Podcasts about ROI

I'm turning 50 on December 19 (presents welcome), and as I approach the half-century mark, I've been reflecting on the lessons that have meant the most to me. When you're in your 20s, you don't have hard-fought wisdom, but at 50, there's no denying you've been around the block a few times. In this episode, I'm sharing the first five of ten life-changing lessons: how your thought life becomes your life life, why you reap what you sow (and how that's made me write 12 books), why a naturally negative person like me discovered that positivity has a better ROI, why you are the cavalry you've been waiting for, and the truth about having enough time. These aren't just philosophical musings—they're the practical principles that turned my life around at 34 and have shaped everything since. If you only steal one lesson from this list, make it the first one about soundtracks. Stay tuned for the final four lessons next week.You can pre-order my NEWEST book, Procrastination Proof, right now!In This Episode:Grab your very own Soundtracks: The Conversations Card DeckMake sure to follow me on Instagram and share with your friends!Keep up with my book list on GoodReads!Sign up for my newsletter, Try This!Book me to speak at your event or to your team!You can grab a copy of my book All It Takes Is a Goal from your favorite bookstore or at my website!Episode Artwork Photo by Jacek Dylag on UnsplashHave me speak at your next event!

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

Your listing isn't selling? It's price, promotion, or presentation. In this week's Q&A episode, agents call in with real problems — wasted marketing spend, low-converting leads, and a condo sitting 116 days on the market — Luke, Josh, & the Acree Brothers Realty team walk them through how to fix each one. Learn how long ROI really takes, how to talk a seller into a price drop, and when vendors should enter the deal to save a falling escrow. Fast, tactical answers you can use today. You'll learn: ✔ How to stop wasting money on marketing platforms that don't convert✔ Why ROI often takes years (not months) — and how to survive the "float"✔ What to do when your listing sits for 116 days✔ The real way to avoid "annoying" prospects while doing effective lead gen✔ Why Facebook leads take 18+ calls and years of nurturing✔ How insurance & vendor partnerships SHOULD work (and where agents go wrong)✔ How belief, tonality, and confidence make or break your sales conversations ⁉️ Do YOU have a question you'd like us to answer on air? Send us an email at Podcast@ReminderMedia.com or shoot us a DM on Instagram https://www.instagram.com/staypaidpodcast

We sit down with Brad Burkhart, Market Development Specialist for Corteva Agriscience, to recap what really happened in the 2025 crop season — and what farmers should take forward into 2026.Brad walks us through the major trends he saw at harvest: disease pressure that showed up across multiple regions, waterhemp surges creeping from edge to row, and early-season conditions that made crop protection decisions more important than ever.We highlight the biggest “wins” of 2025, including real-world in-field results:• Forcivo™ fungicide:High pressure meant fungicide performance mattered. Brad shares field trial results — including one Iowa farm where combining Forcivo with Aproach® Prima delivered 49 bu/A more than untreated acres.• Resicore® REV & Kyro™ herbicides:Farmers leaned on flexible application windows, strong tank-mix compatibility, and long-lasting residuals. Brad shares how an Iowa grower again achieved 8 weeks of waterhemp residual with encapsulated acetochlor in Resicore REV.• Enversa™, Sonic® Boom & Kyber® Pro soy herbicides:Farmers needed solutions beyond dicamba. Brad highlights how Enversa and Enlist One® helped a Nebraska farm eliminate pigweed pressure — and how Sonic Boom and Kyber Pro performed with consistent, broad-spectrum activity and flexible timing up to V4/V5.• Tolvera® herbicide for cereals:A rare new active ingredient hit the market in 2025 — and cereal growers embraced it. Brad shares a Montana farm's success controlling kochia, narrowleaf hawksbeard and wild buckwheat while maintaining strong rotation flexibility.We close with actionable 2026 planning steps, including mapping problem areas, updating weed control programs, and using 2025 performance insights to maximize ROI next season.For more information on Corteva crop protection solutions, visit Corteva.com/us.Want Farm4Profit Merch?  Custom order your favorite items today!https://farmfocused.com/farm-4profit/ Don't forget to like the podcast on all platforms and leave a review where ever you listen! Website: www.Farm4Profit.comShareable episode link: https://intro-to-farm4profit.simplecast.comEmail address: Farm4profitllc@gmail.comCall/Text: 515.207.9640Subscribe to YouTube: https://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTok: https://www.tiktok.com/@farm4profitllc Connect with us on Facebook: https://www.facebook.com/Farm4ProfitLLC/ Want Farm4Profit Merch? Custom order your favorite items today!https://farmfocused.com/farm-4profit/ Don't forget to like the podcast on all platforms and leave a review where ever you listen! Website: www.Farm4Profit.comShareable episode link: https://intro-to-farm4profit.simplecast.comEmail address: Farm4profitllc@gmail.comCall/Text: 515.207.9640Subscribe to YouTube: https://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTok: https://www.tiktok.com/@farm4profitllc Connect with us on Facebook: https://www.facebook.com/Farm4ProfitLLC/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We sit down with Brad Burkhart, Market Development Specialist for Corteva Agriscience, to recap what really happened in the 2025 crop season — and what farmers should take forward into 2026.Brad walks us through the major trends he saw at harvest: disease pressure that showed up across multiple regions, waterhemp surges creeping from edge to row, and early-season conditions that made crop protection decisions more important than ever.We highlight the biggest “wins” of 2025, including real-world in-field results:• Forcivo™ fungicide:High pressure meant fungicide performance mattered. Brad shares field trial results — including one Iowa farm where combining Forcivo with Aproach® Prima delivered 49 bu/A more than untreated acres.• Resicore® REV & Kyro™ herbicides:Farmers leaned on flexible application windows, strong tank-mix compatibility, and long-lasting residuals. Brad shares how an Iowa grower again achieved 8 weeks of waterhemp residual with encapsulated acetochlor in Resicore REV.• Enversa™, Sonic® Boom & Kyber® Pro soy herbicides:Farmers needed solutions beyond dicamba. Brad highlights how Enversa and Enlist One® helped a Nebraska farm eliminate pigweed pressure — and how Sonic Boom and Kyber Pro performed with consistent, broad-spectrum activity and flexible timing up to V4/V5.• Tolvera® herbicide for cereals:A rare new active ingredient hit the market in 2025 — and cereal growers embraced it. Brad shares a Montana farm's success controlling kochia, narrowleaf hawksbeard and wild buckwheat while maintaining strong rotation flexibility.We close with actionable 2026 planning steps, including mapping problem areas, updating weed control programs, and using 2025 performance insights to maximize ROI next season.For more information on Corteva crop protection solutions, visit Corteva.com/us. Want Farm4Profit Merch? Custom order your favorite items today!https://farmfocused.com/farm-4profit/ Don't forget to like the podcast on all platforms and leave a review where ever you listen! Website: www.Farm4Profit.comShareable episode link: https://intro-to-farm4profit.simplecast.comEmail address: Farm4profitllc@gmail.comCall/Text: 515.207.9640Subscribe to YouTube: https://www.youtube.com/channel/UCSR8c1BrCjNDDI_Acku5XqwFollow us on TikTok: https://www.tiktok.com/@farm4profitllc Connect with us on Facebook: https://www.facebook.com/Farm4ProfitLLC/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Struggling to rent out your property despite your best efforts? You're not alone, and this episode is your essential guide to overcoming stubborn vacancies. Drawing on real stories and expert strategies from the women-focused WIIRE Community, we break down practical steps to get your property moving fast:Diagnose rental issues and know when to pivot strategiesAttract and keep tenants with creative incentives, ethical landlording, and effective listing auditsLearn why compassion and professionalism deliver returns—and stronger communitiesDecide when to convert, upgrade, or even sell your propertyUnderstand the importance of financial reserves and ongoing supportWe share personal experiences and those of female investors to explore how a collaborative approach fosters wealth and enhances neighborhoods. Additionally, access our free property management checklist and discover why you should join the WIIRE Community for valuable ideas, resources, and genuine support. Tune in and turn your challenges into new opportunities with the collective power of women in real estate.  Resources:Simplify how you manage your rentals with TurboTenantGet in touch with Envy Investment GroupGrab our property management checklistMake sure your name is on the list to secure your spot in The WIIRE Community Leave us a review on Apple PodcastsLeave us a review on SpotifyJoin our private Facebook CommunityConnect with us on Instagram

Are you tired of juggling everything on your own and feeling like you're constantly on the brink of burnout? Let's talk about how the right support can be a game-changer for you!   What you'll learn in this episode: Why a supported woman is an unstoppable woman and how to break free from exhaustion. The real return on investment (ROI) of support, beyond just motivation and cheerleading Tips for expanding your capacity and effectively managing your energy, even during busy seasons Practical strategies to stop procrastinating and reclaim your time, allowing you to focus on what truly matters   If you're tired of doing it all alone and ready to embrace a new way of thinking, feeling, and acting, this episode will inspire you to take the next step.  

This week we welcome back the dynamic duo of digital dentistry, Blake Roney and Patrick Dewey from S.I.N. 360 (https://sin360.us/) (Simplicity • Innovation • Nanotechnology) for a massive deep dive into implants, photogrammetry, and the ever-evolving world of full-arch workflows. Since their last visit in 2022, Blake has gone from new kid on the block to full-blown Exocad (https://exocad.com/) educator, and Patrick breaks down how S.I.N. has doubled down on innovation across implants, CAD/CAM, and photogrammetry. The guys walk us through the new Versalis implant line (https://sin360.us/versalis/), why one connection for all indications is a big deal for labs, and how S.I.N. is pushing efficiencies for high-volume, complex full-arch clinicians. Then comes the star of the show: the MicronMapper (https://sin360.us/micronmapper/)—a lighter, faster, more accurate photogrammetry system that doesn't just capture implants but verifies manufacturing accuracy, scans soft tissue, and reduces surgical guesswork. Blake breaks down real-world accuracy numbers, what RMSE actually means, why intraoral scanners aren't cutting it for full-arch, and how FitCheck is saving labs from misfires, wasted zirconia, and bad days. They also reveal the newest frontier: Tissue Mapper, a photogrammetry-based, scanner-free workflow that pulls bite, tissue, and implant data without fiducials or messy post-op scans. It's nerdy, innovative, and ridiculously cool for the high-volume teams ready to level up. If you love accuracy, numbers, full-arch workflows, or just really good dental tech nerding — this is your episode. Happy Holidays from Ivoclar! As the year comes to a close, all of us at Ivoclar want to extend our heartfelt gratitude to the incredible Voices From the Bench community. Thank you for your partnership, your trust, and the support you've shown throughout the year. From our Ivoclar family to yours, we wish you a joyful, healthy, and safe holiday season. May your days be merry, your nights be bright, and your smiles shine like freshly fallen snow. Ho, ho, ho — Happy Holidays from Ivoclar! Big news is coming your way in the world of CAM. Our friends at Ivoclar have teamed up with FOLLOW-ME! Technology (https://www.follow-me-tech.com/) to bring the Ivotion Denture System (https://www.ivoclar.com/en_us/products/digital-processes/ivotion) into the HyperDent CAM (https://www.follow-me-tech.com/hyperdent/) workflow. That's right—your favorite pre-shaded, two-layer Ivotion discs, the ones that let you design and mill a complete denture in one seamless process with no bonding and no mess, are now moving beyond closed systems. Thanks to this new partnership, Ivotion can finally be milled on open machines through HyperDent. And it gets better: you'll first see this powerful workflow available on the Roland DWX-53 series mills (https://www.rolanddga.com/products/dental/dwx-53d)—already a staple in so many labs—as well as the Imagine iMills (https://www.imagineusa.com/legacy/s/mills/imill). If you've been waiting for a faster, cleaner, more flexible way to produce full dentures, this is it. Ivoclar and FOLLOW-ME! just made the future of denture manufacturing wide open. Get ready—HyperDent is about to change the way you mill Ivotion. Year-end chaos is here. Labs are slammed, deadlines are brutal, and mistakes are not an option. That's when dental technicians rely on the one thing that never quits: https://www.rolanddga.com/applications/dental-cad-cam. The DWX-53DC (https://www.rolanddga.com/products/dental/dwx-53dc-5-axis-dry-dental-milling-with-automatic-disc-changer) is a true workhorse—24-hour automated milling that keeps your lab running, your overhead down, and your ROI up. No redos. No downtime. Just consistent, precise results. Built on decades of Japanese engineering, Roland delivers the reliability that keeps labs sane, profitable, and on schedule. Finish the year strong with the mill you can trust. Choose Roland DGSHAPE. Precision. Reliability. Performance. Learn more at rolanddga.com Special Guests: Blake Roney and Patrick Dewey.

As long listeners of this podcast know, there's few things that tick us off more than the retail media team and ecommerce team, and even supply chain, not finding a way to work together towards a single shared goal for max ROI. But that's because it's really hard. Our guest today, Jack Lindberg, Head of Product Strategy & Design at Shalion, has been working intensely on how teams can do some silo-busting armed with the right framework, data, and aligned incentives.

Jim Trueblood doesn't just run a brokerage—he runs the largest Zillow and Realtor.com partner in Indiana, and he's just getting started. In this episode, James and Keith dig into how Jim scaled from solo agent to leading 225 agents across Indiana and Kentucky, with $750M in production and a bold approach to growth. From tech stack precision to lead gen discipline, Jim shares what it really takes to scale in today's market. You'll hear how he: Bought all the leads (and maxed every contract) Held on through sleepless nights and startup chaos Uses physical offices as brand statements Sets clear standards for agent performance Audits lead ROI like a boss It's honest, tactical, and full of sharp Midwest wisdom for anyone who wants to grow without apology. Give your clients the competitive edge with Zillow's Showcase. Discover how this exclusive, immersive media experience—featuring stunning photography, video, virtual staging, and SkyTour—helps agents drive more views, saves, and shares. Agents using Showcase on the majority of their listings on Zillow list 30% more homes than similar non-Showcase agents. Learn how to stand out and become the agent sellers choose. https://www.zillow.com/agents/showcase/   Connect with Jim on LinkedIn.   Learn more about Trueblood Real Estate on Facebook - Instagram and online at truebloodre.com.   Subscribe to Real Estate Insiders Unfiltered on YouTube! https://www.youtube.com/@RealEstateInsidersUnfiltered?sub_confirmation=1   To learn more about becoming a sponsor of the show, send us an email: jessica@inman.com You asked for it. We delivered. Check out our new merch! https://merch.realestateinsidersunfiltered.com/   Follow Real Estate Insiders Unfiltered Podcast on Instagram - YouTube, Facebook - TikTok. Visit us online at realestateinsidersunfiltered.com.   Link to Facebook Page: https://www.facebook.com/RealEstateInsidersUnfiltered Link to Instagram Page: https://www.instagram.com/realestateinsiderspod/ Link to YouTube Page: https://www.youtube.com/@RealEstateInsidersUnfiltered Link to TikTok Page: https://www.tiktok.com/@realestateinsiderspod Link to website: https://realestateinsidersunfiltered.com This podcast is produced by Two Brothers Creative. https://twobrotherscreative.com/contact/  

Some conversations feel scripted. This one… absolutely did not. Larry Robbins walked in ready to talk life, passion, family, culture, workholding, philosophy, and whatever else popped into his head — and somehow it all connected back to manufacturing. This episode of MakingChips is one of the most unhinged, hilarious, honest, and wisdom-packed conversations we've ever recorded. Larry has been in the industry for nearly 46 years, and he's collected enough stories, scars, and laughs for ten careers. From his father dragging him into the business ("long hair doesn't work here") to his famous explanation that SMW makes "magic hands," Larry blends humor and experience into lessons every shop owner needs to hear. His passion for the industry is unmatched — and his candor is even better. Throughout the episode, the crew dives into culture, leadership, lying (don't), modularity, flexibility, high-density workholding, predictable setups, financing equipment, and why you should stop crawling across a dollar to pick up a dime. Larry opens up about the future of manufacturing, warns against bad advice, and reminds everyone that machining touches every single thing in the world. If you're ready for an episode that's equal parts educational and unhinged in the best possible way, buckle up — Larry Robbins is in rare form. Segments (1:00) Larry's background, early failures, and the stories that shaped his approach to leadership (3:31) An investment in ProShop is an investment in your business (3:32) Culture, loving your work, and leadership lessons (5:07) Entering the family business, retirement humor, and long-term commitment (7:23) The reality of workplace culture, honesty, and handling difficult employees (10:02) Integrity, truth-telling, and early lessons on character (13:18) Appreciating machinists and the unseen parts of manufacturing (15:05) Workholding vs. cutting tools and why workholding matters more than people think (16:09) "Magic hands" — Larry's explanation of workholding for a 5-year-old (17:20) Workholding misconceptions and the cost of poor setups (19:00) Vendor trust, trying equipment, and choosing partnerships wisely (20:22) Setup reduction, rigidity vs. flexibility, and predictable processes (22:12) Cutting 12-hour setups and the value of internal vs. external setups (24:16) Why we love Phoenix Heat Treating for Outside Processing (25:24) Expensive machines + cheap vices = lost potential (27:26) Modular workholding, infinite adjustment, and the origins of the industry (29:18) When not to sell a customer — long-term trust over short-term gain (30:19) Why shops "don't know what they don't know" about proper workholding (31:58) Financing workholding and proving ROI to shop owners (33:09) Tooling certs and buying the solution, not just the machine (35:24) High-density workholding and maximizing machine real estate (37:12) Protecting customers from bad investments and the role of good vendors (38:01) The LEGO analogy and building reusable workholding systems (40:13) Trusting experts and using the right resources in decision-making (41:19) Grow your top and bottom line with CliftonLarsonAllen (CLA) (41:57) Buzzwords like Industry 4.0 vs. solving real problems (43:49) Competing with global labor costs and running unattended (44:19) Extending the life of old machines with better processes (46:41) Universal truth: If you're not making chips, you're not making money  Resources mentioned on this episode Connect with Larry Robbins and SMW Autoblok An investment in ProShop is an investment in your business Why we love Phoenix Heat Treating for Outside Processing Grow your top and bottom line with CliftonLarsonAllen (CLA) Smart Money Moves: Equipment Financing Tips with Ty Willis Connect With MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube

Big news, friends! We are officially heading into a brand new year of marketing, and if you're a family photographer still relying only on Instagram (or whatever the next trendy platform is), this episode is your gentle nudge: it's time to bring email marketing into your 2026 strategy.In today's episode—which originated as a YouTube video—you'll learn why email marketing continues to outperform every other marketing channel, why it future-proofs your family photography business, and how it helps you book more clients with less stress. Plus, at the end of the episode, I'm sharing why Flodesk is my #1 recommendation for photographers who want simple, beautiful, effective email marketing without overwhelm.Whether you're brand new to email marketing or you've been dragging your feet for years (it's okay, I see you!), this episode will give you the clarity and motivation you need to start strong in 2026.Resources & Links Mentioned In This Episode▸ Read the full blog post that goes with this episode (that way, you get all the links mentioned): https://systemsandworkflowmagic.com/email-marketing-for-family-photographers/▸ Watch the YouTube video version of this Podcast: https://youtu.be/5FWPcr3BzAA▸ Get 25% OFF on Flodesk here: https://flodesk.com/c/DOLLYDELONGEDUCATION▸ Join the Family Photographer's Marketing Society: https://systemsandworkflowmagic.com/the-family-photographers-marketing-societyConnect with Dolly DeLong Education

Cassie Young brings hard earned lessons from a career spanning CRO roles, customer success leadership, turnarounds, and now investing as a General Partner at Primary Venture Partners. She talks about building and rebuilding go to market teams, why sometimes you should fire customers on purpose, and how churn is a lagging indicator that hides deeper retention issues. Cassie shares strong views on overrated metrics like NPS, the incentives that actually drive behavior inside a business, and the myth of finding one perfect KPI. She also brings signature Cassie isms like sunlight is the best disinfectant and the reminder that leaders often get stuck working in the business instead of on it offering practical insights for anyone trying to keep their SaaS metrics from going sideways.—SPONSORS:Aleph automates 90% of manual, error-prone busywork, so you can focus on the strategic work you were hired to do. Minimize busywork and maximize impact with the power of a web app, the flexibility of spreadsheets, and the magic of AI. Get a personalised demo at https://www.getaleph.com/runFidelity Private Shares is the all-in-one equity management platform that keeps your cap table clean, your data room organized, and your equity story clear—so you never risk losing a fundraising round over messy records. Schedule a demo at https://www.fidelityprivateshares.com and mention Mostly Metrics to get 20% off.Sage Intacct is the cloud financial management platform that replaces spreadsheets, eliminates manual work, and keeps your books audit-ready—so you can scale without slowing down. It combines accounting, ERP, and real-time reporting for retail, financial services, logistics, tech, professional services, and more. Sage Intacct delivers fast ROI, with payback in under six months and up to 250% return. Rated #1 in customer satisfaction for eight straight years. Visit Sage Intacct and take control of your growth: https://bit.ly/3Kn4YHtMercury is business banking built for builders, giving founders and finance pros a financial stack that actually works together. From sending wires to tracking balances and approving payments, Mercury makes it simple to scale without friction. Join the 200,000+ entrepreneurs who trust Mercury and apply online in minutes at https://www.mercury.comRightRev automates the revenue recognition process from end to end, gives you real-time insights, and ensures ASC 606 / IFRS 15 compliance—all while closing books faster. For RevRec that auditors actually trust, visit https://www.rightrev.com and schedule a demo.Tipalti automates the entire payables process—from onboarding suppliers to executing global payouts—helping finance teams save time, eliminate costly errors, and scale confidently across 200+ countries and 120 currencies. More than 5,000 businesses already trust Tipalti to manage payments with built-in security and tax compliance. Visit https://www.tipalti.com/runthenumbers to learn more.—LINKS:Cassie on LinkedIn: https://www.linkedin.com/in/cassyoung/Primary Venture Partners: https://www.primary.vc/CJ on LinkedIn: https://www.linkedin.com/in/cj-gustafson-13140948/Mostly metrics: https://www.mostlymetrics.com—RELATED EPISODES:Getting fired 4 times made me a founder | Sam Jacobs of Pavilionhttps://youtu.be/8X-JVOF-1A0—TIMESTAMPS:00:00:00 Preview and Intro00:02:30 Sponsors Aleph | Fidelity Private Shares | Sage Intacct00:05:21 Returning From Pavilion & GTM Summit Takeaways00:06:49 What Makes a Great Executive00:11:07 The Importance of True P&L Fluency00:12:17 First Team Leadership vs Functional Loyalty00:13:33 Reading the Macro Environment and Market Forces00:14:29 Sponsors Mercury | RightRev | Tipalti00:18:26 Applying First Team Leadership in Practice00:22:24 Churn as a Lagging Indicator00:24:23 Finding Real Leading Indicators of Renewal00:25:30 Customer Value as the Only Path to Enterprise Value00:26:52 Product Adoption Perception and Retention00:29:16 Price to Value Ratio as a Predictor of Guaranteed Churn00:30:37 The Ultimate Question What Gets Your Customer Promoted00:32:33 How NPS Is Actually Calculated00:34:56 Sailthru's Minus 26 NPS and What It Signaled00:37:31 Rebuilding Customer Trust Through Transparency00:40:24 Why Net and Gross Retention Must Be Paired00:42:51 Aligning the Executive Team Through a Unified Bonus Plan00:45:18 Firing Customers When Misaligned Segments Drain the Org00:49:35 Carrot vs Stick How to Motivate a Modern GTM Org00:52:31 Why MBO Plans Fail CSMs01:03:51 Why Time to Value Matters More Than Ever#RunTheNumbersPodcast #CustomerSuccess #ChurnPrevention #GoToMarket #VentureCapital This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit cjgustafson.substack.com

Dans cet épisode, Benofx se retrouve plongé au cœur des intrigues dans Le Dilemme du Roi, Flavien tente sa chance sous les néons étincelants de Vegas Strip, et Kurts bâtit, calcule et verrouille des territoires dans Carcassonne : The Castle.

When you were a kid, having an imaginary friend was harmless, maybe even healthy. But as a business owner? That imaginary friend can tank your marketing. Too many businesses build their strategy around an avatar that looks neat on paper but has nothing to do with the real people who buy from them. In this episode of *More Than a Few Words*, Rachel Allen and I dig into why client avatars often miss the mark and what you can do instead. **Key Insights** • Demographics alone are useless. Age, gender, and job title won't tell you what keeps someone awake at 3 a.m. Worries and motivations matter more than surface stats. • Your best customers live at the intersection of three groups: the people you want to talk to, the ones you actually attract, and the ones willing to pay. That sweet spot is your marketing home base. • Data flattens people into averages. Great marketing leans into quirks, because quirks are what make your audience pay attention. **Actionable Takeaways** • Swap demographics for psychographics. Go deeper into what your audience values, fears, and hopes for. • Talk to 10 or 20 real people. Forget long surveys. Short, human conversations reveal more than a polished PDF ever will. • Audit your own copy. Ask yourself, “Would I say this sentence out loud to the last customer I spoke with?” If the answer is no, rewrite it. • Bring in an outside perspective. A trusted colleague, a coach, even a tool like ChatGPT can help you see blind spots you can't catch alone. • Don't shy away from edges. The quirky details that make your audience unique are the ones that make your marketing memorable. If you're still writing for your imaginary friend, this conversation is your wake-up call. Stop talking to make-believe customers and start connecting with the real ones who are ready to listen.   About Rachel Allen  Rachel Allen is a fast-thinking, deeply nerdy marketer with broad-ranging experience in for-profit and non-profit sectors. She's written for some of the biggest (and smallest) names in business, and excels at marketing that's equal parts data-driven and human-centered. Having run a marketing business for 17 years with clients in 21+ countries, Rachel's written for some of the top names in entrepreneurship, as well as influencers, brick-and-mortar businesses, and non-profits around the world. Her work has contributed directly to high-ROI launches, leaps in audience engagement, industry awards, relationships with top venture capital firms, and national-level honors. Find out more at boltfromthebluecopywriting.com  

Did you know that over half of Fortune 500 companies from 2003 no longer exist today? And that 75% of businesses fail within 10 years? The difference between those that vanish and those that thrive? Innovation. In this episode, Huyen dives into the single most important thing your clinic needs to keep doing to ensure sustainable success over the next decade. You'll hear real-world examples (like Nokia, Kodak, and Blockbuster), practical strategies to start innovating immediately, and low-cost ways to stand out in a competitive healthcare market. ✅ Learn how to: Identify and improve the weakest areas of your clinic—quarter by quarter Leverage AI and automation to improve patient follow-up and booking rates Boost trust with stronger before/after visuals and testimonial videos Build systems that nurture patient relationships and generate referrals Attract top talent by innovating your workplace culture Use a CRM to track marketing ROI and streamline your growth

Was the 2025 Bitcoin top a failure? We analyze why $126k felt underwhelming, compare BTC returns against Gold and the S&P 500, and discuss Meltem Demirors' thesis on why TradFi is beating DeFi. Plus, why institutional adoption might be making crypto boring. Today, we unpack the "underwhelming" 2025 bull market. Was $126k really the top? We dive into the data showing Bitcoin's 4-year ROI is virtually indistinguishable from the S&P 500 and Gold. We also break down Meltem Demirors' viral thread on why "Proof of Stake was a mistake", how TradFi revenue has officially flipped DeFi, and why the meme coin supercycle left retail investors empty-handed. Subscribe to the newsletter! [https://newsletter.blockspacemedia.com](https://newsletter.blockspacemedia.com) Notes: * BTC 4yr ROI: 12% vs Gold 10% * TradFi Rev $9.1B vs DeFi $9B * BTC Range: $70k-$100k for 2 yrs * '21 Inflation Adj Peak: $84k * BTC Down 2.6% in 12 Months * 2025 Bitcoin Top: $126k Timestamps: 00:00 Start 02:02 Have you seen my bull run? 10:05 Meltem's Thread 16:26 Maker DAO 24:37 Proof of Mistake -

The newest data from the Real Estate Staging Association just dropped for Q2 and Q3, and I need to share something with you that honestly broke my heart a little bit when I saw it. The ROI numbers? Absolutely extraordinary. We're talking about the kind of returns that would make any financial advisor pause and say, "Wait, are we talking about a Ponzi scheme here?" But here's what got me: The average staging investment sits under $5,000. A $3,800 to $4,300 investment producing anywhere from $58,000 to $100,000 in additional seller equity. Now, I'm not sharing this to make you feel bad about your pricing or to pressure you into arbitrary price increases. This isn't about comparison or judgment. But when you place those incredible ROI numbers next to what our industry is charging on average, it creates a powerful moment for reflection. So today's conversation is really about one question: Does the price I charge reflect the value I create? In this episode, I'm walking you through the latest RESA statistics, breaking down the neuroscience behind why pricing feels so hard and inviting you to start tracking your own data so you can price from confidence instead of fear. Afterall. We are entering into a new season and better now than ever.   WHAT YOU'LL LEARN FROM THIS EPISODE: The staggering new staging ROI numbers from Q2 and Q3 and why they matter more than ever. Why many staging CEOs undercharge from outdated brain patterns. How to build your own staging statistics and stop relying on national averages to justify your pricing. A reflection framework to help you assess alignment between your pricing and the outcomes you create.   RESOURCES:   Apply for Private Coaching: www.rethinkhomeinteriors.com/privatecoachingapp Enroll in Staging Business School Accelerate Track: www.rethinkhomeinteriors.com/accelerate Join the Staging Business School Growth Track Waitlist: www.rethinkhomeinteriors.com/growth Follow the Staging Business School on Instagram: www.instagram.com/stagingbusinessschool Follow Lori on Instagram: www.instagram.com/rethinkhome If you want to learn how to streamline your operations so you can grow with less stress and burnout in your staging business, enrollment is open for Staging Business School Accelerate Track. I'd love to see you in the classroom!   ENJOY THE SHOW? Leave a 5-star review on Apple Podcasts so that more Staging CEOs find it. Also, include links to your socials so that more Staging CEOs can find you. Follow over on Spotify, Stitcher, Amazon Music, or Audible

This episode introduces emotional ROI and shows leaders how small interactions create lasting cultural outcomes. Listeners learn how to track their impact and deliver energy rich conversations that build stronger teams.Host: Paul FalavolitoConnect with me on your favorite platform: Facebook, Twitter, Instagram, TikTok, LinkedIn, Substack, BlueSky, Threads, LinkTree, YouTubeView my website for free leadership resources and exclusive merchandise: www.paulfalavolito.comBooks by Paul FalavolitoThe 7 Minute Leadership Handbook: bit.ly/48J8zFGThe Leadership Academy: https://bit.ly/4lnT1PfThe 7 Minute Leadership Survival Guide: https://bit.ly/4ij0g8yThe Leader's Book of Secrets: http://bit.ly/4oeGzCI

Here's the problem with most frugality advice: it makes you feel like a monk who's taken a vow of joylessness. Joe Saul-Sehy and Neighbor Doug gather the roundtable crew—Paula Pant (Afford Anything), Jesse Cramer (Personal Finance for Long-Term Investors), and Andy Hill (Marriage, Kids, and Money)—to prove that frugality isn't about deprivation. It's about designing a life that feels good and costs less. The conversation gets real fast: what's the difference between thoughtful frugality and soul-crushing penny-pinching? How do you cut spending without cutting joy? And why do some people thrive on frugal challenges while others just end up resentful and burnt out? The crew shares their own tactics, from "shopping your fridge" (a shockingly high-ROI habit most people ignore) to the power of frugal sprints instead of permanent deprivation mode. They break down how to align your spending with your actual values instead of society's expectations, why raising income often beats shaving another $3 off your grocery bill, and how to turn frugality into something your kids actually want to participate in (no guilt trips required). You'll also hear about the expenses each of them refuses to cut no matter how frugal they get, because smart money management isn't about eliminating everything; it's about keeping what matters and ditching what doesn't. Plus: stories about mystery freezer leftovers, subscription fees that sneak in like cat burglars, and Doug's perspective on... well, whatever Doug decides matters that day. What You'll Walk Away With: • The difference between frugality that improves your life and penny-pinching that just makes you miserable • Why "shopping your fridge" might be the highest-return grocery habit you'll ever adopt • How to design spending around your actual values instead of just cutting blindly • The power of "frugal sprints"—short-term challenges that work without long-term burnout • How to involve your kids in frugal habits without making them feel deprived • Why focusing on raising income often matters more than obsessing over tiny budget cuts • Which expenses the pros refuse to cut—and why knowing your "worth it" list matters This Episode Is For You If: • You want to save money but refuse to live like you're broke when you're not • Traditional frugality advice makes you feel guilty about things that actually bring you joy • You're trying to cut spending but can't figure out where to start without feeling deprived • You want to model smart money habits for your kids without making them fear spending • You're tired of finance advice that assumes everyone should want the same lifestyle Before You Hit Play, Think About This: What's the one expense you refuse to cut, no matter how frugal you get? And what does that tell you about what actually matters to you? Drop your answer in the comments—we want to know what's on everyone's "worth it" list. FULL SHOW NOTES: https://www.stackingbenjamins.com/how-to-save-money-without-making-your-life-miserable-sb1770/ Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.StackingBenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

How can you scale AI at the enterprise, yet still hit your climate goals? And can heavy AI usage and an enterprise's ESG mission co-exist? Ashutosh Ahuja lays it out for us. Aligning AI With Climate And Business Goals -- An Everyday AI Chat with Jordan Wilson and Ashutosh AhujaNewsletter: Sign up for our free daily newsletterMore on this Episode: Episode PageJoin the discussion:Thoughts on this? Join the convo and connect with other AI leaders on LinkedIn.Upcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTopics Covered in This Episode:AI's Environmental Impact and Climate ConcernsCompanies Aligning AI with ESG GoalsAI Adoption Versus Carbon Footprint TradeoffsMetrics for Measuring AI's Environmental ImpactBusiness Efficiency Gains from AI AdoptionReal-World Examples: AI Offsetting Carbon FootprintIndustry Opportunities for Sustainable AI IntegrationFuture Trends: Efficient AI Models and Edge ComputingTimestamps:00:00 Everyday AI Podcast & Newsletter05:52 Balancing Progress and Legacy07:03 "Should Companies Limit AI Usage?"12:02 "Sentiment Analysis for Business Growth"17:07 "Energy Efficiency Impacts ESG Metrics"19:40 Robots, Energy, and AI Opportunity21:41 AI Efficiency and Climate Balance25:04 "Trust Instincts in Investments"Keywords:AI and climate, climate goals, aligning AI with ESG, environmental impact of AI, carbon footprint, energy use in AI data centers, water cooling for GPUs, sustainable business practices, enterprise AI strategy, ESG compliance, climate pledges, AI adoption in business, carbon footprint metrics, machine learning for sustainability, predictive analytics, ethical AI, green AI solutions, renewable energy sector, AI in waste management, camera vision for waste sorting, delivery robots, edge AI, small business AI implementation, AI efficiency, sentiment analysis, customer patterns, predictive maintenance, IoT data, auto scaling, cloud computing, resource optimization, SEC filings, brand sentiment tracking, LLM energy consumption, environmental considerations for AI, future of AI in climate action, business efficiency, human in the loop, philanthropic business practices, sustainable architecture, large language models and climate, tech industry climate initiatives, AI-powered resource savings, operational sustainability.Send Everyday AI and Jordan a text message. (We can't reply back unless you leave contact info) Ready for ROI on GenAI? Go to youreverydayai.com/partner 

Franchise Fit Podcast (formerly Eye on Franchising) returns with a powerhouse episode on the future of influencer marketing in franchising — featuring two industry icons: Angela Olea (Founder & CEO, Sweet Influencers) and Liberty Bernal (President & COO, Sweet Influencers).If you've ever wondered how AI, micro-influencers, and real UGC content will transform franchise growth, this is your episode.From the early days of Blackberries, Yellow Page ads, and landlines to AI-powered influencer campaigns… marketing has changed forever. And Sweet Influencers is leading the next wave.Whether you're a franchisor, franchisee, or future business owner — this episode reveals how influencer marketing REALLY works, how campaigns are matched to the right audience, why micro-influencers drive massive ROI, and how AI now predicts what content will actually convert.This episode is sponsored by SEO Samba — AI-Driven, Predictable Franchise Marketing Success.

Hoy Paco y Roi hablan de algunas profesiones en las que los clientes pagan su frustración con los trabajadores.

In this power-packed episode, Mike Stiers of Greenbaum Stiers shares his battle-tested marketing playbook that took his company from startup to multi-million-dollar success using a mix of digital ads, direct mail, referrals, and local domination strategies. Whether you're just starting out or scaling an established lawn care business, you'll walk away with actionable, high-ROI tactics you can implement this week to attract better clients and fill your schedule faster than ever.

If you've ever thought "I'd love to run ads, but I just don't have the budget," this episode will help you see things differently. I break down a simple, practical way to plan for ads in 2026, especially if consistent visibility has been on your mind but feels out of reach financially. This episode is all about shifting ads from something you hope to afford…into something your business is designed to support. This Week on the Get Paid Podcast: Why $5/day is the most realistic and effective place to start How to treat ad spend like any other normal monthly business expense The long-term payoff of visibility ads (even when ROI isn't immediate) What budgeting for ads actually looks like inside a real business Mentioned in this episode: Register for the Dec 8 live class: 1,000 New Leads: Explode Your Audience with Easy Button Ads Absolute FB Ads enrollment (Dec 8–16) Get Paid Podcast Episode 326: Steph Crowder: How to Create Money Safety with a Spreadsheet Now it's time to GET PAID. Thanks for tuning into the Get Paid Podcast! If you enjoyed today's episode, head over to Apple Podcasts to subscribe, rate, and leave your honest review. Connect with me on Facebook, YouTube, and Instagram, visit my website for even more detailed strategies, and be sure to share your favorite episodes on social media. Now, it's time to go get yourself paid.  

If you send more follow up emails, you'll sell more stuff. The last report I saw was from Hubspot and it said email is the most profitable marketing channel online. It said email gets a 4,000% ROI. That's amazing. Especially since most people don't send follow up emails at all. Probably because writing email sequences is a PAIN. Until now. In this one, I show you exactly how to use AI to create killer email follow-up sequences that actually convert. You'll discover my 3-step process for creating AI email sequences that sound like YOU (not like AI). Plus I show you real results from my own campaigns. (6.76% conversion from leads I got for free.) The tool I used to create the entire email sequence is https://oJoy.ai You can try it for free if you want

Thanks to our Partners, NAPA TRACS, Today's Class, KUKUI, and Pit Crew Loyalty Watch Full Video Episode Shop owners, are you feeling burned out or stuck in the grind? This episode is for you. Shop owners Jimmy Alauria and Dave Kusa dive into how to pause, reflect, and reignite your passion for the business you built. Key takeaways: Think Bigger:Grow your business beyond what you can manage alone—empower your team and expand your vision.Evolve as a Leader:Stop being just a manager—step into the CEO role and watch your business thrive.Culture Matters:Set the tone, share your dream, and build a positive environment your team can rally around.Delegate & Recharge:Offload the hats you wear, hire strategically, and take time off to see the big picture.Balance Family & Business:Set boundaries to protect both your shop and your relationships. The truth? Falling in love with your business again starts with falling in love with your ability to lead it. Jimmy Alauria, 3A Automotive and Diesel Repair, Phoenix, AZ. Jimmy's previous episodes HERE Dave Kusa, AutoTrend Diagnostics in Campbell, CA. Listen to Dave's other episodes HERE Thanks to our Partner, NAPA TRACS NAPA TRACS will move your shop into the SMS fast lane with onsite training and six days a week of support and local representation. Find NAPA TRACS on the Web at http://napatracs.com/ Thanks to our Partner, Today's Class Optimize training with Today's Class: In just 5 minutes daily, boost knowledge retention and improve team performance. Find Today's Class on the web at https://www.todaysclass.com/ Thanks to our Partner, KUKUI Stop juggling multiple marketing tools. KUKUI's integrated platform delivers 4x better website conversions, automated follow-up, and real-time ROI tracking. Get industry-leading customer support with KUKUI at https://www.kukui.com/ Thanks to our Partner, Pit Crew Loyalty You're probably tired of chasing new customers who never return. We understand. Pit Crew Loyalty ends the one-and-done cycle, turning first visits into lasting, reliable revenue at https://www.pitcrewloyalty.com/...

Today's guest is Cody Barrow, CEO at EclecticIQ. EclecticIQ is a global cybersecurity leader specializing in threat intelligence technology. Cody joins Emerj Editorial Director Matthew DeMello to discuss how AI-driven analytics and automation are revolutionizing threat detection and response in enterprise cybersecurity. Barrow also highlights practical improvements in workflow automation, early threat identification, and measurable ROI through reduced breach risks and operational efficiency. This episode is sponsored by EclecticIQ. Learn how brands work with Emerj and other Emerj Media options at emerj.com/ad1. Want to share your AI adoption story with executive peers? Click emerj.com/expert2 for more information and to be a potential future guest on the 'AI in Business' podcast!

durée : 00:56:15 - Autant en emporte l'Histoire - par : Stéphanie Duncan - André Isaac, alias Pierre Dac, français et juif, roi des loufoques et poète de l'absurde, homme de cabaret et de radio, humoriste très populaire est aussi dès les années 30 un antihitlérien convaincu. Homme traqué en 1940 il atteindra son but 3 ans plus tard : rejoindre la France libre à Londres. - invités : Jacques Pessis - Jacques Pessis : Journaliste, écrivain - réalisé par : Anne WEINFELD Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Maribel Lopez reports live from AWS re:Invent 2025 in Las Vegas, unpacking why the AI experimentation phase is officially over. With statistics that say 95% of AI projects are failing and enterprise budgets tightening, 2026 demands production-quality AI—not more proof-of-concepts. This episode explores the critical shift from building agents to deploying them safely at scale.Key ThemesThe Reality Check (2025 Recap)MIT study reveals 95% AI project failure rateMcKinsey and BCG document widespread implementation strugglesBoard-level AI initiatives now demand real ROI, not just innovation theaterThe POC gold rush is over—experimentation budgets are drying upAgentic AI Grows Up The conversation has evolved from "can we build agents?" to "can we trust them in production?" Three critical roadblocks:Security & Orchestration: How agents interact without creating vulnerabilitiesPolicy & Governance: Preventing rogue agents and establishing guardrailsObservability: Real-time monitoring to ensure agents perform as intendedAWS re:Invent 2025 HighlightsAgent Core ImprovementsEnhanced policy frameworks defining agent boundaries and permissionsHuman-in-the-loop controls for high-stakes decisionsBetter cross-stack orchestration for multi-agent workflowsThe Discoverability ProblemAWS Marketplace now features natural language searchUpload requirements documents instead of filling rigid formsAI-suggested prompts help non-technical users navigate complex decisionsSmarter filtering for nuanced needs (performance vs. cost vs. compliance)The Full-Stack MaturityRecognition that AI "takes a village"—no single vendor owns the entire stackGrowing emphasis on open standards (A2A, MCP) for SaaS integrationTools designed for all skill levels, not just data scientistsKey TakeawayEnterprise AI in 2026 isn't about doing more—it's about doing it right. The winners will be organizations that prioritize governance, observability, and practical deployment over flashy demos.Host: Maribel LopezRecorded: AWS re:Invent, Las Vegas, December 2025Follow-up: Stay tuned for next week's deep-dive episode with demos and vendor interviews

Are you one of those agencies that spend impulsively, based on gut feeling, or delay investments out of fear and uncertainty?In this episode of the Agency Blueprint podcast, I explain how agency owners can use operational budgets as a growth tool instead of just a tracking sheet. I further explain how to structure budgets around multiple outcomes—flat (if nothing changes), trend-based (aligned with current growth trajectory), and goal or stretch budgets (aimed at ambitious targets). Don't miss this episode to learn how to weigh investments using a risk-to-value calculus, prioritize based on ROI, and know when to greenlight or cut an initiative.Key Questions:[00:33] Are you spending intentionally to grow your agency or just burning through cash without a clear ROI?[03:43] Are your budgets simply tracking expenses, or are they guiding your strategic decisions?[08:15] How do you prioritize which investments to make first when several opportunities compete for your resources?What You'll Discover: [01:20] The concept of using multiple budget scenarios—flat, operational, goal, and stretch—to create a growth-ready plan.[02:02] The importance of aligning budgets with business trends rather than relying solely on past performance.[03:43] Understanding that budgets are not just for tracking, they are tools to guide decision-making and strategy.[04:50] The “risk-to-value calculus” to evaluate investments in people, tools, or new services.[06:40] The importance of setting clear timelines to measure whether an investment is working or if it should be cut.[08:15] How to prioritize competing investment opportunities by weighing ROI, time cost, and likelihood of success.[10:47] How to reverse-engineer growth goals into budgets by mapping revenue sources, retention rates, and hiring needs.

This is Part 2 of our conversation with Dr. Zwade Marshall and the final episode for a while as Dr. Disha begins a new chapter, opening her own Direct Primary Care practice. Dr. Zwade Marshall is an Emory and Harvard trained anesthesiologist, interventional pain specialist, CMO of Regenerative Spine and Pain Specialists, and co-founder and CEO of Doc2Doc Lending, a lending platform created by doctors for doctors. In this closing installment, Dr. Marshall explains what it truly means for physicians to make empowered decisions when opening, financing, and building their own practice. He shares the financial pitfalls many doctors overlook, the importance of understanding market demographics, and how tools such as Tenant Improvement Allowance and ownership-based tax benefits can significantly shape long-term wealth for private practice physicians. If you are planning to open a clinic, transition into DPC, or simply want to understand practice financing more clearly, this episode offers practical guidance that medical training rarely covers. Key Topics Covered: 1. How empowered doctors make empowered decisions Why physicians must learn to evaluate risk, financing, long-term ROI, and operational decisions with the same confidence they use in clinical care—and how that mindset shift changes everything. 2. Financing your own medical practice Understanding budget allocations, startup capital, cost projections, and what you should (and shouldn't) take on debt for when building your practice from scratch. 3. The Market Demographic Survey What a demographic report actually tells you, how it affects patient volume and payer mix, and why it's one of the most critical early steps in choosing your practice location. 4. Tenant Improvement Allowance (TIA) What TIA is, how landlords use it to attract medical tenants, how much you can negotiate, and how it reduces upfront buildout costs for new practice owners. 5. Why owning your medical practice building is a long-term wealth strategy The tax benefits, equity growth, and stability that come with being your own landlord—and why many physicians only realize these advantages too late in their careers. 6. Financing (How do doctors get capital?) Especially when they don't have revenue yet. Listener Takeaways: The mindset shifts required to become an empowered, financially confident physician How to allocate budget and financing when opening a practice Why demographic surveys are essential for choosing the right location How Tenant Improvement Allowances work and how to negotiate them The long-term tax benefits and wealth advantages of owning your practice property How platforms like Doc2Doc support physicians with smarter, physician-centered lending Real-world financial advice every doctor should know before launching a private practice or DPC model Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guest: Dr. Zwade Marshall, CEO of Doc2Doc Lending   This episode is brought to you by Doc2Doc Lending. Doc2Doc Lending offers personal loans up to $100,000 for doctors — designed to help you consolidate debt, invest in your goals, or get ahead financially. Founded by doctors for doctors, we make funding simple, transparent, and tailored to the medical community. Visit their website at: https://www.doc2doclending.com/personal-loans-for-physicians/?utm_source=FrugalPhysician&utm_medium=podcast&utm_campaign=FP   This episode is brought to you by Black Swan Real Estate, led by physician-investor Dr. Elaine Stageberg.  Dr. Stageberg, a Mayo Clinic–trained physician, together with her husband Nick, has spent years building Black Swan Real Estate into a diversified, large-scale portfolio now approaching half a billion dollars across 2,000 doors.  Now, through their Secure Freedom Fund, a 10% fixed rate of return offering, you can invest alongside them. The Secure Freedom Fund offers institutional-quality real estate opportunities—designed to deliver strong cash flow, long-term growth, and remarkable tax advantages.  This fund is uniquely structured so that each investor can tailor it to their own individual goals: a minimum investment of just $25,000, the ability to choose monthly cashflow distributions or to elect the compounding option for higher overall growth, the option to exit the fund on your timing, the flexibility to invest in your personal name, a trust, an LLC, or a retirement account, and so much more.  If you're an accredited investor who's ready to diversify beyond Wall Street and invest with experienced, trust worthy operators who've been exactly where you are, visit SecureFreedomFund.com today to learn more. From there, you can review the slides, watch the webinar, and even a book a call directly 1:1 with Dr. Elaine Stageberg.  That's SecureFreedomFund.com.

Episode 242 digs into the messy rollout of ChatGPT for Teachers and what it means for districts. We discuss the first‑in admin problem, educator verification (pay‑stub/DNS issues), SSO/SAML concerns, the 18‑month trial/pricing uncertainty, and whether OpenAI rushed the launch to capture market share. We also cover recent news: the FTC's action against Illuminate over a 2021 data breach and the Department of Education's tentative agreements to shift programs to other federal agencies. Plus Jeff from VIZOR joins to explain asset and device management features, repair workflows, and budgeting/ROI. ———— Sponsored by: Meter - meter.com/k12techtalk Visit meter.com/k12techtalk to book a demo!   Extreme Networks - dmayer@extremenetworks.com Fortinet - fortinetpodcast@fortinet.com Lightspeed - lightspeedsystems.com VIZOR - vizor.cloud/k12techtalk   ———— Join the K12TechPro Community (exclusively for K12 Tech professionals) Buy some swag (tech dept gift boxes, shirts, hoodies...)!!! Email us at k12techtalk@gmail.com OR our "professional" email addy is info@k12techtalkpodcast.com Call us at 314-329-0363 X @k12techtalkpod Facebook Visit our LinkedIn Music by Colt Ball Disclaimer: The views and work done by Josh, Chris, and Mark are solely their own and do not reflect the opinions or positions of sponsors or any respective employers or organizations associated with the guys. K12 Tech Talk itself does not endorse or validate the ideas, views, or statements expressed by Josh, Chris, and Mark's individual views and opinions are not representative of K12 Tech Talk. Furthermore, any references or mention of products, services, organizations, or individuals on K12 Tech Talk should not be considered as endorsements related to any employer or organization associated with the guys.

Episode 93 of Astonishing Healthcare features Susana Villegas Spillman, who brings over 20 years of health benefits plan management experience to the studio for a discussion about what works, what's broken, and what employer plan sponsors deal with day in and day out. This “unfiltered perspective” from the plan sponsor's seat is welcome and timely. If you're one of the increasingly large percentage of benefits directors, CHROs, CFOs, et al. out there looking to transition from a traditional benefits experience to a new, transparent, aligned, unified model, this episode is for you!Susana explains how a fragmented system fails members, and while we've evolved from the default “call the number on the back of the card” - which directs you to the emergency room - point solutions create more silos, and data is too scattered and stale to drive meaningful change. This forces employers to take control, which leads to her “most astonishing thing,” which is a critical reminder for every benefits leader: “Know what's in your contracts.”Episode 93 covers:The importance of centering the strategy around long-term goals and member experience (with ruthless accountability).The upside of unbundling services from carriers and using independent navigation partners to guide members to high-quality care; why culture fit and flexibility matter when evaluating vendors.Why qualitative measures of success offer a better gauge of program effectiveness vs. empty promises of ROI.The evolving role of benefits consultants, and how to evaluate consultant relationships.The outdated RFP processes and how to run a better RFP.GLP-1 coverage for weight loss.Related ContentHealth Benefits 101: The Importance of a Transparent PBM ModelWhy this benefit leader switched to a more modern, transparent PBMReplay - Unifying Medical and Pharmacy Benefits: The Blueprint for Better Employee Health and WellnessAH078 - More About Judi Health™ & the Unified Benefits Experience, with Dr. Sunil Budhrani and Mike TateCheck out our Health Benefits 101 ContentFor more information about Capital Rx and this episode, please visit Judi Health - Insights.

Send us a textBuyout nights are one of the most misunderstood tools in sports marketing. Some teams swear by them — others won't touch them with a ten-foot pole. In this episode, Jeremy breaks down exactly why buyout nights can be a revenue machine and a sponsor slam dunk… but also how they can quietly erode your ticketing strategy, overwhelm your operations, and reposition your brand as the “free entertainment option” in your community.You'll learn the financial upside, the hidden dangers, the operational realities, and a step-by-step framework for running buyout nights with intention — including the essential data capture, segmentation, bounce-back offers, and sponsor recaps that turn a one-night giveaway into long-term revenue.Whether you've done buyout nights for years or you're debating your first one, this episode gives you the guardrails you need to do them right.Key Topics Covered:✔ Why Buyout Nights Work — When They WorkGuaranteed revenue upfront, regardless of opponent, weather, or win-loss recordPerfect for teams in unpredictable climates or with volatile attendance rhythmsCreates a “manufactured” packed house that directly enhances game entertainmentStrengthens sponsor relationships through visibility, goodwill, and community impactFunctions as a massive sampling event for new or casual fansActs as one of the cheapest fan acquisition channels when data is captured properly✔ The Hidden Downsides Most Teams IgnoreTraining your market to wait for free tickets (the “coupon culture” problem)Risk of season ticket holders questioning their investmentFree/discounted attendees spend less, engage less, and convert lessTurning your brand into the low-price entertainment option in townSponsor expectations ballooning after their first successful buyout nightOperational meltdowns when attendance jumps from 2,000 to 7,000 unexpectedlyLost marketing value if fan data isn't collected every single time✔ Why Email & Contact Capture Is Non-NegotiableTurning “visitors” into “buyers” starts with having their informationFree ticket = free lead… only if you set the system up correctlySimple Google Form strategy: name, email, phone, zip, and one qualifying questionHow these leads power future meta audiences, family offers, and retargeting campaignsWhy collecting data turns buyout night into one of your highest ROI events of the seasonTimestamps00:00 — Introduction: Why buyout nights spark so much debate 01:30 — The benefits: guaranteed revenue, packed buildings, sponsor wins 04:02 — How buyout nights boost community goodwill and brand visibility 06:06 — The lead-generation opportunities teams often miss 09:02 — The downside: discount culture, low-value fans, and pricing damage 12:50 — Operational challenges when attendance explodes overnight 14:49 — The secret sauce: bounce-backs, segmentation, sponsor POP recaps 17:23 — Final takeaways: Intentional vs. accidental buyout nightsCall to ActionThinking about running a buyout night? Not sure how to price it, structure it, or avoid the pitfalls? Reach out and schedule a call — Jeremy can help you build a buyout straSports Marketing Machine on LinkedInSports Marketing Machine on InstagramBook a call with Jeremy from Sports Marketing Machine

Spencer Reagan leads R&D at Airia, working on secure AI-agent orchestration, data governance systems, and real-time signal fusion technologies for regulated and defense environments.Overcoming Challenges in AI Agent Deployment: The Sweet Spot for Governance and Security // MLOps Podcast #349 with Spencer Reagan, R&D at Airia.Join the Community: https://go.mlops.community/YTJoinInGet the newsletter: https://go.mlops.community/YTNewsletterShoutout to Airia for powering this MLOps Podcast episode.// AbstractSpencer Reagan thinks it might be, and he's not shy about saying so. In this episode, he and Demetrios Brinkmann get real about the messy, over-engineered state of agent systems, why LLMs still struggle in the wild, and how enterprises keep tripping over their own data chaos. They unpack red-teaming, security headaches, and the uncomfortable truth that most “AI platforms” still don't scale. If you want a sharp, no-fluff take on where agents are actually headed, this one's worth a listen.// BioPassionate about technology, software, and building products that improve people's lives.// Related LinksWebsite: https://airia.com/Machine Learning, AI Agents, and Autonomy // Egor Kraev // MLOps Podcast #282 - https://youtu.be/zte3QDbQSekRe-Platforming Your Tech Stack // Michelle Marie Conway & Andrew Baker // MLOps Podcast #281 - https://youtu.be/1ouSuBETkdA~~~~~~~~ ✌️Connect With Us ✌️ ~~~~~~~Catch all episodes, blogs, newsletters, and more: https://go.mlops.community/TYExploreJoin our Slack community [https://go.mlops.community/slack]Follow us on X/Twitter [@mlopscommunity](https://x.com/mlopscommunity) or [LinkedIn](https://go.mlops.community/linkedin)] Sign up for the next meetup: [https://go.mlops.community/register]MLOps Swag/Merch: [https://shop.mlops.community/]Connect with Demetrios on LinkedIn: /dpbrinkmConnect with Spencer on LinkedIn: /spencerreagan/Timestamps:[00:00] AI industry future[00:55] Use cases in software[05:44] LLMs for data normalization[11:02] ROI and overengineering[15:58] Street width history[20:58] High ROI examples[25:16] AI building challenges[33:37] Budget control challenges[39:30] Airia Orchestration platform[46:25] Agent evaluation breakdown[53:48] Wrap up

Todd Doze, CEO of Janus Health, specializes in bringing AI to hospitals to connect the hospital revenue cycle management with the overall patient experience. Automating some manual RCM tasks, such as prior authorizations and referrals,  has led to significant reductions in claim denials, faster processing times, fewer errors, and better compliance with recent legislation. Challenges remain to ensure the AI model's accuracy and to demonstrate clear ROI and a direct impact on the hospital's revenue. Todd explains, "Today at Janus, we focus on helping providers improve their operational and financial efficiency. We work with about 250 acute care hospitals across the country, servicing some of the largest health systems in the nation by providing automations and AI-driven operational intelligence. This gives management insight into what their revenue cycle folks are doing to ensure they're taking the optimal paths to adjudicate claims and also automating as much of the laborious, tedious work that goes into treating patients in the most optimal manner." "There are a lot of very manual pain points within the rev cycle experience. For example, many of us have been referred by our primary care physician to a specialty provider. A very common example is referring to an imaging center for an MRI or X-ray. And many times, to access an appointment with that specialty provider, the provider may need to submit a prior authorization request to the patient's insurance. And then there's also the communication loop process focused on the referral. And so there are many areas for error, and there are a lot of ways the patient experience can go south very quickly."  #JanusHealth #AIinHealthcare #HealthcareAI #HealthTech #HealthcareOperations #RCM janus-ai.com Download the transcript here

Todd Doze, CEO of Janus Health, specializes in bringing AI to hospitals to connect the hospital revenue cycle management with the overall patient experience. Automating some manual RCM tasks, such as prior authorizations and referrals,  has led to significant reductions in claim denials, faster processing times, fewer errors, and better compliance with recent legislation. Challenges remain to ensure the AI model's accuracy and to demonstrate clear ROI and a direct impact on the hospital's revenue. Todd explains, "Today at Janus, we focus on helping providers improve their operational and financial efficiency. We work with about 250 acute care hospitals across the country, servicing some of the largest health systems in the nation by providing automations and AI-driven operational intelligence. This gives management insight into what their revenue cycle folks are doing to ensure they're taking the optimal paths to adjudicate claims and also automating as much of the laborious, tedious work that goes into treating patients in the most optimal manner." "There are a lot of very manual pain points within the rev cycle experience. For example, many of us have been referred by our primary care physician to a specialty provider. A very common example is referring to an imaging center for an MRI or X-ray. And many times, to access an appointment with that specialty provider, the provider may need to submit a prior authorization request to the patient's insurance. And then there's also the communication loop process focused on the referral. And so there are many areas for error, and there are a lot of ways the patient experience can go south very quickly."  #JanusHealth #AIinHealthcare #HealthcareAI #HealthTech #HealthcareOperations #RCM janus-ai.com Listen to the podcast here

In this Bell Work Talk, Dr. Ashleigh Bowman will introduce the key components of a business case, including calculating a return on investment (ROI). Forensic nurses should be able to articulate business components of the program and justify program costs for long-term sustainability. This podcast will help listeners begin thinking about the business model for their program to use in discussions with middle and upper administration and leaders. Ashleigh F. Bowman, DNP, CRNP, CPNP-AC, SANE-A, SANE-P, is an Associate Professor at the University of South Alabama, College of Nursing, and also maintains a faculty practice at USA Health's Children's & Women's Hospital Pediatric Emergency Department in Mobile, AL. She has been a certified acute care pediatric nurse practitioner since 2016 and became a pediatric SANE in 2020. She obtained her DNP in 2018 from the University of South Alabama. While Dr. Bowman has focused her clinical career on the care of acute and critically ill pediatric patients since 2012, her research and educational interests are focused on health policy and the intersection of policy impacts on clinical practice. Dr. Bowman is currently the project director for federally-funded grant project centered around pediatric sexual assault. Resources: Agency for Healthcare Research and Quality (2017, March). Toolkit for using AHRQ quality indicators. Retrieved from https://www.ahrq.gov/patient-safety/settings/hospital/resource/qitool/index.html Bartlett Ellis, R. J., Embree, J. L., & Ellis, K. G. (2015). A business case framework for planning clinical nurse specialist-led interventions. Clinical Nurse Specialist, 29(6), 338-347. https://doi.org/10.1097/NUR.0000000000000162 Birken, E. G. (2022). Return on Investment (ROI). Retrieved from https://www.forbes.com/advisor/investing/roi-return-on-investment/ Drenkard, K. N. (2022). The business case for Magnet® designation. The Journal of Nursing Administration, 52(9), 452-461. https://doi.org/10.1097/NNA.0000000000001182 Egan, C. (2024). Break-even point formula and analysis: How to calculate BEP for your business. Retrieved from https://squareup.com/us/en/the-bottom-line/managing-your-finances/how-to-calculate-break-even-point-analysis#:~:text=Revenue%20is%20the%20price%20for,%E2%80%93%20Variable%20Cost%20per%20Unit). Fernandez, V., Gausereide-Corral, M., Valiente, C., & Sanchez-Iglesias. (2023). Effectiveness of trauma-informed care interventions at the organizational level: A systematic review. Psychological Services, 20(4), 849-862. https://doi.org/10.1037/ser0000737 Gallagher, M. A., & Chraplyvy, N. (2022). Building a business case for hiring wound, ostomy, and continence nurses. Advanced Skin Wound Care, 35, 493-498. http://doi.org/10.1097/01.ASW.0000855028.36575.dc Green, J. S., Brummer, A., Mogg, D., & Purcell, J. (2021). Sexual assault nurse examiner/forensic nurse hospital-based staffing solution: A business plan development and evaluation. Journal of Emergency Nursing, 47, 643-653. https://doi.org/10.1016/j.jen.2021.03.011 Hollender, M., Almirol, E., Meyer, M., Bearden, H., & Stanford, K. A. (2023). Sexual assault nurse examiners lead to improved uptake of services: A cross-sectional study. Social Emergency Medicine and Populational Health, 24(5), 974-982. https://doi.org/10.5811/westjem.59514 Office for Justice Programs, Office for Victims of Crime. (n.d.). SANE program development and operation guide. Retrieved from https://www.ovcttac.gov/saneguide/introduction/ Vogt, E. L., Jiang, C., Jenkins, Q., Millette, M. J., Caldwell, M. T., Mehari, K. S., & Marsh, E. E. (2022). Trends in US emergency department use after sexual assault, 2006-2019. JAMA Network Open, 5(10), e22236273. https://doi.org/10.1001/jamanetworkopen.2022.36273 Welch, T. D., & Smith, T. B. (2021). Anatomy of a business case. Nursing Administration Quarterly, 46(1), 88-95. https://doi.org/10.1097/NAQ.0000000000000498

This podcasts explores the evolution of performance marketing in 2025 with Josh Duggan, co-founder of award-winning agency Vervaunt. With over 14 years of experience, Josh shares his expertise on how digital marketing optimisation has changed, focusing on measurement and the impact of new technologies.Key reasons to listen:Expert insights: gain valuable knowledge from Josh, who has worked with globally recognised brands like Doc Martens and Mulberry. Latest trends: understand the current trends in performance marketing, including the shift towards profitability and the importance of data-driven decisions.Technology advice: learn about Northbeam's new deal with Google, providing 30-day impression data, a game-changer for marketers.Key discussion points:The evolution of Black Friday from a weekend event to a month-long shopping period. The importance of measurement tools like Triple Whale and Northbeam in understanding customer journeys and optimising ad spend. The role of geo-based testing in enhancing brand awareness and measuring incremental ROI. Strategies for leveraging customer lifetime value (LTV) to drive profitability. The significance of aligning KPIs across teams to ensure cohesive marketing strategies.Josh emphasises the need for brands to focus on tangible profitability and to use 3rd party tools effectively. For example, with the introduction of Northbeam's 30-day impression data, marketers can now gain deeper insights into customer interactions, paving the way for more informed decision-making.Tune is for your roadmap to navigating the complexities of digital marketing. Chapters:[00:30] Introduction to Performance Marketing Trends[03:15] Black Friday Insights and Retail Trends[06:05] Shifts in Consumer Behaviour and Discount Strategies[09:50] The Importance of Measurement in Marketing[12:30] Evolution of Measurement Tools and Technologies[15:25] Understanding Customer Lifetime Value (LTV) and CAC[18:35] Geo-Based Testing and Incrementality[21:10] The Role of Third-Party Tools in Measurement[24:20] The Future of Measurement in Performance Marketing

Frank and Jon unpack:• Why today's competitive landscape means growth-motivated buyers must approach deals differently.• The three core reasons advisors pursue acquisitions - and which ones actually lead to long-term success.• How leverage, bank financing, and EBITDA-based lending really work in practice.• Why “fixer-upper” books may offer the strongest ROI.• How elite buyers win deals by understanding the emotional side of selling a practice.• The art of creating a safe landing place for sellers, their teams, and their clients.• Why phased buyouts and seller glide paths often create better retention and better economics for everyone.Jon also shares numbers, structures, and stories that demystify the math behind buying a practice - and the mindset required to scale from practitioner to true enterprise builder.If you're a buyer, seller, or advisor considering M&A in any form, this episode is a blueprint you can't afford to miss.Resources:Jon Kuttin's LinkedIn: www.linkedin.com/in/jonathankuttin  Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.comListen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners

In this episode, Dr. Glenn Vo brings back a long-time friend of the community: Aaron Boone, former pro football player, CEO & founder of MVP Mailhouse. If you think direct mail is “old school,” you haven't seen what MVP is doing. Aaron and his team have mailed over 100 million postcards for dentists and track everything... from where your best patients live, to which offers they respond to, to how your front desk handles every call. This isn't “spray and pray” mailing. This is data-driven direct mail built to generate revenue, not just phone calls. You'll hear how MVP Mailhouse: ⦁ Maps where your BEST patients already come from (down to neighborhoods) ⦁ Targets their neighbors instead of wasting money mailing your existing patients ⦁ Tracks every call with unique numbers for each mailing and area ⦁ Scores front desk performance and helps you improve conversions ⦁ Matches each new patient and dollar back to the homes that got the mailers …so you finally know your true ROI from direct mail.

In this episode, Eric Thompson sits down with Stephanie Peterson, a dedicated Ninja Realtor® from Spokane, Washington. With 11 years of experience and an incredible ability to generate over $200,000 annually working just 20 hours a week, Stephanie shares how living intentionally, staying in flow, and focusing on relationships has completely transformed her life and business. Episode Summary Stephanie Peterson, a long-time Ninja and real estate professional with Windermere City Group, has built a highly efficient and relationship-driven business centered around a select group of 100 people. Rather than expanding endlessly, she focuses on depth by tracking her productivity, staying in consistent contact with her top clients, and living a well-rounded, fulfilling life outside of work. Her systematic and intentional approach enables her to balance a high income with meaningful free time. This episode delves into Stephanie's annual business planning method, including how she calculates the value of her time, schedules her week around her top priorities, and makes every decision based on ROI, both financial and emotional. Through quarterly pop-bys, annual reviews, and handwritten notes, she has made her business a hub of authentic relationships and genuine care. She also explains the art of managing her time into productive (P), indirectly productive (I), and eliminated (E) activities (she has zero E-time in her calendar). Listeners will also learn how Stephanie cultivates strong connections with fellow agents through intentional networking, hosting events, and thoughtful follow-up strategies. Whether you're seeking to streamline your business or increase your joy in your career, Stephanie's insights offer a powerful model of simplicity, connection, and purpose. Key Takeaways Focus Beats Volume: You don't need thousands of contacts to succeed; Stephanie generates six figures by serving 100 people with depth and care. Work Smarter: She works only 20 hours a week by scheduling her time with precision and tracking income per hour — over $2,000/hour for client time. Pop-By Strategy: Personalized quarterly gifts (like homemade salsa or Dad's Root Beer kits) strengthen relationships and generate referrals. Annual Reviews = Relationship Gold: She uses annual real estate reviews to provide value, deepen connection, and identify new business opportunities. Efficiency Through Systems: Everything, from gift inventory to CRM input, is systematized, allowing her to stay creative without being overwhelmed. Intentional Realtor Networking: Stephanie nurtures a nationwide referral network through memorable follow-up, event hosting, and meaningful gifts. Living Beyond Work: Embracing creativity, travel, and personal connection, she has built a life where work supports but doesn't define her. Memorable Quotes "The system is simple if you work the system." "I work 20 hours a week, earn over $200K, and focus on just 100 people." "If I want a big crop, I have to take care of my plants: I weed, water, and prune. That's how I treat my database." "Real estate has given me some of the best friendships in my life." "Don't just brush your teeth once; don't just go to one Ninja Installation. Keep brushing your business." "Busy doesn't equal productive. It's the right activities that bring results." "Who are your vital few? And what are the vital few activities?" Links: Website: https://ninjaselling.com/ninja-podcast/ Email: TSW@NinjaSelling.com Phone: 1-800-254-1650 Podcast Facebook Group: http://www.facebook.com/groups/TheNinjaSellingPodcast Facebook: http://www.facebook.com/NinjaSelling Instagram: https://www.instagram.com/ninjasellingofficial/ LinkedIn: https://www.linkedin.com/company/ninjaselling Upcoming Public Ninja Installations: https://NinjaSelling.com/events/list/?tribe_eventcategory%5B0%5D=183&tribe__ecp_custom_2%5B0%5D=Public Ninja Coaching: http://www.NinjaSelling.com/course/ninja-coaching/ Stephanie Peterson: https://stephaniesellsspokane.com/

This episode goes deep with Logan from Blue Rose Physical Therapy and Blue Rose Running on why ROI should stand for Return on Impact, not investment.We break down the truth about running injuries, the psychology behind pain, and why trust is the #1 clinical skill PT school barely teaches.Plus — our segment “Run It or Rethink It,” where we tackle stretching, shoe mileage, gait analysis, and more.

Too many business owners are trying to use AI as a shortcut to fire people instead of using it to multiply the output of their best people. And that mindset is killing their growth. Matt Leitz has been building automation systems for 7- and 8-figure companies long before AI went mainstream. He's seen inside the machines powering 9-figure brands… and the truth is simple: automation isn't optional anymore. If you want to scale, you need a business that compounds output without requiring more of your time. Matt breaks down how to use AI as leverage — not as a crutch. He shares where founders get stuck, which systems create the highest ROI, how to turn funnels profitable even when ads lose money on day one, and how to build automations that drive revenue for years. If you've been trying to figure out how to integrate AI without breaking your business, this conversation will completely reset your framework.     Key Takeaways 00:00 Intro 01:36 You're Thinking About AI All Wrong 02:54 AI Agents and Chatbots 05:24 Start With Strategy, Not Technology 08:09 Why You Shouldn't Automate Reporting 11:22 Prompt Engineering is Easier Than You Think 16:04 How To Build & Leverage Custom GPTs 20:41 Collaborating With AI For Better Results 27:10 AI Tool that Boosts Sales Rep Performance 30:06 Why Tool-Hopping Slows Your Growth 31:50 Why Automation Is Required To Scale Big 35:35 Are Traditional Marketing Funnels Dead? 41:03 When to Focus ON or IN the Business 45:42 The Real Path To Scaling Ad Spend 54:03 Lead Offers vs. Maximizer Offers 01:02:06 Protecting Your Time Above Everything Else     Watch on YouTube: https://youtu.be/F96ncjHK8jI    Let's Connect: Website | Instagram | YouTube | TikTok | Twitter | Facebook

The Magic Mike Show guys preview Aqueduct on December 6 & give their FREE Late Pick 5 tickets!Tell us YOUR Aqueduct picks in the Comments!https://www.youtube.com/live/CNUvn5viGlcSMASH the *Thumbs Up* ~ HIT *Subscribe* ~ RING the *Notification* bellThe Magic Mike Show with Curtis "Magic" Kalleward and Mike Somich is the ultimate horse racing show covering the best action around the country. Listen to these Racing Dudes discuss big cashes, bad beats, great rides, handicapping advice, and more.The Magic Mike Show live-streams each episode! Hit the "Subscribe" button and the notification bell to be alerted whenever a new show starts.Podcast (Audio Only)Find all episodes of The Magic Mike Show by visiting our podcast page, or on Apple Podcasts or Captivate.https://RacingDudes.com is the destination for all things horse racing and sports betting. With free winners, expert insider tips, podcasts, and videos, we provide only the best gambling content.Made by fans, for fans, come see why https://RacingDudes.com is the #1 most trusted sports betting website anywhere. Never make another wager without visiting the Racing Dudes first!https://www.youtube.com/watch?v=UkbP3NPsij0The Racing Dudes are the #1 online source for free and premium horse racing win picks, and now, their expert coverage includes sports betting picks. Our elite handicappers provide year-round sharp money plays across the MLB, the NFL, the NBA, the NHL, the NCAA, and more.Don't roll the dice by going anywhere else. Our sports betting experts cover everything from the World Cup, Super Bowl, and March Madness to the Stanley Cup and the Masters. Daily updates tracking all picks help keep our handicappers honest - every ROI and Win/Loss record is easy to follow. Anyone on a hot streak has an "On Fire!" marker on their profile so that you know who to tail.The only question is: Are you ready to dive in? Visit the BEST BETS page now!About www.RacingDudes.com Aqueduct PicksThe destination site for all things horse racing and beyond in the world of sports betting.Whether it be free winners, expert insider picks, up-to-the-minute trackside weather reports, or multiple podcasts and livestream videos that provide only the best content for gamblers of all skill levels, never make another wager...

Buy tickets to the IPO Tour (our In-Person Offering)Feb 25th in Austin, TX: https://tickets.austintheatre.org/13274/13275 Mar 11th in Arlington, VA: https://www.arlingtondrafthouse.com/shows/341317 Apr 8th in New York, NY: https://www.ticketmaster.com/event/0000637AE43ED0C2June 3rd in Los Angeles, CA: https://www.squadup.com/events/the-best-one-yet-liveCostco sued the Trump admin demanding tariff refunds… but it's also a marketing move.Estée Lauder hired Google to sell perfume online… and deliver an ROI on AI.Michael Dell is giving $250 to 25 million American kids… and it'll change kid-gifting forever.$COST $EL $DELLBuy your TBOY Yeti Doll here: https://tboypod.com/shop/product/economic-support-yeti-doll NEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Maggie Sellers Reum is an investor, founder and host of Hot Smart Rich. She joins the show to break down what it really means to be hot, smart, and rich financially, emotionally, and energetically. We explore the difference between being rich in time vs. rich in cash, how women can finally get a seat at the economic decision table, and the practical steps to building generational wealth through conscious spending, angel investing, and smart diversification.Maggie shares her journey from the corporate world to working with Post Malone, the surprising lessons that shaped her career, and how she learned to stop molding herself into a version she didn't recognize. We talk capitalism reimagined, cost-per-wear vs ROI, getting equity in companies, and the biggest money splurge she doesn't regret.We also dive into the emotional side of success: how to find your passion, when to leave the wrong relationship, becoming securely attached, reframing anxiety as a source of wisdom, and the small habits that create compounding interest in every area of life.This episode is a masterclass in money, mindset, confidence, and creating a life that feels truly rich.Follow Maggie @maggiesellersreumThis episode is brought to you by:Visit fieldofgreens.com and use promo code WELL for 20% off.Head to boncharge.com and your 25% off code will be automatically added to your order.Visit quo.com/BLONDE for 20% off 6 months. Go to justthrivehealth.com and use code WELL for 20% off your first 90 day bottle of Just Thrive probiotic. Get 20% off your first order by visiting foriawellness.com/BLONDE or use code BLONDE at checkout.Visit fatty15.com/WELL and use code WELL at checkout for an additional 15% off their Starter Kit.Please note that this episode may contain paid endorsements and advertisements for products and services. Individuals on the show may have a direct or indirect financial interest in products or services referred to in this episode.Produced by Dear Media.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

During the chaos of the holiday season, is it possible for small retailers to turn their fragmented customer data into a perfectly timed, personalized marketing, or are they destined to just add to the noise? Agility requires not just collecting customer data from every channel, but having the insight and tools to act on it in the moments that matter most. It's the ability to translate a customer signal into a relevant experience, instantly.Today, we're going to talk about how small and mid-sized retailers can punch above their weight during the critical holiday season. We'll explore the challenge of turning fragmented customer data from online browsing, email clicks, and even in-store visits into a cohesive strategy that drives precision-targeted campaigns, creates loyal customers, and, most importantly, delivers measurable ROI in a complex, multi-channel world. To help me discuss this topic, I'd like to welcome, Diana Williams, VP of Product Management at Intuit Mailchimp. About Diana Williams Diana Williams is VP of Product Management at Intuit Mailchimp. She is a dynamic leader who excels at turning concepts into revenue-generating products in fast-paced environments. Her experience includes launching e-commerce and business platforms, with expertise in product strategy and accelerating high-quality product execution. Previously, she held leadership roles at technology startups and companies like Meta and eBay. She resides in the Bay Area. Diana Williams on LinkedIn: https://www.linkedin.com/in/dianalwilliams/ Resources Intuit Mailchimp: https://www.mailchimp.com The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow Catch the future of e-commerce at eTail Palm Springs, Feb 23-26 in Palm Springs, CA. Go here for more details: https://etailwest.wbresearch.com/ Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstromDon't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.showCheck out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company