we've got one of those big we're very fortunate to have one of those big farmers, farmer house, farmhouse. [00:04:25] I never know what to call it. [00:04:27] Steel, basically a double wide sink. [00:04:30] So what's nice about a double wide sink is that if you've got a problem in your kitchen and you're only a few steps away, whether it's the coffee pot part of the kitchen or the fridge or the freezer or the God forbid, the range or the oven, you can just sort of strategically hurl whatever it is you're holding just about into the into the sink. [00:04:51] And then once it hits the sink, it's, you know, the the the potential damage is limited. [00:04:57] So I gently hurled my coffee apparatus. [00:05:02] Is that the plural of apparatus? [00:05:04] One wonders into the into the into the sink and then spent the next 20 minutes, you know, scrubbing them and all to make another pot. [00:05:13] And Becky, of course, walks down the minute that the second pot is about to be finished. [00:05:18] And I'm like, I've already seen some shit and I'm going to go record a podcast now. [00:05:22] And that swallow you just heard was me having a sip of coffee that was not disgusting, but not great. [00:05:31] But I'll take it over where I was an hour ago. [00:05:39] Thank you for for subscribing as a as a true believer in breaking change. [00:05:47] We're coming up on one year now. [00:05:49] It's hard to believe that it's already been a year, not because this has been a lot of work or a big accomplishment, but just because the the the agony of existence seems to accelerate as you get older. [00:06:03] It's one of the few kindnesses in life and so as we whipsaw around the sun yet again, we're about to do that. [00:06:11] This is the 26th edition version 26 of the podcast. [00:06:17] I've got two names here to release titles and I haven't picked one yet. [00:06:22] So as a special. [00:06:24] Nearing the end of the year treat. [00:06:29] I'm going to pitch them both to you now, right? [00:06:31] So so we're in this together. [00:06:33] I like to think this is a highly collaborative one person show. [00:06:37] Version 26 rich nanotexture. [00:06:42] And that's a nod to the MacBook Pro has a nanotexture anti-glare screen coding option. [00:06:52] It's a reference to the rich Corinthian leather that was actually it's a Chrysler reference. [00:06:58] It's a made up thing. [00:06:59] There is no such thing as Corinthian leather, but like that's what they called their their seating. [00:07:03] And Steve Jobs referenced that as being the inspiration for I think it was the iPad calendar app. [00:07:13] With the rich Corinthian leather up at the top during the era of skeuomorphic designs back in 2010, 2009, maybe I can't remember exactly when they I think it's 2010 when he had his famous actually leather chair demonstration of the iPad. [00:07:28] Maybe the reason that that stood out to me was the car reference because it is it is an upsell. [00:07:34] The nanotexture $150 if you want to have a don't call it matte finish. [00:07:41] The other one, so that's option one, rich nanotexture. [00:07:46] And I didn't love it because I couldn't get texture. [00:07:49] I couldn't get the same Corinthian, right? [00:07:53] Like you want that bite, the multisyllabic bite that adds the extra, you know, the gravitas of a luxury good. [00:08:04] Yeah, texture just didn't have it for me. [00:08:06] But then if you change that word, it doesn't make sense. [00:08:08] So I mean, the other option two that came to mind version 26 don't don't by the way, don't think I'm going to edit this in post and fix it. [00:08:19] I will not. [00:08:20] I will ultimately land on one of these and that will be the title that you saw on your podcast player. [00:08:25] Or maybe some third thing will come to mind and then this conversation will be moot. [00:08:29] I do not think of this collaborative exercise. [00:08:32] Just imagine it's a it's a it's a quantum collaboration. [00:08:37] So by observing it, that's you actually took part. [00:08:41] You opened your podcast player and then the yeah, the entangled, you know, bits just they coalesced around one of these two names or some third name. [00:08:58] It's all just statistics version 26 Luigi's Mansion, which is a nod to two things at once. [00:09:05] I'm going to talk a little bit about GameCube, but also I'll probably not escape mentioning Luigi Manjoni Manjoni man. [00:09:15] You know, I haven't been watching the news. [00:09:17] I don't know how to pronounce his name, but it looks enough like mansion that I was like, oh, man. [00:09:21] I bet you there's a Nintendo PR guy whose day just got fucking ruined by the fella who is a overnight folk hero. [00:09:30] More attractive than most assassins, I would say. [00:09:35] Great hair. [00:09:36] Good skin. [00:09:37] Apparently, skincare Reddit is all about this fella who murdered in cold blood the CEO of UnitedHealthcare. [00:09:45] If you haven't caught the news, if you're even less online than I am. [00:09:51] And yeah, so I'm trying to decide. [00:09:53] I think Luigi's Mansion is probably going to win. [00:09:56] It's more timely. [00:09:57] It's the first time the name Luigi has come up in the last year. [00:10:00] And I may have mentioned nanotexture before when discussing Apple's very compromised studio display. [00:10:11] So I'm leaning Luigi's Mansion, but, you know, don't tempt me. [00:10:15] I might switch. [00:10:18] I'm going to just keep drinking coffee because I got to power through this. [00:10:21] Let's talk about some life stuff. [00:10:24] I so when we last talked that way back in the heady days of version 25, I had just gotten off a plane from Japan. [00:10:34] I was still a little bit jet lagged. [00:10:36] I recorded later in the evening. [00:10:38] I was tired. [00:10:39] You know, I was still overcoming. [00:10:41] I listened to the episode, realized I was overcoming a cold. [00:10:44] You know, then Becky shortly thereafter, after recording, she developed a pretty bad cough. [00:10:51] And so we've both been sleeping relatively poorly. [00:10:53] And I can't complain about this cough because her having a cough for four nights is nothing like me snoring on and off for over a year. [00:11:02] And I think the fact that her cough is consistent is actually a kindness compared to the sporadic nature of my snoring, where it's like I might go a week without it. [00:11:11] And then all of a sudden there's like, bam. [00:11:14] So she doesn't, you know, it's like sneaks up on her and that's not fair. [00:11:17] So so she's got a cough and I haven't been sleeping particularly well. [00:11:20] Maybe that's it. [00:11:22] I also, you know, I wanted to dry out because I was living on shoe highs, you know, canned cocktails in Japan for way too long. [00:11:30] Just drinking, you know, five whole dollars of alcohol every day, which is an irresponsible amount of alcohol. [00:11:36] It turns out. [00:11:40] Yeah, that's one nice thing about living in Orlando and theme park Orlando is that the average price of a cocktail here is seriously $20. [00:11:49] I think it is. [00:11:51] I am delighted and surprised when I find a cocktail under $20. [00:11:55] That's any good. [00:11:55] In fact, the four seasons right around the corner, their lobby bar has a some of the best bartenders in the state of Florida. [00:12:05] Like they went all kinds of awards. [00:12:06] And so when you say a lobby bar, you think it sucks. [00:12:09] But it's actually it's like it's a it's a restaurant with a room if you're ever around and they still do a happy hour with like $4. [00:12:18] It was $4 beers. [00:12:19] I think they finally increased to $5 beers draft beer. [00:12:23] And it's all craft. [00:12:25] You know, it's all fancy people stuff. [00:12:27] And they do it's I think it's $10 margaritas, French 75s, and they got some other happy hour cocktail. [00:12:37] It was highballs for a while. [00:12:39] Whiskey highballs was like probably centauri toki or something. [00:12:43] I gotta say like that $10 margarita. [00:12:47] They'll throw some jalapeno in there if you want some tahini rim, you know, they do it up. [00:12:52] They do it well. [00:12:54] But that might be the cheapest cocktail I've had in all of Orlando is at the Four Seasons. [00:13:01] Famous for that TikTok meme of the Four Seasons baby, if you're a TikTok person. [00:13:06] Anyway, all that all all this drinking talk back to the point. [00:13:11] I've been not drinking for a week. [00:13:12] And I, you know, I'm back to tracking my nutrients every day. [00:13:17] The things that I consume and adding up all of the protein and carbohydrate and realizing [00:13:21] if you don't drink, it's actually really easy to blow past one's protein goals. [00:13:25] And so I had one day where I had like 240 grams of protein, which is [00:13:28] enough protein that you'll feel it the next morning if you're not used to it. [00:13:34] And I still was losing weight. [00:13:38] I lost like five or six pounds in the last week. [00:13:43] And to the point where it was like, you know, I was feeling a little lightheaded, [00:13:47] a little bit woozy because I wasn't drinking enough is the takeaway. [00:13:52] So so thank God we got to go to a Christmas party last night. [00:13:57] It was it was great Gatsby themed. [00:13:58] And I dressed up like a man who wanted to do the bare minimum to not get made fun of at the party. [00:14:05] So I had some some suspenders on instead of a belt, which was the first time I ever put on suspenders. [00:14:13] They were not period appropriate suspenders simply because they had the, you know, the [00:14:18] little class B dues instead of how they had some other system for I don't I don't fucking know. [00:14:25] Like I, I had chat GPT basically helped me through this. [00:14:28] And it's like, hey, you want these kinds of suspenders? [00:14:30] I'm like, that sounds like an ordeal. [00:14:31] How about I just get some universal one size fits all fit and clip them in? [00:14:36] I also had a clip on bow tie. [00:14:37] So that worked. [00:14:39] When you think clip on bow tie, I guess I'd never used one before, but like it, I always [00:14:45] assumed it would just be like, you know, like a barrette clip that would go in front of the [00:14:49] front button and look silly for that reason. [00:14:51] And maybe that's how they used to be. [00:14:53] But it seems these days, if you want to spend $3 on a fancy clip on bow tie with a nice texturing, [00:14:58] I'll say, uh, it's just pre it's a pre tied bow with a still wraps around your neck. [00:15:04] It's just, it has a class mechanism, which seems smart to me, right? [00:15:08] I don't know what. [00:15:09] Look, if you're really into men's fashion, uh, there's this weird intersection or this tension [00:15:19] between I'm a manly man who, who ties my own shoes and, you know, kills my own dinner and [00:15:25] stuff. [00:15:25] And I, I, for fuck's sake, tie my own bow tie from scratch every day. [00:15:29] Right? [00:15:29] Like there's a toxically masculine approach to bow ties, but at the same time, it is such [00:15:35] a foofy accoutrement. [00:15:37] It's like an ascot, um, that the idea of like a manly man, like a man trying to demonstrate [00:15:43] his manliness by the fact that he doesn't use a clip on bow tie, uh, came to mind yesterday [00:15:50] when I was, uh, struggling even with the clasping kind. [00:15:54] I was like, man, I wish I could just get this to anyway. [00:15:58] Um, I had a vest at a gray vest. [00:16:03] This is all brand new territory for me. [00:16:05] Uh, yeah, I, I've, I've leaned pretty hard into the t-shirt and shorts and or jeans life [00:16:10] for so long. [00:16:12] Uh, the, the fella in front of us when we, when we were checking in, cause they took little [00:16:16] photos of you, uh, all of the women had the same exact flapper dress from Amazon, you know, [00:16:22] with the, the, the, the hairband thing with the, you know, fake, the polyester peacock tail. [00:16:28] Becky's looked the best. [00:16:29] I'm not gonna, I'm not even lying. [00:16:32] Uh, uh, her dress actually fit. [00:16:35] He had some, uh, very ill fitting flapper costumes that these women couldn't even move in. [00:16:40] Um, it was interesting. [00:16:42] Uh, but the, the fella in front of us at check-in was wearing a, a, a full blown, you know, tuxedo [00:16:48] get up that he brought from home. [00:16:50] And he was talking about, Oh yeah, well he's got two of them and his wife, you know, ribbed [00:16:54] him a little bit that he could only fit in one. [00:16:55] I was like, man, owning a tuxedo, that's nuts. [00:16:58] Like, and then it like turns out he's like got all these suits and these fancy clothes and [00:17:02] he's an older gentleman. [00:17:05] Uh, but my entire career only the first few years did I have to think about what I was [00:17:10] wearing and, and it never really got beyond pleated, you know, khakis and a starched shirt. [00:17:18] And, and I had, I had to wear a suit maybe on two sales calls. [00:17:22] Um, and they were always the sales calls that were just, uh, there were certain sales demos [00:17:30] when I was a, a, a baby consultant, these really complex bids. [00:17:39] I remember we were at cook County once, uh, uh, the, the county that wraps Chicago and it [00:17:44] has a lot of functions and facilities that operate at the county level. [00:17:48] So, but of course we're in Chicago in some, you know, uh, dystopian office building. [00:17:54] That's very Gothic, I should say. [00:17:57] And the, the solution that we were selling was a response to a bid around some kind of [00:18:05] document, electronic document ingestion and, and, and routing solution. [00:18:09] And so what, what that meant was it was like a 12 person team. [00:18:14] It was a big project working on this pitch. [00:18:18] And most of the work and most of the money came from the software side at the end of the [00:18:23] process. [00:18:23] It's like, you're going to get IBM file net and you're going to get all these different, [00:18:26] uh, enterprise tools. [00:18:28] And we're going to integrate, uh, with all your systems and, and build these custom integrations [00:18:32] that you've asked for here and here and here. [00:18:33] But the, the, the hard part is the human logistics of how do you get all of their paper documents [00:18:41] into the system. [00:18:42] Uh, and that was my job was I had to get paper and then scan it, uh, with a production, big [00:18:50] Kodak funkin fucking scanner. [00:18:52] Uh, and then use, what was it? [00:18:54] Kofax capture or something like a, like an OCR tool of the era. [00:18:59] And the thing about it is that scanning is not, was not ever a science and neither is [00:19:07] OCR, the OCR stuff and OCR stands for optical character recognition. [00:19:10] So you'd have a form and you'd write on the form, like, you know, uh, uh, uh, uh, some, [00:19:15] some demo address and name and all this. [00:19:19] I spent. [00:19:22] So like the people doing the software, like they, they could just like click a button and [00:19:26] like, they could even just use fakery, right? [00:19:29] Like, Oh, the API is not really there, but I'll always return this particular, like, let's [00:19:33] call it an XML soap message. [00:19:34] And so the, the software guys clocked in, clocked out, got back to their billable work. [00:19:39] I, because the stakes were so high in this particular, uh, and I'm here right now explaining [00:19:46] all of this nonsense because I had to wear a suit and that was also really bad, but I [00:19:51] was in Chicago late at night with a group of like, at that point it was like 9 PM and it [00:19:54] was just me and two partners. [00:19:56] Cause the partners had a sickness called avoid family, stay at work. [00:20:02] And, uh, I, I was just running over and over and over again where I'd like, you know, [00:20:09] I'd take the paper, I'd put it through the scanner and it would get 90% of the OCR stuff [00:20:13] done, or I'd get it perfect. [00:20:15] And it would scan everything just right, which would result in the downstream, you know, after [00:20:21] the capture, like all of my integrations, like would route it to the right thing. [00:20:24] So that like, it was basically a game of mousetrap or dominoes where like my task was both [00:20:29] the most important to being able to demonstrate, but also the most error prone, but also the [00:20:37] least, uh, financially like, um, valuable to, to our services company. [00:20:42] And so I had no support, uh, on top of that, they, the, our fucking it people pushed out some [00:20:49] kind of, um, you know, involuntary security update security and bunny quotes that, that [00:20:57] slowed my system down dramatically in the course of just like a day. [00:21:01] And I had, I had no way to test for this. [00:21:04] So I remember I was up at like 11 PM at that point, trying to make this work consistently [00:21:10] and realizing that the only way to get it to run it all required me to, um, install a virtual [00:21:16] machine, put windows in the virtual machine, install all this software inside that virtual [00:21:22] machine, and then run it there because only in the black box of an encrypted virtual machine [00:21:27] image or, uh, you know, a virtual machine, like disc image, could I evade all of the accountant [00:21:33] bullshit that was trying to track and encrypt and, and, and muck with files and flight and [00:21:38] so forth. [00:21:39] And so it was only around like probably one 30 or two that I got to bed and our, our demo [00:21:46] was like at seven in the morning and I had to wear a suit. [00:21:47] So if you ever wonder, Hey, why is Justin always just in a, a t-shirt and shorts? [00:21:54] Uh, I would say childhood trauma, fuck suits. [00:21:59] The only, the only time I associate like nice clothes, you know, having a lot of [00:22:03] having to dress up is church shit. [00:22:05] I didn't want to go to. [00:22:06] And usually it's like the worst church shit. [00:22:09] Like there's some cool church shit out there, you know, youth group where everyone's a horny, [00:22:14] right. [00:22:15] And singing pop songs to try to get people in. [00:22:17] That's as church shit goes, that's above average. [00:22:21] But when you're talking about like, Hey, you know, this aunt you've never heard of died and [00:22:27] we got to go all the way to goddamn Dearborn to sit in a Catholic mass, that's going to [00:22:32] be in Latin. [00:22:33] And they're going to, you know, one of those, you know, you should feel bad for him because [00:22:39] he's abused. [00:22:39] But one of the altar boys, he's going to be waving that little like incense thingy, [00:22:43] the jigger back and forth and back and forth like a metronome. [00:22:46] And, uh, you're going to get all this soot in your face, all of that, you know, frankincense [00:22:51] and myrrh and whatever the fuck they burn. [00:22:52] And, uh, yeah, then they're going to play some songs, but they're not going to be songs you [00:22:57] want to hear. [00:22:57] And you're going to be uncomfortable because I bought you this suit at JC Penny when you [00:23:01] were like nine and you're 12, you're 12 now, and you've gained a lot of weight, but [00:23:06] here we are. [00:23:07] And then you got to go and, you know, like, don't worry because after the service, there's [00:23:12] a big meal, but it's mostly just going to be, you know, styrofoam plates and plastic forks [00:23:16] and, uh, cold rubbery chicken. [00:23:19] And then a whole lot of family members who want to pinch your cheeks, uh, had an aunt that [00:23:24] always wanted to, um, put on a bunch of red lipstick and kiss me and leave kiss marks. [00:23:30] And she thought that was adorable and everyone else thought it was funny. [00:23:33] And for whatever reason, I wasn't a fan, uh, that's the kind of, uh, yeah, so anyway, moving [00:23:45] right along the, uh, the, the other than having to dress up, the, the Christmas party was really [00:23:50] nice because it had an all you can drink martini bar. [00:23:52] So that, that helped that took the edge off a little bit since I hadn't been drinking for [00:23:57] the previous week. [00:23:57] Uh, and it was, you know, uh, they, they had a great bartender, the, the, I assume that [00:24:07] that people drank gin martinis back in the day of Gatsby, but it seemed to be a vodka forward [00:24:12] martini bar, which I appreciated. [00:24:15] Uh, as I get older and my taste buds start dying, uh, I found myself going from dry martinis [00:24:23] to martinis with an olive to martinis with two olives to me asking for like a little bit of [00:24:30] olive juice and then drinking the martini and realizing that wasn't quite enough olive juice. [00:24:34] So that's just disgusting, but, um, it's where, uh, it's one of the signs of age, I guess. [00:24:43] Uh, so the martini bar was good. [00:24:46] Uh, they also had an aged old fashion that they'd made, you know, homemade, um, with like nutmeg [00:24:51] and cinnamon in there. [00:24:52] That was impressive. [00:24:53] Uh, so yeah, had a, had a big old Christmas party last night, had a couple of drinks, uh, [00:25:00] and, and, uh, because of the contrast, whenever I go, you know, go a week without any alcohol [00:25:06] and then I have some alcohol and then I wake up the next morning and I'm like, oh yes, I [00:25:11] know what people mean now that alcohol is poison. [00:25:13] And it's a mildly poisonous thing because I feel mildly poisoned. [00:25:19] Um, and, and I just usually feel that most days until I forget about it. [00:25:23] So it's a data point, uh, to think about, uh, uh, I, I, I had a good, good run for, [00:25:30] for a while there, just cause like when you live in a fucking theme park and there's nowadays [00:25:34] alcohol everywhere that I go and every outing, I had a good run for a few months. [00:25:40] Um, not last year, the year before where I just didn't drink at home as a rule to myself. [00:25:46] I was like, you know, I'm not going to pour any liquor for myself at home unless I'm entertaining [00:25:49] guests. [00:25:50] And, uh, even then go easy on it because I I'm, I'm, I'm going to just the background radiation [00:25:56] of existence in when you live in a bunch of resorts. [00:25:59] Uh, I'll, I'll get, I'll get, I'll get plenty of alcohol subcutaneously. [00:26:05] Um, a contact tie. [00:26:07] So maybe I'll, maybe I'll try that again. [00:26:10] I don't know. [00:26:11] It's the stuff you think about in mid December when you're just inundated with specialty food [00:26:17] and drink options, uh, do other life stuff that isn't alcohol or religion or clothing [00:26:27] related. [00:26:28] Oh, uh, uh, I've been on a quest to not necessarily save a bunch of money, not necessarily. [00:26:35] Uh, I was going to say, uh, tighten my belt, but, uh, I don't know what the suspender equivalent [00:26:43] is because I did not wear a belt last night. [00:26:45] I just wore suspenders. [00:26:46] Uh, I've been interested in, in not budgeting either. [00:26:52] Just, I think awareness. [00:26:54] Like I want, I know that a lot of money flies through my pockets every month in the form of, [00:27:01] um, SAS software subscriptions and streaming services. [00:27:05] I mentioned this last, uh, last go round that I was recommending, Hey, let's say, go take a [00:27:11] look at like our unused streaming subscriptions of those. [00:27:14] Uh, yesterday I did cancel max. [00:27:16] Cause I realized that, uh, if I'm not watching a lot of news, I'm not going to watch John Oliver [00:27:20] and, and they frankly, a lot of HBO's prestige shows haven't been besides they cut a Sesame [00:27:28] street and it just so happened that I canceled that day. [00:27:31] So maybe there's a, some data engineer at HBO who's like, Oh man, people are canceling because [00:27:37] we got rid of Sesame street. [00:27:38] Uh, that would be good. [00:27:40] That would be good for America to get that feedback. [00:27:43] Uh, yeah. [00:27:44] I just want awareness of like, where's the money going and in what proportion and does that sound [00:27:50] right to me? [00:27:50] Uh, and I've, there are software tools for this. [00:27:53] Uh, they are all compromised in some way. [00:27:57] For example, we just, uh, we'd used lunch money in the past, which is a cool app. [00:28:02] And it has the kind of, you know, basic integrations you would expect. [00:28:06] I don't know if it uses plaid or whatever behind the covers, but like you, you connect your, your, [00:28:11] your checking accounts, your credit card accounts. [00:28:14] It lists all your transactions is very, um, customizable in terms of rules that you can [00:28:21] set. [00:28:21] It has an API. [00:28:22] Jen is a solo co-founder and she seems really, really competent and lovely and responsive, [00:28:27] which are all great things. [00:28:29] But the UI is a little clunky for me. [00:28:32] I don't like how it handled URLs. [00:28:33] It was like, once you got all the transactions in there and, and set up, it didn't feel informative [00:28:41] because there wasn't like a good reporting or graphs that just kind of at a glance would [00:28:45] tell you, this is where your money's going. [00:28:46] At least for me. [00:28:47] Uh, additionally, like it, it can't do the Apple card. [00:28:51] That's the, that's become the crux for a lot of these services is that, um, Apple card [00:28:55] only added support for reading. [00:28:59] Uh, well now you can read, uh, uh, so I, Apple added away on iOS and specifically iPhone [00:29:07] OS to read, uh, transactions from Apple card, Apple savings and Apple cash. [00:29:14] And this was like nine months ago, if that, but copilot, uh, money is one of two apps maybe [00:29:22] that supports this. [00:29:23] And so if you, if you have, we have, we each have an Apple card and we use it for kind of [00:29:29] our silly stuff whenever we're, you know, using a tap to pay. [00:29:33] So, so if, if you want to track transactions and you don't want to manually export CSVs [00:29:40] from your wife's phone every 30 days, which is the process that I'd fallen into with, with [00:29:44] lunch money, then you, you basically have copilot money. [00:29:50] And then there's another one, maybe Monarch, uh, the copilot money. [00:29:53] People are always talking about this other app called Monarch. [00:29:55] I haven't checked it out. [00:29:55] I don't know if that's why they like it or if it's just the other one that's being developed [00:29:59] right now in this post mint apocalypse, as we all grapple with the fact that mint was [00:30:04] always bad, uh, but people got into it and I don't copilot money is like nice, but like [00:30:11] it, like, for example, like if I'm, uh, if I buy a, uh, if I put $10, the equivalent of [00:30:19] $10, so 1000 yen on my Starbucks card in Japan, which is totally separate because of course it [00:30:25] is there's two Starbucks cards. [00:30:27] There's the one in Japan and then the one in the rest of the world. [00:30:30] So you open the Japanese only app, you put a thousand yen on it. [00:30:33] Uh, you pay for that with Apple pay. [00:30:36] So which goes to my Apple card and copilot money will read that transaction. [00:30:40] But if you read like the text in the merchant description, it's literally like [00:30:44] staba day and it's like all no spaces. [00:30:47] It's just like 40 characters in a row to, and if you really squint, you can kind of see [00:30:52] Starbucks, Japan, um, you know, app store payment, which is, you know, like I want to [00:31:00] change that to Starbucks, Japan, and then set up a rule to just like always change that. [00:31:05] So I don't have to like memorize these random ass merchant names. [00:31:08] Uh, apparently like after, after two hours of setting up copilot money yesterday, I realized [00:31:13] that there's like both no way to set up that kind of rule. [00:31:16] The only rule that it supports is categorization of, of spending fine, but then if you set [00:31:22] up a rule and you don't like it, there's no way to edit the rules cause there's no UI for [00:31:25] rule editing. [00:31:26] And so then, you know, where do you go, but read it and you're like, okay, well there's [00:31:30] a subreddit. [00:31:30] And then like, what's half the post in the subreddit? [00:31:32] It's about, Oh, of course it's a bunch of dads who are like, I can't see my rules and I have [00:31:36] to contact support. [00:31:37] And it's been nine months. [00:31:38] And I was like, Oh God. [00:31:39] So that's, uh, if anyone's got any great budgeting software that supports Apple card, you let me [00:31:46] know. [00:31:47] Uh, and also isn't a part-time job. [00:31:50] I'm not gonna, I'm not gonna spend all day on this. [00:31:52] I'm not, I'm not gonna, I'm gonna check in on this, uh, the four times a year that I, that [00:31:58] I wake up in a cold sweat wondering, Oh my God, how many subscriptions do I have? [00:32:02] Which is, uh, I, I really missed my calling by not being a dad, I guess. [00:32:07] But it did land me on looking at rocket money. [00:32:11] Uh, so, so, so there was an app called true bill that marketed heavily with like a lot of [00:32:19] other DTC apps where the pitch was, we will negotiate your bills for you. [00:32:26] And by bills, I think that one of the reasons why this, this, this business probably struggled [00:32:31] is that there's really only two that they could reasonably negotiate on your behalf. [00:32:37] You know, you, you imagine they've got a call center or they've got people who've, who [00:32:40] are trained, who have scripts that they follow, who, who will doggedly keep calling back until [00:32:44] they get what, you know, the discount, the, just the steps that you would have to go through [00:32:48] if you wanted to call Comcast or Verizon, they, they, they, they can basically could basically [00:32:57] only really negotiate your ISP and your cell phone carrier. [00:33:01] Cause those are the two sort of, you know, that are, that are transactional enough that [00:33:08] are regionalized or nationalized enough that they, that they could train on. [00:33:11] And then of course, like they, they're the ones that like get you in with a teaser rate and [00:33:15] then gradually turn up the heat over the course of a couple of years. [00:33:19] Well, Quicken Loans bought, they rebranded as rocket and then rocket fill in the blank [00:33:26] with other products. [00:33:26] And they bought true bill around the same time. [00:33:29] And I, my understanding from a distance is that true bill, uh, uh, that became rocket money [00:33:36] in order to be an entree into other rocket star services. [00:33:41] So like you, you now, when you install rocket money, it's still got the negotiation thing. [00:33:46] Cause that's what they market it on, but you have to slog through so much like, no, I'm actually [00:33:52] all set with credit and, and, and, and debt repayment services. [00:33:57] And I'm, I'm already all set with financial advisors and retirement goals. [00:34:00] I just get me to the, to the thing where I can pay you 35% of whatever you save me on [00:34:06] my ISP bill. [00:34:07] And so of course, you know, like I, I, I signed up for the first time, went through the app [00:34:12] onboarding. [00:34:13] I was not impressed with the bugginess of the app, but I was able to soldier on through [00:34:19] it. [00:34:19] And where I landed was I was, uh, following its little setup wizard for first. [00:34:27] Spectrum, which is my internet provider. [00:34:28] And I was, I'd initially paid a hundred dollars when I moved here in 2021, uh, a month for, [00:34:36] for one gig down, call it 30 megabits per second up. [00:34:40] And I can't get a, another ISP here. [00:34:43] They had an exclusive agreement. [00:34:44] They're building neighborhoods bullshit. [00:34:47] Uh, and I, I, so I can't get higher upstream and that really gets in my crawl. [00:34:53] Nevertheless, they have increased prices about $15 a year. [00:34:59] Each time I'm here to the point now where I think my monthly, you know, debit is like $150, [00:35:05] $145 and you fill it out and you give them your pin number. [00:35:11] You got this customer pin that like, you know, is secures your account. [00:35:14] I'm like, eh, all right, well, that's four digits, you know? [00:35:17] And besides I'm already on like this one dead simple plan. [00:35:20] It's just their normal plan. [00:35:22] And it's, you know, like I'm paying top dollar for it. [00:35:26] So what's the worst that they could do if they, if somebody else were to call and change [00:35:30] my plan up, you know, like it, it wouldn't cause that much lasting damage. [00:35:34] Cause it's not like I'm on some teaser rate. [00:35:36] It's not like I've got a great deal as it is. [00:35:38] So I let them do it. [00:35:39] And three days later, I had low expectations, right? [00:35:42] Cause you go on Reddit, speaking of Reddit, you go on and you, you search other people's [00:35:46] experiences and people will say, oh yeah, well like the, you know, I, some of them are [00:35:52] pretty hyperbolic. [00:35:53] It's like, you know, like they, they changed my plan to this and now I'm stuck with this, [00:35:57] you know, TV subscription for the next four years. [00:35:59] And then they charged me a thousand dollars in imagined savings that never materialized. [00:36:03] I'm like, shit. [00:36:04] All right. [00:36:04] Well, that's, that's not good. [00:36:06] But I, I gave them a shot. [00:36:08] They came back three days later and they said, congratulations. [00:36:12] We saved you $859. [00:36:14] I was like, what the, excuse me over the next 12 months. [00:36:18] And it turned out that they got me from $142, $145 down to 70 flat. [00:36:25] You multiply that by 12 and then indeed comes out to eight something. [00:36:28] And I was like, damn. [00:36:29] All right. [00:36:30] And so I've been, I've been looking for the other shoe to drop like ever since, like something [00:36:36] is fishy here. [00:36:37] Like I, they didn't sign me up for other services. [00:36:39] I did receive, I'm looking over at it now. [00:36:43] I did receive a relatively large box that has a, you know, one of those wifi modem router [00:36:50] combo units in it. [00:36:51] That was partly like apparently part of the deal. [00:36:54] I don't know if they canceled my service and then in one fell swoop also signed me up for [00:36:58] service. [00:36:58] But now I've got this gigantic fucking wifi thing that wouldn't even fit in my patch box [00:37:02] if I wanted it, which I don't. [00:37:04] So I'm, I'm, I'm currently in this ether of like, well, if my modem that I rent is still [00:37:11] going to work, I rent for $0. [00:37:14] It's one nice thing about spectrum. [00:37:15] If my modem that I rent is still going to work, uh, maybe I can just keep this wifi thing in [00:37:20] the box and not call anyone. [00:37:22] And maybe everything will keep working and I'll pay the $70 a month, or maybe I should send [00:37:27] the other one back, but then that might trigger some other thing. [00:37:30] Right. [00:37:30] I, so look like, do I recommend the service? [00:37:36] I don't really, I don't, we'll see. [00:37:38] Right. [00:37:39] Like call me in a year. [00:37:40] I should set a reminder. [00:37:41] Oh, I'm sure if something bad happens, I'll, I'll be right on the airwaves screaming about [00:37:47] it. [00:37:47] Like I, like I do, but even after this experience, saving me a lot of money, like what I trust [00:37:53] them with my T-Mobile account, right. [00:37:54] Where I have been grandfathered in on what was called the one choice plus plan in 2014 [00:38:01] or whatever. [00:38:02] And it's genuine, honest to God, unlimited data without any real throttling. [00:38:08] As far as I can tell, until you get to some absurdly high number where you can watch your [00:38:12] videos in HD on your, you know, like, like it's, it's, it's a good one. [00:38:16] It's better than their magenta crap. [00:38:18] Um, and a lower price than their magenta max thing. [00:38:21] Well, we got three lines. [00:38:22] You got, you know, the watches and I would love to pay less for that, but I just don't [00:38:27] try like you, you, you fill out the rocket money form, uh, with the, uh, the, the, it wants [00:38:34] your T-Mobile, like login information. [00:38:36] And that's, that was a bridge too far for me. [00:38:40] I got there and I was like, you know, I could just imagine this going poorly. [00:38:44] You know, these plans are so complicated and feels like even when I call T-Mobile and I [00:38:48] ask, Hey, how's the weather? [00:38:49] Like they click a button and it fucks up my shit for two weeks. [00:38:52] So I'm, I'm, I'm good. [00:38:55] I can probably afford a cell phone bill. [00:38:57] Uh, I just, I just would prefer not to have to pay it. [00:39:01] Only one other life item in the last week, I was given a special opportunity. [00:39:11] Um, I've talked about massages a couple of times on this program and the, uh, I mentioned, [00:39:15] uh, the one I went, uh, the one I had most recently in a previous episode, I, I, I was, I was wrapping [00:39:29] up my massage with a human like you do. [00:39:31] And the human said, have you, have you tried our robot massage? [00:39:36] And, uh, I didn't know how to take that. [00:39:38] And I said, I, I've heard of it. [00:39:41] I know Becky tried it. [00:39:43] If you check Becky's, um, Becky Graham, you'll see, uh, there's a video of her, uh, getting [00:39:48] felt up by a robot. [00:39:50] Uh, I forget the name of the company, but it's, it's, uh, it's like a robot that tries to simulate [00:39:59] the experience of a human massaging you. [00:40:02] So it's, uh, you're on a bed, you're face down. [00:40:06] It's, uh, got arms that kind of go back and forth, uh, on a track and they, they push and [00:40:13] whatnot. [00:40:13] And it kind of reminds me of the white birthing robot from star Wars episode three at the end [00:40:21] when, when Luke and Leah are being born, it does everything short of make the cooing [00:40:26] sounds to get the babies to calm down. [00:40:28] You know, like I, you do have a tablet and you can, you can pick out these pre-baked Spotify [00:40:34] playlists while it's pushing on you. [00:40:36] Anyway, all that to say, I signed up, um, mostly cause it was free. [00:40:41] So I had a 30 minute trial and, uh, the fact is trying to imitate humans was really interesting [00:40:49] to me because I had just spent a month in Japan, uh, getting, uh, what'd you call it? [00:40:54] Uh, massage chairs, our hotel chain that we stay at has always has massage chairs and even [00:41:01] bad massage chairs in Japan are pretty intense. [00:41:03] Uh, uh, but, but good ones are just like, you know, you go in there and it's just like, [00:41:09] I'm sure there's been, you've probably seen a horror movie image, right? [00:41:13] Where it's like, you sit in a chair and then like 25 hands grab all the parts of your body [00:41:18] simultaneously and that is meant to be horrific. [00:41:20] But if those hands, if there was some nice music playing and it was illuminated and those [00:41:25] hands were massaging you simultaneously all over your body, maybe it would be pretty, pretty [00:41:29] great. [00:41:29] And so that's what a Japanese massage chair is like. [00:41:33] Cause they, they don't have this arbitrary conceit that a massage must happen in a format [00:41:39] that resembles how it would happen if a single human on a bed surface was rubbing your tiddly [00:41:45] bits, which is what this robot is. [00:41:49] Right. [00:41:49] And so it's trying to think of another analog, right? [00:41:55] Like where we, we kind of retain the artifice of the way that it used to be before we automated [00:42:00] it. [00:42:00] And, and in some, sometimes we do that to keep people being comfortable like that rich [00:42:05] Corinthian leather. [00:42:06] It's like, we wanted to look like a traditional calendar. [00:42:08] So people know what they're looking at instead of just a bunch of boxes. [00:42:11] It's like, Oh yeah, this looks like a placemat style calendar that I would have had on my desk. [00:42:15] And then eventually that ages out. [00:42:16] And the younger people are like, I've never seen a calendar on a desk, even though my dad [00:42:20] grew up with one, you know? [00:42:24] So maybe that's it, right? [00:42:25] Like, like sometimes that's why we would have a robo massage that like, you know, pressures [00:42:31] and needs you, you know, kind of with just the two arms up and down in particular points, [00:42:35] sometimes at the same time, sometimes just one arm, you know, it's, it's, it's less efficient [00:42:41] is my immediate frustration. [00:42:43] Cause it's like, you could have 45 fucking arms going to town all over my body and I'd [00:42:49] get way more work done in 30 minutes. [00:42:52] Right. [00:42:52] Cause I'm just trying to min max my existence, but instead by, by, by, by imitating a human [00:42:59] massage, like nothing is really gained because I can't see it. [00:43:03] I'm facedown. [00:43:04] I'm looking at a silly tablet and watching imagery, imagery of forests and, and, and ocean waves [00:43:10] and whatnot, and I'm kind of getting a, you can look at a weird overhead view of what [00:43:14] your body is looking at, looking like right then, you know, like it scans your body and [00:43:19] then has like a little illustration of like, here's where I'm pushing you. [00:43:21] Here I go. [00:43:22] It's, it seems more to me like they designed this, you look at this unit and it's just like, [00:43:31] this has got to cost at least 15 grand. [00:43:34] This is an expensive, complicated piece of equipment. [00:43:38] It feels like a lack of imagination, uh, to, to somebody had the idea, let's take human [00:43:47] masseuses out of the equation and just make a robo masseuse thing that we could put in spas [00:43:53] when, uh, you'd actually have a better experience. [00:43:56] It would be cheaper. [00:43:57] And there's like more prior art at Panasonic or these other companies in Japan. [00:44:01] If you just made a, you know, massage chair, but that would be boring, I guess. [00:44:08] Uh, and massage chairs, like you, you hear the word massage chair right now as you're listening. [00:44:13] And if you haven't had like a real one, you know, at a Japanese Denki-yasan on the third [00:44:17] floor, where all the salary men on their way home tell their wives, oh, I got a, I got a big meeting [00:44:24] with the boss and then they go to, they go to Yamada Denki or they go to Yodabashi camera. [00:44:28] And then they just, you know, they take their briefcase and they set it down next to one of the [00:44:33] trial units of the massage chair. [00:44:34] And then they, they, they, they, they go into this little like sensory deprivation pod and [00:44:39] they get all their bits smushed simultaneously and they got a remote control and they can [00:44:45] say, just do it hard. [00:44:46] And then they can forget their worries for, for 15 minutes until, uh, one of the staff has [00:44:52] to remind them that, uh, they don't live there and that they have to go home now. [00:44:56] If you haven't had that experience, uh, you probably, when you hear a massage chair, think [00:45:02] of like those $2, you know, leather chairs that are, you know, just like our just normal [00:45:08] fucking chairs that may be vibrate, like the vibrating bed equivalent that you see at an [00:45:12] airport. [00:45:12] Um, this is not what I'm talking about. [00:45:15] So get your head out of there and, and go Google, you know, for high end Japanese massage [00:45:22] chair, and you might get some idea. [00:45:24] Uh, also I, uh, in the course of a 30 minute massage, I encountered so many fucking Android [00:45:32] tablet bugs. [00:45:33] I, I didn't, I gave them a lot of feedback cause they, this is sort of a trial that they're [00:45:37] doing. [00:45:37] They wanted to want to know how, what I thought. [00:45:40] And I gave them a lot of this perspective and feedback about like, well, you know, this [00:45:44] skeuomorphic design, yada, yada. [00:45:45] But I didn't even touch any of the software stuff. [00:45:49] Cause like there's an absolutely nothing that they're going to be able to do with that much [00:45:52] less like they won't even be able to communicate this back to the company in a way that's helpful, [00:45:55] but it was, you know, it would freeze or the display would become non-responsive. [00:46:01] One time I had the music just turn itself all the way up. [00:46:05] The, um, the, so many things about this design are meant to make you feel comfortable are [00:46:13] meant to make you feel safe. [00:46:14] Like if, if you, it moves at all, or if it detects anything is off at all, it basically [00:46:20] like will, will disengage entirely and reposition itself. [00:46:23] And then you have to actively resume the massage. [00:46:26] And then it's got to put the little flappy doos back over you. [00:46:30] Like it's really worried about people flipping out about this robot pressing up against them. [00:46:36] And it extends to, to like, you know, you pick your firmness, like light, medium firm. [00:46:41] And I clicked firm. [00:46:42] And then there, you could see there was like a little like pressure bar on the right. [00:46:47] And that even though I'd clicked the firm preset, I wasn't at a hundred percent pressure. [00:46:52] And I was like, well, that, that won't do. [00:46:54] And so I jacked it up to a hundred percent right out of the gate. [00:46:56] And the whole time, 30 minutes, like you could, uh, [00:46:59] Hmm. [00:47:01] It, I knew that a massage was happening. [00:47:05] Like I knew when contact was being made, but like, it was not a massage. [00:47:08] It was, it was somebody kind of like, like, like back rub would be generous. [00:47:14] It was like somebody like took an open palm hand and just pressed it. [00:47:18] Just, just, just an obnoxiously against different parts of my body and no firmness beyond that. [00:47:26] So you got a robo massage. [00:47:29] It's limited in what it can do. [00:47:33] Cause it's trying to imitate a human. [00:47:34] It's very worried about liability, which is why I imagine the max firmness is light pressure. [00:47:39] Uh, and it's fussy and it's buggy. [00:47:42] And of course it can only do very limited regions of the body. [00:47:45] Like if I was a massage therapist, I'd be like, Hey, sweet. [00:47:49] You know, I'm going to keep having a job longer than all these programmer juckle fucks. [00:47:52] You're going to get replaced by a Claude and open AI. [00:47:56] So I'm, I'm, I'm, I'm confident that a massage therapist is going to be a, a lucrative, you [00:48:03] know, going concern as a career for a little while programming. [00:48:08] I'm not so sure of, but most of us listening have already made our choice, whether we're [00:48:14] going to be massage therapists or programmers. [00:48:16] So we're just going to have to see how this, how this plays out. [00:48:19] All right. [00:48:20] Well, that's all, that's everything going on in my life. [00:48:23] So let's, uh, well, let's follow up on stuff that had been going on in my life and is now [00:48:30] continuing or is once again, I started to realize that there's a, there's a certain theme to this [00:48:37] show. [00:48:37] Hmm. [00:48:38] All right. [00:48:46] There's basically two major areas of follow-up today. [00:48:51] Um, but somehow the two of them take up 11 bullet points in my notes. [00:48:59] So I'll try to be expeditious. [00:49:02] The first is I bought a, uh, M4 pro MacBook pro, I guess an Apple nomenclature, a MacBook pro [00:49:13] left parentheses, 2024, right parentheses with M4 pro. [00:49:19] I think is probably maybe the 2024 is at the end. [00:49:22] Maybe they don't put the date now that they have the chip name. [00:49:25] In any case, I needed a computer that was built for Apple intelligence, which is how they also, [00:49:32] they crammed that in the fucking name. [00:49:34] Um, and like the, every subheader says Apple intelligence on it, which, you know, I mean, [00:49:40] if you're, if you're a marketing dude, it's the thing that, you know, like you gotta, every [00:49:48] year is a struggle to goose people into, to buying computers. [00:49:51] And, uh, it's been a while since they've had anything new to say that your computer can do. [00:49:56] So it makes sense, but come on. [00:49:59] It can't even make Genmoji yet. [00:50:02] Uh, just if you've, if you've downloaded it, used 18.2 iOS or iPadOS, uh, go turn on the, [00:50:13] um, you know, the AI feature, if it's available in your region and language, and then you open [00:50:19] the image playground app and you click through there and let it download all of the image [00:50:24] playground shit, uh, in particular, the image playground itself, where you can take a person [00:50:30] and a place and kind of like, you know, create sort of a, uh, a witch's brew of bad imagery [00:50:35] and then, and then have a keep swiping to the right as, as they just all look bad that I have [00:50:43] no, no need for, but Genmoji, or at least the promise of Genmoji, I like quite a lot. [00:50:49] I enjoy, you know, um, typing in little like name, like, so we were at the parks, uh, with [00:50:57] our friends last week and it was a Jollywood Knights event, which is also Gatsby themed. [00:51:06] There's a reason why ordering 1920s era costumes on Amazon in Orlando was like not an overnight. [00:51:13] It was like a two, three day leg because this, this Jollywood Knights 1920s era themed, uh, [00:51:21] ticketed event at Hollywood studios has been going on. And it was one of those nights. And so some [00:51:26] flapper lady in line, she had a purse that had a phone handle on it. And her husband, who now that [00:51:34] I think back on this was dressed very similarly to how I dressed myself last night. So something tells [00:51:39] me he was sort of a long for the ride in this, she picked up the phone handle off of her purse and [00:51:46] handed it to Becky. And then he, you could sort of see him on the phone being a bad ventriloquist [00:51:53] and talking to her on the phone. So like his cell phone was somehow communicating to the purse phone. [00:51:59] It was very, it reminded me of get smart, you know, like that spy TV show from the sixties that was on [00:52:05] Nick at night in the eighties or nineties when I would have watched it. Uh, of course it didn't [00:52:10] work. And then we were just in line and it was like, sorry, we're in line. It didn't work. And then, [00:52:14] and then of course the way that lines work, right. As you turn left, turn right. And now it's up, [00:52:18] here's the same people again. And so they're like, all right, try again. So she picks up the purse [00:52:23] phone and here's the guy talk. And she's like, yes, this is indeed a telephone. That is a purse. [00:52:28] My reaction, my contribution to this experience was to try to generate a Genmoji for the group [00:52:35] that I was with. That was like purse phone. And, uh, wouldn't you know it, uh, it struggled to like, [00:52:43] I was like purse with a phone handle on top. And it was, it gave me like one with like a, [00:52:49] like a locker combination lock instead of a rotary dial in the middle. It was all, it was not, [00:52:54] not good. And, and I think like a lot of these Genmoji, in addition to being bad and not good, [00:53:01] they are when they, there's, they have to be so detailed because usually it's people mashing up [00:53:07] different concepts. They have to be so detailed that when in line with texts, you have to squint [00:53:12] and you can barely see what they are. And then if they're as a tap back, you have no hope of knowing [00:53:16] what they are. Like if it's of a person, for example, like it's, you're going to get like 80% shirt [00:53:21] and then like 10% head. So you're not going to be able to tell who's what. Uh, so those need work [00:53:27] and no one wants my Genmoji. My, my brother has formally requested. I stopped sending them and, [00:53:32] uh, I will, I will take that request under advisement. Anyway, uh, bought a MacBook pro. Um, [00:53:42] Oh, I've got a, I've got a parenthetical as a C notes. All right, well, here's eight more bullet [00:53:50] points. I'm going to rattle through these. So Becky, actually, it was her idea. She wanted to [00:53:54] get me this. We were in Japan. She's like, Hey, you know, I heard you talking about the nanotexture [00:53:57] display. And like, of course, you know, the, the, the brighter screen and us being in Orlando, [00:54:01] you never use a computer outside or out of the house. So she wanted to buy it. And she said, [00:54:06] it was just really complicated. I didn't want to fuck up. I didn't want to get you the wrong set of [00:54:09] options. I asked Aaron and Aaron didn't know either. He said he hadn't really been on top of it. [00:54:16] Uh, and I was like, honey, that's so I didn't say like, bless your heart. I, it was a such a sweet [00:54:23] gesture. And it is true that I've been curious about it. Um, but I didn't feel like, uh, I had [00:54:30] to get one right this minute. Uh, and, and honestly, the, the, the 14 inch MacBook pro is still too heavy. [00:54:36] I, I, I, I lifted tonal my, my weightlifting robot, uh, reported in my tonal wrapped because [00:54:46] everything has to do a goddamn wrapped dingus to try to share in social media as if like, you know, [00:54:52] one assumes that all these wrapped posts just go to the goddamn bottom of every algorithm because [00:54:57] they're all the same. But in any case, it showed me a little wrapped video and it said, I wait, [00:55:02] I, I lifted one and a half million pounds last year or over the course of 2024. And I was like, [00:55:07] that's a lot of weight that I lifted. I, yesterday I did the equivalent of like, you know, 250, [00:55:12] 275 pound deadlift barbell deadlift. And that was hard, but not too hard. It's the max weight that, [00:55:20] that tonal can do. Um, I, I, I, I like to think I'm pretty strong now. Uh, that four pound fucking [00:55:31] MacBook pro is backbreakingly heavy, no matter where I am, I'll pick it up and like, that is denser than [00:55:40] it looks. It's a, it's like when you pick up a baby, that's like a little bit too dense, you know, [00:55:46] and you're just like, Oh wow. I was expecting this to be more fun. This is just going to give [00:55:51] me pelvic floor problems. If I do this for more than exactly 30 seconds and then hand it back to [00:55:57] its mother who surely has pelvic floor issues. Um, I don't want to be carrying around this MacBook pro. [00:56:05] I don't want to carry it with my arms. I don't want to carry it in a bag. I don't want to carry it [00:56:09] into the car. I don't want to carry it, you know, uh, in a Starbucks. I want to hire a Porter to [00:56:16] bring it around to me, you know, from place to place. Maybe, maybe they could also saddle up and [00:56:23] have a, uh, vision pro. So that's what I really want. Uh, at least until, and unless Apple releases [00:56:30] the 12 inch MacBook pro, uh, that we were promised in our early years. [00:56:34] Anyway, when Becky said that it was hard to configure and figure out what she'd want to order [00:56:43] or what I would want her to order. And as a result would have made a pretty lousy gift because [00:56:49] the likelihood of her getting it right. Where if you look at the number of configurations for these [00:56:53] seeing this thing, like astronomically small, I actually spent, I sat down, I look, I, I said, [00:57:01] I didn't need the thing. And then I come home and then within a day and a half, uh, my MacBook air is [00:57:07] crying because it's out of storage to the point where like I composed an email and I hit send on the email [00:57:12] and then Apple mail reported, yo, we just barfed on all this and just deleted all your shit. Cause we [00:57:17] ran out of disk space, no warning. And in modern day Mac OS, you don't get to know how much disk space [00:57:23] you have because all of it is like optimized storage. So like whether it's your iCloud drive [00:57:29] or it's your Apple photos, once the system is under any sort of, um, storage stress, it'll, [00:57:35] it's supposed to detect that and start deleting shit. Your phone does this too. So sometimes like [00:57:41] you're like, like I was importing a bunch of raw images on the phone and it said, Oh, you're out of [00:57:45] storage. And then I knew, because I know how it works under the hood, even though it exposes zero [00:57:49] controls or visibility as to what is going the fuck on. I knew that when it ran out of storage, [00:57:54] the right solution was sit and wait for 30 seconds while it deletes shit in the background and then [00:57:59] just hit import again. Right. Well, I, that didn't work in this case. Like I actually went and deleted [00:58:05] like a hundred gigabytes of garbage. It's a small SSD. It's a 512 gigabyte MacBook air. I deleted all this [00:58:11] stuff, but, um, from my iCloud drive on another computer, because this one was finder was completely [00:58:17] unresponsive. Uh, and it never got better because it had suspended all iCloud drive syncing as a, [00:58:24] probably like some sort of like memory safeguard or storage safeguard to like make sure I didn't, [00:58:27] it didn't fuck up anything in the cloud. And so like even going, I'm not going to, [00:58:33] most of that storage was in my iCloud drive, which is how it got full while I was overseas. [00:58:38] And when I came back, I, I didn't have like, I could, I could have gone through and like run [00:58:47] RM dash RF from the terminal and deleted stuff from the iCloud drive to like as a, as an emergency break, [00:58:52] like get, get this SSD empty enough that the operating system can run and then figure it out. [00:59:00] But then of course it would have synced all of those deletions up to the cloud and deleted the [00:59:03] same things off of my other computers. So this is a tractable problem. And I, I, I ultimately did solve [00:59:10] it, but I, I realize now why Apple markets so much of its pro devices to photos and video people, [00:59:20] because photos and videos take up a shit ton of space. Uh, they have different performance [00:59:26] characteristics than programming and, and the, their needs in many ways are higher than what you need. [00:59:33] If you're just writing Ruby code, right? Uh, it just so happens that Swift, the programming language [00:59:38] that they wrote is also like, we'll, we'll take advantage of all of these cores during compilation [00:59:42] in a way that like a lot of local development in other languages won't. [00:59:45] But in my last year of doing a lot more video work, doing a lot more audio work, I can definitely [00:59:52] understand now like, Oh yeah, like the, the MacBook air actually is inappropriate for a lot of the [00:59:57] workflows of the things that I do. So that experience, I came to Becky and I was like, look, I know I said [01:00:05] I didn't need this, but I think I might need this. Um, where need is in very, you know, very gentle [01:00:12] text. It's, it's a thin font variant to say, I need this. What I mean to say is like, I, it would save [01:00:19] me a lot of time and stress and headache and, uh, uh, rework to have a better computer, a more [01:00:26] capacious computer. And of course you can't upgrade the storage and your existing max. So here we are. [01:00:32] Um, but anyway, I was in the configurator for the new MacBook pro. And the first decision you got to [01:00:36] make is do I want a regular M4 chip, which I did not, or one of the pro ones, which is a, you know, [01:00:43] 12 or 14 core. I want to say a chip, uh, which is a huge upgrade over the M3 pro the M3 pro had a way [01:00:53] more efficiency cores and the M4 pro has more performance score. So it's like a, it's doing [01:00:57] much better in synthetic benchmarking that that's impressive. It's a big year over year change or the [01:01:02] M4 max, which is, you know, uh, an incremental improvement over the M3 max, but to the extent [01:01:10] that it's better than the pro it's like, you know, got another meat and quote unquote media [01:01:14] e

If you're like most people, you've probably noticed how little traditional banking actually benefits you in the long run. Appearances aside, banks don't operate with your best interests at heart. They make choices to maximize their own growth—often at your expense. While banks encourage you to save and play it safe, they take your money and invest it to generate massive returns for themselves. Why would they tell you to do the opposite of what they do? Have you ever asked yourself why banks push us into strategies that benefit them but not us? What if there were a way to reclaim control and finally make money work in your favor? This is where the Infinite Banking Concept comes in. Instead of being caught in the cycle of dependence on banks that don't serve you, Infinite Banking enables you to become your own bank, using a strategy that allows you to grow your wealth while keeping full control. In this clip, investor and host of The Mr. Burr Show Podcast joins me to talk about how Infinite Banking can completely shift your financial future and what it means to be your own bank and build wealth on your own terms.   Things You'll Learn In This Episode -Work on yourself to become more valuable Investing in personal growth expands our knowledge and increases our value. Why is personal development the ultimate business advantage?  -Misconceptions about inflation Inflation isn't just about rising prices; it's also influenced by the decreasing purchasing power of money. What else are people mistaken about when it comes to inflation and what it truly means? -What banks don't want you to know Banks benefit from Bank-Owned Life Insurance (BOLI) by gaining tax-advantaged income and offsetting employee benefits costs, though it's a lesser-known strategy. Why is this so?  Guest Bio Devin Burr began his career in mortgage refinancing in 2005 and later worked at Quicken Loans before leaving his corporate job in October 2019 to pursue real estate investing full-time. By March 2020, he had completed seven deals, all through strategic networking. When the pandemic hit, Devin discovered the concept of Infinite Banking on a podcast and was inspired by its potential to fund real estate deals. Intrigued, he dove deeper into Infinite Banking, and by December 2020, he began sharing his insights on TikTok, quickly building a following. Devin's journey took a dramatic turn from 2016, when he faced bankruptcy with only $300 to his name. By mastering Infinite Banking and combining it with real estate investment, he reached millionaire status by the end of 2020 and became a multimillionaire by 2021. Today, he dedicates himself to teaching others the transformative power of “becoming your own bank,” empowering people to reclaim control over their finances and build wealth Visit https://go.mrbrrrr.com/  Follow Devin on Instagram @mr_brrrr Subscribe to Devin's YouTube Channel @Mr_brrrr Follow Devin on TikTok @mr_brrrr   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is currently founder of The Money School™, and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans delivering the financial knowledge that fuels lasting freedom.

Chris Smith, originally from Lakeland, Florida, is an accomplished entrepreneur and thought leader known for his innovative approach to business and technology. Raised in modest circumstances, Chris's early experiences in trailer parks and his parents' police work fueled his drive to succeed. He earned a sociology degree from Florida State University before moving to Los Angeles to pursue acting. ⁣ Despite initial acting roles in shows like "Scrubs" and "Buffy," Chris shifted focus to entrepreneurial ventures, including a Korean karaoke business and sales roles with controversial figures like Lou Pearlman. Transitioning from these challenges, Chris found success in mortgage sales at Quicken Loans and later in real estate technology. ⁣ As the founder of Curator, a rapidly growing marketing firm for realtors, he has authored best-selling books such as The Conversion Code and Exactly What to Say for Real Estate Agents. Chris is now at the forefront of AI-driven solutions with his concept A-I-R-E (Artificial Intelligence Real Estate), aiming to revolutionize coaching and consulting. 

Welcome to a special episode of "Understanding the Science of You," where the tables are turned, and our host becomes the guest. This week, Graham Skidmore delves deep into his journey with the help of his good friend, Todd "Mad Dog" Matskin-Bridger. In a candid conversation, Graham reflects on his transformation from a corporate executive to a more self-aware, compassionate individual. Join us as Todd navigates through Graham's past, uncovering stories of resilience, personal growth, and the challenges of maintaining authenticity in a high-stakes corporate world. From humorous anecdotes to heartfelt moments, this episode is a rollercoaster of emotions, shedding light on the complexities of leadership, friendship, and self-discovery. Don't miss this unique and unfiltered discussion that promises to inspire and entertain, offering valuable insights into the journey of becoming one's true self. ABOUT TODD MATZKIN-BRIDGER Todd Matzkin-Bridger is a Credit Improvement Product Owner with GreenPath Financial Wellness. His professional journey began at Quicken Loans in 2000 as a mortgage banker, where he met Graham Skidmore. He worked at QL/Rocket Mortgage until 2024.

A mayor in handcuffs, a bankrupt city mired in poverty, unemployment, and soaring crime: 10 years ago that was Detroit's legacy. Today, it is a real estate success story.  Early investors—to quote one of Motown's most famous songs—are dancing in the street. Developers are pouring billions of dollars into its business district, luring the likes of Ford, Quicken Loans, Blue Cross Blue Shield, and more to take up office space. There's even a Gucci store—the city's first. The spillover has resulted in booming residential home prices—up 40% since 2020—and revitalized neighborhoo Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Cheryl Sutherland openly discussed her journey, touching on themes of vulnerability, grief, self-discovery, and the importance of social connections. She highlighted the significance of embracing diverse perspectives and the transformative power of self-love. Cheryl stressed the importance of acknowledging emotions and seeking support when necessary. Throughout the interview, Cheryl's authenticity and profound will inspire you to embrace vulnerability and prioritize self-care. She encourages you to explore different facets of yourselves, create nurturing environments for growth, and embark on paths toward self-discovery and empowerment. We discussed: Discussion on Highly Sensitive Person (HSP) Cheryl's Vulnerability Journey Impact of Grief and Loss Importance of Vulnerability in Black Women Embracing Vulnerability and Healing Perception and Openness to Different Perspectives Cheryl's Healing Journey and Self-Investment Cheryl Sutherland is a Mindfulness Speaker and Founder of PleaseNotes, a for-purpose company of affirmation-filled products that inspire women to step into their own power by building confidence, clarity, and creativity.  Cheryl has been able to work with different companies to spread the message of mindset growth and human potential. Some include Wonder Women Tech, WeWork, Quicken Loans, Freshbooks, CPA Canada, the Durham District School Board and more.  As a women's empowerment expert, author, and entrepreneur, Cheryl Sutherland and PleaseNotes have been featured in InStyle, Huffington Post, Forbes, Fast Company, American Express OPEN Forum, Thrive Global, Brit + CO, Travel Noire, Good Morning LA, BlogTO and more. Stay connected with Cheryl online: Website Instagram Facebook Stay connected with us online: MakiniSmith.com Legacy Leavers Media Facebook Instagram Threads Youtube LinkedIn Books Send feedback/questions to info@awalkinmystilettos.com Submit guest suggestions HERE Make a donation to keep the show going!   Podcast music produced by: defnottyrell This episode is brought to you by Herbal Face Food. Since early 2022, Makini has taken her skin back with this natural skincare routine. It's: Vegan Cruelty free Synthetic Fragrance free Paraben free Organic/Wildcrafted Handmade GMP free Ethically Sourced It heals melasma, psoriasis, acne scars, treats deep wrinkles and has cleared up the eczema on Makini's face. Use promo code "Makini20" or "Makini30" for 30% off ALL PLANT facial products.

On this episode, I am joined by Cheryl Sutherland. Cheryl is a Mindfulness Speaker and Founder of PleaseNotes, a for-purpose company of affirmation-filled products that inspire women to step into their power by building confidence, clarity, and creativity. Cheryl has been able to work with different companies to spread the message of mindset growth and human potential. Some include Wonder Women Tech, WeWork, Quicken Loans, Freshbooks, CPA Canada, the Durham District School Board, and more. As a women's empowerment expert, author, and entrepreneur, Cheryl Sutherland and PleaseNotes have been featured in InStyle, Huffington Post, Forbes, Fast Company, American Express OPEN Forum, Thrive Global, Brit + CO, Travel Noire, Good Morning LA, BlogTO and on podcasts such as The Creative Empire, I Love Success, No Philter with Phil Pallen, and more. Cheryl has generously given us a coupon code to use:https://pleasenotes.com/discount/FilledUpPleaseNotes - Affirmation-Filled Goods - Best Guided Journals 2023Cheryl S. | Affirmation Goods (@pleasenotesgoods) • Instagram photos and videosCheryl SutherlandPleaseNotes Goods (PleaseNotesGoods) | Official Pinterest accountAshley (@filledupcup_) • Instagram photos and videosFilled Up Cup - Unconventional Self Care for Modern Women

The digital revolution continues to transform industries in today's fast-paced world where the narratives of individuals who have navigated the tumultuous waters of entrepreneurship emerge victorious are both inspiring and instructive. With a marketplace increasingly dominated by tech-driven innovations and the rise of the gig economy, understanding the DNA of disruptive ventures has never been more critical. Amidst this backdrop, the story of how ordinary individuals undertake extraordinary journeys to redefine markets and consumer experiences stands out. Such narratives not only fuel the entrepreneurial spirit but also offer valuable insights into the mechanics of innovation and success in the digital age.This installment of DisruptED by Ron Stefanski delves into the heart of entrepreneurial disruption, featuring a conversation with Chris Kaufman, a serial entrepreneur whose journey from a design student to the co-founder of ArtClvb and StockX, a platform with a current market cap of $3.8 billion, encapsulates the essence of turning visionary ideas into reality. Alongside guest host Ashley Williams, CEO of Rizzarr, this episode explores Kaufman's unique perspective on creating impact and the critical elements that contribute to the success of a venture.Highlights of the conversation include:Kaufman's foundational years, including his pivotal interaction with Dan Gilbert, the CEO and Founder of Quicken Loans and the Rocket Family of Companies and the inception of StockX.The importance of solving genuine problems and authentically engaging with the community one aims to serve.Kaufman's insights on the iterative process of design and product development, and its significance in crafting user-centric solutions.About Chris Kaufman: In this evolving narrative of entrepreneurship within the context of the digital revolution, Chris Kaufman's story serves as a powerful testament to the impact of embracing change, pursuing passion with purpose, and the importance of building connections that transcend traditional business boundaries. With a rich background in design and customer experience, Kaufman's academic journey at Eastern Michigan laid the groundwork for his ventures. His entrepreneurial spirit, fueled by mentorship from Dan Gilbert, led to the co-creation of StockX, a revolutionary platform in the secondary market for sneakers. Kaufman's dedication to innovation and his ability to navigate the complexities of starting and scaling a business make his story a beacon for aspiring entrepreneurs.

I'm not going to lie, I have been looking forward to this episode ever since I started podcasting. While this guest may have not known he was going to be on my podcast, I did. I wrote his name down as a guest I wanted to have back as I was just getting started.I've been following him since 2020, and the fact that he's here in studio today with me, I'm just blessed for this opportunity. There's few people that are like him out there. In today's world, it's tough to find people who are, who they truly say they are, especially when you are doing as much as my guest today.I've listened to a lot of his podcast episodes, read multiple of his books, and consumed almost every piece of content I think I could have including listening to his interview this morning, from a few years ago with Ed Mylett, in preparation to make this episode the best it possibly could be. My guest today is Ben Newman. While he doesn't need much of an introduction, Ben is the #1 Continual Peak Performance Coach, Top 50 speaker, and 2x Wall Street Journal Best-Selling Author. He's the host of The Burn Podcast, and works with Fortune 500 companies, professional athletes from all the major sports, and directly with teams like Alabama Football & Kansas State Football. Ben's Bio:MEET BEN NEWMAN. You may have seen him running up the sidelines as a Mental Performance Coach for your favorite sports team or recognize him for his bestselling books, The STANDARD and UNCOMMON Leadership.He's an Entrepreneur, Investor, 2x Wall Street Journal Bestselling Author,  Philanthropist, AND THE NATION'S TOP CONTINUAL PEAK PERFORMANCE COACH.Performance and Mental Conditioning Coach for some of today's greatest professional athletes and highest performing teams in the NFL, NBA, PGA, MLB, UFC and NCAA. Ben has worked with coaches and players from the last 6 Super Bowl Champion teams and currently serves as the Performance Coach for the Big 12 Champion Kansas State football team in his 9th season (3 National Championships at North Dakota State) with Head Coach Chris Klieman. Ben served 5 years as the Mental Conditioning Coach for the 18x National Champion Alabama Crimson Tide football team. Lastly, Ben also has served at his alma mater as a Performance Coach for Michigan State University's football and basketball programs.Ben's clients have included: Microsoft, United States Army, Anheuser-Busch InBev, Quicken Loans, MARS Snackfoods, AstraZeneca, Northwestern Mutual, AFA Singapore, Mass Financial Group, Frontier Companies, Wells Fargo Advisors, Great West Life Canada, Boston Medical Center, Boys & Girls Club of America, New York Life as well as thousands of executives, entrepreneurs, athletes and sales teams from around the globe.Ben's authentic, powerful, and engaging storytelling has become internationally recognized and has been a featured speaker at the world's biggest business, sports, finance and motivational events. He has shared the stage with Jerry Rice, Ray Lewis, Colin Powell, Ed Mylett, Jackie Joyner-Kersee, Jon Gordon, Tim Grover, Eric Thomas, Tony Dungy, Brian Tracy, Jenna Kutcher and other legends in the world. Ben was selected by USA Today as one of the TOP 5 Mindset & Performance Coaches in the World, Influencive.com selected him as one of the TOP 10 Motivators in Sports and Real Leaders Magazine selected him as one of the TOP 50 Speakers in the World the last four years.Connect with Ben:Website: https://bennewman.net/ Facebook: https://www.facebook.com/benjaminanewman Instagram: https://www.instagram.com/continuedfight/ Podcast: https://podcasts.apple.com/us/podcast/the-burn-podcast-by-ben-newman/id1287224646 St. Louis Summit: https://bennewman.net/st-louis-summit-2024/  

In this episode of Product Side Stories, host Rina Alexin interviews Dawn Figueroa, a seasoned product leader, about working smarter, not harder in product management. Dawn shares her journey into product management, highlighting her experiences at Southwest Airlines and Quicken Loans. She discusses a product failures and the lessons learned in her illustrious career. The conversation delves into the challenges product leaders face in getting products to market successfully, including navigating conversations with other departments and leadership, particularly sales and the C-suite. Dawn emphasizes the importance of building trust and relationships with sales teams and senior leaders to effectively collaborate and align on goals. Continue the discussion with Dawn on LinkedIn! https://www.linkedin.com/in/dawnfigueroa

In this episode, I speak with Dave about his journey to becoming the first podcaster in the field of psychology and his prolific career publishing over a 1,000 interviews. Dave explained that he had learned about podcasting very early on and it fit with his interest in radio, which, as a teenager, he got involved with amateur radio, had taken the FCC exams, and built his own components. This lead him to go to college to study electrical engineering, but he quickly learned that his high school had not prepared him for an engineering major. He said he took a Psychology 101 course, but it was completely focused on behaviorism, which turned him off to the field, and instead got a degree in creative writing. At the end of college, he explained that a friend told him he was studying to become a Rogerian psychologist, which sounded interesting, and Dave had always enjoyed helping people with their problems, so he took an abnormal Psychology class, and then went to graduate school for a doctorate in psychology. Dave discussed how his graduate school was focused on psychoanalytic theory, which he didn't find to be a good fit for him, so he gravitated more towards Humanistic Psychology. He discussed running encounter groups and we discussed the Human Potential Movement in the 60s and how he and others were seeking alternative perspectives. He explained that he had published articles in the Human Behavior journal and after learning about podcasting, thought that interviewing his fellow professors at Sonoma. State University where he met, which was Humanistically focused, would be a great way to begin his program Shrink Rap Radio and Wise Counsel. We discussed that during the 80s, when personal computers were becoming more popular, he became interested in the tech and business world, and began doing market research focus groups, and used online focus groups in the early days of the internet. He continued this work while he taught, had a psychotherapy practice and all of these skills assisted him in his podcast interviews. He explained that he challenged himself to be open to a wide variety of perspective, interviewing a broad range of clinicians and non-clinicians. Dave lastly discussed his interest in Positive Psychology and how he saw it as an outgrowth of Humanistic psychotherapy, and how Positive Psychology's coaching aspects have been adopted in the business world. David Van Nuys, Ph.D. is past-chair and professor emeritus in Psychology at Sonoma State University, a department with an international reputation for humanistic, existential, and transpersonal psychology. He also taught at the University of Montana, the University of Michigan, and the University of New Hampshire. In addition, David runs a market research business, e-FocusGroups, which has served a distinguished list of clients, including The New York Times, Apple Computer, IBM, Hewlett Packard, and QuickenLoans, among others. He leads personal growth workshops at various growth centers around the U.S. and abroad. David earned his doctorate in clinical psychology from the University of Michigan and has worked as a licensed psychotherapist in both New Hampshire and California. A frequent public speaker, he has also published in professional journals, popular magazines, and co-authored a book on the infamous Zodiac serial killer. He also produces two popular podcasts: Shrink Rap Radio and Wise Counsel. David is a longtime dreamworker himself and a past IASD presenter and for many years taught a course on Myth, Dream, and Symbol at Sonoma State University. In 2018, he received an award from the American Psychological Association for his pioneering podcast, Shrink Rap Radio. The award was presented at Harvard University by the APA president before a crowd of several hundred educational podcasters. Since 2005, he has conducted around one thousand interviews with movers and shakers around the broad world of psychology (including dreamworkers , dream researchers, and Jungian analysts).

Join us for an inspiring discussion with Rami Abbas, a mortgage industry expert who broke $200,000 in revenue in just one month!Rami shares his journey from working with major companies like Quicken Loans to becoming an independent broker under the West Capital branch model. Rami also gives us the secrets behind his success and shares some of the specific sales strategies that got him to where he is now. Don't miss out on learning from Rami's journey and using his advice to take your own career to new heights!Support the show

Steve works with companies that want to avoid the trap of technical debt by helping their teams deliver quality software quickly. Steve and his team at NimblePros have been described by clients as a “force multiplier,” amplifying the value of existing development teams. Steve's client list includes Microsoft, Quicken Loans, Celina Insurance, and many other satisfied customers. He also offers career coaching to developers through DevBetter.com. Steve has been recognized as a Microsoft MVP for over 20 years.   Topics of Discussion: [4:24] Steve's path into development. [5:14] How writing testable software became a passion of Steve's. [7:09] Which parts of the .NET release stood out the most to Steve? [7:41] .NET Aspire. [12:26] Making local development easier. [14:05] Steve believes developers should be capable and comfortable writing unit tests for their software and writing unit-testable code. [15:27] Dependency inversion principle. [16:40] Thinking of interfaces as describing the “what” and implementations as describing the “how.” [17:57] A few other items that Steve is also excited about in C# 12. [20:58] Class level parameters in C#. [25:59] Managing dependencies in distributed systems. [28:47] The PACELC Principle. [31:08] The trade-offs of using microservices, including the potential for inconsistent data and the need for coordination between services. [36:34] AI's impact on developer productivity. [41:46] The importance of understanding AI's limitations.   Mentioned in this Episode: Clear Measure Way Architect Forum Software Engineer Forum Programming with Palermo — New Video Podcast! Email us at programming@palermo.net. Clear Measure, Inc. (Sponsor) .NET DevOps for Azure: A Developer's Guide to DevOps Architecture the Right Way, by Jeffrey Palermo — Available on Amazon! Jeffrey Palermo's Twitter — Follow to stay informed about future events! Clean Architecture .NET Conf 2023 Steve Smith: Domain Driven Design Steve Smith Twitter Dependency Injection Pluralsight course on SOLID Pacelc Principle   Want to Learn More? Visit AzureDevOps.Show for show notes and additional episodes.

Devin was in the mortgage industry from 2005-2019. Devin left his corporate job at Quicken Loans in October 2019. From there he became a full-time real estate investor. Through March of 2020 Devin did 8 real estate deals with zero marketing dollars. Then when covid hit he heard a podcast with Chris Naugle talking about becoming the bank by using infinite banking and Devin became obsessed with learning how. Devin started to use the concept that Chris was teaching back in May of 2020 and used it with all of his real estate deals to multiply money. He then got on tiktok in December of 2020 and started sharing what he has learned. Within one month he had about 150k followers asking Devin how they can start using infinite banking. Devin teamed up with Chris Naugle in March of 2021. Since then has grown to over 1 million followers across tiktok and Instagram. Devin used his following and influence to teach people the truths about money and how they too can become their own bank.    In this episode, Brad and Devin discuss Devin's past within the real estate and mortgage industries and his change of career path when he decided to help others finance their own lives though life insurance policies. They also discuss the most important steps for finance.   Check out more about Devin https://TheMoneyMultiplier.com  Watch the full video episode on Brad's Rumble here: https://rumble.com/c/c-2544182  Watch the full video episode on Brad's Youtube Here: https://bradlea.tv 

Join us for a riveting conversation with renowned performance coach, dynamic speaker, and best-selling author Ben Newman. In this episode, we explore the transformative power of personal development and discover the keys to unlocking your true potential.Through captivating stories and practical insights, Ben shares his proven strategies for mastering mindset, achieving peak performance, and embracing change. Whether you're an athlete, a business leader, or someone seeking personal growth, this episode offers a roadmap to overcome obstacles and reach new heights.Ben Newman is a highly regarded Performance Coach, International Speaker, and Best-Selling Author whose clients include Fortune 500 companies around the world, business executives, sales organizations, and professional athletes in the NFL, PGA, NBA, MLB, UFC, and NCAA.Newman is the #1 Wall Street Journal and USA Today Bestselling author of UNCOMMON Leadership.Ben serves as a Mental Conditioning Coach for the 18-time National Champion Alabama Crimson Tide football team and has worked with players from the last 4 Super Bowl Champion teams. He was recently selected by Influencive.com as one of the TOP 10 Motivators in Sports and Real Leaders Magazine selected him as one of their 2019, 2020, and 2022 TOP 50 Speakers in the World.Through the adversities of covid19, Ben's BNC Speakers and Coaching groups have had a tremendous impact on organizations finding alternative ways to drive growth.Newman's clients have included: Microsoft, United States Army, Anheuser-Busch InBev, Quicken Loans, Miami Dolphins, MARS Snackfoods, Kansas State Football, St. Louis Cardinals, North Dakota State Bison Football, Northwestern Mutual, AFA Singapore, Mass Financial Group, Wells Fargo Advisors, Great West Life Canada, Boston Medical Center, Boys & Girls Club of America, St. Croix, Missouri Tigers Basketball, New York Life, The University of Iowa and The Minnesota Vikings…as well as thousands of executives, entrepreneurs, athletes, and sales teams from around the globe.Ben's authentic, powerful, and engaging storytelling has become internationally recognized, and he has shared the stage with Jerry Rice, Ray Lewis, Tony Dungy, Colin Powell, Brian Tracy, Ken Blanchard, Jon Gordon, Dr. Jason Selk, Floyd Little, Aeneas Williams, Walt Jocketty and other leaders and legends in the world.Ben lives in his hometown of St. Louis, Missouri with the true measure of his success, his wife, Ami, and their children, J. Isaac and Kennedy Rose.Connect with Ben:Instagram: https://www.instagram.com/ContinuedFightWebsite: www.bennewman.netWelcome to Invest The Difference, where we delve into strategies for expanding and amplifying your business through strategic investments in those who make a significant impact. With great anticipation, we present an installment from our esteemed "best-of" collection, where we revisit conversations brimming with popularity and profound insights from our archives. These discussions remain as pertinent today as they were when we initially captured them.Whether you're a fresh addition to our podcast or a devoted follower, we extend our sincerest hopes that you find immense pleasure in this exceptional "best-of" episode. Without further delay, let us embark on this enriching journey.Connect with Bernadette: https://www.instagram.com/the.band.tee.ceo/Connect with Claudio: https://www.instagram.com/claudgambin/Invest The Difference is sponsored by GFG Solutions: https://gfgsolutions.com/GFG Solutions is dedicated to providing peace of mind, clarity, and happiness to business owners and managers. We offer comprehensive financial services, including tax preparation, bookkeeping, payroll, and more, to help businesses meet their financial responsibilities. Additionally, our consulting services help businesses align their decisions with their financial goals for optimal success.

In today's RealTrending, Jason Mitchell, CEO of Jason Mitchell Group in Scottsdale, Arizona shares the success secrets behind his non-traditional real estate brokerage model. Mitchell's company is built around servicing organizations through partnerships with lenders such as Zillow, Rocket Homes, Quicken Loans and Bank of America. Knowing that these companies are expecting top-notch service from his agents, Mitchell developed a unique model and training program to do just that.Related to this episode:Connect with Jason on LinkedInJason Mitchell GroupHousingWire's YouTube ChannelEnjoy the episode!Gathering of Eagles will bring together the nation's top residential real estate CEOs, Presidents, and C-Level leadership teams to grow, network, and set the pace for what's next in our industry. 2023's Gathering of Eagles is at Omni Barton Creek Resort in the rolling hill country of Austin, Texas from June 18-21. Click here to learn more and register your spot!The RealTrending podcast features the brightest minds in real estate. Every week, brokerage leaders, top agents, team leaders, and industry experts share their success secrets, trends, and lessons learned navigating this ever-changing industry. Hosted by Tracey Velt and produced by Elissa Branch.

In today's RealTrending, Jason Mitchell, CEO of Jason Mitchell Group in Scottsdale, Arizona shares the success secrets behind his non-traditional real estate brokerage model. Mitchell's company is built around servicing organizations through partnerships with lenders such as Zillow, Rocket Homes, Quicken Loans and Bank of America. Knowing that these companies are expecting top-notch service from his agents, Mitchell developed a unique model and training program to do just that.Related to this episode:Connect with Jason on LinkedInJason Mitchell GroupHousingWire's YouTube ChannelEnjoy the episode!Gathering of Eagles will bring together the nation's top residential real estate CEOs, Presidents, and C-Level leadership teams to grow, network, and set the pace for what's next in our industry. 2023's Gathering of Eagles is at Omni Barton Creek Resort in the rolling hill country of Austin, Texas from June 18-21. Click here to learn more and register your spot!The RealTrending podcast features the brightest minds in real estate. Every week, brokerage leaders, top agents, team leaders, and industry experts share their success secrets, trends, and lessons learned navigating this ever-changing industry. Hosted by Tracey Velt and produced by Elissa Branch.

Born and raised in the working class city of Detroit, Michigan. So things were hard. I was raised by a single mother who taught me early on that the key to success was having a hard work ethic. That work ethic directly translates over to success in the mortgage industry. I started working food service jobs when I was 14 and learned early on the value of elite client service. As a youth, I fell in love with music and skateboarding. Those two communities were diverse, supportive, and got me through some tough times. Since I barely graduated high school, I thought I would pursue another one of my passions -  cooking. Flunked out of culinary school and worked hard in bars for a few years until I moved back to Michigan. I got a degree in English education. Much like educators, mortgage professionals help individuals overcome obstacles. Unfortunately, teaching didn't pay well and I had a few friends that worked in the mortgage industry down at Quicken Loans. I started at UWM in May of 2016 as an Account Executive. Rode that for a year, but teaching was in my blood. I built a Sales Coaching Team here at UWM and eventually was selected as one of the individuals to build Success Track. In 2021, Mat had a vision to create a team to help mortgage professionals all across the country grow. One of the main things I've picked up from Mat, is the idea of Servant Leadership. I embrace that as a leader of the Partner Services Team. Work ethic, attitude, and the idea of reaching the top together is a mindset I embrace every day.The mortgage industry is 100,000 percent mindset based. If you wake up positive, you will make an impact, those impacts are little victories, those little victories add up to championships.theBobbyKerr.com | @thebobbykerr | SummitLendingUSA.com ABC PodcastFacebook: https://www.facebook.com/alwaysbecoolpodcastTwitter: https://twitter.com/thebobbykerrInstagram: https://www.instagram.com/alwaysbecoolpodcast/TikTok: https://www.tiktok.com/@thebobbykerrYouTube: https://www.youtube.com/@alwaysbecoolSummit LendingFacebook: https://www.facebook.com/SummitLendingUSATwitter: https://twitter.com/SummitLendingUSInstagram: https://www.instagram.com/summitlendingusa/LinkedIn: https://www.linkedin.com/company/summitlendingkc/YouTube: https://www.youtube.com/user/loantipskc

059 How to Stop Living Paycheck to Paycheck with Devin Burr Devin started doing mortgage refinances back in 2005. He left his Corporate job at Quicken Loans back in October of 2019 to start investing in Real Estate full time. Leading up to the pandemic in March he had done 7 deals all from networking with other people. When everyone was on lockdown because of the pandemic he heard about Infinite banking on a podcast. He went down the rabbit hole and was intrigued by the possibilities of using policies to fund his Real Estate deals. He started sharing his knowledge of policies and infinite banking on tiktok in December of 2020. He quickly grew a following and now strives to teach more and more people about the power of becoming your own bank. #paychecktopaycheck #moneymultiplier #infinitebankingsystem #nickkoumalatsos --- Support this podcast: https://podcasters.spotify.com/pod/show/nick-koumalatsos/support

Here is number three by Kevin! Kevin is currently Head of UX for Pie Insurance. Throughout his career, Kevin has offered design leadership for many well-known brands such as: GEICO, IBM, and Quicken Loans. His research has been cited in over 50+ countries. He is a Council member for the George Washington University Customer Experience Advisory Council, Forbes, and Invision's Design Leadership Forum. Kevin has be guest lectured at the top 3 Human-Computer Interaction Schools in the world (University of Washington, Georgia Tech, and Carnegie Mellon). Ramblings of a Designer podcast is a monthly design news and discussion podcast hosted by Laszlo Lazuer and Terri Rodriguez-Hong (@flaxenink, insta: flaxenink.design). Facebook:https://www.facebook.com/Ramblings-of-a-Designer-Podcast-2347296798835079/ Send us feedback! ramblingsofadesignerpod@gmail.com, Support us on Patreon! patreon.com/ramblingsofadesigner

About Michael :Michael McAllister started out in the mortgage industry as a purchase-focused loan officer in 2015, so he understands how challenging it is to build a mortgage business firsthand. After struggling to build relationships "traditionally" with real estate agents, he knew he needed to bring something different to the table.Although he knew real estate agents were the typical first stop for a prospective homebuyer, he also knew that the company in the mortgage industry with the most momentum at the time was Quicken Loans (now Rocket). This led him to ask the question: "How does Quicken get purchase business if most realtors he knew avoided Quicken prequal letters like the plague?"It didn't take long to figure out that Quicken was dominating the internet lead generation space, marketing directly to consumers instead of to real estate agents.While most mortgage officers were busy wasting time with Facebook ads, Michael looked to search engines - the place where people are actually going to search for mortgage information. Using the pay-per-click model, he developed a method for cost-effectively finding leads and then used his knowledge of the industry to develop a funnel method that turns them into clients.Because of his personal success using Google Ads and automated marketing systems to generate business for himself, it wasn't long before other loan officers began asking him to do the same for them. It was then, that Empower LO (formerly Empower Funnels) was born.- Empower LO is our customized version of Go High Level built specifically for loan officers and the mortgage industry. We offer a 14 day free trial of this, but if your listeners chat in after they sign up for their trial and let us know they came from Peer to Peer, we'll double their trial to 30 days. - Link for Empower LO: https://bit.ly/3GMmQW9- Empower LO Core is our Mortgage Lead Generation service using 100% Google search traffic. If you mention the podcast anytime before you sign up, we'll give you $500 off our one time setup fee. - Link for Empower LO Core: http://bit.ly/3HaHxwHLinks From The Podcasthttps://empowerlo.com/info@empowerlo.commobile: 208-278-2630email: michael@empowerlo.comhttps://www.linkedin.com/company/empower-lo/https://www.peer2peerrealestate.com/@peer2peerrealestate434 - Youtubehttps://www.linkedin.com/in/williemorales/Book(s)recommendedReal Estate On Your Terms- Chris PrefontaineReboot What did you think about today's subject?Please go to apple podcasts look for us at peer 2 peer real estate podcast, please subscribe and leave a review.Don't give up on your dreams, fight for it and guard it.Keep the momentum going, Good things will happen.Thanks for listening and be safe. Hosted on Acast. See acast.com/privacy for more information.

Here is number two by Kevin! Kevin is currently Head of UX for Pie Insurance. Throughout his career, Kevin has offered design leadership for many well-known brands such as: GEICO, IBM, and Quicken Loans. His research has been cited in over 50+ countries. He is a Council member for the George Washington University Customer Experience Advisory Council, Forbes, and Invision's Design Leadership Forum. Kevin has be guest lectured at the top 3 Human-Computer Interaction Schools in the world (University of Washington, Georgia Tech, and Carnegie Mellon). Ramblings of a Designer podcast is a monthly design news and discussion podcast hosted by Laszlo Lazuer and Terri Rodriguez-Hong (@flaxenink, insta: flaxenink.design). Facebook:https://www.facebook.com/Ramblings-of-a-Designer-Podcast-2347296798835079/ Send us feedback! ramblingsofadesignerpod@gmail.com, Support us on Patreon! patreon.com/ramblingsofadesigner

Ever heard of Infinite Banking? Dave Ramsey says Infinite Banking is a "SCAM" but My Guest, Devin Burr, says it's the best kept secret and thanks to his approach on Infinite Banking, he is now "the bank" and no longer needs to borrow his funds! In this episode he explains that its all about how the insurance policy is engineered and used!Devin started doing mortgage refinances back in 2005.  He left his Corporate job at Quicken Loans back in October of 2019 to start investing in Real Estate full time. When everyone was on lockdown because of the pandemic he heard about Infinite banking on a podcast.  He went down the rabbit hole and was intrigued by the possibilities of using policies to fund his Real Estate deals. He quickly grew a following and now strives to teach more and more people about the power of becoming your own bank!Enjoy the Show!

I hope everyone had a great Thanksgiving! Here is our series with our own Kevin! More to come! Kevin is currently Head of UX for Pie Insurance. Throughout his career, Kevin has offered design leadership for many well-known brands such as: GEICO, IBM, and Quicken Loans. His research has been cited in over 50+ countries. He is a Council member for the George Washington University Customer Experience Advisory Council, Forbes, and Invision's Design Leadership Forum. Kevin has be guest lectured at the top 3 Human-Computer Interaction Schools in the world (University of Washington, Georgia Tech, and Carnegie Mellon). Ramblings of a Designer podcast is a monthly design news and discussion podcast hosted by Laszlo Lazuer and Terri Rodriguez-Hong (@flaxenink, insta: flaxenink.design). Facebook:https://www.facebook.com/Ramblings-of-a-Designer-Podcast-2347296798835079/ Send us feedback! ramblingsofadesignerpod@gmail.com, Support us on Patreon! patreon.com/ramblingsofadesigner

Realizing the significance of your life can prompt you to think deeply about your purpose - it goes beyond accumulating riches. In this episode, we have Josh Cantwell sharing his story as a survivor of pancreatic cancer. He also shares practical tips on what it takes to find the right partners and to operate in favorable lanes to set one's real estate business to success.   Josh Cantwell is a family man, father of three kids, and school and club volleyball coach. He is the CEO Owner/ GP 3000 Apartment Units. He is also a pancreatic cancer survivor. [00:01 - 07:07] Going Beyond Riches and Living One's Purpose   Josh on starting as a financial planner to earning income passively Serving a greater purpose than simply making money Being a pancreatic cancer survivor and realizing one's purpose   [07:08 - 25:31]  Finding the Right Lane to Boost Profitability   Josh shares his story on the motivation to go bigger Creating a competent team with optimized skill sets Tips on setting yourself up on the right posture for private investors   [25:32 - 26:48] Closing Segment   Reach out to Josh See links below  Final words Tweetable Quote   “He [Josh Cantwell's father] said, ‘Look, son, in the second half of your life, you have to figure out why you were one of the six that were spared because 94 people out of 100 who are diagnosed the same as you are dead. And so you have an obligation; you have more talent than you need. You were spared for a reason.' ” - Josh Cantwell   ----------------------------------------------------------------------------- Connect with Josh Cantwell on Linkedin. Check out his website and email him at jcantwell@freelandventures.com.      Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below: HTSCRE#709   Josh Cantwell  00:00 You know what I realized, Sam? When I started buying multifamily, is that there were these swim lanes, right? So I think the first thing is identifying as the owner, CEO, or founder. What are the swim lanes that if you grow a big enough portfolio that somebody can just do that one thing.   Intro  00:15 Welcome to the How to Scale Commercial Real Estate Show. Whether you are an active or passive investor, we will teach you how to scale your real estate investing business into something big.   Sam Wilson  00:28 Josh Cantwell has been an entrepreneur his entire adult life with his partners, who now own and manages over 4400 units of value out apartments. Josh, welcome to the show.    Josh Cantwell  00:39 Hey, Sam. Thanks for having me on. Man. I've been looking forward to this one. Let's get it going. Man. Thank you.    Sam Wilson  00:45 As have I; there are three questions Josh asked every guest that comes to the show in 90 seconds or less. Can you tell me? Where did you start? Where are you now? And how did you get there?   Josh Cantwell  00:54 I started actually, as a financial planner, I learned about real estate because my clients all owned more money and had more money in real estate than the stock market. So I started way back in my early 20s. Where am I at right now I'm happy I am, I probably work about 20 to 25 hours a week. But super balanced life. I'm a volleyball coach, a football coach, a basketball coach, I've got three young kids. And this is the sweet spot for young kids in spending time with them. So I've got to do that. That's where I'm at now. I've got an amazing team. I've got my partner Glenn that handles our CapEx. I've got my partner Tyler who handles all of our operations and asset management. And we've got a CFO that handles our finances. And so I'm very fortunate to be able to focus on the financial the money, raising capital, working with investors, and acquisitions. And where I'm going is all I care about at this point is more passive income, more freedom of time, more freedom of relationships, being able to support my, my single mom, my father passed away a couple years ago. And being able to pass along all the things that we've done, learned and acquired, and use that for the greater good. The key things in the groups and the charities that we care about. That's where I'm going.    Sam Wilson  02:13 That's cool. I just from a purely, I guess, I'm going all the way to where to put this, you said you're trying to develop more passive income, to what end? There's always this next level, I think that every entrepreneur wants to get to and it's this insatiable, like, Man, if I can just get the next and then it becomes its own kind of self uncertain goal and in its own right. Why do you want passive income?   Josh Cantwell 02:40 So so our company, our HQ is called 950 management. So we don't have a goal of of acquiring 10 million of passive income right now we've got about $13 million a year flowing in and gross income through my apartment complexes. And that's just my Cleveland based portfolio. does not count the stuff we have in Houston does not count the stuff we have in Atlanta. That's just the stuff in Cleveland in my backyard about 13 million bucks. Right? You know, it's interesting, Sam, when I when I meet with like, I met with the president of my old high school paddle a Franciscan High School. And they have all these goals for how to impact young kids, high school kids, right? Their endowment, they need to build tuition that they need to pay for trips, all these different sport functions and Fine Arts. They don't have enough money, you know, so 950 management is important to me, because 950 management represents 950 units, it's our annual goal to buy 950 units. And the reason why 950 Sam is because we make about $1,400 of net free cash flow per year per unit. So that 950 times 1400 represents $1.2 million, it's $100,000 a month. So my goal every year is to add $100,000 a month of net free cash flow not noi, but after all the expenses after all the debt service and after all my investors pref payments and everything. Because that is forever income that can be used to impact those types of organizations that are going to take care. I'm very passionate for kids. I think there's more kids growing up in divorce houses. It's a fact that 70% of African American kids are raised in single parent homes. It's a fact that more parents are disenchanted that are worried about more about their own social media profiles and raising their children. So I think kids are at significant disadvantages, even though the world is more rich and wealthy than it's ever been. And so I think that really is my goal is just, you know, passing that back and taking care of those kids basically ages kind of five, six, all the way up to 18 years old. And so that's where the 950 comes in. That's my annual goal. So there isn't like an end game for me. It's 950 a year.   Sam Wilson  04:56 I love that. No, that's great. And the reason I asked that because I knew you had more to it. There was more to the story that man, I just want to add another zero to my bank account like, yeah, it's at some point that becomes meaningless. So I love I love the trajectory of, hey, this is where we're going. And here's why it serves, it serves a greater purpose than just making more money.   Josh Cantwell  05:19 The other thing Sam is listen, like I'm a pancreatic cancer survivor. Oh, wow. Pancreatic cancer had just a 6% survival rate. When I was diagnosed. Wow. I was diagnosed in 2011. And shortly after I was diagnosed, Steve Jobs died of pancreatic cancer, he had the same exact diagnosis as me saying the same style of pancreatic cancer, there was almost the same exact diagnosis and he died. I'm 35 years old wife, two small kids, my wife was eight months pregnant. And now I get this diagnosis. And I find out that the world's probably most famous human is dying of the same disease that I was just diagnosed with. And I'm like, Oh, crap, right, my father to his credit, and again, my father died just a couple years ago. But my father was my first great entrepreneurial mentor, he was an entrepreneur. And he said, Look, son, in the second half of your life, you have to figure out why you were one of the six that were spared, because 94 people out of 100, who are diagnosed the same as you are dead. And so you have an obligation, you have more talent than you need. You were spared for a reason. You have a beautiful wife and children that you're given a second chance to, to be with them and help them and grow that family. So now in the second half, I'm still I've been 10 years now since that recovery, that surgery and recovery, but I still feel like I'm trying to figure it out. But multifamily is the avenue the tool that I found to be most successful, I've done residential investing, I've done private lending, I've done commercial investing of all different types, hard money lending, the infinite income, the long-term passive income, equity, all those different types of tax advantages. All of that serves my greater purpose of using the talent and the second chance that I was given. So it has that larger purpose for me.   Sam Wilson  07:08 That's awesome. I love that. So that puts you roughly 46 at this point. All right. You bet. Okay. Okay. That's awesome. And one of the things we talked about here before, before kicking off the show was that you had been investing in real estate for 20 plus years, and then it's only been really in the last eight years. It's something that's cooked coincides nicely, right along with, you know, getting over pancreatic cancer. You've been investing in commercial real estate for the last eight years. What What was the transition other than maybe commit pancreatic cancer is that hey, go do something bigger. What was the motivator for moving into commercial?   Josh Cantwell  07:47 The transition was painful, Sam, it was awful. No, because I was I was I was realizing in 2010 2011, we had made a lot of good choices. We got into Pre Foreclosure investing, residential, short sales, all that kind of stuff, foreclosure investing before the crisis. So we started in 2004, or five, six, a crisis happens and oh, wait. We're ahead of the game. We become a national speaker, all these kinds of things. But I'm also realizing that resi is very transactional. And if you buy even a single family, a duplex is just not very big. A four Plex not You're not really moving the needle all that much. So I had this desire to get into commercial didn't know how then I was like, then I was really ripped out of the game. When I got diagnosed with cancer. I was pulled away from my business for about nine months, about three months prior to the surgery, preparing all kinds of doctor's appointments, just a bazillion tests. And my wife, you know, it was eight months pregnant. She had an emergency C section. So I had to help her with that even though I knew I was sick. You know, I had my son was born right before my surgery. And then six months after my surgery, no income, no, like zero, my bank accounts dwindling down to nothing. Even though I had success in resi and made a lot of money. It was just it was bleeding. I was hemorrhaging. I had employees, I couldn't pay my personal bank accounts feeding the business that's dwindling down from hundreds and hundreds and hundreds of 1000s down every month, like by 50 grand a month negative going down, down down. So it was painful. But what I realized coming out of that was that I had made this mistake. Okay. I read Rich Dad, Poor Dad like everybody else about passive income, right? Robert Kiyosaki, Robert Allen, multiple streams of income and I thought I was doing it but I really wasn't I was just flipping houses for income. So what I knew, though, what I knew was Razzie. So I decided to stand up a private equity fund, recruit all this private capital into a PPM into a private equity fund, and then lend it out in private money and hard money loans for both resi and small balanced commercial, started creating passive income by being that lender out of the fund and that worked, but it didn't create enough passive income and then every six months to two years, those loans would pay off and I'm like, crap, I gotta, I gotta go make Another loan I hated when loans got paid off, right? Because they were producing passive income, right? And then my investors in the Fund started asking me, Josh, you know what, this is great. But what else do you got? And I had some buddies of mine that started investing in apartments back in 2015 2016 2017. And they needed more equity, they needed somebody with a balance sheet to kind of co sponsor their loan. So I started out doing co sponsorships and raising capital. And then I realized, like, wow, why don't I just do the operations also, and then that evolved into that, so it's very much an evolution. And I kind of feel like, honestly, like the world, God, whatever you believe in, right? I believe in God and follow Jesus Christ. But whatever you believe in, I feel like the world pushed me down this path and taught me these lessons. So I could end up where I'm at today. Because without the lesson of cancer without the lesson of the private equity fund without the lesson of Jvn, on my first couple of multifamily deals, I wouldn't know exactly how to operate the business today. And all that's lined up to where we have a really tight operation today.   Sam Wilson  11:03 Yeah, it sounds like you have an incredibly tight operation today. I mean, you named off two or three other seats on the bus that you have put in there, you had your asset manager, you had what was your What were you had four to four people, including yourself?   Josh Cantwell  11:18 my partner, Glenn, handles our capital improvement swim lane, because we own the construction company, we do a lot of value add improvements, and we do them all in house. So we own we own we are the GC, Tyler is our partner, and he handles all of our asset management. So he oversees the third party property managers, our third party property managers can't stand us because we asset manage the shit out of them. And then Roberto, is my CFO. And he has a small piece of equity that we've given him in some deals. But he's the CFO that works with our property managers and our capital improvement to kind of do all the financials. And I focus on all those financials, the underwriting acquisitions, and raising all the capital. So I get to sit way above the business, outside the business and above the business. And I get to do things like podcasts and investor relations, investor recruiting. And of course, I get the final say on everything we buy, the final underwriting the final review and the final price. So I really feel like each one of us is sitting in in the right bucket in the right swim lane that optimizes their skill sets.   Sam Wilson  12:25 How did you build that team? I mean, was this from just years of being in the business and saying, hey, I want to start something great. You want to come join me? What was that process like?   Josh Cantwell  12:36 You know, what I realized, saying when I started buying multifamily is that there were these swimlanes. Right? So I think first thing is identifying as the owner or co founder, what are the swim lanes that if you grow a big enough portfolio, that somebody can just do that one thing, right? So I thought, okay, somebody is going to need to basically look at all the deals and focus on broker relationships and acquisitions, somebody is going to really need to focus on recruiting capital, working with private investors, somebody is going to, if we're going to do the construction, and do it well, and control the process control expenses and budget, someone's gonna have to do that, somebody's going to have to do property management, or sit above the property manager, somebody's got to take care of the financials. So we broke it out into five swimlanes. And then a couple of those were able to kind of come together were like, really Glenn focuses on this capital improvements, but he's also got relationships with some investors, right? Tyler doesn't really have many relationships with any of our investors. But he's a little younger, likes to hustle likes the communication and networking with brokers. So he had about 100 units of single family that he was managing. So he was already kind of good at Property Management knew a lot about the costs of materials and labor. So we first of all paid attention to what the swimlanes could be, we drew out all the job descriptions. And then over time, we realized that there were certain people that were on the team that were already kind of fit those, right. I met Roberto, my CFO 15 years ago, and I actually met him he had moved from New York, New Jersey to the Cleveland area. I hired him through a temp agency. I just needed more finance and accounting help. He had just moved into town. He you know, so we brought him on. And he's just evolved over that he's been in digital marketing with me, he's been in resi, flips the fund. All that's been an evolution. I think the big thing, Sam with the team is that you have to hire the right people. Sure, that's critically important. But I think a lot of small business owners and entrepreneurs have way too short and way too immediate of an expectation of new hires, they expect you to come in and be Superman in the first 30 to 90 days of the new hire. The beautiful thing about commercial investing and multifamily is that it's an infinite game, you're playing the long term, right? And when you do that, you can have a longer term view of your staff. So I tell my team like it's gonna take people a year until they really know all the systems the site Software, the people, the culture, personalities, everything that they need to be successful. So, you know, those are some of the things that went into these. I met Glenn in college, he had moved away, he was in corporate world forever. He was getting a divorce, he called me up and said, Josh, I'm moving back, I knew Glenn had a tremendous amount of fortune 500 experience. And I knew he'd be great at SOPs and defining swimlanes and managing the day to day operation of the business. And then Tyler, we brought on actually as our VP of acquisitions when we had the fund, years and years ago. So he was he was he was the director of Quicken Loans. So he was used to the transactional nature of that he was used to the transactional nature of property management. And when we decided to go into full time and push all of our chips in as an owner operator, I knew he'd be good at property management and acquisition. So some of them I kind of stumbled into, but I think it started Sam with knowing those swim lanes, and we knew what we were trying to find a recruit to.   Sam Wilson  15:58 And that's, that's so imperative, I think, is defining, you call it defining your swim lanes. I think it even goes to, you know, the one step even further back, which is, you know, where are we swimming? Like, where are we going, like, what, what do we want and why? And when know that and you can put the people in the lanes, and then you can build your team. But I love   Josh Cantwell  16:19 But I love that, like we talked about right? That was that's that's what we knew what we wanted to do 915 or 50 units a year. And then the swim lanes of who do we need to help us do that? Right, right.   Sam Wilson  16:28 No, that's absolutely awesome. I love I love that you guys have done you do this number off the top of your head. But you said you just wrapped up I think you're 19th syndication. Right. That's, that's really cool. Other than raising money from private investors, have you guys done anything on the institutional capital side of things?   Josh Cantwell  16:47 Not for equity? No. Well, I have one deal, one large 100 million dollar deal we own in Houston. It's a 552 unit. It's actually 600 units. Now, because we did some conversions, which we turned, we turned some big. It's huge. Oh, yeah, I thought you're making a comment.   Sam Wilson  17:06 My mic is on mute. That that's massive. But that's a small city, almost 600, or it is 600 units.   Josh Cantwell 17:12 Yeah, we converted some of the large three, three and four bedroom units into smaller ones and two ones, because they were the big footprint was too big. And honestly, there's not a lot of demand for a four bedroom, apartment, or even three bedroom apartments. So we converted it but long short, the raising capital is key, right. But that one had some institutional money on it, we had a family office that came in, wrote a check and recruited some capital, and they became a GP. But almost everything else we do is truly, you know, they're mostly accredited investors. But it's guys that put in between 100,000. And let's say a half a million. And I spend a lot of my time talking to those guys warming them off asking questions, creating that prior existing relationship. Because I like the control that that gives us, the more institutional equity we give, the more family office equity we recruit, the less control you have, they want more control, for sure. And I like to have as much control as possible. So that's why we started the construction company, we focus on really true private investors, they're not mom and pops, these guys are usually accredit very credited with you know, millions of dollars, but some people are not, you know, some people are, you know, they're not accredited, we do a 506 b. And they've got, you know, 100, grand, 20 grand, and we'll do some 506 B stuff, because we've got a lot of relationships. But that, to me is key, that that money, that private money, that allows you to control the deal, keep more equity for yourself, and ultimately dictate where you're going to go and not have Big Brother looking over your shoulder.   Sam Wilson  18:45 Right. And I've certainly heard it, you heard arguments on both sides of the of the city, or the story here, where it's like, hey, you know what institutional money is the way to go. And I also hear from your side, which is, and I tend to probably fall more into your camp than not, which is like, we want to be in control. We don't, I don't need somebody breathing down my neck. It was it was somebody else I had on the show a while back. And they said that they said, Man, that's all they did was institutional capital. And then one day, they just said, we're out, like not doing that ever again. And all they do and this guy raised, you know, hundreds of millions, if not billions. And he just said, no, no, no, we're only doing private capital from this point forward. So it's always interesting to get the multiple perspectives on why people do what they do. You said you really enjoy the conversations you have with your investors. What what do you feel at least I heard you say that maybe you didn't actually say that, but it seemed like you enjoy it. So maybe put words in your mouth. But what do you feel like are some key questions that you really like to ask investors as you get to know them that maybe are not the standard, just canned questions here?   Josh Cantwell 19:48 Here's I think it's I think it starts with posture and here's how I posture with private investors. Whether somebody finds me through a podcast or gets referred to me or follows me online Aner opts into our investor portal, or it's just a friend that refers a friend doesn't matter where they come from, I always start with the same thing, which is if I get on the phone with them, and we have a zoom call or one on one, I'm going to start and lead with this. It's posture 101. It's actually posture 401, in my opinion, which is, look, we do all of this through private placement, memorandums and Federal Securities exemptions. The SEC has certain rules and restrictions. And the SEC requires that I have a prior existing relationship with investors before they invest. So even if I had the best deal ever, and you had a half a million dollars that you wanted to cut a check for today, I cannot take your money. Okay. So the good news is, is that the SEC requires that I have a prior existing relationship with you before you invest. So if it's okay with you, there's no pressure here. I can't take your money anyway. If it's okay with you, I'm just going to ask you a lot of questions about your risk tolerance, about your current assets, your goals, your family who helps you make investment decisions? I'm going to ask you questions like that, because I've got to check the box with the SEC. Now Sam, I've postured up to say, one I'm not desperate for your money to I'm going to follow the rules, it's required. Three, even if you wanted to cut a check, I don't need it. I'm basically telling them psychologically, I'm not desperate for your money, right now. I'm willing to take my time to get to know you. And then finally, Sam, one of the things I'll say is listen, and I bet I've seen this forever, even when I even when I needed money. I would say this anyway, I would say, look, I could use your money, but I don't need it. I can use your money, but I don't need it. Okay. So I am in the fortunate position that investors that want to invest with me have to qualify to work with us, they have to go through an interview process. Now it is sec require it. But I'm fortunate enough to have a lot of investors, and I get to pick and choose who I get to work with. Okay, so I have a very strict policy in my business. It's called the no dipshit policy. So I don't want anybody in my business and it's going to wreak havoc on the business, that's going to ask 42 million questions. It's going to be disrespectful to my staff. So this is all the posturing. Then when they understand that, then I can ask them questions like, okay, have they invested in real estate before? If they've done syndications before they've done stocks, bonds, mutual funds, do they have a financial advisor? Do they have other people that make help them make financial decisions? What are they investing for? How long can they put the money away for what kind of returns they expect? Have they invested in cannabis crypto oil and gas leases, anything that's non traditional, and then that's all the first appointment first meeting. Then typically, the second meeting is I bought a week later, two weeks later, get back on a zoom. And I'll say, look, in the second meeting, I'm going to show you a past deal that we've done. And I'm going to ask you some more questions and verify everything that I learned in the first meeting so we can continue to establish this relationship. And then at the end of that second meeting, I might show them a past deal, some preferred returns, you know, what kind of equity people got. But I say, Let's This is a past deal. You can't invest in this. So this is not an offer. And then I say, Look, you know, the third meeting, we're going to just verify this stuff again. And I still I'm not going to pitch them a deal. And then I'll say posture, I'll say, look, if I found a deal like this, that let's say paid an 8% pref with equity refi and 42 months or 48 months equity in perpetuity 20 to 25% annualized return. If I found a deal like that. Do you or anybody that you know, would be interested in something like this? And they'll say, Yeah, me? What about me? I'm interested, okay. So I'm not asking them directly ever, if they want to invest someone, if you or anybody, you know, interested in something like this, I just want to be the top of mind reference, if you know anybody else that might be interested. So I'm never directly asking them Do you want to invest in this deal? Okay, posture, posture, posture, usually three meetings, I still haven't pitched them a real deal that they can invest in. Oh, they're foaming at the mouth to now get into a deal because I I've slow rolled them. I think the slower you go, the more money you're gonna raise. That's my philosophy.   Sam Wilson  24:05 I couldn't agree with you more. I love the idea. You've given us a step by step playbook there. Thank you for unveiling that for us. Because that there's you take more steps to this. And I think even I certainly you have more steps in your process, certainly than I do. And I think that's, that's brilliant. I love the slow play method. And it's not it's not all psychological games. I mean, everything you're saying there is true. And I think the more we let go and the more relax, the more our investors feel relaxed.   Josh Cantwell 24:35 Yeah, no question. I think some of the biggest mistake people can make is to say, well, if I find a great deal, the money will come. Right. Like you have to warm up a lot of money in order to posture with brokers who control a lot of the deal flow as we know or even posture up with a seller if you're direct to seller to tell that broker and the seller. I've got all this money warmed up. I'm just looking for the right deal, right versus send me deals Deal, deal deal deal, and then I gotta go hustle to find all the money. I had a friend of mine who just lost 40 and $50,000 of hard earnest money on a deal because they couldn't get it all raised and closed. They went through two extensions and then still couldn't close lost 450 grand, that's a painful ask lesson, right? That's because they thought if I find the deal, I'll get the money to me. It's warm up a lot of money, then posture up with the brokers try to find some off market deal flow, and then say, Hey, I've got three, four or five $10 million, whatever. I'm gonna buy one really good deal. To me. That's a better approach.   Sam Wilson  25:32 Josh, I love it. You've given us so much to think through. You've shared with us so many insider insights here into your business how you guys have grown the struggles you guys have had things you've done right? Things you've done wrong. You got us a playbook here for reaching out to investors. This has been just a value packed episode. Want to say thank you for coming on the show today. I certainly appreciate it. If our listeners want to get in touch with you to learn more about you. What is the best way to do that?   Josh Cantwell 25:57 Oh, yeah, I'm all over social media to connect with me on Facebook, follow me on Facebook. Or you can go to our main website, Freeland ventures.com. There's everything from our portfolio, a bunch of YouTube videos, training videos, it's all at freelandventures.com.   Sam Wilson  26:12 Freelandventures.com We'll make sure we include that there in the show notes. Josh, thank you again for coming on the show today. I do appreciate it.   Josh Cantwell  26:19 Sam, thanks so much for the invite, man. had a blast.   Sam Wilson  26:21 Hey, thanks for listening to the How to Scale Commercial Real EstatePodcast if you can do me a favor and subscribe and leave us a review on Apple podcasts, Spotify, Google podcasts, whatever platform it is you use to listen If you can do that for us that would be a fantastic help to the show it helps us both attract new listeners as well as rank higher on those directories so appreciate you listening thanks so much and hope to catch you on the next episode.

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Like all other talents and skills honed over time, selling something is truly an art form that takes practice to improve upon (and ultimately master). A long-standing company can use its long track record as an advantage for presenting expertise, overwhelmingly positive customer service, or superior products. That's all very helpful if you're Coca-Cola, Microsoft, or even Quicken Loans, but what about a start-up? Without the credibility of the big guys, it might seem like you need to bend over backward just to get in the door. Stop doing that and if you want to know how to master the art of selling then this episode is for you. In this episode, we've invited an amazing entrepreneur. His name is non-other than Shawn French. Shawn French is an Author and entrepreneur focused on helping others build their brands and online presence through being their authentic selves. He is a performance coach by nature and he truly believes that everyone is a performer whether they know it or not. He lives by executing high-performance habits on a daily basis in his personal and professional life regardless of how he feels at any point in the day. The job always needs to be completed! Shawn is the host of a top 10% podcast called The Determined Society where he interviews top entrepreneurs and influencers on a weekly basis highlighting their adversity and their rise to greatness. In this episode, Shawn will be sharing: 1) The Common Sales Objections & How To Overcome Them 2)  The Method To Meet More Customers On A Daily Basis 3)  The Secret To Consistently Grow Your Business Learn more about Shawn French: Website: https://theshawnfrench.com/ Youtube: https://www.youtube.com/channel/UCdyoXfApGxbYScxkrFVUT1Q Instagram: https://www.instagram.com/theshawnfrench/ --- Send in a voice message: https://anchor.fm/theraygacyshow/message

On this episode of the Startup of the Year Podcast, we hear from Nate Andorsky, who is the founder of Effectual Ventures, a company that helps startups find and accelerate product market fit. Prior to that, he spent the last decade building an Inc. 5000 company and he was working with everyone from early stage startups to Fortune 500 companies such as Johnson and Johnson, CVS Health, Quicken Loans, while ideating and bringing new products to market.   Nate is also the author of “Decoding the Why" which dives into how Behavioral Science is Driving the Next Generation of Product Design. We have a special offer for our listeners, who can grab their own free e-book version of the book today at: soty.link/Decoding by entering the code: SOTY   We also share an event we're hosting for the Startup of the Year community coming up on December 13th, which concludes our “Grow Your Startup” series. This virtual event will feature five companies from our community, and we will be putting them on a virtual stage in front of investor judges and a global audience. It should be a lot of fun and pretty interesting to see some of these early startups. The event timeline, the application, and the event registration can be found at: soty.link/growpitch2022   We also again highlight one of the startups from our community and that company is Spontivly, which is a Community Management System that connects an organization's suite of community tools. They handle the full lifecycle of community management…from workflow management to community insights. Learn more about them at spontivly.com   Lastly, we invite you all to join our community today to access the support, expert advice, and resources you need to elevate your startup by going to: www.est.us/join     Thank you for listening, and as always, please check out the Established website and subscribe to the newsletter at www.est.us   Checkout Startup of the Year at www.startupofyear.com   Subscribe to the Startup of the Year Daily Deal Flow: www.startupofyear.com/daily-dealflow   Subscribe to the Startup of the Year podcast: www.podcast.startupofyear.com   Subscribe to the Established YouTube Channel: soty.link/ESTYouTube   *** Startup of the Year helps diverse, emerging startups, founding teams, and entrepreneurs push their company to the next level. We are a competition, a global community, and a resource.     Startup of the Year is also a year-long program that searches the country for a geographically diverse set of startups from all backgrounds and pulls them together to compete for the title of Startup of the Year.    The program includes a number of in-person and virtual events, including our annual South By Southwest startup pitch event and competition. All of which culminate at our annual Startup of the Year Summit, where the Startup of the Year winner is announced, along with an opportunity at a potential investment.   Established is a consultancy focused on helping organizations with innovation, startup, and communication strategies. It is the power behind Startup of the Year.  Created by the talent responsible for building the Tech.Co brand (acquired by an international publishing company), we are leveraging decades of experience to help our collaborators best further (or create) their brand & accomplish their most important goals.  Connect with us on Twitter - @EstablishedUs and Facebook - facebook.com/established.us

On this episode, Paige chats with her friend and fellow Scorpio sister, Kaitlyn Dear the fabulous and energizing force behind her art business, Clexo.Kailyn has a love for astrology and Paige has a deeply rooted fascination for astrology, which results in the beginning their conversation diving right into an intense birth chart reading. Kaitlyn reads Paige's birth chart, explains the different layers of being a Scorpio and how astrology ties into her own art and creative practice. After a fascinating and candid conversation about birth charts and souls meeting in a past life, Kaitlyn shares her journey of becoming a full time ARTrepreneur. Kaitlyn chat about how she was introduced to art, studying communications and design and her experience working as a telemarketer at Quicken Loans working the “Wolf of Wall Street” 9-5 cubical life.Paige and Kaitlyn share cross country road trip experiences, relationship stories, goals and dreams and at the very end of the episode, Kaitlyn explains the why behind her art business name, Clexo. Enjoy the episode and to follow and support Kaitlyn, check out https://www.clexo.org and https://www.instagram.com/clexoBook Recommendation - Many Lives, Many Masters by Brian Weisshttps://www.brianweiss.com/about-the-books/many-lives-many-masters/

Before pursuing his career in real estate, Matthew worked at Quicken Loans for 5 years, where he was a top-performing Presidents Club Mortgage Banker. When Matthew left Quicken he acquired his real estate license and started to work with Quest Realty. Matthew prides himself on not only helping his clients find the home of their dreams but also giving them the advice and client service they deserve throughout the process. Working in both the Mortgage and Real Estate industries allows Matthew to answer any questions his clients may have and overcome any hurdles that may arise during the home buying/selling process. Matthew has a wealth of knowledge and experience in finance, sales, and marketing. He has a way with people and makes every transaction as easy and pleasant for everyone involved while still being a proven negotiator.

Today, we're joined by Vance Hagan, ranked #1092 in the Scotsman Guide in 2022. Vance is Senior Loan Officer at Loan Pronto from Charlotte, North Carolina, who funded 438 files in 2021, totalling $122 million.   Vance is here to discuss what he learned from working at Quicken Loans right out of college, and the difference between the business models of Quicken and Loan Pronto.   In today's "Ask The Expert" segment, we have Ben McCabe from Bloom Finance discussing how to underwrite a reverse mortgage.   Vance Hagan's Website: www.vancehagan.loanpronto.com Vance Hagan's LinkedIn: @VanceHagan   Bloom Finance Website: www.bloomfin.ca/ilmb   The I Love Mortgage Brokering Network is brought to you by Finmo. To learn more, visit: www.finmo.ca/ilmb   If there's someone you think would be a great guest for the show, visit: www.podcastwithscott.com   Follow on TikTok: @tiktok.mortgagebroker   I Love Mortgage Brokering: www.ilovemortgagebrokering.com   Find out more about BRX Mortgage: www.rookietorockstar.ca   Find out more about the $25 Million Dollar Blueprint: www.get25million.com   Find out more about the 10 Loans A Month Academy: www.10loansamonth.com

Today Chris and I are so grateful to be joined by Eric Thomas PhD, who is an educator, best-selling author, motivational guru and international business phenom. Eric's unique brand of pragmatism continues to take the world by storm and has made him the preferred "go-to" problem-solver for many of the world's largest corporations. Namely, General Electric, Quicken Loans, AT&T, Nike, Under Armour, New Balance, UPS the MLB, NBA, NFL and, MLS. ET is the epitome of hustle, drive, determination, and success and we dive deep into ET's wisdom and faith in this interview.   IN THIS EPISODE, WE TALK ABOUT: ET's equation for finding your greatness How Eric views disadvantages and turns them into advantages The importance of being your authentic self How possible it is for the everyday person with average skills to succeed   RESOURCES You Owe You: Ignite Your Power, Your Purpose, and Your Why - Eric Thomas PhD  Thanks to Indeed for supporting Earn Your Happy. Go to indeed.com/happy to redeem a $75 sponsored job credit Sign up for The Spritz newsletter at litepink.com! Text DAILY to 310-496-8363 for daily manifesting affirmations and journal prompts   CONNECT WITH ERIC Follow Eric on Instagram: @etthehiphoppreacher  Follow Eric on TikTok: @etthehiphoppreacher  Follow Eric on Twitter: @Ericthomasbtc  Visit Eric's Website: ericthomas.com  Eric's YouTube   CONNECT WITH LORI Follow me: @loriharder Follow Lite Pink: @drinklitepink Follow Earn Your Happy: @earnyourhappy Follow Girlfriends & Business: @girlfriendsandbusiness Listen to Girlfriends & Business   CONNECT WITH CHRIS Follow Me: @chriswharder Visit My Website: https://chrisharder.me 

Today on the show Jayson is talking with motivational speaker, pastor, and founder of Breathe University, Dr. Eric Thomas. Eric had a tough upbringing in the heart of Detroit, but he didn't let that stop him from becoming the best version of himself and always seeing the positives. Eric and Jayson talk about how it feels to inspire and motivate people with energy and passion, and why that is much more important than money ever will be. They also discuss what we can take away from the great athletes of the world, and how they never gave up and never lost that winners mentality. Highlights: Inspiring people with energy and passion Focus on the process, not the outcome 85% is not 100%, no one is rewarded for trying Gain the traits of the greats It takes the same effort to complain as it does to do something The feeling of making a difference in someone's life Eric's wife getting sick, and making the most of it Eric's new book, You Owe You And much more… Eric Thomas is an American motivational speaker, author, consultant, and minister. He has worked with Fortune 500 companies like GE, Quicken Loans, AT&T, Nike, Under Armour, and UPS. He has consulted for major universities and sports teams within the MLB, NBA, NFL, and NLS. He speaks at several K-12 schools and detention centers. He is the founder of Breathe University, a holistic coaching program. He is CEO of his consulting firm, ETA LLC. He is a part owner of a solar power company, a real estate conglomerate, Extreme Execution, a trucking company, and more. GET A COPY OF OWN YOUR POWER - AN AMAZON'S NUMBER 1 BOOK RELEASE! Immerse yourself with 8 key life-changing principles, worksheets to create your own map, and how to reach another level of your game!  It's all Real Life Stories! It's You vs You! Warning: This book is not suitable for pessimists, excuse-makers, and haters! PINK ENERGY is the leading solar energy company installing solar panels and solar power for homes.  Looking for a job in the Energy Industry Serving Communities? Join the solar movement! www.Powerhome.com/careers Social‌ ‌Media:‌ Check out Jayson's website: https://www.jaysonwaller.com/ ‌ Follow True Underdog and Jayson Waller on your favorite social media channels and digital podcast platforms: https://linktr.ee/trueunderdog True Underdog is a Top 3 Entrepreneurship podcast on Apple hosted by Jayson Waller, CEO of Pink Energy, one of the fastest-growing private companies in the USA, and his high-profile guests share motivational tips, inspiring stories, and business-building lessons to help each listener grow in their entrepreneurial journey. Reach‌ ‌out‌ ‌to‌ ‌Jayson‌ ‌directly‌ ‌at:‌ ‌ Jayson@trueunderdog.com‌ ‌ Guest Social Handles / Links In The Episode: Website: https://www.ericthomas.com/home LinkedIn: https://www.linkedin.com/in/etinspires/ Twitter: https://twitter.com/Ericthomas Instagram: https://www.instagram.com/etthehiphoppreacher YouTube: https://www.youtube.com/user/etthehiphoppreacher Podcast: https://www.s2spodcast.com/ Book: https://www.amazon.com/Eric-Thomas/e/B007CGFU7S%3Fref=dbs_a_mng_rwt_scns_share Learn more about your ad choices. Visit megaphone.fm/adchoices

Steve works with companies that want to avoid the trap of technical debt by helping their teams deliver quality software quickly. Steve and his team at NimblePros have been described by clients as a “force multiplier,” amplifying the value of existing development teams. Steve's client list includes Microsoft, Quicken Loans, Celina Insurance, and many other satisfied customers. And he also offers career coaching to developers through Dev better.com.   Topics of Discussion: [3:20] What is onion architecture? [4:07] Steve discusses Domain-Driven design. [5:15] Domain-Driven Design is all about how to take big complicated problems in software, and break them up into smaller pieces that we as developers can isolate, think about, design, test, and then construct together in a modular fashion with other pieces. [6:00] The key concepts of Domain-Driven Design. [9:13] How and why DDD came about. [12:28] Why Steve thinks about it in terms of having a bounded context per application that you deploy. [16:33] Historical records of things should always be duplicate data. There should be a snapshot of the data at that time. [17:06] Where should people begin if/when they are new to the book? [17:54] What exactly is clean architecture? [23:01] Steven talks about having one infrastructure project where there are all these dependencies versus multiple. [24:09] Steve names the three main projects. [30:49] Very mature and high-stakes professions have chosen to put constraints on themselves, and with positive effect. How can we take this into architecture and design?   Mentioned in this Episode: Architect Tips — New video podcast! Azure DevOps Clear Measure (Sponsor) .NET DevOps for Azure: A Developer's Guide to DevOps Architecture the Right Way, by Jeffrey Palermo — Available on Amazon! Jeffrey Palermo's YouTube Jeffrey Palermo's Twitter — Follow to stay informed about future events! Programming with Palermo programming@palermo.net devBetter NimblePros Ardalis Domain-Driven Design   Want to Learn More? Visit AzureDevOps.Show for show notes and additional episodes.

Andy welcomes Dr. KimArie Yowell to this week's The Talent Development Hot Seat. KimArie is the Chief People Officer for Rocket Central, a Detroit-based professional services company. She oversees the teams responsible for creating and implementing training initiatives, talent development, and organizational effectiveness strategies. She joined Quicken Loans as a Leadership Coach with over 20 years of experience in client service, sales, and corporate education. KimArie has an intense passion for team member development and helping organizations thrive. She firmly believes that one's ability to effectively lead a team and make an impact rests on their ability to be inclusive, build trust and create a dynamic, high-performing team. KimArie Yowell has received several awards and accolades, including being named one of Michigan Chronicle's Women of Excellence (2020), Savoy Magazine's “Most Influential Women in Corporate America” (2019), and “40 Under 40” by the Michigan Chronicle for her exceptional achievements and community service (2018). She serves on Siena Heights University's Board of Trustees. In this bonus episode, you'll hear: 7. KimArie Yowell's biggest career accomplishment and why it stands out. 8. Her biggest career failure and what she learned from that mistake. 9. Why time is the biggest challenge in talent development today. 10. The trend she's paying attention to in the talent development world. 11. Why the book Year of Yes by Shonda Rhimes resonates with her. 12. How you can begin to accelerate your own career by being curious. Connect with Andy Storch here: https://andystorch.com/ (Website) https://www.linkedin.com/in/andystorch/ (LinkedIn) https://tdtt.us/ (Join us in the Talent Development Think Tank Community)! Connect with Dr. KimArie Yowell: https://www.linkedin.com/in/kimariewhy/ (LinkedIn)

Andy welcomes Dr. KimArie Yowell to this week's The Talent Development Hot Seat. KimArie is the Chief People Officer for Rocket Central, a Detroit-based professional services company. She oversees the teams responsible for creating and implementing training initiatives, talent development, and organizational effectiveness strategies. She joined Quicken Loans as a Leadership Coach with over 20 years of experience in client service, sales, and corporate education. KimArie has an intense passion for team member development and helping organizations thrive. She firmly believes that one's ability to effectively lead a team and make an impact rests on their ability to be inclusive, build trust and create a dynamic, high-performing team. KimArie Yowell has received several awards and accolades, including being named one of Michigan Chronicle's Women of Excellence (2020), Savoy Magazine's “Most Influential Women in Corporate America” (2019), and “40 Under 40” by the Michigan Chronicle for her exceptional achievements and community service (2018). She serves on Siena Heights University's Board of Trustees. In this episode, you'll hear: Dr. KimArie Yowell's transition from higher education into talent development and leadership at Rocket Central and why she has a passion for adult learners. Her learning and talent development philosophy and how that impacts her role at Rocket Central. What she does to help implement her learning philosophy and create opportunities for employee growth within the organization. Why Rocket Central has a Thrive Team, Thrive Coaches, how they help employees grow in their careers, and the purpose of Rock  Academy. How removing the financial burden of continuing education has helped remove another barrier to career growth and education and its impact on the Rocket Central team. What an organization can do to create a culture of retention and why demonstration is vital to creating it. Connect with Andy Storch here: https://andystorch.com/ (Website) https://www.linkedin.com/in/andystorch/ (LinkedIn) https://tdtt.us/ (Join us in the Talent Development Think Tank Community)! Connect with Dr. KimArie Yowell: https://www.linkedin.com/in/kimariewhy/ (LinkedIn)

Today we are talking about how we work on our business, quite often real estate's a very easy business to literally become a slave to. People think that we can just choose our own hours, we don't choose our own hours our clients do. And if their clients are choosing our hours for us, that means you have none. So what we have to really do is work very smart.Jess Lenouvel is the creator of The Listings Lab and has helped thousands of real estate agents manage their time and business to start attracting clients and not chase them.Three Things You'll Learn in This EpisodeHow to prepare your business for a market correctionHow to better manage you timeHow to become a seven figure realtorResourcesLearn more about Jess LenouvelReal Estate Marketing DudeThe Listing Advocate (Earn more listings!)REMD on YouTubeREMD on InstagramTranscript:So how do you attract new business? You constantly don't have to chase it. Hi, I'm Mike Cuevas a real estate marketing. This podcast is all about building a strong personal brand people have come to know, like trust and most importantly, refer. But remember, it is not their job to remember what you do for a living. It's your job to remind them. Let's get started What's up ladies and gentlemen, welcome another episode of the real estate marketing dude, podcast. What we're gonna be chatting about today, folks is, well, let's be honest, we're getting to we're seeing a correction. And during the correction, it's time to sort of revamp, look at our businesses, our systems, look at all the stuff that we're actually doing and get ready for it. And one of those things is on how we work on our business, quite often real estate's a very easy business to, you know, literally like become a slave to like, you can just you don't own a business people think that we can just like, it's great, we choose our own hours, we don't choose our own hours our clients do. And if their clients are choosing our hours for us, that means you have none. So what we have to really do is work very smart. This is something I'm passionate about, I used to always be someone that always stuck working in the business stuck in a hamster wheel. And once I started really studying business, and this isn't even a real estate thing, it's a business thing, right? Working on it is more important than working in it, otherwise, you'll never grow it. So that's going to be the concept of today. And we have a an author here who just released a book. And it's doing very, very well number one on both Canada and the United States. So without further ado, she's going to talk about the concepts of those books. And if you are feeling like you're running on a hamster wheel, I think you get a lot out of today. So let's welcome our guests. He's been on the show before so you guys may know her already. But if not, let's go just Len NevilleLenovo. That was really close lead NervilleI told her. I told you I was gonna butcher your name. But she's corrected me. But just go ahead and tell everyone who the hell are you?I am Jess I have been in the real estate space for a long time. I grew up in the industry, got my license at 21. My mom's been an agent for 35 year odd years, somewhere in and around there. And yeah, I built a multi seven figure team myself and then transitioned out of selling into helping agents scale their businesses through programs. And murder may 17, I released a book called more money less hustle, becoming a seven figure real estate agent, which is it's out and it's doing well. And I'm glad I'm grateful and I'm glad and it was a it was a really fun. It was a really fun one to two, I say Right. But to be honest, I didn't write it. I dictated it. Because it literally just was more of like a stream of consciousness thing than it was something that I like very meticulously kind of sat down and wrote. I never grew up thinking I was gonna write a book. It wasn't a goal of mine. I got frustrated with a lot of what was out there. And, yeah, I got I got frustrated with what was out there. Because I think that a lot of it is a lot of what is being taught out there is still that hustle grind, you know, crushing it mentality, which is not what I think leads to happy agents. Andit's a hamster wheel. Like we said, like the business sucks. I I moved to San Diego, so I so I can stop selling real estate, because if I would have stuck in Chicago, I would have still been doing it and I hated it. That's why I created real estate marketing. I love the marketing side of it. But I am burnt out man, I'm 17 years in the business I'm done. Doesn't mean I don't like to be in the business I got I sort of miss it in a sense. But yeah, because it's so grinding. So let's get into the principles of the book. Obviously. You're good on time management and all that. And that's probably what the number one skill. I think any real estate agent needs a master. But how do we go out and make more money? Less hustle? What do you what do you what are we doing here? What a real estate agents doing wrong?Yeah, so I mean, the way that I wrote the book is I broke it down into six different pillars, but the ones that are going to really buy back time, like obviously marketing is in there and but but the things that are gonna buy back time are your outs, your automation, your automation operations, outsourcing that side of it, and also the team and hiring aspect of it. And so many agents build teams the wrong way. And we've all been trained in like the same way from the very beginning where, you know, you become the bottleneck, and then you hire an assistant or you become the bottleneck and then you hire your first agent. And there's a step missing in there, because that training and that concept was developed in the 70s in the 80s We have this concept now, which is automation. Right? So Tim Ferriss teaches, you know, eliminate, automate, outsource, it's the perfect way of going about it, can it be eliminated, can it be automated and then last resort, can it be outsourced, there's so many agents out there, right now we're paying a full time salary $50,000 A year or $20, an hour, whatever you're paying to someone, for them to do repetitive tasks that a piece of software can do for $500 a year. And so not only is it time inefficient, but it's also money inefficient. So you know, a lot of what this book really is really geared towards is figuring out, what is it that you want? What do you want the business to look like? What do you want your life to look like? What do you want the day to day to look like? And how do we reverse engineer it? But there are certain principles that are going to show up no matter what, which the first one is a task? Got it? Because I think so many agents are misaligned, when it comes to Well, why would I pay someone $30? To do it when I can just do it? Well, it's because you're valuing money over time. And if you took that $30 An hour task, and you gave it to someone else paid someone $30 to do it, and you replaced it with $1,000 An hour task, then you're ahead. And for most people, what they don't realize is I can do an audit of their time, and look at the value assign an approximate value for the different tasks that they're doing on a day to day basis. And I can tell them how much money they're making.Interesting. So like, we don't put a value on our time. And that's really well said, and what do you say to someone, though, that's like, Hey, I'm just starting in real estate, I'm broke, I don't know where my next commission is going to be. I don't know, when I'm gonna get paid. I'm living a life of peaks and valleys. What do we say to them?You need to be consistent with your marketing. Because really, at the end of the day, like there are like you don't run a business if you don't have clients. So there's like, there's layers of this right. And and the people are asking me all the time right now is who Who is this book for? Is it for that seasoned agent? Who's going who's like, on their way to seven figures? Or is it for a new agent? And my answer is kind of both. And I'm not saying that because I want to sell more books, even though I want to sell more books? The answer is, is that someone who is at half a million, a million, you know, in that range, they're going to take very different things out of this book than a new agent? Well, sure, the new agent is going to look at the overall the overall, you know, strategies, and how not to make mistakes. Whereas the more seasoned agent, or the or the agent who is at a higher level is going to be reworking things that are not set up the way that they should be in their existing business. So it's kind of twofold. But usually what I'll say is like, you know, the marketing piece is going to be piece number one, because I think that in order for you to have a real sustainable business, it really has to it has to be marketing first. So the way that we have the book laid out, is pillar one is marketing. Pillar two is mindset. So it's how are you actually thinking about your business? Are you are you thinking about the business? Like from a, from like, the mindset of of a successful person? I think so often, what happens is we think of our businesses as small businesses, and so they remain small businesses. Right, so that we then we have clients and signature system, which actually creates better services better late, essentially, the product that you're selling, and I think that a lot of agents forget, and this is what you know, one of the things that I get quoted on most, you don't sell real estate, you sell services, and you consult on the sale of real estate. Yep. And so you your your product, which is your service package has to be dialed in and has to be has to be repeatable. So that becomes kind of that next step. Then we've got sales conversations or sales conversions, which is, you know, if you're you can be the best marketer in the world. If you can't get in front of someone and get that person to that next step. It doesn't matter what's going to what, like, it doesn't matter. Right. Are you actually good at getting someone to that next step?Let's stop it right there. back some of these things. Yeah. So first off MT non money making activities let me give you one all you guys trying to edit your own videos, to hire real estate marketing, dude, that is a complete waste of time and you're not going to be good at it. He didn't. He was just like, I'm not gonna do anything. That's why we have editors. But stop editing your own videos and hire me Okay, dammit. But that's true. You gotta get rid of all those tasks that can be beyond there. But you just said something. It's really important. You're right. We're not salespeople. We're service people. And you don't have a service though. If you don't have anything that is duplicatable and what people often don't ever think about in real estate at all is what is your process look like? Like what's your process to working with buyers and sellers? Do you have a consistent gift? Are there systems in place most people don't they run around with their head cut off and there is nothing duplicatable, which means you're just a salesperson chasing the check. And if you can't deliver that service that people remember you don't have a business like there's a reason like when you go into a hotel that the beds are all made the same way. Yeah, folded the same way. Right? Yeah. There's a reason when you go into a restaurant that the food tastes the same. Imagine going into like your favorite restaurant or McDonald's even McDonald's is giving me time to different Yeah, well, that's what happens in real estate. Like you got to have systems I used to have systems for everything I had. When I had a referral. I had a little card I'd send out those automated $10 gift card. I would have a nice to meet you. Thanks for closing gift was the same each and every time. When a clear to close came in the business I had a clear to close gift that I would send the people. I had systems and little customer service touches in a systemized way that we all duplicated. And you're right you can't run a business because you can't have a brand without something that's duplicatable. And what is duplicatable and your business does your process, people often overlook that. So I'm glad that you touched on that.There's a whole section on it on signature systems and how it is connected to each and every piece. If you don't have a really solid signature process or signature system, then you won't get as many repeats, you won't get any referrals, you won't actually handle as many clients, right? It's connected. And it usually becomes the bottleneck. I say to people all the time, if I dropped 100 deals on you what would happen? And they're like, oh, everything would fall apart. Yeah. And it's like, well, then we need we need systems, we need processes, and we need to make sure that everything in your business is repeatable.Yep, I like it. I like it. Alright, marketing, let's unpack that a little bit. What do you see, there's marketing. And then there's lead generation, there's a difference.100%. Right, I like to break it down. I like to break it down between lead generation, nurture, and then conversion. Because I think that all three of them are very, are three separate things. And when we do like I do this audit, sometimes with businesses where we look at the six different levers that you can pull to grow from a business growth perspective. And lead gen is literally just how many people are coming into your world. And almost 100% of the time when I talk to an agent, I'm like, what, like, what, like, where's the challenge in your business? I need more leads. I'm like, Do you need more leads? Or do you need more clients? Yes. And they're like, Well, isn't that the same thing? No, no, not necessarily. Right? And so the conversation happens, it's okay, so there's the lead gen part of it, which I'm kind of, of the mind that like, most people can generate leads. That's not the hardest part of it. Right?And you could, you know, you could buy him, you could generate them, you know,a lot of ways to bring them in. But the magic actually happens in the nurture and the conversion stages, which is how do you get someone and what we teach is the psychological journey from stranger to client. So you know, how do you get someone to touch and touch all of the points that they need to build that elusive know, like and trust, and to be able to have them become from a cold lead to an inbound client, for that person to be reaching out to you to say, hey, you know what, I'd like to have a conversation. I'd like to hear about what you like, I'd like to hear about your services. Yep. Know that that piece is your nurture piece. That's the piece that most agents don't have at all. They go straight from lead gen to I'm going to try to call and convert Yeah.100% There is no, this is all branding, guys. It's like your personal brand. Let me paint a picture for people. So we have this mortgage broker and I'm rebranding, this is funny, you guys will like this. And I'm rebranding him. And this is what he wants to start is very slim. He wants to get on video, right? He wants to go out and do video do a video but he doesn't like his brand, which means doesn't like his process or what he stands for. And his brand is like the mortgage planner. He's like, like, I'm not a mortgage planner at all, like at all. Like I don't I don't plan anything. I'm totally unorganized. Like it doesn't fit me and therefore he can't get out of here. That's what's holding him back. Yeah, so after you get to know me know, this guy's like he ends up being a Star Wars nerd. So we rebrand him made the rate be with you is his tagline now, right? And it's all like Star Wars and he calls himself the Rebel Alliance mortgage team. And now how we're gonna adapt that into his process is that he has everything done through a Star Wars theme. That's what people are gonna remember guys, even the way he communicates. So we're bouncing off ideas, and we're defining process and all that stuff right now. And you know, like, he Jabba the Hutt is gonna cut the fat out of the loan process, right? Like there's all kinds of different ways that you can go ahead and create that experience that we're talking about that people will actually remember. And like There's who are who are you going to remember more? And who are you going to refer more? Because your services marketing? Yeah. Right. Andthat's what the people most important part is important part. It'speople remember how you made them feel that's like, you know, we all hear that st all the time. This is how, like, no one will remember the guy that gets refinanced from Quicken Loans, but they're gonna remember the Star Wars Darth Vader refinance process forever. And there are a lot more, that's just how this you takethe edge off of it totally right, like money is stressful real estate is stressful. Yep. And the more streamlined it is, the more the more enjoyable it is. And the more people this is all about human to human connection people buy from humans. Yep. And so a lot of this comes down to you know, are you What does that psychological journey look like? Are you taking them from stranger to client in as much of an automated way as possible? And then is there consistency? Once you get in front of that person or someone on your team gets in front of that person? Are they going through all of this marketing, and then all of a sudden, they're like, this doesn't feel the same? Yeah, or this isn't what I thought that I was signing up for, or I met this person in real life. And like, I just didn't like them. Because their marketing did was not authentic to who they actually are.And know what that sort of reminds me of is like, when you show up to a restaurant and meet a client, you're like, that's not who I saw in the picture of your day.And real estate agents love that. Right? It's like the glamour shot from the agent. That's what we're known for. And, and I think that it all it all comes down to like video for one. Anybody who says to Me, I'm completely opposed to doing video. Well, I can't help you. Yeah, because really like how in today's day and age, how can you build human connection with someone if you can't see them on video?Yep. I agree. It's not longer optional. It's necessary.Yep. Yep. So So there's, there's, there's all of these pieces. Plus Lena, we teach the, we teach the social media stuff, which is like the you know how to do it without throwing a bunch of money behind it. And then we also teach the paid traffic part of it, which is, you know, how to how to do it at scale. And then, you know, there's, there's elements of the personal side of it. Sometimes people will say, I'm a very private person. And I'm like, you get to be very private, if you want. But we need to have personal elements. I don't need you to necessarily talk to me about like your childhood trauma. But I do need to have some personal elements about how much you love your dog. Yeah, right. Like I need.We don't we don't care about we don't care about your foot fetish. But we need to know that your family man, right,exactly, exactly. Like Like, what are your values? What matters to you, like, give us something to work with? You get to be incrediblyprivate, but just, I might turn some people off if I do that.Well, good. Good, because, you know, I wouldn't you rather have 1000 people who absolutely love you than 100,000 people who really don't care. Yeah, who could take or leave you? Right? And that's really what it comes down to.I agree. I like let's get back in the mindset, thing of it. I don't even mean we're sort of chatting through it. It's just how we're looking at our business. How does that? Yeah, you guys can see some of these ideas that we're we're just chatting here. You know, I mean, yeah, this is, but this is a stuff like what's cool about what I always like about real estate is that everyone's different, which means every single service should be different, but we don't see that. That's why like, I can call myself a dude. And I just started a team here. Give me a year from now, I'll be glad to report my numbers. But it's all marketing because I know there's no other real estate dudes in San Diego. It's a perfect market to launch it. Dude, Brandon is very coastal. Right? Yeah, so the dude process so that's what I'm working through right now is I'm putting together like systems and how to dude sell real estate. Yeah, cuz I'm not going to be the one selling real estate. But I have to create a process for agents to follow because none of them have one. ButI need to have consistency. And the scalability of your business is partially based on Is there a repeatable process? And if somebody comes in and works with Sally, well, your dude so like, maybe there's not a Sally on your team, but it's the same idea. We could have dude, okay, okay. Okay. So so someone works with Sally versus someone works with Mike, they need to have you know, the personality may not be exactly the same. The conversations may not be exactly the same, but the process needs to beYeah. Yep. Yeah. 100% I like it. Let's get into a little bit on the listing lab stuff because I know you concentrate a lot on listings, and that's like your, your core and bread and butter. Yeah, and I think like, like right now it's gonna be all listings, like the market shifted in 45 days. It's so crazy that people are like, just 60 days ago. Oh, yeah, real estate. So easy money, many, many, many, many offers. And then now everyone's like, holy shit, what just happened? Yeah, and people are scared. Right? You guys These are the best times to be in real estate these are when you take over Yeah, it's the best like this these are so this is when you double down on this shit.I have been talking for years about like the moment where all the people who shouldn't be selling real estate will get out. And I'm really hoping that this is the momentthat happened 10 years ago happens every 10 years that's a real estate cycle guysand the who are the people who are running real businesses and who are scaling real businesses and who are taking it seriously and treating it the way that it needs to be treated. Those are the people who are going to not only last but also thrive during this period of time. You know, we're coming from an 8020 rule to a 95 five rulethink it's gonna go that deep ah, I'm kind of hoping so. Yeah. Yeah, you guys when there's a shift, this is like the time that you get noticed like 100% We have a new product we just called listing or owner advocate and all it is is a seller process system. Right? We have five or six different ways we sell listings, like we you know, so we fix them this program, we have a trade in or buyer Move Up program, we have a sale leaseback program. And that's a process guys, the reason why we created as because it's a process that can be duplicatable, that sellers will remember, but each individual will treat it differently. Yeah. And it's okay to have a personal brand. But you also have to have that process.Yep. And it has to be customized to you to your market and to the people that you're trying to work with.What do you what are your predictions coming up with this market right now? What do you think's gonna happen? I'm curious, you have a lot of experience.What I what I think is going to happen with the market.What do you think sure going on?I really think that you know, it also depends on where I don't think that we're gonna see necessarily exactly the same trends right across North America. I think we're gonna see micro pockets. I think that I mean, even just look at the you live in California, the excess that has happened a little bit, right, a lot.There's a lot of people right now actually, that are trying to rush the list because they know they missed the wave, you're seeing listings popping up like crazy, there's no inventory. Now people are like, Oh, it's listless, listless list is becauseeveryone's going to Austin, Texas, or Nashville, or, you know. And so, you know, a lot of it is just going to come down to like those micro pockets. And the people who are really going to do the best are going to be the people who can interpret the data and not just regurgitate it. I think there's so many agents out there that are that are spewing out infographics that are taking something that their their brokerage provided them and throwing it out there as without any interpretation of the data without any information on what does this actually mean for you. And people don't understand it. And people don't understand what it means. And the more that we can actually set yourself up as the authority that can interpret the data that understands the data, and that has a process that can lead you through the process in this specific market is going to make a really big difference.How many people were just posting, I mean, just um, guys, this is only 6090 days ago, the markets never going to go down. It will never go down in percentages, this market is never going to crash or it's not going to crash, it's going to correct. And we will I mean, it's got to correct before it crashes. So we can't say it's not gonna crash? We don't know. But I don't think I don't I don't see. And I think you're right on with the pockets, because people are still going to be moving to Florida, Texas, and all those markets and that migration wave with what's happening, just because the cost of living costs everywhere going through the roof. So yeah, I totally agree with that. Interesting, what else you want to chat on? On this, Jess? What else what other insights you want to share with Damian?I think that the number one lesson that I'm hoping people are getting from the book is that we only get to do this once. And the number one regret, I dedicated the book to my mom, because I think that she really ingrain this in me from when I was very small. The number one regret for people at the end of their life is that they work too much. And that they didn't spend enough time with their friends and family that they didn't experience things. They didn't travel enough, whatever that looks like they didn't they spent too much time focused only on the earning of money. Now most agents will or you know, a lot of agents will grow to a certain point until they're quote unquote, successful, they're gonna do 250 $300,000. And they're gonna get stuck, because that becomes the bottleneck of the business. And it's actually the most painful place to be in your business because you are considered successful, but you're not successful enough that you actually have enough, I would say enough room to properly leverage and when you're not properly properly leveraged, you wear all the hats in your business, and the business relies on you getting up every day and putting one foot in front of the other. The idea of freedom or why people get into real estate in the first place is unlimited income. Being able to set your own schedule and being able to help people 99% of agents know ever hit all three of those, because they're actually not setting up their businesses with them in some of the ways that we've already talked about. So the reason I wrote this is because there are so many are, there's this huge generation of burnt out agents who are the, you know, the crushing it era, right? Tons and tons of burnt out agents and burnout, I think a lot of the time people misunderstand it. And they think, Oh, well, I'll just go on vacation for a week, burnout takes years to actually properly recover from. And so if you, you keep trying to push and you keep trying to move through, and keep doing things the same way that you've always done that done them, at some point, you become the thing that breaks, and you leave, you're either have to get out, or you have to you have to rejig the entire business, which is what this is all about. It's about setting up your business so that you have the trifecta of why we get into the business in the first place. And you can have that path out of production, if you want, you can have that, you know, multi seven figure business. And when I when I'm throwing numbers around like this, you do not have to be a genius to build a seven figure business, you just have to take the right steps, put the right processes in place. And then, you know, make sure that you're holding those boundaries really solidly, because there's a lot of people who build teams, and then they essentially become the personal assistant to everyone on the team, which is the opposite of what we're talking about. So it really just all comes down to what are you building? And why like, what's the end point? And have you actually reverse engineered every single thing in your business backwards from there?Yep. Yeah, I mean, you're on that person. Seven, five years ago, you know, I used your system. I didn't have quite a system I got out, I just quit. And I started over, which is where we're at today. So very well said, You guys get this book. Why don't you go ahead and tell them really quick again, about where they get it. And all your info, and then we'll get this wrapped up?Yeah, cool. So it's called more money less hustle. If you're watching a video of any sort, this is what it looks like. And becoming the seven figure real estate agent. It's available on amazon.ca and amazon.com. It's, you know, physical book and Kindle. Hopefully soon, I'm going to record the audio book in about 10 days. So that'll also be coming out in a couple of months. But yeah, I'm excited. I'm excited about it. And so far, the feedback has been amazing.Awesome. Well, thank you for sharing. Folks. This isn't always about selling houses. It's about running a business. You guys need help with that. Check out this book. Get it the call, just check out our other stuff. She's got a really cool service and listening labs and you guys can listen labs.com I believe is the website for that. But yeah, we appreciate guys watching another episode or listening to another episode of real estate marketing dude, check us out. Leave us some reviews, follow us on YouTube, Instagram, Facebook, and call me. Let us help you script and edit these videos. This isn't rocket science. We take all that grunt work out and she started teed me up for this because editing your own videos and distributing them and really creating content is a waste of your time. It's not a money making activity. And it is something that you should outsource to real estate marketing dude. If you guys are interested in that, please visit our website at real estate marketing do.com or estate marketing do.com And we'll see you guys next week. Thank you. Bye. Thank you for watching another episode of the real estate marketing dude podcast. If you need help with video or finding out what your brand is, visit our website at WWW dot real estate marketing dude.com We make branding and video content creation simple and do everything for you. So if you have any additional questions, visit the site, download the training, and then schedule time to speak with a dude and get you rolling in your local marketplace. Thanks for watching another episode of the podcast. We'll see you next time.

Brandon Mulrenin, founder and CEO of reverseselling.com has dedicated his life's work to the study of human behavior and communication.He began his sales career in the mortgage industry as a mortgage loan officer with Quicken Loans in Detroit. He worked his way up the corporate ladder to become the AVP of Quicken Loans' preferred real estate partner, Rocket Homes, formerly, In-House Realty.Brandon then decided to go out on his own and built his real estate sales business to the point where he was listing and selling over 100 homes a year with one assistant and one buyers agent. Brandon's success was quickly recognized as he awarded the #1 listing agent for Keller Williams Premier in 2014. It was during this time that Brandon began to train other real estate agents all over the world with his reverse selling system.

At age 22, Jonathon Haddad had become the youngest banker promoted to director at Quicken Loans. By 27, after helping build out their online chat service, Jonathon was promoted to Vice President. Now, at age 30, having transitioned from retail-to-wholesale over 2.5 years ago, Jonathon leads a team of 80 employees and is using his marketing and SEO expertise to bring in 250+ organic leads a month.  Jonathon admits that leaving Quicken was not all “rainbows and butterflies” but at the end of the day, they did what was best for business. Utilizing the AIME and Brokers Are Better platforms, Jonathon wants to share his expertise and leadership style with the entirety of the Wholesale Channel. Jonathon wants to give back to other brokers and believes this to be the ultimate opportunity to do so. He wants to teach those green to the industry that the broker space is the place to be and make sure that everyone knows that brokers are here to stay. WIth custom drip campaigns, proper data-tracking efforts and a $300,000 budget for his marketing team's salaries alone, Jonathon's major push is for the combination of marketing efforts and realtor referral relationships. His head of marketing, a former content creator for ESPN, the NFL, and the Superbowl, leads an 8-person team of videographers, editors, and SEO experts. Operating under the idea that “you don't know what you don't know,” Jonathon and his brokerage's marketing team welcome new realtor partners by offering to help them with any weaknesses in their marketing plans. Instead of just getting a cup of coffee with a realtor, Jonathon comes to the table with multiple marketing packets for different types of realtors and finds the best marketing plan to match each realtor's weaknesses.  Jonathon's greatest passion within the broker space is leadership. He is addicted to helping others and, in this podcast, shares advice for both fellow trainers and their trainees; Give more, expect less, and adjust your training style to fit the trainee, not the other way around. Provide visual, auditory, and hands-on training, and do your best to give everything you can to every employee, realtor, and homeowner. Knowing guidelines and how to close loans is simply the barrier to entry into this industry. If you don't go above and beyond to set yourself apart you're going to fall behind. You have to show up each and every day expecting roadblocks and speed bumps, so don't just prepare, but embrace these hardships. “My life has not been easy, it does not matter,” Jonathon shares. Independent originators have options. They have full control of their destiny. That's what makes brokers better.  NOTES: (2:20) Introduction to the Wholesale Channel(6:00) Transitioning from Retail-To-Wholesale(10:01) Developing Realtor Relationships Through Marketing(23:50) Leadership & Training Style(33:57) Parting Advice This Episode Is Sponsored By Mobility Market Intelligence (MMI)

Ben Newman is a highly regarded Performance Coach, International Speaker, and Best-Selling author. His clients include Fortune 500 companies worldwide, business executives, sales organizations, and professional athletes in the NFL, PGA, NBA, MLB, UFC, and NCAA. Newman is the author of the #1 Wall Street Journal and USA Today Best-Seller, UNCOMMON Leadership. Ben serves as the Mental Conditioning Coach for the 18-time National Champion Alabama Crimson Tide football team and has worked with players from the last four Super Bowl Champion teams. He was recently selected by influencive.com as one of the Top 10 Motivators in Sports, and Real Leaders Magazine selected him as one of their 2019, 2020, and 2022 Top 50 Speakers globally. Newman's clients have included: Microsoft, United States Army, Anheuser-Busch InBev, Quicken Loans, Miami Dolphins, MARS Snackfoods, Kansas State Football, St. Louis Cardinals, North Dakota State Bison Football, Northwestern Mutual, Minnesota Vikings, New York Life, University of Iowa, and Wells Fargo Advisors, Boston Medical Center, Missouri Tigers basketball…as well as thousands of executives, entrepreneurs, athletes and sales teams from around the globe. Ben's authentic, powerful, and engaging storytelling has become internationally recognized. He has shared the stage with Jerry Rice, Ray Lewis, Tony Dungy, Colin Powell, Brian Tracey, Ed Mylett, Jackie Joyner-Kersee, Jon Gordon, Dr. Jason Selk, and Tim Grover, Aeneas Williams, Eric Thomas, and other leaders and legends in the world. Ben lives in his hometown of St. Louis, Missouri, with the true measure of his success, his wife, Ami, and their children, J. Isaac and Kennedy Rose. You can follow Ben on Instagram and Twitter at @ContinuedFight You can learn more at www.BenNewman.net Listen to The Burn Podcast everywhere you listen to your favorite podcasts.

Ben Newman is a highly regarded Performance Coach, International Speaker and Best-Selling Author, whose clients include Fortune 500 companies around the world, business executives, sales organizations and professional athletes in the NFL, PGA, NBA, MLB, UFC and NCAA. Newman is the #1 Wall Street Journal and USA Today Bestselling author of UNCOMMON Leadership. Ben serves as a Mental Conditioning Coach for the 18-time National Champion Alabama Crimson Tide football team and has worked with players from the last 4 Super Bowl Champion teams. He was recently selected by Influencive.com as one of the TOP 10 Motivators in Sports and Real Leaders Magazine selected him as one of their 2019, 2020, and 2022 TOP 50 Speakers in the World. Through the adversities of Covid19, Ben's BNC Speakers and Coaching groups have had a tremendous impact on organizations finding alternative ways to drive growth. Newman's clients have included: Microsoft, United States Army, Anheuser-Busch InBev, Quicken Loans, Miami Dolphins, MARS Snackfoods, Kansas State Football, St. Louis Cardinals, North Dakota State Bison Football, Northwestern Mutual, AFA Singapore, Mass Financial Group, Wells Fargo Advisors, Great West Life Canada, Boston Medical Center, Boys & Girls Club of America, St. Croix, Missouri Tigers Basketball, New York Life, The University of Iowa and The Minnesota Vikings…as well as thousands of executives, entrepreneurs, athletes and sales teams from around the globe. Ben's authentic, powerful, and engaging storytelling has become internationally recognized and he has shared the stage with Jerry Rice, Ray Lewis, Tony Dungy, Colin Powell, Brian Tracy, Ken Blanchard, Jon Gordon, Dr. Jason Selk, Floyd Little, Aeneas Williams, Walt Jocketty and other leaders and legends in the world. Ben lives in his hometown of St. Louis, Missouri with the true measure of his success, his wife, Ami, and their children, J. Isaac and Kennedy Rose. Get in touch with Ben: https://www.bennewmancoaching.com/

This week, The Bois visit Vegas to pay off Levi's debt to his loan sharks. But Brad and Levi's terrible luck and Keenan's gambling addiction prove to be powerful adversaries. Plus, all is revealed about Quicken Loans when he gives his tragic backstory. Will Levi finally be able to fully come back from the dead? Listen to find out!

In this episode of Leads To Growth, Chris interviews the CEO of the National Association of Sales Professionals, Rod Hairston.   He shares stories and lessons of his successful career with the Navy, Tony Robbins, Quicken Loans to where he finds himself today.  Rod is currently CEO of all his Trusum companies including NASP, Envision-U, Growth-U and Musich Hill Ranch. He shares how his career took off when he was able to flip a 20% downturn in leads into a 30% upswing in deals in 90 days at Quicken Loans.  That's more than a 50% increase in revenue!  Rod acquired NASP moving on advice from his partner at the time, Dan Gilbert and turned that same training methodology into the certifications we have today.  Styles and skills change but mindset will always prevail and Rod is one of the best in the world at creating a growth mindset and growth culture. For more content like this, Join the National Association of Sales Professionals for Free Today! Click Here

While it would be true to say that Billy Hurley III’s win on the PGA Tour put him on a very short list of winners at the highest level of golf from the capital region, that fact is hardly what makes that win & his career so unique.  Having served 5 years in active service […]

While it would be true to say that Billy Hurley III’s win on the PGA Tour put him on a very short list of winners at the highest level of golf from the capital region, that fact is hardly what makes that win & his career so unique.  Having served 5 years in active service […]

Chrystal “Chryssy” Robinson is a Brand Strategist with over eight years of experience in helping small business owners strategize their business operations and grow their online presence. She is recognized and known for her expertise in building and executing strategic content and marketing plans that get RESULTS! Chrystal is a proud alumnus of Eastern Michigan University, where she received a Bachelor's degree in Business Management and a Bachelor's degree in Computer Information Systems. Following graduation, Chrystal began her career at Quicken Loans as a Business Analyst in Technology where she learned insider secrets on product development and project management. Today, Chryssy partners with entrepreneurs to reach their ideal target market through designing an online experience that increases their bottom line. Connect with Chryssy: Website: https://www.koloraddikt.com/ Instagram: https://www.instagram.com/koloraddikt/ Chryssy's Links: https://www.koloraddikt.com/lifeinkolor +++++ Subscribe to the Podcast! ▶︎ PODCAST | https://bit.ly/3bU6D3l Please Follow & Connect with me! Link's Below ▶︎ WEBSITE | https://tyzerevans.com ▶︎ YOUTUBE | https://youtube.com/c/tyzerevans ▶︎ INSTAGRAM | https://instagram.com/tyzerevans ▶︎ FACEBOOK | https://facebook.com/grindsellelevate ▶︎ LINKEDIN | https://linkedin.com/in/tyzerevans ▶︎ TWITTER | https://twitter.com/tyzerevans ▶︎ TIKTOK | https://tiktok.com/tyzerevans ▶︎ PATREON | https://patreon.com/tyzerevans Check out Tyzer's other podcast "The Book Legion" at https://thebooklegion.com

The Real Estate News Brief - Week Ending March 26, 2022Fed's Next Rate Hike, Mortgage Rate Surge, Pet Who Sell HomesIn this Real Estate News Brief for the week ending March 26th, 2022... the Fed's next rate hike, the latest surge in mortgage rates, and why pets might help sell homes.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review.Economic NewsWe begin with economic news from this past week. The Federal Reserve is ramping up for bigger rate hikes. Fed policymakers are saying that inflation is much too high, and that more aggressive action may be needed, including a 50 basis point rate hike in May. San Francisco Fed President Mary Daly said at an event last week: “With the labor market so strong, inflation, inflation, inflation is at the top of everyone's mind.” Fed Chief Jerome Powell also said the central bank may start reducing its $9 trillion balance sheet in May. The Fed's portfolio mushroomed in size with the purchase of Treasuries and mortgage-backed securities during the pandemic. (1) Unemployment applications have hit their lowest level since 1969. They were 28,000 lower last week than the week before for a total of just 187,000 initial claims. The number of people already getting benefits was also much lower. It was 67,000 lower for a total of 1.35 million claims. As reported by MarketWatch, that's the lowest level since the 1970's. (2)New home sales were down in February, despite higher inventory numbers. They were down 2% to an annual rate of 772,000. If you compare this February to a year ago, sales were down 6% while the supply of new homes increased to 6.3 months. That's the highest since 2008. So what's happening? Prices are getting too high for many first-time buyers. The average sales price for a new home that was sold in February was $511,000 while the median was $400,600. Realtor.com's chief economist Danielle Hale says: “A new home is not an option for many first-time homebuyers even before the impact of higher mortgage rates is considered.” (3) Pending home sales were also down in February. They were down 4.1% according to the National Association of Realtors thanks to lack of affordable inventory and rising mortgage rates. Realtor.com economist researcher, George Ratiu, says: “With mortgage rates moving toward 5%, we are seeing early signs of a shift in housing fundamentals, as many people looking for a home have hit a ceiling on their ability to afford one.” (4)Consumers don't see their economic situation improving much in the next year. The University of Michigan consumer sentiment index fell slightly to 59.4 which is close to an 11-year low. Americans are worried about Inflation and the war in Ukraine, although they are feeling confident about finding a job. (5)Mortgage RatesMortgage rates surged higher this last week. Freddie Mac says the average 30-year fixed-rate mortgage rose 26 basis points, to 4.42%. The 15-year was up 24 basis points to 3.63%. (6)In other news making headlines...Rents Taking Larger Share of PaychecksRenters are spending more of their paychecks on rent. According to the most recent rent report by realtor.com, Americans are generally spending 30% of their paychecks on rent, and in 14 out of 50 metros tracked, they are spending more. Realtor.com's chief economist, Danielle Hale says: “The general rule of thumb is to keep monthly housing costs to less than 30% of your income.” Anything above that, economists considered a debt-burden for households. (7)High rents are motivating some renters to become home-buyers, but high home prices and rising mortgage rates along with a lack of inventory is forcing many to keep renting.Homebuyers On the MoveThe number of people moving from one state to another is hitting a new high. Redfin.com says that 32.3% of its users planned to relocate during the first two months of the year. That's up from 26% in 2019. The data was pulled from a sample of about 2 million Redfin.com users who searched for homes in 111 metros, and looked at a minimum of 10 homes in specific areas. (8)Redfin says there are more people leaving the more expensive coastal areas for more affordable inland areas. The research also shows that people are looking to move to warmer locations. Miami, Phoenix, and Tampa have been attracting the most attention. Pets Help Sellers Sell HomesIf you are selling a home, you don't have to hide your pet. A new study from Quicken Loans shows that buyers are more than open to buying a home that has had pet living there. (9) 79% of the respondents said that seeing signs of a pet won't discourage them. Almost 20% said that it might even increase their desire to buy a particular home, so long as there aren't any visible signs of pet damage. Only about 1 in 10 said they might regret buying a home with a barking dog next door. That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review!You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more. Thanks for listening. I'm Kathy Fettke...Show Notes link: https://www.newsforinvestors.comJoin link: https://join.realwealth.com/?utm_content=Real%20Estate%20News%20Podcast&utm_campaign=Join%20for%20Free&utm_term=Description%20Text%20LinkSubscribe link: https://podcasts.apple.com/us/podcast/real-estate-news-real-estate-investing-podcast/id1079952715 Links:1 - https://www.reuters.com/article/usa-fed-mester/fed-policymakers-march-toward-bigger-rate-hike-in-may-iduskcn2lk1ik2 - https://www.marketwatch.com/story/u-s-jobless-claims-fall-to-lowest-level-since-1969-11648125485?mod=bnbh_mwarticle3 - https://www.marketwatch.com/story/new-home-sales-slide-even-though-the-inventory-of-properties-for-sale-has-hit-the-highest-level-since-2008-11648044987?mod=economy-politics4 - https://www.marketwatch.com/story/pending-home-sales-decline-for-fourth-consecutive-month-underscoring-down-shift-in-housing-market-11648217352?mod=economic-report5 - https://www.marketwatch.com/story/high-u-s-inflation-leaves-consumer-sentiment-stuck-at-almost-11-year-low-11648217381?mod=economy-politics6 - https://www.freddiemac.com/pmms7 - https://magazine.realtor/daily-news/2022/03/23/rents-taking-a-bigger-bite-out-of-pay8 - https://magazine.realtor/daily-news/2022/03/24/buyers-moving-states-in-record-numbers9 - https://magazine.realtor/daily-news/2022/03/23/pets-may-attract-buyers-to-homes