Podcasts about Republic Wireless

In this episode Alan asks serial entrepreneur Henry Kaestner about his business journey and how he started a movement of God-honoring entrepreneurs across the world. Expect to be challenged and inspired in this one! If you are an entrepreneur make sure to check out the Faith Driven Entrepreneur book or their groups across the country   About Henry Kaestner Henry Kaestner co-founded the Faith Driven Entrepreneur and Faith Driven Investor ministries, and has been a catalyst behind both movements. He and his team seek to serve faith driven entrepreneurs, investors, funds, partners, and advisors through content, community, and connections. Henry is also a Co-Founder and Partner at Sovereign's Capital, a private equity and venture capital management company that invests in faith driven entrepreneurs in Southeast Asia and the U.S. from its offices in Silicon Valley, Durham, Nashville, Chattanooga, Atlanta, and Jakarta, Indonesia. Prior to co-founding Sovereign's Capital, Henry was Co-founder and previous CEO, and then Chairman, of Bandwidth (NASDAQ:BAND) and its sister company, Republic Wireless (which spun out of Bandwidth in 2016). Together the companies have grown from $0 to more than $600 million in revenue. The founding values of Bandwidth are: Faith, Family, Work and Fitness (in that order). Prior to co-founding Bandwidth.com with David Morken, Henry founded Chapel Hill Brokers (a predecessor to ICAP Energy), an institutional energy derivatives broker that became the top ranked electricity broker in the country. Henry has been involved in a number of other ministries and philanthropic activities. He co-founded DurhamCares, was a founding Board Member of Praxis, and sits on a variety of business and ministry boards including Valley Christian Schools where his 3 boys attend. Go Warriors! Henry is a member of the broader Church in the Bay Area, attends Venture Christian Church in Los Gatos, CA and serves as an elder in the Presbyterian Church of America. Henry lives in Los Gatos with his wife Kimberley and their three sons. Connect with Henry LinkedIn Twitter Faith Driven Entrepreneur Podcast

Brian Dally is no stranger to the proptech ecosystem. Brian Co-founded Groundfloor just over 10 years ago, and is still driving the company at an aggressive growth rate. Groundfloor has achieved Inc 5000 recognition four times as being one of the fastest growing private companies in the US. In this interview with Brian, we cover the specifics of the Groundfloor product—a fintech/proptech solution enabling investors (both accredited and non-accredited) to invest in real estate debt. Groundfloor promotes investors have seen a consistent 10% annualized returns on its short-terms offers. We also discuss the challenges of operating a business like this with the many changes the real estate industry has seen over the last 10 years. One thing I find when talking to more seasoned veterans like Brian, is that sometimes the more things change the more they stay the same. Maybe you'll hear that theme in here too. Listen in! More about Brian and GroundfloorCelebrating its 10th anniversary in 2023, Groundfloor is an award-winning fintech company that offers the ease of savings with the real returns of investing. Known for its regulatory prowess and developing completely new financial products for individual investors, the company was the very first to be qualified to offer direct real estate debt investments for both accredited and non-accredited audiences alike. The company has won numerous awards for its product innovation and growth, including four years in a row of being on the Inc. 5000 List. Since it launched in 2013, Groundfloor's investors have consistently seen 10% annualized returns across its short-term investment offerings. For more information or to get started investing fractionally in real estate, visit Groundfloor.com.  Over a 25-year entrepreneurial career that spans IP communications, wireless telecom, and finance, Brian Dally has pushed the boundaries of how disruptive Internet technologies can be applied to solve large-scale consumer problems and distribute the value to all.As the co-founder and CEO of Groundfloor, a wealthtech platform that allows everyone to build wealth through real estate, Brian has helped make private capital markets radically more accessible to new participants. Under his leadership, Groundfloor became the first company qualified by the SEC to offer direct real estate debt investments via Regulation A to non-accredited investors and accredited investors alike. In 2020, Groundfloor made its debut onto Inc. Magazine's prestigious list of the 5,000 fastest growing private companies in America, and was recognized in the top 10 percent of all honorees as well as being the fastest-growing financial services company in its home state of Georgia. It's now been on the Inc 5000 list four years in a row. Brian has also been recognized for his entrepreneurial leadership by many organizations.Before co-founding Groundfloor in 2013, Brian's career building disruptive technology startups included stints in Silicon Valley, Boston, London and the North Carolina Triangle region. Previously, he led the launch of Republic Wireless to take on the big four cellphone carriers to international acclaim. As a result, millions more Americans can now afford a smartphone. Brian has a JD from Harvard Law School, an MBA from Harvard Business School, and a BA with Highest Distinction from the University of Virginia. A native of Detroit who lived near Boston during childhood, Brian currently resides with his partner Ashley in Atlanta and Telluride, CO, where he still avidly roots for the Red Sox (but never the Patriots). Follow Brian on Twitter Connect with Brian on LinkedIn Follow Groundfloor on Twitter Check out Groundfloor

Time for a Friday Flight- our sampling of the week's financial news and what it means for your personal finances. There are a lot of headlines out there, but we boil them down to specific takeaways that will allow you to kick off the weekend informed and help you to get ahead with your money. In this episode we explain some relevant and helpful stories like: free figs, asking for a discount, signing up for SAVE, sneaky buy-now-pay-later loans, septennial car loans, pricey public water works, lousy landlines, crowdfunding kerfuffles, America's credit downgrade, & pouring one out for Republic Wireless.   Want more How To Money in your life? Here are some additional ways to get ahead with your personal finances: Knowing your ‘money gear' is a crucial part of your personal finance journey. Start here.  Sign up for the weekly HTM newsletter. It's fun, free, & practical. Join a thriving community of fellow money in the HTM Facebook group. Find the best credit card for you with our new credit card tool! Massively reduce your cell phone bill each month by switching to a discount provider like Mint Mobile.   And please help us to spread the word by letting friends and family know about How to Money! Hit the share button, subscribe if you're not already a regular listener, and give us a quick review in Apple Podcasts or wherever you get your podcasts. Help us to change the conversation around personal finance and get more people doing smart things with their money. Have an awesome weekend!   Best friends out!See omnystudio.com/listener for privacy information.

Welcome to the "Secrets of #Fail," a new pod storm series hosted by Matt Brown. In this series of 2023, Matt dives deep into the world of failures and lessons learned along the way from high-net-worth individuals.  Join Matt as he dives into the world of failures and lessons.Series: Secret of #FailBrian Dally is Co-Founder & CEO at GROUNDFLOOR. He is responsible for marketing as well as setting long term direction and goals for the company. Brian's 15 year career building disruptive technology startups spans stints in Silicon Valley, Boston, London and the North Carolina Triangle region. Previously, he led the launch of Republic Wireless to take on the big four cellphone carriers to international acclaim. As a result, millions more Americans can now afford a smartphone.Get an interview on the Matt Brown Show: www.mattbrownshow.comSupport the show

In this episode, Jeff, Jeff, Alan, and Henry discuss: Building businesses with thriving employees in a faith-driven movement. Living your faith without playing small in business and investment.Being fully activated in faith and with God. Bringing the right people along with you on the journey.   Key Takeaways: One of the greatest things you can do is provide someone with a job where they can thrive, innovate, and discover the joy of generosity. Funds can grow incredibly quickly when built on Biblical principles and help other like-minded businesses thrive. If your children know your faith story, they will better understand God's glory and understand their Savior and be able to build their own faith story. Lean into the joy of generosity and doing so in the community. Living God's truth and God's way is not done by the sole individual.   "Business can be run really well, not at the expensive of Biblical values, but because of them." —  Henry Kaestner About Henry Kaestner: Henry Kaestner co-founded the Faith Driven Entrepreneur and Faith Driven Investor ministries, and has been a catalyst behind both movements. He and his team seek to serve faith-driven entrepreneurs, investors, funds, partners, and advisors through content, community, and connections.Henry is also a Co-Founder and Partner at Sovereign's Capital, a private equity and venture capital management company that invests in faith-driven entrepreneurs in Southeast Asia and the U.S. from its offices in Silicon Valley, Durham, Nashville, Chattanooga, Atlanta, and Jakarta, Indonesia. Prior to co-founding Sovereign's Capital, Henry was Co-founder and previous CEO, and then Chairman, of Bandwidth (NASDAQ:BAND) and its sister company, Republic Wireless (which spun out of Bandwidth in 2016). Together the companies have grown from $0 to more than $600 million in revenue. The founding values of Bandwidth are: Faith, Family, Work, and Fitness (in that order). Prior to co-founding Bandwidth.com with David Morken, Henry founded Chapel Hill Brokers (a predecessor to ICAP Energy), an institutional energy derivatives broker that became the top-ranked electricity broker in the country.Henry has been involved in a number of other ministries and philanthropic activities. He co-founded DurhamCares, was a founding Board Member of Praxis, and sits on a variety of business and ministry boards including Valley Christian Schools where his 3 boys attend. Go Warriors!Henry is a member of the broader Church in the Bay Area, attends Venture Christian Church in Los Gatos, CA, and serves as an elder in the Presbyterian Church of America. Henry lives in Los Gatos with his wife Kimberley and their three sons. Connect with Henry Kaestner:Website: https://www.faithdrivenentrepreneur.org/Website: https://www.faithdriveninvestor.org/ LinkedIn: https://www.linkedin.com/in/hkaestner/Twitter: https://twitter.com/henrykaestner  Connect with Jeff Thomas: Website: https://www.arkosglobal.com/Book: https://www.arkosglobal.com/trading-upEmail: jeff.thomas@arkosglobal.comTwitter: https://twitter.com/ArkosGlobalAdv Facebook: https://www.facebook.com/arkosglobal/LinkedIn: https://www.linkedin.com/company/arkosglobaladvisorsInstagram: https://www.instagram.com/arkosglobaladvisors/

Henry Kaestner cofounded the Faith Driven Entrepreneur and Faith Driven Investor ministries, and has been a catalyst behind both movements. He and his team seek to serve faith-driven investors, funds, partners, advisors, and entrepreneurs through content and community.  Henry is also a co-founder and partner at Sovereign's Capital, a private equity and venture capital management company that invests in faith-driven entrepreneurs in Southeast Asia and the United States from its offices in Silicon Valley; Washington, DC; and Jakarta, Indonesia. Prior to cofounding Sovereign's Capital, Henry was cofounder, CEO, and then chairman of Bandwidth (NASDAQ: BAND) and its sister company, Republic Wireless (which spun out of Bandwidth in 2016). Together, those companies have grown from $0 to more than $400 million in revenue. The founding values of Bandwidth are faith, family, work, and fitness (in that order). Prior to cofounding Bandwidth with David Morken, Henry founded Chapel Hill Brokers (a predecessor to ICAP Energy), an institutional energy derivatives broker that became the top-ranked electricity broker in the country. Henry has been involved in a number of other ministries and philanthropic activities. He cofounded DurhamCares, was a founding board member of Praxis, and sits on a variety of business and ministry boards, including Valley Christian Schools, where his three boys attend.  Henry is a member of the broader church in the Bay Area, attends Venture Christian Church in Los Gatos, California, and serves as an elder in the Presbyterian Church in America. Henry lives in Los Gatos with his wife, Kimberley, and their three sons. You can follow his work at https://www.faithdrivenentrepreneur.org/ and follow his adventures on LinkedIn at https://www.linkedin.com/in/hkaestner/ and buy his books online.  

If you're in the market for a new wireless service provider or new phone, you may want to check out what Republic Wireless has in store. Here, we help pick out some of the best phones for a variety of consumer types.Entry-level: Samsung Galaxy A13Mid-Range: Samsung Galaxy A53Flagship: Samsung Galaxy S22Productivity: Motorola Moto G Stylus

There are plenty of options when it comes to wireless service providers in the United States. Known as Mobile Virtual Network Operators (MVNOs), many of these carriers offer excellent solutions and packages, often at a lower price point than the big players.  Here, Scott and Luke talk about one in particular, Republic Wireless. For better or worse, these are seven things you should know about the provider.

How do you honor the Lord with your decisions when there is no cash for payroll? Christian business owners face this type of decision regularly and in this episode of True North Business, Bobby Albert talks with Henry Kaestner who faced this and other ethical dilemmas on the way to becoming one of the fastest growing businesses in the country. Near the end of this episode, my guest mentions a free offer for you. The link to follow is: https://glose.com/o/faith-driven-entrepreneur-entrepreneurs About my guest: Henry Kaestner co-founded the Faith Driven Entrepreneur and Faith Driven Investor ministries, and has been a catalyst behind both movements. He and his team seek to serve faith driven investors, funds, partners, advisors, and entrepreneurs through content, community, and connections. Henry is also a Co-Founder and Partner at Sovereign's Capital, a private equity and venture capital management company that invests in faith driven entrepreneurs in Southeast Asia and the US from its offices in Silicon Valley, Washington DC and Jakarta, Indonesia. Prior to co-founding Sovereign's Capital, Henry was Co-founder and previous CEO, and then Chairman, of Bandwidth (NASDAQ:BAND) and its sister company, Republic Wireless (which spun out of Bandwidth in 2016). Together the companies have grown from $0 to more than $400 million in revenue. About the host: Following a successful career as CEO, Bobby sold his business to a publicly-traded company.  In what he calls his "second half of life", Bobby seeks to pour Biblically-based principles into growth-minded business leaders.   Through Values-Driven Leadership, Bobby serves as an Executive Coach and Training Consultant for organizations.  He shares many of his principles and practices through a weekly blog, the True North Business podcast, and through three books he has authored: Principled Profits: Outward Success Is an Inside Job, True North Business: A Leader's Guide to Extraordinary Growth and Impact, and The Freedom Paradox: Is Unbridled Freedom Dividing America?   Find out more at BobbyAlbert.com

This bonus episode of the podcast brings us the insight of Henry Kaestner. Based in the Bay Area of California, Henry is the Co-Founder of the Faith Driven Entrepreneur and Faith Driven Investor ministries, and together with his team seeks to serve faith driven investors, funders, partners, advisors, and entrepreneurs through content and community. Henry is also a Co-Founder and Partner at Sovereign's Capital, a private equity and venture capital management company that invests in faith driven entrepreneurs in South East Asia and the US. Prior to this, he was instrumental in the establishment of NASDAQ company Bandwidth and its sister company, Republic Wireless, which share the founding values of Faith, Family, Work and Fitness (in that order). Henry has been involved in a number of other ministries and philanthropic activities including DurhamCares and Praxis, and sits on a variety of business and ministry boards (including the board of Generosity Path). So he is the ideal podcast guest to join J.Paul and Daryl in conversation about entrepreneurial generosity, as we round off Season 3.

As the co-founder and CEO of GROUNDFLOOR, a wealthtech platform that allows everyone to build wealth through real estate, Brian has helped make private capital markets radically more accessible to new participants. Under his leadership, GROUNDFLOOR became the first company qualified by the SEC to offer direct real estate debt investments via Regulation A to non-accredited investors and accredited investors alike. In 2020, GROUNDFLOOR made its debut onto Inc. Magazine's prestigious list of the 5,000 fastest growing private companies in America, and was recognized in the top 10 percent of all honorees as well as being the fastest-growing financial services company in its home state of Georgia. Brian has also been recognized for his entrepreneurial leadership by many organizations. Before co-founding GROUNDFLOOR in 2013, Brian's career building disruptive technology startups included stints in Silicon Valley, Boston, London and the North Carolina Triangle region. Previously, he led the launch of Republic Wireless to take on the big four cellphone carriers to international acclaim. As a result, millions more Americans can now afford a smartphone. To learn more about or connect with Brian, visit groundfloor.com We hope you were able to take some value away from todays episode. To learn more or connect with Danté or DJ visit victorycapgroup.com

Can parents pursue financial independence with kids at home? Today we'll go over the five biggest myths and show how to enjoy parenthood and FI! Are Financial Independence and Parenthood Compatible? Even before we were familiar with the term financial independence, we were intrigued about this idea of gaining flexibility and freedom. When we were first married, we had two immediate financial goals – getting rid of the car loan and building our emergency fund. Our car payment wasn't a huge burden, but seeing that money going out month after month..ugh.. Not having that weighing our budget down was one benefit, but then there was also this what if. What if we used that money for things we actually enjoyed and really wanted – travel, a house, or starting a business? So I started digging into personal finance blogs and found books like Total Money Makeover, Automatic Millionaire, and The Money Book for the Young, Fabulous & Broke. Taking what I learned, we came up with a plan to pay off our debts and grow our financial cushion. Don't get me wrong, seeing our net worth go from negative $30,000 to the positive side felt great. The real pull for us, though, was not how much money we can stash away or how fast we can hit. We loved being in a position of having options. Like leaving a bad job. Becoming an entrepreneur. During this time, we discovered financial independence, with that classic book – Your Money or Your Life. There are some wonderful benefits with discovering the FI community. Many in the space love swapping ideas about what's worked for them. Hopefully like you're doing now, we listened to stories and picked a few ideas to try out. Some worked really well, some needed to be adjusted for our circumstances, and some didn't work. Either our situation was too different or honestly, we didn't enjoy it. The ones that didn't resonate with us usually came from this segment in the community who had very specific ideas about financial independence. Both with what it was and what it wasn't. One complaint I kept seeing was how hard or in some cases impossible for parents to hit FI. I believe that belief is not just discouraging to parents, but really misses the actual resource financial independence is about – time.   Finances are the tool to help you get there, not the goal. We were more focused on quality of life and having options. So today I want to wrap up this series of episodes before our summer break and discuss how you as a parent can work towards your FI goals while enjoying the journey with your kids. In this episode, we'll get into the five biggest myths around financial independence and parenthood. Are you ready? Get Your Free Love & Money Guide Learn the ice breakers and conversation starters to make talking about money easier!   Join our community to get the free toolkit and newsletter! Get Instant Access We never share your information with third parties and will protect it in accordance with our Privacy Policy Let's get started! Resources for Parents to Pursue Financial Independence If you're looking to get ahead with your finances as a family, here are some resources to check out! Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Free 401(k) Analysis: blooom Jumpstart Your Marriage and Your Money Retire Early By Rethinking Your Priorities Setting Up Your Retirement with the Right Tools The Shockingly Simple Math Behind Early Retirement The New Family Financial Road Map Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today. We've been Coastal members for a few years have been happy with their services. They have wonderful services and accounts to make saving easier including their competitive money market accounts! Slash Your Phone Bill with Republic Wireless! If you're looking to hit your family's financial goals faster, optimizing your expenses is the way to go. Chances are you're paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.  

Can parents pursue financial independence with kids at home? Today we'll go over the five biggest myths and show how to enjoy parenthood and FI! Are Financial Independence and Parenthood Compatible? Even before we were familiar with the term financial independence, we were intrigued about this idea of gaining flexibility and freedom. When we were first married, we had two immediate financial goals – getting rid of the car loan and building our emergency fund. Our car payment wasn't a huge burden, but seeing that money going out month after month..ugh.. Not having that weighing our budget down was one benefit, but then there was also this what if. What if we used that money for things we actually enjoyed and really wanted – travel, a house, or starting a business? So I started digging into personal finance blogs and found books like Total Money Makeover, Automatic Millionaire, and The Money Book for the Young, Fabulous & Broke. Taking what I learned, we came up with a plan to pay off our debts and grow our financial cushion. Don't get me wrong, seeing our net worth go from negative $30,000 to the positive side felt great. The real pull for us, though, was not how much money we can stash away or how fast we can hit. We loved being in a position of having options. Like leaving a bad job. Becoming an entrepreneur. During this time, we discovered financial independence, with that classic book – Your Money or Your Life. There are some wonderful benefits with discovering the FI community. Many in the space love swapping ideas about what's worked for them. Hopefully like you're doing now, we listened to stories and picked a few ideas to try out. Some worked really well, some needed to be adjusted for our circumstances, and some didn't work. Either our situation was too different or honestly, we didn't enjoy it. The ones that didn't resonate with us usually came from this segment in the community who had very specific ideas about financial independence. Both with what it was and what it wasn't. One complaint I kept seeing was how hard or in some cases impossible for parents to hit FI. I believe that belief is not just discouraging to parents, but really misses the actual resource financial independence is about – time.   Finances are the tool to help you get there, not the goal. We were more focused on quality of life and having options. So today I want to wrap up this series of episodes before our summer break and discuss how you as a parent can work towards your FI goals while enjoying the journey with your kids. In this episode, we'll get into the five biggest myths around financial independence and parenthood. Are you ready? Let's get started! Resources for Parents to Pursue Financial Independence If you're looking to get ahead with your finances as a family, here are some resources to check out! Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Free 401(k) Analysis: blooom Jumpstart Your Marriage and Your Money Retire Early By Rethinking Your Priorities Setting Up Your Retirement with the Right Tools The Shockingly Simple Math Behind Early Retirement The New Family Financial Road Map Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today. We've been Coastal members for a few years have been happy with their services. They have wonderful services and accounts to make saving easier including their competitive money market accounts! Slash Your Phone Bill with Republic Wireless! If you're looking to hit your family's financial goals faster, optimizing your expenses is the way to go. Chances are you're paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.  

Expecting a raise or bonus soon? Learn how to make the most out of any extra money you have coming in! Couple's Guide to Optimizing Your Raise or Bonus Even though I do believe that diversifying your income is a smart money move, let's not ignore the most common one that most people have – your nine to five job. This is a steady paycheck for work that you hopefully enjoy. Besides the paycheck, things like benefits can be a huge plus for you. Depending on where you work, you could also receive bonuses and if things are looking good, raises. Okay. So you may be getting a raise because you switched jobs and companies still.…. Even if neither of those is the case, you two could be getting money this summer in the form of the advance child tax credit payments. Today, we're going to show you how to make sure that any extra money you receive helps you achieve your family and financial goals faster. That's why I'm so glad Joe Mecca is here. He's the vice president of communications over at Coastal Credit Union and our go-to savings guy. In this episode, we'll get into: how these advance payments work with the child tax credit a checklist to help make sure that your financial foundation is solid t ideas on how you can layer and optimize your money. Are you ready? Let's get started! Resources to Maximize and Manage Your Money Want to make sure your dollars go further? Here are resources mentioned in the episode as well as additional handy tools to stay on top of your money! Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money Advance Child Tax Credit Payments via IRS How Credit Unions Can Boost Your Family's Finances How to Seamlessly Switch to a New Bank or Credit Union If you're still sorting out what goals you want to pursue and plans that you want to set up, please join us in our Thriving Families group on Facebook. We're all about helping one another out with our family and financial goals.   We'd love to see you there! Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today. We've been Coastal members for a few years have been happy with their services. They have wonderful services and accounts to make saving easier including their competitive money market accounts! Slash Your Phone Bill with Republic Wireless! If you're looking to hit your family's financial goals faster, optimizing your expenses is the way to go. Chances are you're paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Key Takeaways on Making Your Raise or Bonus Go Further Before we wrap up, I want to share a few key takeaways I got from speaking with Joe and preparing this episode. Hone in on your short and long-term goals. I've seen too many times where extra money comes in, but it goes out just as quickly because there's no purpose for that money. So sit down together and talk about what are things you want to accomplish now and down the road. Approach your finances in layers. Most of us have many different goals that we're pursuing, and it's very easy to try to chase everything at the same time. Instead, focus on building it up piece by piece. Automate your money. It'll make things so much easier. You're probably really busy with everything going on and this is really tedious stuff. Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.  

Real estate investing can be a way to build up a passive income, but is it the right move for you? Learn about some of the different options you have and what you need to discuss before jumping in!   Is Real Estate Investing Right for Us?  We've been talking a lot this season about building and diversifying your income streams.  Part of it is in reaction to the past year or so we've had. With some industries being hit hard with job losses and hours cut, having another source of income – even if not full-time- can soften the blow.  We spoke about working from home with Modern Frugality creator Jen Smith. We also talked about entrepreneurship and building a portfolio of income streams with author Michelle Jackson. Today we're talking about another opportunity to build an income stream – real estate investing. If you've ever watched shows on HGTV or followed DIY influencers on social media, it looks fun and exciting, right?  These transformations can be dramatic and then when they go ahead and sell those houses, sometimes those numbers look tempting. Or the idea of owning properties and having rental income looks like a passive way to earn more.  But is that really the case? What does real estate investing really involve? How can we get started? How can we be smarter with how we invest?  I'm happy that Rachel Richards is joining this episode. She's an author and real estate investor with over 30 properties. With the income their properties are generating, she and her husband are able to be financially free.  In this episode we get into: different ways to invest in real estate Understanding what's really involved with investing and finding properties A peek of how one couple got into investing and how they grew it  Are you ready?  Let's get started!  Resources on Real Estate Investing Are you thinking about getting started with real estate investing? Here are some handy resources to get your finances in shape and learn more about it! Best Budget and Money Apps: Personal Capital, Tiller, Mint Jumpstart Your Marriage and Your Money Passive Income Starter Kit from Rachel Richards Passive Income, Aggressive Retirement by Rachel Richards The Book on Rental Property Investing How to Invest in Real Estate Afford Anything Podcast by Paula Pant Buy and Hold by Steve Chader Bigger Pockets Podcast Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today. Slash Your Phone Bill with Republic Wireless! Thanks to our new sponsor Republic Wireless. If you're looking to hit your family's financial goals faster, optimizing your expenses is the way to go. Chances are you're paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.

Real estate investing can be a way to build up a passive income, but is it the right move for you? Learn about some of the different options you have and what you need to discuss before jumping in!   Is Real Estate Investing Right for Us?  We've been talking a lot this season about building and diversifying your income streams.  Part of it is in reaction to the past year or so we've had. With some industries being hit hard with job losses and hours cut, having another source of income – even if not full-time- can soften the blow.  We spoke about working from home with Modern Frugality creator Jen Smith. We also talked about entrepreneurship and building a portfolio of income streams with author Michelle Jackson. Today we're talking about another opportunity to build an income stream – real estate investing. If you've ever watched shows on HGTV or followed DIY influencers on social media, it looks fun and exciting, right?  These transformations can be dramatic and then when they go ahead and sell those houses, sometimes those numbers look tempting. Or the idea of owning properties and having rental income looks like a passive way to earn more.  But is that really the case? What does real estate investing really involve? How can we get started? How can we be smarter with how we invest?  I'm happy that Rachel Richards is joining this episode. She's an author and real estate investor with over 30 properties. With the income their properties are generating, she and her husband are able to be financially free.  In this episode we get into: different ways to invest in real estate Understanding what's really involved with investing and finding properties A peek of how one couple got into investing and how they grew it  Are you ready?  Let's get started!  Resources on Real Estate Investing Are you thinking about getting started with real estate investing? Here are some handy resources to get your finances in shape and learn more about it! Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Free 401(k) Analysis: blooom Jumpstart Your Marriage and Your Money Passive Income Starter Kit from Rachel Richards Passive Income, Aggressive Retirement by Rachel Richards The Book on Rental Property Investing How to Invest in Real Estate Afford Anything Podcast by Paula Pant Buy and Hold by Steve Chader Bigger Pockets Podcast Key Takeaways Before we wrap up, I want to share a few key takeaways I got from speaking with Rachel and preparing this episode. Find a way to diversify your income streams.  Research and discuss how active or passive you want to be with real estate investing. How does it fit in your big picture and financial plan? Run the numbers. You have to be really objective with real estate. What down payment can you afford? What cashflow do you expect (and need)?  We really just scratched the surface today so if you want to discuss this more – ask questions, swap ideas, and talk about your progress for the year– don't forget to join us in the Thriving Families group on Facebook. We're all about helping one another out with our family and financial goals.  Hope to see you there! Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today. We've been Coastal members for a few years have been happy with their services. They have wonderful services and accounts to make saving easier including their competitive money market accounts! Slash Your Phone Bill with Republic Wireless! I'm so happy to announce our new sponsor Republic Wireless. If you're looking to hit your family's financial goals faster, optimizing your expenses is the way to go. Chances are you're paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.  

It's June. The year is halfway over. Now is the perfect time to hit pause and do a midyear review to see how you're progressing with your goals and make sure that your accounts are moving in the right direction! Why Financial Reviews Matter While we automate much of our finances, especially the tedious parts. It really does pay to have these times where you sit down. In review the numbers. And having a financial checkup mid year is a fantastic opportunity. Not just to look at your day to day accounts, like your checking and savings but your investments. Having these more in-depth conversations. Can be beneficial to both your marriage and finances. For us, this is an opportunity to hit pause and to really sit down and talk. I don't know how this year has gone for you but it really has flown by for us. In overall, it has been good, but that doesn't mean there hasn't been some struggles and challenges that we face. Second, it gives us a chance to talk about what's been working and what's not working with our family finances. Life comes up and maybe we had to shift some things for a month or two. This is a pause where we can see. Is this a trend that we should start planning for, or is this. A one-time deal? Knowing that ahead of time can relieve the stress going forward. Finally, it's a great reminder to reflect on the big picture. What are we really working towards and how are we aligned towards that? And yes, it does involve looking at the finances, but also schedule wise work choices that we make. Time with the girls, all these things are connected to each other. Having a set period where we can reflect on that big picture is a huge help. This past year and a half can be especially challenging for families as we are navigating through this unprecedented time. Which is why I'm glad Kevin Matthews is a part of this episode. He's a former financial advisor and a number one bestselling author. He just had a new book from Burning the Blueprint that's out that you should definitely grab. Today, we're going to be talking about that connection between your family and financial goals and making sure that your investments are moving in the right direction. In this episode, we'll get into: Join the Community & Get Your Free Money Toolkit! Quickly & easily set your money up to hit your goals faster!  Join our community to get the free toolkit and newsletter! Get Instant Access We never share your information with third parties and will protect it in accordance with our Privacy Policy why investing matters and how you can come up with a plan that reflects your goals how to do a financial review for your investments? making sure that they're aligned with your priorities and goals. Are you ready? Let's get started! Resources to Stay on Top of Your Money  If you're looking to build up your finances, here are some handy resources we mentioned in the episode plus more!  Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Free 401(k) Analysis: blooom Jumpstart Your Marriage and Your Money From Burning to Blueprint: Rebuilding Black Wall Street After a Century of Silence Why Knowing Your Net Worth Matters Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today. We've been Coastal members for a few years have been happy with their services. They have wonderful services and accounts to make saving easier including their competitive money market accounts! Slash Your Phone Bill with Republic Wireless! I'm so happy to announce our new sponsor Republic Wireless. If you're looking to hit your family's financial goals faster, optimizing your expenses is the way to go. Chances are you're paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.

It's June. The year is halfway over. Now is the perfect time to hit pause and do a midyear review to see how you're progressing with your goals and make sure that your accounts are moving in the right direction! Why Financial Reviews Matter While we automate much of our finances, especially the tedious parts. It really does pay to have these times where you sit down. In review the numbers. And having a financial checkup mid year is a fantastic opportunity. Not just to look at your day to day accounts, like your checking and savings but your investments. Having these more in-depth conversations. Can be beneficial to both your marriage and finances. For us, this is an opportunity to hit pause and to really sit down and talk. I don't know how this year has gone for you but it really has flown by for us. In overall, it has been good, but that doesn't mean there hasn't been some struggles and challenges that we face. Second, it gives us a chance to talk about what's been working and what's not working with our family finances. Life comes up and maybe we had to shift some things for a month or two. This is a pause where we can see. Is this a trend that we should start planning for, or is this. A one-time deal? Knowing that ahead of time can relieve the stress going forward. Finally, it's a great reminder to reflect on the big picture. What are we really working towards and how are we aligned towards that? And yes, it does involve looking at the finances, but also schedule wise work choices that we make. Time with the girls, all these things are connected to each other. Having a set period where we can reflect on that big picture is a huge help. This past year and a half can be especially challenging for families as we are navigating through this unprecedented time. Which is why I'm glad Kevin Matthews is a part of this episode. He's a former financial advisor and a number one bestselling author. He just had a new book from Burning the Blueprint that's out that you should definitely grab. Today, we're going to be talking about that connection between your family and financial goals and making sure that your investments are moving in the right direction. In this episode, we'll get into:  Community & Get Your Free Money Toolkit! Quickly & easily set your money up to hit your goals faster!  Join our community to get the free toolkit and newsletter! Get Instant Access We never share your information with third parties and will protect it in accordance with our Privacy Policy why investing matters and how you can come up with a plan that reflects your goals how to do a financial review for your investments? making sure that they're aligned with your priorities and goals. Are you ready? Let's get started! Resources to Stay on Top of Your Money  If you're looking to build up your finances, here are some handy resources we mentioned in the episode plus more!  Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Free 401(k) Analysis: blooom Jumpstart Your Marriage and Your Money From Burning to Blueprint: Rebuilding Black Wall Street After a Century of Silence Why Knowing Your Net Worth Matters Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today. We've been Coastal members for a few years have been happy with their services. They have wonderful services and accounts to make saving easier including their competitive money market accounts! Slash Your Phone Bill with Republic Wireless! I'm so happy to announce our new sponsor Republic Wireless. If you're looking to hit your family's financial goals faster, optimizing your expenses is the way to go. Chances are you're paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.  

Cryptocurrency is part of the mainstream conversation and in the news, but should it be a part of your investment plan? We decode the terminology and go over the difference between speculation and investments.  Should We Invest in Cryptocurrency? We're talking about a topic that's been popping up all over – cryptocurrency.  Just this year alone, Bitcoin, Ethereum, and others are on a roller coaster ride. Coinbase went public just this April.  I've gotten questions first about exactly how these currencies work and second, if it's something to invest in. In some cases, one of you is all excited to jump in this new opportunity while the other is skeptical or against it.  Like any major decision, it's important for your marriage and money to discuss your options and see if it fits in with your goals and financial plan.  In this episode, we get into:  the essentials about blockchain technology, NFTs, and some of the biggest currency Why you should  what to consider as you two discuss whether crypto currency is right for you We got plenty to cover so let's get started! Resources to Learn More About Cryptocurrencies and Keep Tabs on Your Money Best Budget and Money Apps: Personal Capital, Tiller, Mint Jumpstart Your Marriage and Your Money Bitcoin: A Peer-to-Peer Electronic Cash System by Satoshi Nakamoto Ethereum.org Ethereum Whitepaper by Vitalik Buterin DogeCoin NFTs, Explained Blockchain and Money – MIT Open Courseware Like it or not, you should probably start paying attention to bitcoin The blockchain catalyst for change How blockchain can solve the payments riddle Bitcoin Losers Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today.   We've been Coastal members for a few years have been happy with their services. They have wonderful services and accounts to make saving easier including their competitive money market accounts! Slash Your Phone Bill with Republic Wireless! I'm so happy to announce our new sponsor Republic Wireless. If you're looking to hit your family's financial goals faster, optimizing your expenses is the way to go. Chances are you're paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Get Your Free Love & Money Guide Learn the ice breakers and conversation starters to make talking about money easier!   Join our community to get the free toolkit and newsletter! Get Instant Access We never share your information with third parties and will protect it in accordance with our Privacy Policy Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio. Key Takeaways on Crypto Before we wrap up, I want to share a few key takeaways I got from preparing this episode. Invest in educating yourself about the tech behind cryptocurrency. Crypto, blockchain – these aren't going away.  Make sure that crypto is aligned with your goals and risk tolerance before jumpin in.  Focus on investing, not speculation. There's a lot of hype and volatility to sort through so  If you want to discuss this more – ask questions, swap ideas, and maybe discover your strategy– don't forget to join us in the Thriving Families group on Facebook. We're all about helping one another out with our family and financial goals.  Hope to see you there!

Cryptocurrencies like Bitcoin doge coin, and Ethereum are a part of the mainstream conversation and in the news but should it be a part of your investment plan?  We're going to decode the terminology and explore the tech so you can weigh whether or not it's the right option for you! Should We Invest in Cryptocurrency? We're talking about a topic that's been popping up all over - cryptocurrency.  Just this year alone, BitCoin, Etherum, and others are on a roller coaster ride. Coinbase went public just this April.  There's a lot of excitement and questions about the crypto space.  I've gotten questions first about exactly how these currencies work and second, if it's something to invest in. In some cases, one of you is all excited to jump in this new opportunity while the other is skeptical or against it.  Like any major decision, it's important for your marriage and money to discuss your options and see if it fits in with your goals and financial plan.  In this episode, we'll get into:  the essentials about the tech and terms used with cryptocurrencies what to consider and discuss so you two can decide whether or not it's the right option for you We got plenty to cover so let's get started! Resources to Learn More About Cryptocurrencies and  Keep Tabs on Your Money Best Budget and Money Apps: Personal Capital, Tiller, Mint Jumpstart Your Marriage and Your Money Bitcoin: A Peer-to-Peer Electronic Cash System by Satoshi Nakamoto Ethereum.org Ethereum Whitepaper by Vitalik Buterin DogeCoin NFTs, Explained Blockchain and Money – MIT Open Courseware Like it or not, you should probably start paying attention to bitcoin The blockchain catalyst for change How blockchain can solve the payments riddle Bitcoin Losers Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today.   We've been Coastal members for a few years have been happy with their services. They have wonderful services and accounts to make saving easier including their competitive money market accounts! Slash Your Phone Bill with Republic Wireless! I'm so happy to announce our new sponsor Republic Wireless. If you're looking to hit your family's financial goals faster, optimizing your expenses is the way to go. Chances are you're paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio. Key Takeaways on Crypto Before we wrap up, I want to share a few key takeaways I got from preparing this episode. Invest in educating yourself about the tech behind cryptocurrency. Crypto, blockchain – these aren't going away.  Make sure that crypto is aligned with your goals and risk tolerance before jumpin in.  Focus on investing, not speculation. There's a lot of hype and volatility to sort through so  If you want to discuss this more – ask questions, swap ideas, and maybe discover your strategy– don't forget to join us in the Thriving Families group on Facebook. We're all about helping one another out with our family and financial goals.  Hope to see you there! See all they have to offer at Republic Wireless! 

Learn how you can protect your family’s finances and open up more opportunities by diversifying your income!  Why You Need to Diversify Your Income Diversifying income is something every family should consider. It can not only give you a bigger safety net, but it does give you some more options no matter what stage you are in your financial journey.  Here are a few scenarios where diversifying and increasing your income can be helpful. We're still not out of the woods when it comes to the financial impact of COVID. In April, 9.4 million people reported that they were unable to work because their employer either close or lost business due to this pandemic. As you can probably guess the more income you get, the higher your chances of saving. In 2019, the median bank account balance for American households was 5,300. What's interesting is when you break it down by income, how drastically that changes. For a family that's in the 40 to 59 percentile of income, the median savings was 4,400. You moved to the next bracket, 60 to 79%. You're looking at 10,000. The next one 20,000 and then finally 69,000. Having income to take care of essentials means you can then take that so-called extra income and put it towards financial goals, including savings. Finally, if your family is on the financial independence path. Then increasing your savings rate can speed things up for you when you'll hit your FII number. For example, if your savings rate is 15% then you have 43 working years until you retire. If you bump that up to 30%, then that drops down to 28. You move up to 45% and it becomes 19 years. You're literally buying back your time when you're increasing your savings rate. So hopefully it’s clear why you need to diversify your income. The question is now about finding the right ones for your family.  Side hustles are a popular recommendation, especially online, but they're not your only option. Which is why I’m so happy to have Michelle Jackson on today. She’s an author, podcaster, and entrepreneur.   Not only has she developed these business and income streams, but she’s found a bit of balance with juggling them.  In this episode, we get into: different types of income you can earn Pros and the cons of them how to decide which income path is right for you Let’s get started! Resources to Build Up Your Income If you’re looking to boost your income, here are some helpful resources to earn more money and manage it better!  Best Budget and Money Apps: Personal Capital, Tiller, Mint Jumpstart Your Marriage and Your Money Finding the Best Side Hustle as a Married Entrepreneur How to Build Income Streams to Knock Out Your Money Goals Faster Brand Building Lab Make Money with e-books Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. We’ve been Coastal members for a few years have been happy with their services. They have wonderful services and accounts to make saving easier including their competitive money market accounts! Slash Your Phone Bill with Republic Wireless! I'm so happy to announce our new sponsor Republic Wireless. If you’re looking to hit your family’s financial goals faster, optimizing your expenses is the way to go. Chances are you’re paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.  

Learn how you can protect your family's finances and open up more opportunities by diversifying your income!  Why You Need to Diversify Your Income Diversifying income is something every family should consider. It can not only give you a bigger safety net, but it does give you some more options no matter what stage you are in your financial journey.  Here are a few scenarios where diversifying and increasing your income can be helpful. We're still not out of the woods when it comes to the financial impact of COVID. In April, 9.4 million people reported that they were unable to work because their employer either close or lost business due to this pandemic. As you can probably guess the more income you get, the higher your chances of saving. In 2019, the median bank account balance for American households was 5,300. What's interesting is when you break it down by income, how drastically that changes. For a family that's in the 40 to 59 percentile of income, the median savings was 4,400. You moved to the next bracket, 60 to 79%. You're looking at 10,000. The next one 20,000 and then finally 69,000. Having income to take care of essentials means you can then take that so-called extra income and put it towards financial goals, including savings. Finally, if your family is on the financial independence path. Then increasing your savings rate can speed things up for you when you'll hit your FII number. For example, if your savings rate is 15% then you have 43 working years until you retire. If you bump that up to 30%, then that drops down to 28. You move up to 45% and it becomes 19 years. You're literally buying back your time when you're increasing your savings rate. So hopefully it's clear why you need to diversify your income. The question is now about finding the right ones for your family.  Side hustles are a popular recommendation, especially online, but they're not your only option. Which is why I'm so happy to have Michelle Jackson on today. She's an author, podcaster, and entrepreneur.   Not only has she developed these business and income streams, but she's found a bit of balance with juggling them.  In this episode, we get into: different types of income you can earn Pros and the cons of them how to decide which income path is right for you Let's get started! Resources to Build Up Your Income If you're looking to boost your income, here are some helpful resources to earn more money and manage it better!  Best Budget and Money Apps: Personal Capital, Tiller, Mint Jumpstart Your Marriage and Your Money Finding the Best Side Hustle as a Married Entrepreneur How to Build Income Streams to Knock Out Your Money Goals Faster Brand Building Lab Make Money with e-books Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you're living in the Raleigh Durham area and looking to bank better, come check out Coastal today. We've been Coastal members for a few years have been happy with their services. They have wonderful services and accounts to make saving easier including their competitive money market accounts! Slash Your Phone Bill with Republic Wireless! I'm so happy to announce our new sponsor Republic Wireless. If you're looking to hit your family's financial goals faster, optimizing your expenses is the way to go. Chances are you're paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.  

We're all looking to reconnect and have fun this summer. Today, we're going to go over ways to enjoy family barbecues, give some ideas on great outdoor ventures you can go on, and offer tips on how to grow your savings this season! Make This a fun Summer of Savings For many families, summer is the season. Especially after the year we had in 2020, many of us are eager to embrace the warmer weather and be outside and go on vacation. As we mentioned last week, it's possible to have fun and still save. Today, we're going to dive in with how you can have a wonderful and memorable time this summer, while still building up your stash. In this episode,  we get into: Leveling up your barbecue game Exploring the great outdoors is perfect for your happiness and wallet 10 ways you can boost your savings  Let’s get started!  Handy Tools to Boost Your Savings If you’re looking to get ahead with your finances as a family, here are key resources to check out! Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money Frugal and Fun Summer Activities for Your Family How to Double Your Savings Rate Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. Slash Your Phone Bill with Republic Wireless! I'm so happy to announce our new sponsor Republic Wireless.   If you’re looking to hit your family’s financial goals faster, optimizing your expenses is the way to go. Chances are you’re paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Key Takeaways Before we wrap up, I want to share a few key takeaways I got as I was preparing this episode.  If you want to discuss this more – ask questions, swap ideas, and maybe get a debt-free strategy set up – don’t forget to join us in the Thriving Families group on Facebook. We swap ideas and tips because our goal is to help one another out with our family and financial goals.  Hope to see you there! Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.

We're all looking to reconnect and have fun this summer. Today, we're going to go over ways to enjoy family barbecues, give some ideas on great outdoor ventures you can go on, and offer tips on how to grow your savings this season! Make This a Fun Summer of Savings For many families, summer is the season. Especially after the year we had in 2020, many of us are eager to embrace the warmer weather and be outside and go on vacation. As we mentioned last week, it's possible to have fun and still save. Today, we're going to dive in with how you can have a wonderful and memorable time this summer, while still building up your stash. In this episode,  we get into: Leveling up your barbecue game Exploring the great outdoors is perfect for your happiness and wallet 10 ways you can boost your savings  Let’s get started!  Handy Tools to Boost Your Savings If you’re looking to get ahead with your finances as a family, here are key resources to check out! Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money Frugal and Fun Summer Activities for Your Family How to Double Your Savings Rate Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. Slash Your Phone Bill with Republic Wireless! I'm so happy to announce our new sponsor Republic Wireless.   If you’re looking to hit your family’s financial goals faster, optimizing your expenses is the way to go. Chances are you’re paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Key Takeaways Before we wrap up, I want to share a few key takeaways I got as I was preparing this episode.  If you want to discuss this more – ask questions, swap ideas, and maybe get a debt-free strategy set up – don’t forget to join us in the Thriving Families group on Facebook. We swap ideas and tips because our goal is to help one another out with our family and financial goals.  Hope to see you there! Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.

We’re all looking to get the best value, but how can you balance saving money, hitting your financial goals, while still having fun? Today we’ll go over how you can master the art of being frugal! Can Being Frugal Make You Rich? Whether you’re pursuing a debt-free path, financial freedom, or independence, there’s one skill that can help you hit your goal faster – being frugal.  I’m not talking about being cheap.  I’m talking about living a rich life without spending a ton of money. When I say frugal, I’m talking about living a rich life without spending a ton of money. It’s about maximizing your dollars for the best value.  I’m going to talk about three areas where you can do this – budget, tech, and travel. To help show the ways you can live well while spending less, I have two guests.  First off,  Joel Larsgaard from How to Money is sharing ways couples can work together so they’re spending on what matters to them. Second, we have Joel Kades of Republic Wireless. We’re going to look at how technology opened up some options so you can get an affordable smartphone plan. Finally we’ll wrap things up with how to make frugality fun with tips on how to save on travel. We got a lot to cover so let’s get started! Resources to Maximize Your Dollars Being frugal is really about optimizing your expenses so you’re getting the best value. Here are a few resources to help you significantly save without    Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money Republic Wireless Root of Good: Justin retired at 33 and just this year, his wife joined him. He lays how a frugal lifestyle helped them. Your Money or Your Life – One of the first personal finance books that I read that showed the possibilities of a frugal lifestyle. The Millionaire Next Door – If you're curious to see how millionaires really live, this book is for you. It highlights that looks can be deceiving. Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. Slash Your Phone Bill with Republic Wireless! I'm so happy to announce our new sponsor Republic Wireless. If you’re looking to hit your family’s financial goals faster, optimizing your expenses is the way to go. Chances are you’re paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Key Takeaways Before we wrap up, I want to share a few key takeaways I got as I was preparing this episode. Prioritize which expenses matter most to you. Focus on big wins and low hanging fruit. Redefine what frugal means to you.    If you want to discuss this more – ask questions, swap ideas, and maybe get a debt-free strategy set up – don’t forget to join us in the Thriving Families group on Facebook. We swap ideas and tips because our goal is to help one another out with our family and financial goals.  Hope to see you there! Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.      

We’re all looking to get the best value, but how can you balance saving money, hitting your financial goals, while still having fun? Today we’ll go over how you can master the art of being frugal! Can Being Frugal Make You Rich? Whether you’re pursuing a debt-free path, financial freedom, or independence, there’s one skill that can help you hit your goal faster – being frugal.  I’m not talking about being cheap.  I’m talking about living a rich life without spending a ton of money. When I say frugal, I’m talking about living a rich life without spending a ton of money. It’s about maximizing your dollars for the best value.  I’m going to talk about three areas where you can do this – budget, tech, and travel. To help show the ways you can live well while spending less, I have two guests.  First off,  Joel Larsgaard from How to Money is sharing ways couples can work together so they’re spending on what matters to them. Second, we have Joel Kades of Republic Wireless. We’re going to look at how technology opened up some options so you can get an affordable smartphone plan. Finally we’ll wrap things up with how to make frugality fun with tips on how to save on travel. We got a lot to cover so let’s get started! Resources to Maximize Your Dollars Being frugal is really about optimizing your expenses so you’re getting the best value. Here are a few resources to help you significantly save without    Best Budget and Money Apps: Personal Capital, Tiller, Mint Grow Your Stash Faster: High Yield Savings with CiT Bank Jumpstart Your Marriage and Your Money Republic Wireless Root of Good: Justin retired at 33 and just this year, his wife joined him. He lays how a frugal lifestyle helped them. Your Money or Your Life – One of the first personal finance books that I read that showed the possibilities of a frugal lifestyle. The Millionaire Next Door – If you're curious to see how millionaires really live, this book is for you. It highlights that looks can be deceiving. Thank You to Our Sponsor Coastal! Support for this podcast comes from Coastal Credit Union! If you’re living in the Raleigh Durham area and looking to bank better, come check out Coastal today. Slash Your Phone Bill with Republic Wireless! I'm so happy to announce our new sponsor Republic Wireless. If you’re looking to hit your family’s financial goals faster, optimizing your expenses is the way to go. Chances are you’re paying too much for your smartphone and not getting the value you deserve.   Same thing happened to me years ago. Wanting to become debt free faster, I switched to Republic Wireless and saved big time.  Nationwide coverage, fantastic phone options like the Samsung Galaxy and Moto g, plus seriously affordable prices (plans start at $15/month!) make it a smart choice for families looking to save without sacrificing value.  See all they have to offer at Republic Wireless!  Key Takeaways Before we wrap up, I want to share a few key takeaways I got as I was preparing this episode. Prioritize which expenses matter most to you. Focus on big wins and low hanging fruit. Redefine what frugal means to you.    If you want to discuss this more – ask questions, swap ideas, and maybe get a debt-free strategy set up – don’t forget to join us in the Thriving Families group on Facebook. We swap ideas and tips because our goal is to help one another out with our family and financial goals.  Hope to see you there! Support the Podcast! Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it. Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share. Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your rating and review on Apple Podcasts. Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in 4 weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together! Music Credit Our theme song is from Staircases. Additional music by various artists from Audiio.      

Dominion is suing Fox News over election fraud claims! Arizona state legislature quietly skipped the vote on the bill which would force Apple to open up the app store. Microsoft might buy Discord? And we HAVE to talk about my first weekend with the OnePlus 9 Pro! Let's get your tech week started right! Stories This Week: OnePlus 9 Pro – 8K Vlog! https://somegadgetguy.com/2021/03/28/oneplus-9-pro-8k-vlog-lets-really-use-this-camera/ Moto One 5G Ace on Republic Wireless https://somegadgetguy.com/2021/03/26/moto-one-5g-ace-on-republic-wireless-cheap-5g/ QNAP QHora-301W Router: WiFi 6 and 10GbE! https://somegadgetguy.com/2021/03/18/qnap-qhora-301w-router-long-term-review-wifi-6-and-10-gigabit-ethernet/ Galaxy S21 Camera Deep Dive! https://www.patreon.com/posts/49043363 Galaxy S21 By The Benchmarks! https://somegadgetguy.com/2021/03/10/galaxy-s21-by-the-benchmarks-the-performance-plateau/ RODE Wireless Go 2: These Little Mics are HUGE https://somegadgetguy.com/2021/03/12/rode-wireless-go-2-review-these-little-mics-are-huge/ Best of Our Week 15 with TK Bay! https://www.youtube.com/watch?v=ySTNjQCbBE4 Reviews.org: Verizon initiatives to improve education! https://www.youtube.com/watch?v=c88NZWmA1qc SomeGadgetGuy Merch! https://teespring.com/stores/somegadgetguy Dominion suing Fox News https://apnews.com/article/joe-biden-donald-trump-media-lawsuits-elections-912eea8e168f95d51dec02da78ac2760 Arizona skips vote on Apple's App Store https://www.theverge.com/2021/3/24/22349302/arizona-hb2005-bill-vote-skipped-senate-apple-google-ios-android-app-store Microsoft buying Discord? https://venturebeat.com/2021/03/22/discord-exploring-sale-that-could-be-worth-more-than-10-billion/ TOP STORIES OF THE WEEK ON r/GLOWINGRECTANGLES https://www.reddit.com/r/glowingrectangles/top/?t=week Xiaomi warns of higher prices during component shortage https://www.reuters.com/article/us-xiaomi-chips/xiaomi-president-says-chip-shortage-has-increased-costs-may-pass-on-to-consumers-idUSKBN2BG222?utm_source=reddit.com Xiaomi Mi 11 Ultra Announced https://www.gsmarena.com/xiaomi_mi_11_ultra_brings_a_massive_gn2_sensor_48_mp_periscope_lens_and_a_secondary_display-news-48419.php Juan Rambles on about the OnePlus 9 Pro… Support SomeGadgetGuy! The complete list of how you can contribute to production on this channel AND get yourself some cool stuff! Patreon, Amazon, Humble Bundle, OnePlus, Audible, Merch, and MORE! https://somegadgetguy.com/2012/07/15/support-somegadgetguy-get-cool-stuff/ SomeGadgetGuy's Gear List: Panasonic G9 https://amzn.to/2E95rKM Panasonic 15mm f/1.7 http://amzn.to/2qWH0UZ Panasonic 25mm f/1.7 http://amzn.to/2ohTzsd Audio-Technica Lavalier https://amzn.to/2WywofM Focusrite 6i6 Audio Interface http://amzn.to/2p5l7py Shure SM57 Microphone http://amzn.to/2oypnLm Cloudlifter CL1 http://amzn.to/2oKN9G5 LED Light Panels http://amzn.to/2oy60ls AJA U-TAP HDMI http://amzn.to/2wfprBF Elgato HD S http://amzn.to/2p95Unu SUBSCRIBE TO #SGGQA! SGGQA Podcast RSS: http://goo.gl/oSUjvi SGGQA Podcast on Spotify: https://goo.gl/uyuSsj SGGQA Podcast Google Play https://goo.gl/ABF7Up SGGQA Podcast iTunes: https://goo.gl/YUcyS7 SGGQA Podcast on Stitcher: http://goo.gl/cyazfY SGGQA Podcast on PlayerFM: https://goo.gl/34B8SG SGGQA Podcast on Archive.org: https://goo.gl/9zh4pK Juan Carlos Bagnell on Twitch – http://Twitch.tv/SomeGadgetGuy Juan Carlos Bagnell on Twitter – http://Twitter.com/SomeGadgetGuy Juan on Instagram – http://instagram.com/somegadgetguy Support SomeGadgetGuy Production: http://amzn.com/w/34V1TR2551P6M Links on this page may be affiliate links which help support production on this website. Support Talking Tech with SomeGadgetGuy by donating to their Tip Jar: https://tips.pinecast.com/jar/talking-tech-with-somegadgetgu Find out more at https://talking-tech-with-somegadgetgu.pinecast.co This podcast is powered by Pinecast. Try Pinecast for free, forever, no credit card required. If you decide to upgrade, use coupon code r-c117ce for 40% off for 4 months, and support Talking Tech with SomeGadgetGuy.

BE SURE TO SEE THE SHOWNOTES AND LISTEN TO THIS EPISODE HERE Eve Picker: [00:00:16] Hi there, thanks for joining me on Rethink Real Estate. I'm on a mission to make real estate work for everyone. Real estate can help to solve climate change, can house people affordably, can create beautiful streetscapes, unify neighborhoods and enliven cities. So I'm on a journey to find the most creative thinkers and doers out there. I'm not the only one who wants to rethink real estate. You can learn more about me at EvePicker.com or you can find me at SmallChange.co, a real estate crowdfunding platform with impact real estate investment opportunities open for investment right now. And if you want to support this podcast, join me at Patreon.com/rethinkrealestate where there are special opportunities for my friends and followers.   Eve: [00:01:24] Today, I'm talking with Brian Dally of Groundfloor. Groundfloor started with the seed of an idea born out of the Jobs Act of 2012. From humble beginnings, funding their first 50,000 dollar loan with just 50 investors, Brian and his partner have built Groundfloor into the go to funding platform if you want to fix and flip property. And now they've added in accessory dwelling units as well. Last year, with the pandemic looming over their heads, 90,000 investors invested 145 million dollars into 'fix-n-flips' through Groundfloor. You might learn how to fund your next ADU. It's an unusual model and worth listening in. If you'd like to join me in my quest to rethink real estate, there are two simple things you can do. Share this podcast or go to Patreon.com/rethinkrealestate to learn about special opportunities for my friends and followers and subscribe if you can.   Eve: [00:02:44] Hi, Brian, it's a real pleasure to have you on my show today.   Brian Dally: [00:02:48] Great to be with you, Eve.   Eve: [00:02:50] Yes, so you and I are kind of in the same business, we both founded companies based on the 2012 Jobs Act and we both care about democratizing investment in real estate. So I want to just start talking about what you do first today and that is Groundfloor.  Why don't you just explain what Groundfloor is.   Brian: [00:03:13] Well, as you said, we realized back in 2012-2013, you and I didn't know each other back then, but you were tracking the same trend. You know, the world of investment and capital formation was undergoing some very early change back then, and it continues to go through change, even today. But what started back then is Congress and the SEC put rules in place that for the first time allowed everybody, regardless of your income or wealth, to participate in a whole class of securities offerings that haven't been open to people who don't meet the definition of an accredited investor.   Eve: [00:04:00] Let me jump in.   Brian: [00:04:01] Sure.   Eve: [00:04:01] Because people don't know what an accredited investor is. It's probably about three percent of the adult population in the state, which in itself is pretty shocking and it's anyone who has income of 200,000 dollars a year and has had for three years. Or has net worth of a million dollars, at least a million dollars without their primary residence. That's right. Right?   Brian: [00:04:26] Yeah, exactly. And that's a very small slice of the American population. And if you meet that definition, if you're in that club for a long time, you have had access to investments that the other 97 percent of us haven't had. And which started to change in 2012 is Congress and the SEC put forward rules that would start to open that up. Now, since then, they've continued to improve those rules, spell them out a little bit more. Companies like Small Change and Groundfloor have been built. Republic is another one that allows you to invest in startups, for example, or StartEngine or SeedInvest, there are a bunch of portals now where you can go invest in a wide variety of securities offerings that weren't open to us all before. We saw that coming, we started a company to help open up that market and we're still going. Now, we've got about 90,000 investors who are investing. Last year put in about 150 million in aggregate into our investments. We're funding 70 or 80 different real estate projects per month now using this model. And I mean, we're really just getting started. I think you would agree, right, with Small Change we're just in the early innings even still.   Eve: [00:05:43] So what is your model? Because we both have real estate platforms, but they're pretty wildly different, right?   Brian: [00:05:49] Yeah, we looked at the market for investments and we said, look, what's missing out there is sort of a short term high yield secured investment that people could get their hands around. You know, so many times you invest in real estate or you invest in a startup or something, and your capital is locked up for a very long period of time. Typically, the terms of those investments don't give you a lot of control over it. Like, for example, if you put money in any of the eREITs like Fundrise or RealtyMogul, any of these new kind of funds that have launched, you weren't able to access your capital when you probably wanted it. And you're in Covid. Because they shut down redemptions out of those funds. And we looked at the landscape of investments and realized what was really missing was for all of us to invest the same way that hedge funds and banks do, which is on a per deal basis, on a short term, a short term loan that that has a high yield. So where we started with Groundfloor was with value added renovation to single family houses that were being basically built by independent entrepreneurs. Right, so you have somebody who had a real estate project that they wanted to fix and flip, for example, or fix up and rent out and create rental housing out of it. We make a loan to them and then we turn around and allow individual investors to participate in that loan, ten dollars at a time. So, most people invest about an average of two or three hundred dollars. But you can start with a minimum of just ten. And what that means is if you have 1,000 dollars to invest, you can invest in 100 loans, which is a very nicely diversified portfolio. You're as diversified as a lot of small private equity funds or hedge funds. So you get the same benefits of diversification and the loans repay on an average of about nine to ten months. And the average rate that people are earning ranged between 10 and 11 percent. So it's a very high rate of return on short holding period in an asset that if you watch any house flipping show, you can understand what's going on there.   Eve: [00:08:01] Sure.   Brian: [00:08:01] And I think that's why it's been so popular, is those factors.   Eve: [00:08:04] So, a couple of things. One is I get what you're offering investors. Opportunity to invest in a way they've never had before. What does this do for developers who do 'fix-n-flips?'                             ?   Brian: [00:08:17] So developers who do 'fix-n-flips' or who are trading rental housing or we also finance independent builders who are doing new construction. There are a couple of problems with the capital markets, the way that they've been built, so far, on the legacy infrastructure. The legacy infrastructure is financed by some kind, what used to be banks. But when banks stopped funding this category of real estate development or or this type of small business, if you will, these types of projects, really who stepped in were sort of wealthy people with checkbooks. In any town, there are probably a couple dozen people who will finance these types of real estate projects. The problem is that the form of lending was not very professional. It was hard to find these lenders. The terms were all over the map, sometimes very lopsided terms for these agreements.   Eve: [00:09:12] Yeah.   Brian: [00:09:12] And I think the problem is if you're just getting started out as real estate investor, a house flipper, a builder, it's pretty hard to find your way in those capital markets. And I think the other problem is that a lot of the real estate development that's getting done in residential real estate, in places where housing stock is aging, for example, when Wall Street steps in, they just buy up blocks of a neighborhood and they bulldoze everything and they build up mcmansions or they build up some kind of mass market product. And that doesn't leave a lot of room for the independent builder or the independent real estate investor. So they've been playing at a disadvantage over the last 10 or 15 years. And Groundfloor's approach solves that problem because we're not lending out tens of millions of dollars at a time to one company that's going to go bulldoze a neighborhood. We're working with independent real estate developers who know these neighborhoods. They probably live in the neighborhoods. They care about the neighborhoods. And I think that's a good counterweight to gentrification. Right. I think it's a way to to renovate the residential real estate stock in a way that is more community friendly. Right. It also allows people in the community to participate in the financing of it, which I think is a novel idea.   Eve: [00:10:32] And so where are you lending now?   Brian: [00:10:35] We lend in about 30 states. Our lending is heavily concentrated in the southeastern U.S. We dabbled quite a bit in the mid-Atlantic and the midwest and we're starting to expand out west now. We started to finance projects in Colorado. We've done a couple in Washington state. We're not in California, but we're in about 30 states for lending and then investors nationwide.   Eve: [00:10:59] Yeah, yeah, obviously. And then how do you vet the the developers and the deals.   Brian: [00:11:05] We're frankly looking at developers on these deals the same way that anybody who's lending money or investing money in an entrepreneur would look at an entrepreneur. We're asking ourselves, can this entrepreneur with this plan create the result that they're hoping to create? And a lot of times we use this expertise to help entrepreneurs realize maybe the deal wasn't as good as they thought it was going to be. Right. Maybe their plan, they didn't have a big enough budget. Right. We really look very closely at the budgets for the projects and we look a lot at the valuation at the end. Do we believe I mean, every entrepreneur, myself included, we always believe what we're doing is super valuable. Right. So Groundfloor will serve as a little bit of a reality check for those situations where maybe their expectations are a little inflated. We need to make sure that the properties can sell for enough in the end...   Eve: [00:12:00] That investors get their money back, right?   Brian: [00:12:02] Yeah, I mean that and they get it back in a timely manner. Right? I mean, that's that's really important to the model that investors can trust the projects that we put up. It's not that things don't go wrong. Things do go wrong. You know, when you're renovating something, you know this well. You've dealt with so many interesting projects in Pittsburgh and beyond that, you know, you've seen it firsthand. I mean, you can't plan for every contingency, right?   Eve: [00:12:27] For sure.   Brian: [00:12:27] Things take longer, things cost more money. And so in our vetting, we make sure that the plan covers those major contingencies. And that's why we've had such a low loss ratio. Over time, we've lost less than one percent of the money that we've loaned out. And the returns of 10.5 percent are net of those losses. So, it's a pretty low volatility and investment where you really know what to expect.   Eve: [00:12:54] Right.   Brian: [00:12:54] That's why it works for the investor. Why it works for the borrower, for the entrepreneurs, they get a professional outfit that's actually looking at the merits of what they're trying to do. And we're providing some advice to them and a perspective. And if everything lines up, we're happy to fund it. We're doing like I said, we're doing about 70 to 80 fundings a month right now.   Eve: [00:13:14] Wow. A few years back when I met you, we talked about how hard it was to find your crowd of investors.   Brian: [00:13:23] Yes.   Eve: [00:13:23] And what you have to go through at the beginning. And I'd love to talk about what that was like and how that compares to today and what you think made a difference.   Brian: [00:13:33] Well, I realized early on that, and I think you felt this too, you and I are creating, you know, an unknown product in an unknown category from an unknown company. Right? So it kind of just amazed me in the early days that anybody would, you know...   Eve: [00:13:52] That's absolutely true.   Brian: [00:13:54] Isn't that the feeling, though? It's kind of just amazing.   Eve: [00:13:57] Yeah. And by the way, we just closed an offering today for 890,000 dollars.   Brian: [00:14:02] I saw that. Congratulations. That's huge!   Eve: [00:14:06] Yeah.   Brian: [00:14:06] That's huge! Congratulations. That's got to be one of the bigger ones, I would think.   Eve: [00:14:11] Yes.   Brian: [00:14:12] Yeah, I would think so. That's that's a huge success. And that's a testament to just continuing to persist because I think what I was about to say is, I think you're probably feeling this too, is that people now are more comfortable with the idea that this exists, you know, this category exists, that they, too, can get access to these deals. And there's a little less of what I used to call the Groucho Marx problem, which is like I wouldn't want to invest in any investment that would allow me to. Right? It's a problem of investor psychology. And I think the category has advanced now enough that people are interested. I also think we're seeing the rise of the retail investor more generally. I mean, look no further than what happened last month with Robinhood and GameStop.   Eve: [00:14:59] Yep.   Brian: [00:15:00] The retail investor is waking up and as they wake up, they're also realizing that public markets for a lot of people feel like it's a rigged casino. And they're now open to the idea that they can invest, that they should invest, that they can band together to put their capital to work and cause a change. And I think some of these traders are going to become investors. And that's part of what's happening, too. And then the third factor that has started to change the game and bring in a lot more growth. And we had a record Q2 and record Q3 last year because of some of those other factors, you know, the retail investor waking up and opting out of public markets. But I think the future growth that's to come and that we're starting to see lift off from now is the track record that we've all built. Right.   Eve: [00:15:49] Yes.   Brian: [00:15:49] Now that we're repaying, you know, we have over 1,500 loans that we've repaid.   Eve: [00:15:54] Yes.   Brian: [00:15:55] You know, and people now can see what the empirical data tells them about what they can expect. You can go on our website and see a scatterplot of, I think 9,000 portfolios that have returned capital on at least one loan over the years and you can see what returns that portfolio has earned on average based on how many loans they've invested in. What you learn is the more you invest, the more you can predict the return. And I think that's giving people more confidence in the category, in the companies and in the products, right, that we're building here.   Eve: [00:16:29] Right right right. So along with all of this, but I want to go back to what I originally asked. Sorry. And that was like I remember you telling me a story about what it took to get one person to invest in the beginning. And how many did you have last year?   Brian: [00:16:45] Gosh, we now have 80,000 investors.   Eve: [00:16:47] That's amazing and really what is a fairly short time to kind of scratching your head over why you can't even find one investor to...   Brian: [00:16:56] Well, the first loan we funded was a 50,000 dollar loan for a house flip in Adair Park in Atlanta, which is a neighborhood, transitional neighborhood near the beltline. I think we put, it was a 40,000 dollar loan. We put 39 investors in it, you know, a thousand dollars each. And it was a lot of work.   Eve: [00:17:16] A lot of work.   Brian: [00:17:18] A loan that small won't last a day or two on the platform.   Eve: [00:17:22] Yes.   Brian: [00:17:22] And, you know, people are investing smaller amounts in many more loans. So there might be 500 people in that loan. Three or four...   Eve: [00:17:31] It's pretty amazing that you can invest just ten dollars.   Brian: [00:17:33] I think just yesterday we hit a new record for I think 1.2 million dollars was invested on the platform just yesterday alone.   Eve: [00:17:41] Oh, wow. That's that's amazing. Congratulations.   Brian: [00:17:44] We've come a long way. But I'll tell you one thing that's exciting to me about that is that now that we have those basics in place is we recently started piloting an ADU financing program.   Eve: [00:17:57] That was my next...   Brian: [00:17:59] Oh, oh good.   Eve: [00:18:00] Question. Yeah. I want to know about your ADU program because that's a little bit different for you. And I wanted to ask why you are piloting that.   Brian: [00:18:09] I'm psyched to talk about that, because when we started off, yes, we wanted to build a financial product, but more than that, we wanted to build a platform that could be used for good. You know, we wanted to open up this asset class. We wanted to make a great investment product. But we also hoped that people would come to the platform as borrowers or sponsors and investors in order to have a positive impact on the world as well. I feel very strongly that the source of capital really matters to the result that we actually see in the world. And I think real estate plays an important role in shaping our communities. I mean, it's where people live and shop and work. And I think that who is financing that work really matters. And I think this ADU program is exciting to me because as an entrepreneur, when you build a platform, you have ideas about how people will use the platform. You can't predict it. If it goes well, people use your platform to create even more value for themselves in the world around you. Then you even get. Right. I mean, that's the whole idea of a platform. And still with this ADU pilot, we were actually approached by some people in that community who are having trouble finding financing because of the particular borrower situation that sometimes exists where you have somebody who doesn't want to move out of their house, out of their neighborhood. Home values are changing over. They like to participate in the growth of the neighborhood and they see ADUs as a way to do that because we're increasing density. I mean, there are two ways of dealing with increasing lot values and housing stock values. Right. One is you can knock everything down and just rebuild it all with mcmansions and more valuable real estate. I think most of us in the impact community would agree that sucks. Right? The other way is to increase density by changing the zoning rules and you change the zoning rules, but then you still need financing.   Eve: [00:20:11] Right.   Brian: [00:20:11] So to support that increased density. And I know you've talked with PadSplit, for example. That's one way to increase density. This ADU sort of approach is another way...   Eve: [00:20:21] PadSplit doesn't really increase density. They find unused spaces.   Brian: [00:20:26] Right.   Eve: [00:20:27] A little bit different. And by the way, I feel bad, because we we haven't told everyone what ADU stands for. It's accessory dwelling unit. And it's also what we know as a granny flat. It's just an additional unit on your property, on your piece of land.   Brian: [00:20:44] I think the reason we were excited about it is we saw it right away as a valuable approach to urban development in certain situations, especially with gentrifying neighborhoods where homeowners don't need to be displaced, but they can participate in what's happening around them as owners and grow their equity value without having to be displaced.   Eve: [00:21:06] Yeah.   Brian: [00:21:07] Right. So, selling their property and taking that money and moving elsewhere, we think is a suboptimal outcome for many people who would rather stay right where they are. You know, stay in their neighborhood, retain the character of the neighborhood, but open up some more housing opportunity in that neighborhood, too.   Eve: [00:21:24] Yeah.   Brian: [00:21:26] We've got excited about it, mostly because we saw a place where, you know, the traditional financing sources weren't going to step in. We thought that investors on our platform would like it. And we were right. The first two ADU deals that we've put out there have sold very quickly. Had a really enthusiastic reaction. And so, you know, we we have a little ways to go to kind of build up the pilot. But I'll tell you, we piloted new construction two years ago, and it's already, I think it's on track to be about a third or maybe even 40 percent of our volume this year. And I mean, the same thing could happen with ADUs.   Eve: [00:22:01] The most difficult thing might be that the person who wants to build an ADU, accessory dwelling unit, the homeowner may have absolutely no experience building anything.   Brian: [00:22:13] Right.   Eve: [00:22:13] What do they do? And this is probably one of the most difficult things to crack about accessory dwelling units. How do people who have no development, no real estate experience, go about adding that value to that property?   Brian: [00:22:28] Happily, there's an ecosystem of builders, contractors, architects who are ready to meet the needs of the people who want to do that. The problem is that those people cost money. The projects cost money.   Eve: [00:22:44] Yes.   Brian: [00:22:44] And a lot of people don't have the money. So even if you know about the idea, you know, first of all, you have to get connected into the ecosystem of people who work on these things and do them right. Right. Do them within the zoning standards, you know, do them in a way that will be good for long term value. People who are inexperienced that I think have to tap into that network. But then even if they tap into that network, what's been missing is the money. Where do you get the money to do it?   Eve: [00:23:12] Right. And, you know, the whole business of financing something as complicated as well.   Brian: [00:23:19] Agreed.   Eve: [00:23:19] You know, provide something consistent and easy to understand, that would be really helpful.   Brian: [00:23:25] And that's the goal, right. So we're we're looking to partner with contractors and architects who know how to get these projects off the ground. And so, when someone has an interest, there's already a network of providers that know how to plan it out, design it, and, of course, finance it, because we're we're out there offering that fund.   Eve: [00:23:51] That's fabulous. Yeah, yeah, yeah. You know, I was on a panel with a CDFI a few months ago and was horrified when they explained with great pride how they had spent the last three or four years developing a program which looked like it would, you know, finance a couple ADUs, maybe four a year. And I was just like, how do we even get this to work if there's no financing out there?   Brian: [00:24:14] Right.   Eve: [00:24:15] Yeah.   Brian: [00:24:16] Yeah. I think people on our platform, investors on our platform have a lot of appetite for it. I think it's a it's a really attractive investment. I think it's a really attractive initiative for homeowners in certain situations where they want to stay put and they want to grow their equity value in concert with the neighborhood around them. And I like it because we think that one of the benefits of crowdfunding for financing as a way to finance real estate is that people should be involved, directly involved in deciding what gets financed and how. This is a way that that can happen. Right?   Eve: [00:24:56] I like ADUs because I think they build on infrastructure and community that's already there, which is a great thing. You know, the bus stop that's right out there on the street or grocery shop or a school or anything like that is already there in that community. And we're adding density around those really important pieces. So it's a fabulous idea. So I want to go to your background now. Your background is very diverse. Communication technology, gaming, political theory, business and law, but not real estate. So I wonder how you came to this real estate platform from your background?   Brian: [00:25:36] Well, I have been an investor since about age 15. And one category that I had never really invested in was real estate. You know, you always hear it's it's almost like a trope in American life, right? Like, well, the way to build cash flow is through owning real estate. Right. And so there's there are no shortage of real estate investing seminars and whatever out there. So I feel like real estate investing is kind of in the air, you know, in America, more or less. I mean, it's amazing to me that we still have house flipping shows that are watched. You know, people people are interested in it. And I think that drove me as an entrepreneur because what I was looking for after leaving the wireless industry in my previous startup, by agreement, I could no longer work in the wireless industry. But we had built this wireless company that was structured in a way that allowed people to route around, you know, the cell phone network, except when they absolutely had to have it. And then they could, you know, the calls would switch from the Wi-Fi network to the cell phone network. And the company that we built, it's called the Republic Wireless it's still around today. One of the things I noticed and I think this is true in politics, in philanthropy, I know it's true in finance, people when you give them a platform where they can band together, I mean, this happened on Reddit, right? You give them a platform where they can band together and cause some change by voting with their dollars, by buying differently, by investing differently. They will do it because we can all debate whether people are smart enough to make their own decisions or whether they know what they're doing or not. The truth is, regardless of whether they are or not, they're going to behave as though they are. And that's what can drive a lot of change in the world. And I think we start to get a closed loop feedback system where people do get a lot smarter. And so, you know, as an entrepreneur, I was very attracted to that. I didn't quite know what sort of financial product we could build and what would be underneath it. But pretty quickly, Nick and I realized that if you're building this new type of product and you're trying to open up this type of investing, you should probably do it in a space like residential real estate that's tangible, that people can understand, that people are excited about. And I think that's what really led us there. Now, once we got there, you know, also as an entrepreneur, you need to have something as a beachhead that, you know, makes up for the perceived risk, like, for example, at Republic Wireless, we're launching phones, we said, look, this is an unlimited plan that's going to cost you 20 bucks a month instead of 150 bucks a month. And you're not going to be locked into a contract. Well, people really like that. They saw some advantage in that. So they were willing to try the technology. With Groundfloor, we said, look, you know, you're not going to lock up your money, you know, for years. You're going to lock it up for months. You're going to get a really high rate of return. If this thing works, over ten percent and you're going to get to control it, you're not turning your money over to a fund manager.   Eve: [00:28:46] Um-hm.   Brian: [00:28:46] You get to make the decision. And I think because it was residential real estate, they believed it. Right? It was tangible and they could buy into it. If we had done it in some exotic category that nobody understood, like financing receivables or something, I don't think it would have been as successful. So I had to learn about real estate. I've spent a lot of time with people with many decades of experience in real estate. And now very shortly as an operator will have made a billion dollars worth of loans in this category.   Eve: [00:29:16] I think that's fantastic.   Brian: [00:29:16] You know, which is not an insignificant number. So I had to climb the learning curve. We have a lot of advisors and executives around the company with deep experience in this. And as an entrepreneur, you know, a lot of us want to learn something. This was an exciting area for me to to learn. And now I guess I don't get to claim that I'm not experienced in real estate anymore.   Eve: [00:29:36] I think that would be true. What do you love doing the most about this?   Brian: [00:29:41] I love working with people who are putting themselves out there and taking a chance. So the people who I've most enjoyed interacting with are the entrepreneurs who are financing projects on our platform. I can really identify with them and equally the investors who are venturing off into this unknown. I really identify with those people. You know, we started raising money from our customer base to finance the growth of the company. So we have a crowdfunded equity offering that's still live today on SeedInvest. I love talking to people about getting involved in angel investing. So I really like engaging with the people who are drawn to these platforms because I admire them for being intrepid enough to take the risk and vote with their dollars to change the way that we finance, in this case, real estate. And we're startup. I think that's that's what I love about it.   Eve: [00:30:41] I think that's great. And actually, there's still a relatively small number, because one of the reasons this is hard is there's still a pretty big group of people out there who don't trust online investing and...   Brian: [00:30:54] It's still the early innings, it really is.    Eve: [00:30:56] Early innings. Yeah. So what is your big, hairy, audacious goal for Groundfloor?   Brian: [00:31:04] The big, hairy, audacious goal is to take the model that we've pioneered for these private capital markets and to show that what we've done in these first couple of sub asset classes in real estate can be done at a bigger scale across a broader scope. You know, the big, hairy, audacious goal would be to infect other asset classes with this model. You know, it's a very disruptive model. It's easy for people to look down on it and say, oh, it's underpowered, but that always happens with disruptive technology. So my big, hairy, audacious goal for this is to see how many asset classes at what level of scale this model can produce, the kind of results that it's producing in this market. And I don't know where the endpoint for that is. I think it can go very, very far. So I don't have a specific quantification of that. But that's the idea, is I'd like to take what I think we've proven in this one market and see how many more markets we can extend it into.   Eve: [00:32:08] And I have another question for you that may be a little bit difficult, but is there anything else that you're noticing out there that really excites you about the way we might do things differently, live a lot differently, what we what we can change?   Brian: [00:32:22] I look at our own market and I think it's true in digital assets, I think it's true in the securities that we're offering online, I think it's true and how we transact in real estate. I see a lot of opportunity to remove friction from the system. I mean, you look at something like title and how much time and money.   Eve: [00:32:44] Oh yeah.   Brian: [00:32:45] Is put into clearing title and then battling the insurance company when there's a defect in title that comes up later. I think this is the bane of real estate investors everywhere. And I think it's true in private market transactions with illiquid assets generally. And I think it's something I'm excited to see change because I feel like it's a very difficult change to effectuate. But I think as a community, we're going to keep chipping away at it and eventually we're going to have to knock down the barriers to I mean, title is a great example. But I would just say in general, these kind of transactions in illiquid securities need to, the friction needs to come down.   Eve: [00:33:28] Yeah, I totally agree with you. Well, thank you really so much for talking with me. I really enjoyed it. And I'm really wondering what's going to happen this year if you did so well last year as well, too. Right.   Brian: [00:33:42] I think things are looking up, you know, in 2021. And and I hope we get to work together.   Eve: [00:33:48] Yes.   Brian: [00:33:49] Eve, I really admire the work that you've been doing and been persistent enough to keep doing over the years. And I hope we get to join forces someday and do some work together.   Eve: [00:33:59] That would be fantastic. Thank you so much, Brian. Bye.   Brian: [00:34:02] Yeah, you too.   Eve: [00:34:06] That was Brian Dally. Brian isn't planning to stop at 'fix-n-flips' or accessory dwelling units. He thinks the Groundfloor model can be used on a much bigger scale. And on a much more varied asset class with 145 million raised in 2020, I can't wait to see where he takes the company in 2021. You can find out more about this episode on the show notes page at EvePicker.com. Or you can find other episodes you might have missed. Or you can show your support at Patreon.com/RethinkRealEstate, where you can learn about special opportunities for my friends and followers. A special thanks to David Allardice for his excellent editing of this podcast and original music. And thanks to you for spending your time with me today. We'll talk again soon. But for now, this is Eve Picker signing off to go make some change.

Email: tsc.collab@gmail.com Connect with me: https://intagram.com/thenerdiestpod https://www.facebook.com/groups/thegeeksden Visible Referral: https://visible.com/referral/wvw8s Visible Party Pay: https://visible.com/p/WeirdOnes If you'd like to support the show with a donation you may do so: https://paypal.me/alohaandroid New episode of the Podcast. We talk all aspects of Tech nothing held back. Find it on these sources Anchor: https://anchor.fm/thenerdiestpod Hello thank you for watching / listening. Since your here might as well SUBSCRIBE so you dont miss any of the weekday episodes. #thenerdiest #podcast --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/thenerdiestpod/support

Saving money now have never been more important. Nothing like a pandemic to put life and money in perspective. Learn how to put a dent in your debt or had more money to your savings but switching to phone companies. To get started: Become a Republic Wireless member and fall in love with the savings! Join using my link and get $30 off your first bill: https://republicwi.re/2L2lKMj --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/mylasweetpodcast/message Support this podcast: https://anchor.fm/mylasweetpodcast/support

RALEIGH, N.C., Oct. 23, 2020 /PRNewswire/ — Relay, the cellular walkie-talkie replacement from Republic Wireless, announced today the launch of Relay+, its next-generation enterprise model developed to give today’s frontline, deskless workforce a simple and powerful communication solution. The new Relay+ unveils improved features built specifically for businesses at a time when people have been increasingly working remotely […] The post Relay Launches Newest Enterprise ‘Walkie-Talkie Killer’ Relay+ appeared first on Cerebral-Overload.

Other topics discussed: the identity crisis of faith driven entrepreneurs that keeps us from creating truly impactful venturesthe different tensions faith driven entrepreneurs experience vs secular entrepreneurswhat Henry says every faith driven entrepreneur must know and must do in order to thrive in faith and businessgetting rid of the artificial secular vs sacred divideTrust me, listen to this episode! - Ellis Guest Bio: Henry Kaestner is a co-founder and managing principal of Sovereigns Capital, an investment fund that invests in faith driven entrepreneurs in the United States and Southeast Asia. Previously, Henry was the Co-Founder and previous CEO, and then Chairman of Bandwidth.com (NASDAQ:BAND), along with Republic Wireless he grew with his best friend and business partner, David Morken. The values of Bandwidth have always been: Faith, Family, Work and Fitness (in that order). Bandwidth was the 4th fastest growing privately held company in the country from 2003 through 2007, a position it achieved without acquisition or institutional funding. Prior to co-founding Bandwidth, Mr. Kaestner founded Chapel Hill Brokers (a predecessor to ICAP Energy), an institutional energy derivatives broker that became the top ranked electricity broker in the country. Mr. Kaestner has also been involved in a number of ministry and philanthropic activities. He co-founded Faith Driven Entrepreneur, Faith Driven Investor, DurhamCares, and most recently, Generosity: Bay Area. Additionally, Henry serves as an elder in the Presbyterian Church of America, serves on various ministry and business boards along with the board of Valley Christian Schools in San Jose. Henry lives in Los Gatos, CA with his wife Kimberley and their three sons. Guest Links: LinkedInhttps://www.faithdrivenentrepreneur.org/https://www.faithdriveninvestor.org/ 

In this edition of the FDE Podcast, we get a peek into the longtime friendship and partnership (let’s just call it what it is – a bromance) between David Morken and Henry Kaestner, co-Founders of Bandwidth and Republic Wireless. They share with us the divine origins of their relationship (Henry was a direct answer to David’s prayer) and how their relationship translated into a successful business where people are promoted as much as the product. They talk about the need to be able to work through conflict in healthy ways and the conscious effort needed to incorporate others into this dynamic mix to create high functioning, mission ready, people-centric organizations. And who doesn’t want that? Part One of this discussion focuses on the friendship and partnership rooted in Christ that launched the company while next week's episode gets into how together they created a culture that reproduced kingdom concepts and principles in the lives of their employees. You don’t want to miss any of this. We serve a Trinitarian God who does everything in community and Who tasks us to follow suit. We’d love to hear your stories about those important relationships in your life directly impacting your faith driven entrepreneur pursuits at faithdrivenentrepreneur.org. It will encourage us all!

Explore the challenges and insights gained scaling from $0 to $300 million in revenue with two start-ups. Seth dives into that journey with Henry Kaestner, Managing Principal in Sovereign's Capital, a private equity venture fund investing with faith-driven entrepreneurs. Prior to co-founding Sovereign's Capital, Henry was co-Founder, previous CEO, and then Chairman of Bandwidth.com (NASDAQ:BAND) and its sister company, Republic Wireless. The founding values of Bandwidth are: Faith, Family, Work, and Fitness (in that order). Over the next 30 minutes, you’ll get to hear his story, his struggles, and how he finds joy and purpose in his work, every day.   What you’ll learn about: 11:02 - Lessons from founding and funding Bandwidth. 17:35 - Why your employees need to know WHY you do what you do. 19:14 - 2 stories of breakthrough with Bandwidth employees. 23:43 - Are your employees motivated? 4 things every business needs to motivate someone. 26:02 - Your identity as an entrepreneur. 29:12 - Mixing ministry and business. 31:49 - How Henry stays hungry and focused in his career.   Resources: Connect with Henry and his podcast at FaithDrivenEntrepreneur.org Henry’s money story... $$$ Learn more about Bandwidth and Corporate Chaplains of America Questions for Seth? Send us your feedback at hello@BDRPodcast.com If you need help building (or selling) a valuable business, reach out to Cathedral Consulting at info@cathedralconsulting.com

Topics: Should you start an Amazon DPS company?; Watch out for massive "trauma activation" fees at your hospital; Republic Wireless has new walkie talkie device for kids that is awesome! Learn more about your ad choices. Visit megaphone.fm/adchoices

On The New Screen Savers with Leo Laporte and Megan Morrone recorded on Saturday, July 14, 2018: Megan and Leo discuss the new $399 Surface Go by Microsoft and the MacBook Pro 2018 refresh. TakeThis.org Co-Founder Russ Pitts tells us how they're working to advocate and educate about mental wellness. Plus, see how they've partnered with indie game developers, Devolver Digital and Mega Cat Studios, on a retro SNES cartridge game called "Fork Parker's Crunch-Out" to help in their mission. Leo reviews the Nuheara IQbuds Boost. A hearable that gives you control over how you hear the world around you and auto-calibrates to best match your hearing profile. Want to keep in touch with your kids but aren't ready to give them something like a smartphone?  Megan shows how Relay, a phone alternative by Republic Wireless, might be what you're looking for. Jason Howell reviews the BlackBerry KEY2. Is the new keyboard making a comeback or is it just a throwback?  Hosts: Leo Laporte and Megan Morrone Guests: Russ Pitts, Jerry Wagley, and Jason Howell The New Screen Savers records live every Saturday at 3PM Pacific on twit.tv/live. Episodes are available for download and streaming later that evening at https://twit.tv/shows/new-screen-savers. Thanks to CacheFly for the bandwidth for this show. Sponsor: RocketMortgage.com/NSS

On The New Screen Savers with Leo Laporte and Megan Morrone recorded on Saturday, July 14, 2018: Megan and Leo discuss the new $399 Surface Go by Microsoft and the MacBook Pro 2018 refresh. TakeThis.org Co-Founder Russ Pitts tells us how they're working to advocate and educate about mental wellness. Plus, see how they've partnered with indie game developers, Devolver Digital and Mega Cat Studios, on a retro SNES cartridge game called "Fork Parker's Crunch-Out" to help in their mission. Leo reviews the Nuheara IQbuds Boost. A hearable that gives you control over how you hear the world around you and auto-calibrates to best match your hearing profile. Want to keep in touch with your kids but aren't ready to give them something like a smartphone?  Megan shows how Relay, a phone alternative by Republic Wireless, might be what you're looking for. Jason Howell reviews the BlackBerry KEY2. Is the new keyboard making a comeback or is it just a throwback?  Hosts: Leo Laporte and Megan Morrone Guests: Russ Pitts, Jerry Wagley, and Jason Howell The New Screen Savers records live every Saturday at 3PM Pacific on twit.tv/live. Episodes are available for download and streaming later that evening at https://twit.tv/shows/new-screen-savers. Thanks to CacheFly for the bandwidth for this show. Sponsor: RocketMortgage.com/NSS

Looking to kick things up a notch? Learn how you can have fun this summer and still save some serious money!  Summer Saving Fun I'm so ready for summer! The tricky part of summer, especially if you have little ones, is making sure you don't go broke while still having fun. So to wrap up this season, I challenged myself. Today I'm going to share how you can save a grand this summer! We're going to look at 4 areas and show you 5 ways to save.  Getting the Best Deals Boost Your Savings  Frugal Foodie Vacations/Getaways Hope you enjoy!  Getting the Best Deals  If you're out shopping make sure you're getting the best deals! Some of my favorite apps and sites are: iBotta Camel, Camel, Camel Honey Paribus Your family's smartphone plan shouldn't cost you a fortune. There are some fantastic deals out there. I use Republic Wireless and love them. They have an incredible line of phones. I have two lines with them and pay less than $50/month!  You may also want to look at providers like Ting, Freedom Pop, and StraightTalk.  When shopping online, hold off on those impulse buys you may be able to score a better deal by leaving before the purchase. I had a site send me an email afterward with a cheaper price. You may also want to switch to incognito mode.  Boost Your Savings If you're looking to ramp up savings here are some great apps and services to try out.  Tiller Personal Capital Mint They can help you track your money quickly and easily.  You also want to make sure you're keeping a visual reminder of what you're saving towards. It can keep you motivated when you're in the middle of things.  And of course, automate your savings. It's not doing you any good until it's stashed away.  Frugal Foodie I've been writing for Couple Money for almost nine years and I will tell you that one of the biggest budget busters that couples have is eating out. Break this cycle by: Plan Your Meals for This Week Prep a Meal Ahead Have Go-to Meals Think Global with Your Dishes Have a Potluck Vacations/Getaways Summer is a fantastic time to get out of town and explore someplace new. Using sites and apps like Skyscanner and CheapOair can make your money go further next trip!  Be Flexible Learn How To Bid Stay Like a Local Budget for your Trip   Jumpstart Your Marriage and Money Course Want to give your marriage and bank account a boost? Pick up Jumpstart Your Marriage and Money course. Jumpstart focuses on the big wins including earning more. Get LIFETIME access to a four-week course design to help you: Stop fighting about money and create a budget that you BOTH LOVE Automate your money Pay off your debt faster Plus more! You can get lifetime access here! Music Credit Like the music in this episode? Our theme song is by Gentle Regime. Additional music by Lee Rosevere and Logan from Music for Makers in this episode.

Football is Back! Jeremy and Matt are back after a little break since hoops took over the site for a while. The two are going to talk about spring football which is over for some schools and others are in the midst of the whole thing. We will give updates on the league and who is doing what and also how spring football really is sort of dumb, so we help you out on what is important and not important at all. This episode is presented by Republic Wireless which can cut your cell phone bill down from whatever amount you are paying to as little as $15/month for just talk and text and then personalize your data for just $5 per GB. They harness Wi-Fi as much as possible since it is basically everywhere in order to keep your bill low. Plus, some phones can be brought over. http://bit.ly/RepublicWirelessOffer Here is our list of complete sponsors. www.MWCwire.com Or just help us out directly through our Patreon page through this link. https://www.patreon.com/MWCwire --- Send in a voice message: https://anchor.fm/mwwire/message Support this podcast: https://anchor.fm/mwwire/support

Football is Back! Jeremy and Matt are back after a little break since hoops took over the site for a while. The two are going to talk about spring football which is over for some schools and others are in the midst of the whole thing. We will give updates on the league and who is doing what and also how spring football really is sort of dumb, so we help you out on what is important and not important at all. This episode is presented by Republic Wireless which can cut your cell phone bill down from whatever amount you are paying to as little as $15/month for just talk and text and then personalize your data for just $5 per GB. They harness Wi-Fi as much as possible since it is basically everywhere in order to keep your bill low. Plus, some phones can be brought over. http://bit.ly/RepublicWirelessOffer Here is our list of complete sponsors. www.MWCwire.com Or just help us out directly through our Patreon page through this link. https://www.patreon.com/MWCwire --- Send in a voice message: https://anchor.fm/mwwire/message Support this podcast: https://anchor.fm/mwwire/support Learn more about your ad choices. Visit megaphone.fm/adchoices

Headquartered in Raleigh, North Carolina, Republic Wireless leverages the power of both WiFi and nationwide cellular networks and gives consumers the ultimate flexibility to manage costs. The service uses WiFi in the home, office or anywhere else as the primary network for calls, texts and data. Recognized for offering the best basic plan by MONEY Magazine, a top pre-paid carrier choice by Consumer Reports and for excellence in user satisfaction by PC Mag, Republic Wireless is on a mission to provide remarkably simple and affordable ways to stay in touch with anyone, anywhere, in any way. Prior to joining Bandwidth, Chris led Corporate Development and Strategy for Motricity, a mobile content platform provider that raised nearly $500M of capital and powered billions of dollars of mobile content transactions for the wireless carriers. Earlier in his career, Chris worked in venture capital at Technology Crossover Ventures and in management consulting at McKinsey & Company. Chris attended Stanford University, and currently resides in Raleigh, NC where Republic is headquartered today. However, I invited the CEO of Republic Wireless onto the podcast to talk about two new devices, which are aimed at minimizing digital distraction and manage screen addiction. Relay is a smart walkie-talkie that celebrates adventure and encourages kids to leave their smartphone worries behind. The Anywhere HQ is a voice-activated smart speakerphone that lets you make and receive phone calls without a screen too.

Got a smartphone? Then you must also have a wireless plan, and if you live in the U.S., chances are it's with one of the big four — Verizon, AT&T, T-Mobile, or Sprint. However, there are a bunch of other carriers you may have seen around, carriers with names like Cricket, Jolt, metroPCS, and Virgin. These are MVNOs, or mobile virtual network operators, and they exist by leasing spectrum from the major carriers. They're also often a better deal, thanks to selectively targeting demographics and relying heavily on Wi-Fi to support the network. One of those MVNOs is Republic Wireless. Founded in 2010, it made a name for itself in the following years by putting Wi-Fi calling on the map. Thanks to a Wi-Fi-centered strategy, Republic was able to offer incredibly cheap deals, which had the potential to cut big money off a wireless bill — a Mashable editor actually saved over $150 every month by switching. The big catch: The phones that actually worked on Republic was very limited; notably, it didn't — and still doesn't — offer the iPhone. After quietly expanding the number of phones that are compatible with its network, Republic Wireless is making noise again. It's just announced two new hardware products that will debut in early 2018: a phone with no screen that looks more like a panic button, and its own smart speaker. On this week's MashTalk, Republic Wireless co-founder and CEO Chris Chuang explained who the products are for: families. The screenless phone, called Relay, functions as both a kid tracker and a way to communicate directly with them. The single button directly calls the parent, and it's equipped with GPS so the parent can check the kid's location anytime. The device also provides access to Google Assistant, so the kid can ask questions and get answers without bothering mom or dad (and yes there are parental controls for what information the Assistant can surface). The smart speaker is called Anywhere HQ, and it's also equipped with Google Assistant. It looks like any other wireless speaker, but if you pick it up off its (heavy) charging cradle and look at the bottom you'll see all the buttons for a cordless phone. The big difference is that it's a phone that works with your smartphone's phone number, and it also works over the 4G LTE network -- so you can take it anywhere. If this all sounds great to you, but you're still not psyched to jump to a carrier without the iPhone, Chuang has some good news for you: On the podcast he reveals Republic Wireless will offer an iPhone in 2018. He just didn't say which one. Follow Republic Wireless on Twitter. Follow Pete, Ray, and MashTalk on Twitter, too.

Republic Wireless has a new take on an old idea. It's called the Relay and it's a walkie talkie for families that works over a 4G LTE cellular network and WiFi so you can use it from practically anywhere.

Topics: AT&T's major issues; Republic Wireless & Costco deal; Don't post this on Facebook; Really old debt can haunt you; New Amazon kids tablet Learn more about your ad choices. Visit megaphone.fm/adchoices

Watch the New Year, New You Financial Summit Live I'm finishing up a fourth season with the biggest event I've ever done - New Year, New You Financial Summit. And it's happened in large part because of you - your support, ideas, and questions have made this possible! This summit has been a work in progress for the past few months and I'm so thrilled with the response so far. I've gotten to chat with some of you during the sessions which has made this all the more special to me. In this episode, we'll get into: what goes behind the scenes to put together a summit what goes behind the scenes to put together a summit highlights from the summit so far some honest and personal answers we had in our Q&A sessions from a couple of our speakers Hope you enjoy! New Year New You Partners & Giveaways In addition to the sessions, we partnered up with some wonderful companies. Special Shout out to Proactive Budgets, Republic Wireless, iBotta, and HoneyFi! Besides offering really great service to help you save your money, they are sponsoring some incredible giveaways. Republic Wireless is offering credit for a free smartphone and three months service with them   HoneyFi gave away $100 through PayPal/Amazon gift card   iBotta will be doing a few drawings including one for $250 credit which can be cashed out   ProActiv is giving lifetime subscriptions to their app every day of the summit Check out all the details here. We wanted to give people every reason to register for the New Year, New You Summit. So if you haven't already, please sign up!

Chase was a smartphone skeptic, until he owned a smartphone. Then he was an Android lover, until he tried the iPhone. Now he's weighing his options and trying to choose the right device for his needs. What can the Android do that the iPhone can't? Where does the iPhone excel? Can his workflows be adjusted to work with a new platform, or is the cost of switching too high? Moto X (2014) iPhone 5 Nexus 6 Republic Wireless Android Version History Android's failing update cycle Making the iPhone square again Overcast for iOS Pocket Cast Chase's Android Homescreen Blank icons for iOS Fixing iCloud-to-Gmail calendar invites

Wi-Fi calling in the United States has hit an all-time high and Republic Wireless — a small, renegade phone carrier — has taken advantage of this. Walt and Nilay discuss Walt's review of Republic in length, as well as the convenience of Wi-Fi on the go, with an insight of what Steve Jobs was thinking back in the early days of the iPhone. Learn more about your ad choices. Visit megaphone.fm/adchoices

Today's guest claims that his crowd funding source is the one and only accredited and non accredited investor backed lending source. He's also one of the fastest approvers of a loan you need. Tune in and hear today's opportunity to be a borrower or an investor! Best Ever Tweet: Don't keep doing the same old things, try new things because the world is changing. Brian Dally real estate background: Co-founder and CEO of GROUNDFLOOR Started a wireless company called Republic Wireless and built it as a division of Bandwidth Has a JD from Harvard Law School, an MBA from Harvard Business School and a BA with Highest Distinction from University of Virginia Based in Atlanta, Georgia Say hi to him at: https://www.groundfloor.us/about Please Take 4 Min and Rate and Review the Best Ever Show in iTunes.  Listen to all episodes and get a FREE crash course on real estate investing at:http://www.joefairless.com Need financing? Are you a buy-and-hold investor or doing fix and flips? I recommend talking to Lima One Capital. A Best Ever Guest told me about them after I asked how he financed 10 properties in one year. They are an asset-based lender with unique programs for long-term hold and fix and flippers. Click to learn more or, better yet, reach out to Cortney Newmans at Lima One Capital. His cell is 404.824.6121. Subscribe to Joe’s YouTube Channel here to learn multifamily and raising money tips:https://www.youtube.com/channel/UCwTzctSEMu4L0tKN2b_esfg Subscribe in iTunes  and  Stitcher  so you don’t miss an episode!

David Morken, CEO, Bandwidth.com  How can a middle-market telecom provider compete successfully against industry giants such as Verizon and AT&T? Join us as David Morken explains how Bandwidth.com’s two operating divisions, Republic Wireless and Bandwidth Business Solutions, are growing remarkable value from mobile and IP networks. Listen Now.

Scott moves from the iPhone to Android and Anders argues Google isn't eavesdropping even though your phone is always listening!

Scott and Anders discuss 802.11u, which is also known as HotSpot 2.0, Passpoint or Interworking. It allows a WiFi device to automatically associate with access points through shared credentials rather than having to have separate accounts for each network.

This week, Dave and Gunnar talk about: key deathwatch, mobile carrier deathwatch, klingon deathwatch, and Google Meat, Mk I. Subscribe via RSS or iTunes. Red Hat’s Eye of Sauron. Action photos from Lauren’s Akron LUG presentation on Scratch and Raspberry Pi Lauren’s impromptu app Gunnar sitting in Red Hat’s new office, which dominate the Raleigh skyline Soylent Green is Google!: Something to snack on while you wait for your mind to be uploaded Netflix US removes Star Trek III due to missing Vulcan and Klingon dialogue Klingon lesson of the week: “Heghlu meH QaQ jajvam” means “today is a good day to die” Bonus link: How to Learn English Through Awkward Aerobics in 1992 Japan What could possibly go wrong: Shloosl Copies Your House Keys Using a Smartphone Photograph Millions of Kwikset Smartkey Locks Vulnerable to Hacking, Say Researchers Add these books to your reading list Lauren won’t need to ask for an iPhone, she can now make her own OpenBTS: Mobile carrier deathwatch? Almost related: Republic Wireless, and they are located in Red Hat’s old NC State offices Gunnar driving to Mil-OSS LANT, RIGHT NOW Dave moderating an open source tech leadership panel at Fedscoop’s Lowering the Cost of Government with IT Summit Preview: Luke Fretwell and Gunnar talk Open GIS with FCC GIO Michael Byrne Gunnar and Dave are working ahead on the Red Hat Government Symposium 10gen and Red Hat Deliver Integrated Security Solution for MongoDB Use Red Hat Enterprise Linux Identity Management for MongoDB SSL cert management & data in motion encryption Use Red Hat Enterprise Linux Identity Management to centrally manage MongoDB users 10 Annoying Sounds People Need to Stop Making Dave is guilty of pulmonic ingressive voiceless alveolar glide and mid-central vowel, with optional unreleased final bilabial stop, and cybersecurity More Zeppelin news (near Dave’s house): Goodyear bids goodbye to blimps, says hello to zeppelins YA Novel for Lauren, if she likes Zeppelins: Leviathan Cutting Room Floor Raspberry Pi based robotic beer dispenser How To Setup Your Own Free Mail Server (using RoundCube on OpenShift) (83% accurate) vampire robots? Cocktail party idea: yarn based laser grid First Open Source Airplane Could Cost Just $15,000 Ted Brunell’s interview OpenROV: Open source robotic submarine HT Lauren: Vulcan’s Trekcetera Museum opened August 2, 2013 Yes, There’s an Air Force Class Flying With My Little Pony Patches 167 Theremin Players Perform Beethoven Pay attention to detail: Hotel Takes Special Requests from Guests Very Seriously We Give Thanks Lauren’s computer science teacher Mr. James Allen for attending Lauren’s Akron LUG presentation and being so supportive Dave Hamblin, Community Support Lead at Premier Farnell, and Element 14 for raffling off a Raspberry Pi at Lauren’s Akron LUG presentation Rick Nemer, Steve Alexander, and all the folks who organized and attended Lauren’s Akron LUG presentation

Commentator Jim Dalrymple, Editor in Chief of The Loop, discusses the decision of Barnes & Noble to stop building Nook tablets, the crazy rise and fall of Apple's stock, and the double-standard tech and Wall Street analysts use when they cover Apple Inc. Veteran tech author Bob “Dr. Mac” LeVitus admits defeat because OS 10.9 didn't use the code name "Bobcat," not made seriously of course. He'll also offer his reaction to OS X Mavericks, and to the promise of the next Mac Pro, Apple's tubular workstation, which is expected to be released some time this fall. On the security front, Gabriel Weinberg, founder and CEO of DuckDuckGo.com, details his company's "anonymous" search engine, which respects your privacy and doesn't track your search requests. Tech journalist Rob Pegoraro, who writes a weekly column for USA Today, reviews Republic Wireless, a prepaid cellular service that switches between Wi-Fi and a traditional wireless network to offer unlimited text, voice and data for $19 per month. He'll also cover efforts by tech companies to push back against NSA surveillance and FISA gag orders, and the prospects for the next TV standard, 4K, or Ultra HD, to succeed in a highly saturated market.

Surprise, Sprint looks to pick up Clearwire, Republic Wireless officially launches and Google Maps for iPhone.

"It's want versus need." Hello and good day to all the AotA friends and fans, we have a great show for you on this, episode 31 of Attack of the Androids. Mat Lee here, joined by Seth Heringer, Jeremy Lesniak, and Joey Kelley. On tonight's episode we take a rumor filled look at the Phone of the Moment, the Samsung Galaxy S III. After that get out your drinks because we have a Republic Wireless update. Then we talk about the new Intel Medfield phone that’s supposed to come out this week, some app updates, the Oracle Google lawsuit, some happy RIM Blackberry news, and of course so much more. Keep reading after the break for our app picks! Thanks for listening, help us spread the word socially, and make sure you are subscribed to the show in iTunes. Read more » The post AotA 31: Serious Browsing appeared first on Attack of the Androids.

Show Notes: 1. EchoSign App for iOS: Sign documents online, including contractual agreements, with this Adobe app for the iPhone and iPad. And, not to worry, authentication and fraud protection are built into the app. Twitter: @EchoSign 2. MITx: MIT will no longer be exclusive to those who love the idea of a 'rager' that involves chalk boards and unsolved formulas...a la "Good Will Hunting". Soon, everyone will be able to take online courses at this prestigious university. For a certificate. For free! Um, where do we sign up? Twitter: @MITNewsTips, @MITNews 3. Republic Wireless: $19 for an unlimited data/voice and text plan with the help of the internet as opposed to a cell network. Exactly what this company will offer. It's still in beta, but we have high hopes! Twitter: @republicwrless 4. Cloud Copy: Feel like copying something from your iMac and pasting it into your iPad or iPhone? Sounds practical, right? Much more so than, say, copying the content on the clipboard, pasting it into an email, recopying the content, and re-pasting it. This brilliance courtesy of Ductus IT Solutions. 5. "Scoop" by Quirky: This company just does not disappoint. One of their latest products is a measuring spoon that turns into a knife. So, scoop up that cream cheese and spread it on your bagel with glee. Twitter: @quirky Happy New Year! G + Kyra show notes - http://thebit.tv/episode42 twitter - http://www.twitter.com/thebittv website - http://www.thebit.tv facebook - http://link.thebit.tv/thebittv youtube channel - http://link.thebit.tv/ip4sUL

Scott and Anders discuss the new republic wireless country code andthe challenges of preserving the archive of our bits for the longterm

Scott and Anders once again discuss why the desk phone is dead. Building on the UI discussion, they also talk about the unbelievable user interface design behind the recently released Path social network mobile application. The Steve Jobs biography makes an appearance as well as the "design by designers vs. design by the numbers" debate.

Anders and Scott discuss republic wireless, the WiFi / CDMA hybrid cell carrier bragging a $19/month no contract plan.

"Can I bring my own phone?" Mat Lee Hosts. Joined by Seth Heringer and Eric Finkenbiner. This week the AotA crew discusses the Android news of the week including some more Republic Wireless feedback, some listener email about voice control, Google's voice recognition privacy policy, Google Music hits the streets, is anyone excited for that? Is anyone excited over buying music anymore? Nah. We also talk about ICS source code and CM9 coming in January.  We also discuss some Droid RAZR reviews and some Galaxy Nexus reviews. Stick around till the end for our app picks, and so much more. Read more » The post AotA 9: Software Mod appeared first on Attack of the Androids.

Wietse praat lekker door over AppleTV 3, we stippen toch nog even de biografie over Steve Jobs aan (flutboek) en gaan verder over Republic Wireless (androidmeuk), Apple als GSM provider (never gonna happen) en Kindle Fire. En wat er allemaal niet tussendoor is gekomen. Kortom, koffietijd voor nerts zit weer tjokkievol! Cover artwork gemaakt door Nozzman, moet nu écht als het goed is in iTunes en Instacast verschijnen, bandbreedte wordt deze week wederom verzorgd door SoundCloud Twee sponsors: NulEuroHosting en Homepad Schrijf je in op de nieuwsbrief (enkel een e-mailadres nodig) en maak kans op een gratis domeinnaam + hostingpakket van NulEuroHosting! Luister de podcast voor meer details. Onderwerpen + shownotes Apple TV 3 Biografie Steve Jobs Republic Wireless Apple als GSM provider TalkTime Witricity Software bluetooth keyboard voor de Mac Wuphf iCloud notifications Flashpraatje van Wietse Flash gaat weg van mobiele platformen Kindle Fire SOPA and PIPA: A giant step in the wrong direction for the internet

We talk Wal-Mart Black Friday ad, Simpson’s Arcade re-release incoming, Steam hacked, Google Badges, Flash is dead, Republic Wireless cheap cellphone service, flying Humvee, Call of Duty: Modern Warfare 3 breaks records --and is awesome, Big Trouble in Little China revisited --genesis of Mortal Kombat, Demon King Daimaio, Halo: ODST Co-op, and Gamefly used games

We talk Wal-Mart Black Friday ad, Simpson’s Arcade re-release incoming, Steam hacked, Google Badges, Flash is dead, Republic Wireless cheap cellphone service, flying Humvee, Call of Duty: Modern Warfare 3 breaks records --and is awesome,

Image Courtesy: Melissa Finkenbiner Read more » The post AotA 8: Republic Wireless, HTC Source, Droid RAZR Reviews and More appeared first on Attack of the Androids.