Podcasts about ROI

Send us a textRecorded live at IT Nation, MJ Shoer (Chief Community Officer, GTIA) breaks down how the newly branded Global Technology Industry Association is delivering practical wins for MSPs. We cover the GTIA ISAO (built with ConnectWise) for actionable threat intelligence, the cybersecurity Trust Mark that validates your internal controls against your chosen framework, and how GTIA's unbiased research can be co-branded for QBRs to boost credibility and close rates. MJ also unpacks workforce strategy with “NowGen”—supporting both youth and mid-career changers—plus global mentorship, learning libraries, and why ConnectWise-sponsored memberships are a fast on-ramp. We close with GTIA's growing foundation work and MJ's personal take on discipline, recovery, and building routines after injury. If you run an MSP and want immediate ROI from a trade association, this one's loaded with specifics you can apply this quarter.Top 3 highlightsClear, fast ROI: GTIA ISAO access, co-brandable research, and ConnectWise-sponsored memberships for partners.Security you can show: the GTIA Cybersecurity Trust Mark validates your practices against your chosen framework.Talent + growth: NowGen pathways, global mentorship, and a learning library spanning soft skills to leadership.  #JoeyPinz #MSPInfluencer #ForzaDash #ITNation #ITN25 #MSP #GTIA #Cybersecurity #ThreatIntelligence #CompTIA #Mentorship #QBR --- Join us for enlightening discussions that spark growth and exploration. Hosted by Joey Pinz, this Discipline Conversations Podcast offers insights and inspiration. 

In this episode of the Tax Smart REI Podcast, Thomas Castelli and Nathan Sosa sit down with cost segregation expert Edward Griffith to break down what investors really need to know about cost segs—why engineering-driven, in-person studies deliver superior results, and how relying on cheap or software-only reports can quietly cost investors tens of thousands and increase audit risk. You'll learn: - What a cost segregation study actually is, why it matters, and which properties generate the biggest ROI - Why in-person, engineering-driven cost segregation consistently produces higher ROI and stronger IRS defensibility than software-only reports - How the timing of a study (including pre- and post-renovation) affects your tax strategy and bonus depreciation opportunities - What the full cost seg process looks like from start to finish, and how to ensure deductions actually show up on your tax return To become a client, request a consultation from Hall CPA, PLLC at go.therealestatecpa.com/3KSEev6 Subscribe to REI Daily & Enter to Win a FREE Strategy Call: go.therealestatecpa.com/41JuQBX Get the Year-End Tax Checklist: go.therealestatecpa.com/4pj63id The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

Most companies don't have a lead problem, they have a follow-up problem. In this episode of Sharkpreneur, Seth Greene interviews Jason Kramer, Founder & CEO at Cultivize, who breaks down how smart CRM strategy can transform “maybe someday” prospects into real revenue. Jason shares how his team helps manufacturing, roofing, finance, and home service businesses design, implement, and actually use CRM systems like HubSpot and Pipedrive so salespeople stop dropping the ball. With real-world case studies, including a roofing company that turned old quotes into seven-figure sales, Jason shows what's possible when technology, strategy, and authentic follow-up finally line up. Key Takeaways: → Why most growing businesses don't really know which marketing efforts are working, and how a properly set up CRM changes that. → The three simple criteria that define an ideal client for a CRM overhaul and why company size and sales team count matter. → The common problem shared by manufacturing, roofing, finance, and home service companies is that they send hundreds of proposals a year. → A behind-the-scenes case study of a roofing company that revived ignored quotes with a thoughtful, automated follow-up sequence. → How to design automated emails that feel genuine and personal, not robotic or canned, while still running on autopilot. Jason Kramer is the founder of Cultivize, a consulting firm that builds smart CRM strategies for business consultants and growth advisors. With over 20 years in marketing and business development, he helps experts transform their lead management systems into scalable growth engines. His process integrates CRM automation with email nurturing to create trackable, ROI-focused results for B2B and consulting clients. Jason's background includes work with global giants like Virgin Atlantic and Johnnie Walker, but today his focus is on supporting strategic advisors and fractional leaders who need visibility into what's working—and what's not—in their sales process. When he's not helping clients streamline their revenue systems, he's on the Hudson River with his family. Connect With Jason Kramer: Website: https://cultivize.com/ X: https://x.com/cultivize Facebook: https://www.facebook.com/cultivize/ LinkedIn: https://www.linkedin.com/in/jasonleighkramer/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Govcon Giants, Eric sits down with Justin Vianello, CEO and equity partner at SkillStorm, to unpack how federal agencies and large integrators can stop recycling the same expensive talent and start building net-new cleared technologists. Justin shares his global journey from chartered accountant at PwC to scaling multiple companies and exiting, and how that experience led him to a "hire, train, deploy" model that develops new talent instead of bidding up the same résumés. He breaks down why traditional degree requirements are outdated, how certifications and apprenticeships are creating better ROI, and where the real opportunities are in cybersecurity, AI, cloud, and platform-specific roles like Salesforce, AWS, and Palantir. You'll hear Justin's take on why big consulting firms and government need to rethink workforce strategy, how SkillStorm pays people during training to focus on learning, and why soft skills—communication, leadership, and presentation—are the real differentiators in an AI-powered world. Eric and Justin also explore the gap between college promises and reality, the power of apprenticeships and military "cool"/GI Bill pathways, and what agency heads must do now if they want lower costs, better teams, and faster delivery on critical missions. Key Takeaways: Upskilling & reskilling are the real moat: certifications + platform skills (cloud, cyber, AI) + soft skills beat generic degrees in today's federal tech market. Custom-built teams > resume recycling: Skillstorm's "hire, train, deploy" model creates new cleared talent, reduces costs, and gets billable teams productive on day one. College is optional, not mandatory: for many roles, apprenticeships, technical certs, and on-the-job training now offer better ROI, especially for veterans and career changers. Learn more: https://federalhelpcenter.com/ https://govcongiants.org/  Encore Funding: https://www.encore-funding.com/  Join the bootcamp: https://govcongiants.org/bootcamp  Justin's LinkedIn: https://www.linkedin.com/in/justin-vianello/  Justin's Twitter/X: https://x.com/justinvianello

If you've ever wrestled with the tension between being donor-centered and community-centered in your fundraising, today's episode is going to feel like a deep exhale. The incredible Tammy Zonker, founder of Fundraising Transformed, has helped raise more than $1 billion over her career, including facilitating a single $27 million dollar gift!We dive into Tammy's hands-on case study from the Children's Center in Detroit, where her team tripled philanthropy in three years and doubled it again before her departure. You'll hear what it actually looked like on the ground: auditing revenue channels, analyzing cost-per-dollar raised and ROI across events, grants, and direct response, strengthening monthly and planned giving, and expanding donor engagement.This episode also explores why many nonprofits thrive with younger generations, offers in-the-trenches advice for leaders navigating busy giving seasons, and how to thoughtfully affirm everyone who contributes their time, talent, and resources.Resources & LinksConnect with Tammy on LinkedIn and learn more about her book, Calling All Heroes. Already have a monthly giving program? The Mini Monthly Giving Mastermind starts in January and is just for you. Register now for the FREE Monthly Giving Summit on February 25-26th, the only virtual event where nonprofits unite to master monthly giving, attract committed believers, and fund the future with confidence. Let's Connect! Send a DM on Instagram or LinkedIn and let us know what you think of the show! My book, The Monthly Giving Mastermind, is here! Grab a copy here and learn my framework to build, grow, and sustain subscriptions for good. Want to book Dana as a speaker for your event? Click here!

I sit down once again with Steve Goodner for a heartfelt and practical conversation about the importance of spiritual health. If you heard the first part of our discussion, you'll remember our focus on emotional intelligence, especially in the context of sales and business. We expand that conversation to explore what spiritual health means—and why it's essential for a truly abundant and fulfilled life.Steve shares deeply from his own spiritual journey, making it clear that when we talk about “spiritual health,” it's not about specific religions or rituals, but about nurturing that inner core, regardless of background or beliefs. Using the analogy of a target, Steve explains how our spirit is at the very center of who we are, influencing our emotions, knowledge, behaviors, and ultimately, the outcomes of our lives. He emphasizes that many of the issues we encounter—whether personal or professional—can often only be addressed by attending to our spiritual wellbeing.We also discuss the growing prominence of AI in our lives and why building our spiritual and emotional strengths is more important than ever in an age of rapid technological change. Steve offers insights into the differences between “change” and true “transformation,” sharing practical strategies for personal growth, such as becoming aware of self-limiting habits and intentionally working to rewire our brains.Throughout the conversation, we talk about the benefits of spiritual health, including increased joy, fulfilment, and the ability to set healthy boundaries and priorities. Steve also talks about his new mastermind groups and other resources he's created to help people grow in leadership, sales, and ministry.If you're looking for actionable advice on strengthening your spiritual health and transforming the way you live and lead, you'll find lots of wisdom in today's episode. All of Steve's resources and links are in the show notes—reach out to him for a conversation, it could be your first step towards positive transformation.Moments00:00 "Spiritual Growth and New Book"04:36 Address Emotional Issues Spiritually07:10 AI's Impact on Emotional Growth11:44 Intrinsic vs. Extrinsic Fulfillment14:32 Inner Beliefs and Self-Talk17:43 "Rewiring Faith and Self-Perception"23:52 "Developing a Growth Mindset"26:59 Embrace Growth, Reject Limits29:07 Self-Imposed Limits on Opportunities33:40 "Assessing Habits: Productivity vs Counterproductivity"35:30 Powerful Support System Investment40:41 12-Week Mastermind Transformations44:10 Leadership Transformation Ripple Effect46:17 Upcoming Book Launches and ThemesHere are my top 3 takeaways:Spiritual Wellbeing is Foundational: Steve likened our spiritual self to the bullseye at the center of a target, with our emotions, intellect, and actions radiating outward. True transformation starts at the core—addressing the spirit influences everything else.Growth is an Ongoing Journey: Transformation is not a one-time event. Steve stresses the importance of a growth mindset and continuous, inside-out change, emphasizing that self-improvement requires as much commitment as any work project.Practical Steps Matter: Insight is key, but so is action. Steve recommends starting with validated self-assessments and investing in your personal development, just like you would with any big decision—because the ROI on you is always worth it.In each episode, Jeff and Eric will talk about what emotional intelligence, or understanding your emotions, can do for you in your daily and work life. For more information, contact Eric or Jeff at info@spiritofeq.com, or go to their website, Spirit of...

Our Head of Research Product in Europe Paul Walsh and Chief European Equity Strategist Marina Zavolock break down the key drivers, risks, and sector shifts shaping European equities in 2026. Read more insights from Morgan Stanley.----- Transcript -----Paul Walsh: Welcome to Thoughts on the Market. I'm Paul Walsh, Morgan Stanley's Head of Research Product in Europe.Marina Zavolock: And I'm Marina Zavolock, Chief European Equity Strategist.Paul Walsh: And today – our views on what 2026 holds for the European stock market.It's Tuesday, December 9th at 10am in London.As we look ahead to 2026, there's a lot going on in Europe stock markets. From shifting economic wins to new policies coming out of Brussels and Washington, the investment landscape is evolving quite rapidly. Interest rates, profit forecasts, and global market connections are all in play.And Marina, the first question I wanted to ask you really relates to the year 2025. Why don't you synthesize your, kind of, review of the year that we've just had?Marina Zavolock: Yeah, I'll keep it brief so we can focus ahead. But the year 2025, I would say is a year of two halves. So, we began the year with a lot of, kind of, under performance at the end of 2024 after U.S. elections, for Europe and a decline in the euro. The start of 2025 saw really strong performance for Europe, which surprised a lot of investors. And we had kind of catalyst after catalyst, for that upside, which was Germany's ‘whatever it takes' fiscal moment happened early this year, in the first quarter.We had a lot of headlines and kind of anticipation on Russia-Ukraine and discussions, negotiations around peace, which led to various themes emerging within the European equities market as well, which drove upside. And then alongside that, heading into Liberation Day, in the months, kind of, preceding that as investors were worried about tariffs, there was a lot of interest in diversifying out of U.S. equities. And Europe was one of the key beneficiaries of that diversification theme.That was a first half kind of dynamic. And then in the second half, Europe has kept broadly performing, but not as strongly as the U.S. We made the call, in March that European optimism had peaked. And the second half was more, kind of, focused on the execution on Germany's fiscal. And post the big headlines, the pace of execution, which has been a little bit slower than investors were anticipating. And also, Europe just generally has had weak earnings growth. So, we started the year at 8 percent consensus earnings growth for 2025. At this point, we're at -1, for this year.Paul Walsh: So, as you've said there, Marina, it's been a year of two halves. And so that's 2025 in review. But we're here to really talk about the outlook for 2026, and there are kind of three buckets that we're going to dive into. And the first of those is really around this notion of slipstream, and the extent to which Europe can get caught up in the slipstream that the U.S., is going to create – given Mike Wilson's view on the outlook for U.S. equity markets. What's the thesis there?Marina Zavolock: Yeah, and thank you for the title suggestion, by the way, Paul of ‘Slipstream.' so basically our view is that, well, our U.S. equity strategist is very bullish, as I think most know. At this stage he has 15 percent upside to his S&P target to the end of next year; and very, very strong earnings growth in the U.S. And the thesis is that you're getting a broadening in the strength of the U.S. economic recovery.For Europe, what that means is that it's very, very hard for European equities to go down – if the U.S. market is up 15 percent. But our upside is more driven by multiple expansion than it is by earnings growth. Because what we continue to see in Europe and what we anticipate for next year is that consensus is too high for next year. Consensus is anticipating almost 13 percent earnings growth. We're anticipating just below 4 percent earnings growth. So, we do expect downgrades.But at the same time, if the U.S. recovery is broadening, the hopes will be that that will mean that broadening comes to Europe and Europe trades at such a big discount, about 26 percent relative to the U.S. at the moment – sector neutral – that investors will play that anticipation of broadening eventually to Europe through the multiple.Paul Walsh: So, the first point you are making is that the direction of travel in the U.S. really matters for European stock markets. The second bucket I wanted to talk about, and we're in a thematically driven market. So, what are the themes that are going to be really resonating for Europe as we move into 2026?Marina Zavolock: Yeah, so let me pick up on the earnings point that I just made. So, we have 3.6 percent earnings growth for next year. That's our forecast. And consensus – bottom-up consensus – is 12.7 percent. It's a very high bar. Europe typically comes in and sees high numbers at the beginning of the year and then downgrades through the course of the year. And thematically, why do we see these downgrades? And I think it's something that investors probably don't focus on enough. It's structurally rising China competition and also Europe's old economy exposure, especially in regards to the China exposure where demand isn't really picking up.Every year, for the last few years, we've seen this kind of China exposure and China competition piece drive between 60 and 90 percent of European earnings downgrades. And looking at especially the areas of consensus that are too high, which tend to be highly China exposed, that have had negative growth this year, in prior years. And we don't see kind of the trigger for that to mean revert. That is where we expect thematically the most disappointment. So, sectors like chemicals, like autos, those are some of the sectors towards the bottom of our model. Luxury as well. It's a bit more debated these days, but that's still an underweight for us in our model.Then German fiscal, this is a multi-year story. German fiscal, I mentioned that there's a lot of excitement on it in the first half of the year. The focus for next year will be the pace of execution, and we think there's two parts of this story. There's an infrastructure fund, a 500-billion-euro infrastructure fund in Germany where we're seeing, according to our economists, a very likely reallocation to more kind of social-related spend, which is not as great for our companies in the German index or earnings. And execution there hasn't been very fast.And then there's the Defense side of the story where we're a lot more optimistic, where we're seeing execution start to pick up now, where the need is immense. And we're seeing also upgrades from corporates on the back of that kind of execution pickup and the need. And we're very bullish on Defense. We're overweight the issue for taking that defense optimism and projecting out for all of Europe is that defense makes up less than 2 percent of the European index. And we do think that broadens to other sectors, but that will take years to start to impact other sectors.And then, couple other things. We have pockets of AI exposure in the enabler category. So, we're seeing a lot of strength in those pockets. A lot of catch up in some of those pockets right now. Utilities is a great example, which I can talk about. So, we think that will continue.But one thing I'm really watching, and I think a lot of strategists, across regions are watching is AI adoption. And this is the real bull case for me in Europe. If AI adoption, ROI starts to become material enough that it's hard to ignore, which could start, in my opinion, from the second half of next year. Then Europe could be seen as much more of a play on AI adoption because the majority of our index is exposed to adoption. We have a lot of low hanging fruit, in terms of productivity challenges, demographics, you know, the level of returns. And if you track our early adopters, which is something we do, they are showing ROI. So, we think that will broaden up to more of the European index.Paul Walsh: Now, Marina, you mentioned, a number of sectors there, as it relates to the thematic focus. So, it brings us onto our third and final bucket in terms of what your model is suggesting in terms of your sector preferences…Marina Zavolock: Yeah. So, we have, data driven model, just to take a step back for a moment. And our model incorporates; it's quantum-mental. It incorporates themes. It incorporates our view on the cycle, which is in our view, we're late cycle now, which can be very bullish for returns. And it includes quant factors; things like price target, revisions breadth, earnings revisions breadth, management sentiment.We use a Large Language Model to measure for the first time since inception. We have reviewed the performance of our model over the last just under two years. And our top versus bottom stocks in our model have delivered 47 percent in returns, the top versus bottom performance. So now on the basis of the latest refresh of our model, banks are screening by far at the top.And if you look – whether it's at our sector model or you look at our top 50 preferred stocks in Europe, the list is full of Banks. And I didn't mention this in the thematic portion, but one of the themes in Europe outside of Germany is fiscal constraints. And actually, Banks are positively exposed to that because they're exposed to the steepness – positively to the steepness – of the yield curve.And I think investors – specialists are definitely optimistic on the sector, but I think you're getting more and more generalists noticing that Banks is the sector that consistently delivers the highest positive earnings upgrades of any sector in Europe. And is still not expensive at all. It's one of the cheapest sectors in Europe, trading at about nine times PE – also giving high single digit buyback and dividend yield. So that sector we think continues to have momentum.We also like Defense. We recently upgraded Utilities. We think utilities in Europe is at this interesting moment where in the last six months or so, it broke out of a five-year downtrend relative to the European index. It's also, if you look at European Utilities relative to U.S. Utilities – I mentioned those wide valuation discounts. Utilities have broken out of their downtrend in terms of valuation versus their U.S. peers. But still trade at very wide discounts. And this is a sector where it has the highest CapEx of any sector in Europe – highest CapEx growth on the energy transition. The market has been hesitant to kind of benefit the sector for that because of questions around returns, around renewables earlier on. And now that there's just this endless demand for power on the back of powering AI, investors are more willing to benefit the sector for those returns.So, the sector's been a great performer already year to date, but we think there's multiple years to go.Paul Walsh: Marina, a very comprehensive overview on the outlook for European equities for 2026. Thank you very much for taking the time to talk.Marina Zavolock: Thank you, Paul.Paul Walsh: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

Russian President Vladimir Putin has often proclaimed that the country must lead the world in artificial intelligence, yet the country is currently stuck on the sidelines as other nations pull ahead. Wall Street Journal foreign correspondent Georgi Kantchev explains why. Plus, the arrival of AI agents is transforming work already—debugging code, designing products, and delivering ROI. Steven Rosenbush, chief of the enterprise technology bureau, details how companies like Walmart and BNY are already seeing results. Julie Chang hosts. Sign up for the WSJ's free Technology newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

Originally published on the a16z Infra podcast. We're resurfacing it here for our main feed audience.AI coding is already actively changing how software gets built.a16z Infra Partners Yoko Li and Guido Appenzeller break down how "agents with environments" are changing the dev loop; why repos and PRs may need new abstractions; and where ROI is showing up first. We also cover token economics for engineering teams, the emerging agent toolbox, and founder opportunities when you treat agents as users, not just tools. Resources:Follow Yoko on X: https://x.com/stuffyokodrawsFollow Guido on X: https://x.com/appenz Stay Updated:If you enjoyed this episode, be sure to like, subscribe, and share with your friends!Find a16z on X: https://x.com/a16zFind a16z on LinkedIn: https://www.linkedin.com/company/a16zListen to the a16z Podcast on Spotify: https://open.spotify.com/show/5bC65RDvs3oxnLyqqvkUYXListen to the a16z Podcast on Apple Podcasts: https://podcasts.apple.com/us/podcast/a16z-podcast/id842818711Follow our host: https://x.com/eriktorenbergPlease note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see http://a16z.com/disclosures Stay Updated:Find a16z on XFind a16z on LinkedInListen to the a16z Show on SpotifyListen to the a16z Show on Apple PodcastsFollow our host: https://twitter.com/eriktorenberg Please note that the content here is for informational purposes only; should NOT be taken as legal, business, tax, or investment advice or be used to evaluate any investment or security; and is not directed at any investors or potential investors in any a16z fund. a16z and its affiliates may maintain investments in the companies discussed. For more details please see a16z.com/disclosures. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week, I'm joined by Tiah DeGrofft, the first-ever female president of the iconic Pendleton Round-Up. Tiah has lived nearly every chapter of Round-Up tradition: from growing up in the grandstands to serving as a princess, queen, board member, and eventually president of one of the most historic rodeos in the world. In this episode, we talk about the depth of community behind the Pendleton Round-Up, what it really takes to run a legacy event, and the leadership lessons Tiah has learned along the way. She shares what her background in sports marketing and the PGA Tour taught her about rodeo as a business, why hospitality is the best ROI, and how Round-Up's 1,200+ volunteers make it all possible. We also dive into her favorite rodeos, what every event can do to create a memorable experience, and how women can relentlessly pursue big dreams without giving up their seat at the table. Resources & Links: Pendleton Round-Up How to Win Friends & Influence People by Dale Carnegie Let'er Buck Not Gonna Lie with Kylie Kelce Podcast Calm Down with Erin & Charissa Podcast The Skinny Confidential Him & Her Show Podcast The Chris Harder Show Podcast The Ed Mylett Show Podcast Toter Tales with Coleman Proctor Podcast The Jeff Fenster Show Podcast The Luke Branquinho Show Podcast Join The Directory Of The West Get our FREE resource for Writing a Strong Job Description  Get our FREE resource for Making the Most of Your Internship Get our FREE resource: 10 Resume Mistakes (and how to fix them) Get our FREE resource: How to Avoid the 7 Biggest Hiring Mistakes Employers Make Email us at hello@ofthewest.co Subscribe to Of The West's ⁠Newsletters List your jobs on ⁠Of The West Connect with Tiah: Follow on Instagram @tdegrofft Follow on Facebook @tiah.degrofft Connect with Jessie: Follow on Instagram @ofthewest.co and @mrsjjarv Follow on Facebook @jobsofthewest Check out the Of The West website Be sure to subscribe/follow the show so you never miss an episode!  Learn more about your ad choices. Visit megaphone.fm/adchoices

Forget the hyperscalers replacing tens of thousands of jobs. For manufacturers with 20 or 50 employees, AI isn't about cutting headcount, it's about finding ways to get ahead when you can't necessarily afford to scale your team. As Dr Richard Barnhouse, President and CEO of Waukesha County Technical College (WCTC) puts it: figure out the things you hate to do and apply AI to that. This episode was recorded live at WCTC's Applied AI Lab, featuring a roundtable with Dr Barnhouse, Amanda Payne from the Waukesha County Business Alliance, Guido Mazza from ITER IDEA, and Caleb Bryant, a student pivoting into AI after 20 years in lending. The panel explores how small manufacturers are practically applying AI today, from eliminating scheduling headaches to streamlining quoting and contracts.Guido shares how one plastic manufacturer eliminated internal conflict by letting an algorithm handle shift scheduling across dozens of constraints, while Amanda reveals that 50% of Waukesha County businesses are already adopting or strategizing around AI; and over 90% of them have 50 or fewer employees. Caleb delivers one of the episode's sharpest lines: AI doesn't steal jobs, it steals tasks.In this episode, find out:Why even free ice cream for life won't get buy-in, but removing a universal pain point willHow a plastic manufacturer used AI to manage dozens of scheduling constraints and avoid internal conflictThe three common reactions people have to AI and why two of them stem from the same root causeWhat Dr. Barnhouse warns about AI early-adopters when vetting consultants and programsWhy the real ROI on some AI projects isn't money saved, but conflict avoidedWhy manufacturers are mostly implementing AI on the office side (quoting, contracts, and legal documents) for nowThe intersection of robotics, humanoids, and quantum computing that's coming faster than most realizeEnjoying the show? Please leave us a review here. Even one sentence helps. It's feedback from Manufacturing All-Stars like you that keeps us going!Tweetable Quotes:“Start with the basics. Think about your company's most repetitive or boring tasks and see if there's an AI solution that could be applicable. Then, you have to differentiate and decide what the benefits are between automation or an AI agent for those tasks.” - Guido Mazza“The easiest way to get started is identify a single pain point that everyone in the company can't stand, something so far down that not even the boss understands how it contributes to the bottom line. If you can mitigate that pain point, your team will understand how AI can help them focus on more important tasks.” - Dr Richard Barnhouse“There are usually three reactions to AI. People either embrace it, underestimate it or are intimidated by it. What AI does is breed creativity. And once you understand it a little bit more, you start to see all the different things it can be used for both in industry and your personal life.” - Caleb BryantLinks & mentions:Waukesha County Technical College, one of the region's leaders in workforce development, offering 170+ programs and customized employer training, including Wisconsin's first comprehensive AI training and a world-class Applied AI Lab.Waukesha County Business Alliance, a long-standing, member-driven organization advancing economic growth and strengthening the business environment in Waukesha County through advocacy, development, engagement, and growth.

Stop making million-dollar decisions alone. Hampton gives you a personal board of eight vetted founders in your city who meet monthly to tackle your hardest problems. Find your group: https://joinhampton.com/Everyone thinks the “rich person” life is about fast cars, fancy watches, and designer flexes. But when we talked to over 150 high-performing founders, the things they actually spend on – and swear by – were surprisingly practical. Some luxuries just look good on Instagram. Others change the way you live, work, and feel every day.Here's what we talk about:The #1 luxury nearly every founder says they'll never go without againWhy hiring a housekeeper or private chef might save your business (and marriage)The health investments founders make – and which ones are worth skippingWhy some founders spend $100K/year on concierge medicine for their familiesRenting at $17K/month: outrageous flex or return-on-happiness?The emotional ROI of experiences (and the trip one founder spent $500K on)Business class vs. private jets: which travel upgrade is actually worth it?How these purchases impact kids – and the fine line between “comfortable” and “entitled”Cool Links:Hampton https://www.joinhampton.com/Lower Street https://www.lowerstreet.co/Sponsors:Join 700+ founders hiring A-players in Latin America at hirewithnear.com/moneywiseAchieve your dream body with dailybodycoach.com/moneywiseTame your taxes today at https://olarry.com/Chapters:(1:18) Stuff You Buy vs. Stuff That Matters(1:58) Buy Back Your Time (Not Just Watches)(3:04) The Housekeeper Dilemma: Freedom or Softness?(4:23) Health Hacks: Trainers, Gyms & Biohacking(6:11) Therapy, Insurance, and the $100K Checkup(7:22) Dream Homes: ROI on Happiness(10:53) Experiences > Things: The Data Says So(12:00) Cancer, Family, and $500K on Memories(15:13) Connection, Curiosity, and Intentional Spending(15:33) The Business Class Trap(16:44) The Real List: What's Actually Worth ItThis podcast is a ridiculous concept: high-net-worth people reveal their personal finances. Inspired by real conversations happening in the Hampton community.Your Host: Jackie LamportNot really the host, but the producer.Wrote this sentence.

I'm pleased to interview one of our Biz Book Pub Hub Partners. Our Hub Partners are experts who support entrepreneurs along their author journey.  Today's guest is a powerhouse in the world of thought leadership and publishing—a true connector who helps experts transform their ideas into influential books that make a real difference. She's built an extraordinary career as both an author and strategist, earning six traditional publishing deals, ten thought leader titles, a New York agent, and even a feature on Oprah. She's also a Wall Street Journal bestselling author whose award-winning networking books were licensed by major brands like Motorola and Yale's Graduate School of Business. She founded Networlding Publishing, where she's guided more than 175 thought leaders through every stage of writing and launching their first books. Along the way, she's helped global companies like Cisco, Office Depot, and American Express build powerful leadership networks—and even created a thought leader podcast to amplify her authors' visibility and success. Her passion is helping authors leverage both their books and their relationships to create meaningful impact and lasting influence. Please join me in welcoming Melissa G. Wilson.  In this episode, we discuss the following:

In this episode of the Millionaire Car Salesman Podcast, Sean V. Bradley sits down with longtime industry strategist Troy Spring to discuss the evolving state of automotive advertising. With nearly four decades in the business, Troy brings a perspective shaped by experience, data, and a deep understanding of what truly moves the needle for dealerships! "I've never seen anything work better than direct mail ever." - Troy Spring From traditional marketing channels to modern digital ecosystems, the conversation explores how dealers think about their market, their budget, and the strategies that shape their advertising decisions. Sean and Troy examine the realities dealerships face today, from vendor relationships to the role of in-house marketing leadership, and why understanding your market is more important now than ever! "It's a chess match. It's not just advertising. It's about looking at everything holistically." - Troy Spring This episode challenges assumptions, reframes how dealers view their advertising spend, and offers a candid look at the mindset needed to succeed in a competitive landscape. If you're a Dealer, General Manager, marketing manager, or anyone responsible for driving traffic and generating opportunities… this is a conversation you'll want to hear firsthand! Tune in to learn how top operators are rethinking their advertising journey, and why the next evolution of automotive marketing starts with clarity, strategy, and control!   Key Takeaways: ✅ Direct mail remains one of the most effective traditional advertising methods for car dealerships, often outperforming digital strategies. ✅ To optimize marketing spend, dealers need to focus on their immediate market area before expanding efforts to broader markets. ✅ Understanding and calculating the true cost-per-sale involves more than just the simple division of ad spend by cars sold. ✅ Dealerships should ensure their marketing managers have both automotive sales experience and technical knowledge in digital marketing certifications. ✅ Successful dealer strategies often include a mix of both traditional and digital marketing methods, customized to their specific market needs.   About Troy Spring Troy Spring, Co-founder of Dealer World, is an automotive industry veteran with nearly 40 years of experience! He sold his first car at the age of 18 and rose quickly within the ranks to manage dealerships, including leading a four-store group as a platform manager. In 2009, Troy founded Dealer World, a boutique advertising agency specializing in driving traffic and sales strategy for car dealerships. He later co-founded Dealer Funnel, focusing on nurturing leads for better conversion rates. Known for his innovative approach and in-depth understanding of both traditional and digital automotive marketing, Troy is highly respected in the industry!   Disrupting Auto Dealership Strategies: Insights from Industry Experts Key Takeaways Dealers must focus on securing their local market before venturing into new territories to maximize profitability. A holistically-managed marketing plan, customizable per dealership's needs, outperforms cookie-cutter OEM vendor solutions. Successful dealership marketing relies on understanding both traditional and digital advertising fundamentals. The Importance of Protecting Your Primary Market Area (PMA) In the fast-paced world of automotive dealerships, focusing on expansion without reinforcing the existing customer base can be a recipe for inefficiency. Sean V. Bradley, president of Dealer Synergy, suggests a foundational strategy: focus on protecting your primary market area first. Bradley asserts that many dealers overlook the rich opportunities available locally. "It's interesting," Bradley remarks, "we'll sit with a dealer, and they'll say, 'I got to go after XYZ down the street,' when they should be protecting their backyard first." This discussion highlights that the inclination to conquest rather than consolidate can lead to a dilute marketing focus. The result? Dealers potentially miss out on higher return-on-investment (ROI) opportunities domestically. Bradley's recommendation to analyze the pump-in, pump-out report is a strategic reminder to first solidify one's standing locally. This approach not only optimizes ROI but also reduces advertising costs associated with pursuing less familiar, distant markets. Taking Bradley's advice to heart, a dealership can enjoy the double benefit of deepening customer loyalty while also enhancing word-of-mouth marketing locally. Through focusing efforts on holding on to current clientele before aggressively targeting competitors', dealerships can achieve a more sustainable, profitable growth model. Crafting a Custom Marketing Strategy: Beyond OEM and Vendor Scripts Both Bradley and Troy Spring, founder of Dealer World, make compelling cases against the dependency on prescribed OEM and vendor-driven tactics. Amid the rising challenges facing automotive dealerships, they argue for a bespoke marketing strategy that's adaptable to each dealership's unique environment. Spring states, "You have to be with someone who can think holistically because if you're on with linear OEM vendors, you're just gonna get told why you should continue to do more and more of what it is that they sell." Such insights underscore the limitations of formulaic marketing solutions. While OEMs often push for uniformity—to simplify their nationwide branding and operations—dealerships must vigilantly evaluate these suggestions. Bradley underscores a critical point, proposing that dealers risk spending thousands unnecessarily on ineffective lead generation strategies because they blindly follow OEM guidance. The conversation dives into the economics of advertising. Bradley shared, "I've got a dealer group spending $70,000 on a splash page generating just a few hundred leads each month." This statistic serves as a caution against the pitfalls of not closely scrutinizing advertising expenditures versus results. It's essential for dealerships to cultivate an advertising strategy where each segment, from pay-per-click (PPC) to SEO and database marketing, functions as an integrated system rather than disparate efforts. This avoids the trap of bloated expenses disguised within bundled packages, which can negate perceived savings with reduced effectiveness. Bridging Traditional and Digital Advertising for Maximum Impact The discussion also delves into appreciating the coexistence of traditional and digital advertising within dealership marketing, which offers a nuanced approach to driving traffic. One standout revelation from Troy Spring? The effectiveness of direct mail. Although often regarded as an antiquated medium, Spring asserts, "Nothing has ever worked better than direct mail." It's a thought-provoking declaration in an era rich with digital solutions. Contrary to perceived obsolescence, traditional methods such as direct mail remain relevant, especially when optimized with the latest data analytics techniques. Properly targeted, a traditional medium can reach high potential customers directly and personally. Given the inundation of digital ads, a physical piece of mail stands out, often carrying more weight. Spring further suggests that while digital tools, like social media and search engine marketing (SEM), play critical roles in modern strategies, their effectiveness hinges heavily on their synergy with traditional advertising channels. These multifaceted campaigns leverage the strengths of both domains—ability to track and personalize digital ads with the tangible and trust-building potential of offline methods. Emphasizing on integrative approaches that couple interactive digital platforms with traditional media allows dealerships to engage in comprehensive advertising strategies personalized to consumer behavior trends. Through harmonizing these forces, a dealership's presence is effectively cemented in the market, leveraging the best aspects of each medium. A Synthesis of Strategy and Practice The insights shared by Sean V. Bradley and Troy Spring showcase a wealth of expertise in crafting dealership marketing strategies that balance innovative thinking with foundational business tenets. As dealerships navigate the complexities of an ever-evolving industry landscape, these professionals emphasize the necessity for both strategic foresight and a command over advertising mechanics. Essentially, the most adept dealerships will be those that recognize the imperative to protect their primary markets while scaling responsibly. They explore bespoke advertising solutions beyond OEM packages, integrating digital dexterity with traditional marketing. Each dollar spent should be scrutinized for its ROI, as the measure of an effective advertisement goes beyond impressions or clicks to the tangible growth it champions for the dealership. In an industry as competitive as automotive sales, this layered, integrated approach becomes the solutions beacon through transformative, modern advertising challenges.   Resources + Our Proud Sponsors: ➼ The Millionaire Car Salesman Facebook Group: Join the #1 Mastermind Group in the Automotive Industry with over 29,000 members worldwide. Collaborate with automotive professionals, learn the best industry practices, and connect with top mentors, managers, and sales leaders. Join The Millionaire Car Salesman Facebook Group today! ➼ Dealer Synergy: The automotive industry's #1 Sales Training, Consulting, and Accountability Firm. With over 20 years of proven success, Dealer Synergy has helped dealerships nationwide build high-performing Internet Departments and BDCs from the ground up. Our expertise includes phone scripts, rebuttals, CRM action plans, lead handling strategies, and management processes; all designed to maximize your people, processes, and technology! ➼ Bradley On Demand: The automotive industry's most powerful Interactive Training, Tracking, Testing, and Certification Platform. With LIVE virtual classes and access to a library of over 9,000 on-demand training modules, Bradley On Demand gives your dealership the tools to dominate every department: Sales, Internet, BDC, CRM, Phone, and Leadership. From sharpening individual skills to elevating entire teams, this platform ensures your people are trained, tested, and certified for maximum success. Equip your dealership to sell more cars, more often, and more profitably with Bradley On Demand!  

A significant majority of business owners and marketers seedigital marketing as a key growth driver, with studies showing over 60% (e.g.,61% in one report) finding improvements in effectiveness and ROI, citingbenefits like increased exposure (83%), traffic (73%), and leads (65%), withemail marketing and SEO often highlighted as top performers for driving revenueand qualified leads. Businesses with higher digital maturity are significantlymore likely to see strong sales growth, confirming digital marketing's impacton growth, reports Business.com Garrett Hammonds is a partner at Hammonds Media andMarketing, where he leads digital marketing, sales, and business development.He's managed ad budgets of over $16 million a year and helped businessesgenerate more than $100 million in revenue. With expertise in digital ads, SEO,and growth strategy, Garrett specializes in helping even the most nicheindustries scale through digital marketing.Garrett Hammonds is not your typical marketer. He didn'tstart with a business degree or a plan to run an agency. In fact, his earlypath was toward teaching high school speech and debate after becoming anationally ranked college debater. Yet what began as “Garrett's young, he cando social media” at his first job turned into a career helpingorganizations—from nonprofits to SaaS companies to Fortune 500 partners—growthrough digital marketing. Under his leadership, HMM was the only Oklahoma agencyselected to attend Google's first-ever Search Central Live conference in NewYork City in 2025, and the agency has also been recognized by Clutch as one ofthe top digital marketing agencies in Oklahoma.  He joined me this week to tell me more.  -For more information: https://www.hmm.agency/Email: garrett@hmm.agency LinkedIn: @GarrettHammonds

Today's guest is Umesh Rustogi, General Manager of Dragon for Nursing, Microsoft Health & Life Sciences. Umesh joins Emerj Editorial Director Matthew DeMello to explore how nursing workflows are straining under documentation burden, and how ambient AI is being built — not repurposed — to fit the realities of frontline care. The conversation also examines practical workflow changes already emerging in the field, as well as early ROI signals to watch for. 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!

Episode 97 – Do More of What Works: How to Stop the Hamster Wheel and Grow on Purpose Are you exhausted from doing all the things in your business… but not really seeing the results you want? In this episode of How to Grow My Small Business, we're wrapping up 2025 with a straight-talking, faith-fueled strategy session on one simple idea: If you want different results, you have to do more of what works—and stop doing what doesn't. I share a powerful story Alex Hormozi told about a real estate agent who's making roughly $13,000 an hour from Facebook Lives (yes, really)… and the wildly simple advice he gave her to scale. Then we pull that principle into your business and walk through: How to identify what's actually working How to spot what's not working (even if you like doing it) How to evaluate every task through a simple “sell or serve” filter Why stewardship—not hustle—is the real growth strategy for Christian entrepreneurs If you're tired of running on the business hamster wheel and ready to act like the CEO and steward of your time, money, and gifts, this episode will give you the clarity (and the nudge) you need. In this episode, you'll learn:

In this episode of the Real Estate Pros podcast, host Michelle Kesil interviews Jack May, a seasoned real estate broker and investor. Jack shares his journey in real estate, focusing on flipping houses and managing rental properties. He emphasizes the importance of networking, understanding market dynamics, and maximizing ROI. Jack also discusses various investment strategies, including the recent changes in legislation regarding manufactured housing in Kentucky. He provides valuable insights for new investors and highlights the significance of having a reliable team of contractors.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode of the Real Estate Pros podcast, host Kristen interviews Nadine Lajoie, an international speaker, bestselling author, and real estate investor. Nadine shares her journey from being a financial planner to becoming a successful real estate investor, emphasizing the importance of tax strategies, understanding ROI, and taking actionable steps in real estate. She discusses common misconceptions in the industry, budgeting tips, and the tools she has developed to help others succeed in real estate investing.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

What if your best-performing marketer didn't sleep, worked 24/7, and only cost $20/month?That's exactly what Michael Stelzner, founder of Social Media Examiner and Social Media Marketing World, has built using Claude Projects from Anthropic — and in this episode, he breaks it all down.If you're a business leader, you're in the content business — whether it's emails, reports, proposals, or social posts. But creating high-performing content consistently? That's where most fall short. This conversation will change that.Michael reveals his full AI-powered system for building persuasive marketing assets using Claude Projects — including the exact prompts, project structure, training methods, and use cases that are already driving massive ROI for his events and brands.In this session, you'll discover:How Claude Projects work (and why Michael prefers them over ChatGPT or Gemini)Why business leaders should think of AI as a strategist, not just a toolHow to train Claude to become your best-performing marketing writerReal-world examples of email marketing, podcast scripting, and ideationHow AI helps you scale personalization for different customer segmentsWhat kind of files, instructions, and feedback loops make Claude better over timeCreative ways to repurpose Claude for podcast planning, ad scripts, and beyondWhy better output beats faster output when it comes to business impactMichael Stelzner is the founder of Social Media Examiner, the host of Social Media Marketing Podcast and AI Explored, and the creator of Social Media Marketing World and AI Business World. He's a leading voice in content, marketing, and innovation — helping business leaders stay ahead of what's next.

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!

skinfix began when founder Amy Gordinier discovered a 150-year-old healing balm in a small town in eastern Canada—a shockingly potent formula that outperformed many modern products. The pharmacist's family had boxes of handwritten letters from people whose skin and confidence had been transformed by it. Inspired, Amy rebuilt that legacy with a modern edge, creating skinfix: clean, clinical, barrier-first skincare powered by high-potency actives. The brand is engineered for people who've tried everything and are still searching for real results. skinfix delivers fast-acting repair now and healthier-looking skin over time, tackling stubborn concerns at the root. Their formulas pair clinical actives with moisture-locking hydrators to maximize impact while minimizing irritation. Every product is tested and recommended by unbiased dermatologists and proven to work on real, reactive, complicated skin. If your routine is crowded but your results are lacking, skinfix is the brand built to fix it.In this episode, Amy also discusses:Serving humanity by helping people heal their skin—and, in turn, their livesTackling tough skin issues, from eczema and psoriasis to rosaceaUnlocking glowing skin with the ultimate barrier repair routineThe role of clinical testing: the secret to brand loyalty and credibilityThe importance of cleansing and understanding what your skin truly needsHarnessing the power of organic love on social beyond viral momentsWe hope you enjoy this episode and gain valuable insights into Amy's journey and the growth of skinfix. Don't forget to subscribe to the Glam & Grow podcast for more in-depth conversations with the most incredible brands, founders, and more.Be sure to check out skinfix at www.skinfix.com and on Instagram at @skinfix Rated #1 Best Beauty Business Podcast on FeedPostThis episode is brought to you by WavebreakLeading direct-to-consumer brands hire Wavebreak to turn email marketing into a top revenue driver.Most eCommerce brands don't email right... and it costs them. At Wavebreak, our eCommerce email marketing agency helps qualified brands recapture 7+ figures of lost revenue each year.From abandoned cart emails to Black Friday campaigns, our best-in-class team manage the entire process: strategy, design, copywriting, coding, and testing. All aimed at driving growth, profit, brand recognition, and most importantly, ROI.Curious if Wavebreak is right for you? Reach out at Wavebreak.co

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/ 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/ 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

Stéphane Bern raconte une favorite à part dans l'Histoire, une courtisane qui a gagné la cour de Versailles tout autant que le cœur du roi. Ou la véritable histoire de Jeanne du Barry, la dernière favorite de Louis XV.Qui est vraiment Jeanne du Barry ? Comment cette roturière s'est-elle hissée jusqu'à la cour du Roi ? Quels secrets la favorite de Louis XV a-t-elle tenté d'emporter avec elle à sa mort ?Pour en parler, Stéphane Bern reçoit l'historien Emmanuel de Waresquiel, auteur de "Jeanne du Barry, une ambition au féminin” (Tallandier). (rediffusion)- Présentation : Stéphane Bern- Réalisation : Guillaume Vasseau- Rédaction en chef : Benjamin Delsol- Auteure du récit : Charlotte Chaulin- Journaliste : Aude CordonnierHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

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

Why you should listenLearn the specific signals that indicate a client is ready for automation support, including the "cusp of scale" indicators Jared uses to identify businesses where systems work can deliver immediate ROI.Get the scoping questions Jared asks before every automation project, from "Is this always going to be assigned to this person?" to the scale and maintenance questions that prevent tech debt before it starts.Discover how Jared positions automation services as strategic partnership rather than task execution, allowing him to charge for advice and push back on client ideas rather than just building what they ask for.Scaling your business but drowning in systems that don't talk to each other and growing pains that get louder by the week? In this episode, I talk with Jared Weiss from Matix Flows, who spent over a decade in the startup trenches before launching his own automation consultancy. We dig into why so many business owners end up with tech debt they don't even realize they're building, and what it takes to create systems that actually support growth instead of creating constant firefighting. If you've ever wondered whether your automation setup is helping or secretly holding you back, this conversation will challenge how you think about your operations.About Jared WeissJared Weiss is the founder of Matix Flows, where he helps growing businesses turn messy systems and scattered workflows into smooth, scalable operations. With over a decade of marketing and automation experience—including serving as Director of Marketing at SaaS company Redlist—Jared specializes in business automation, CRM optimization, and strategic consulting with hands-on execution.Known for his holistic approach from working across multiple departments, Jared bridges the gaps between marketing, sales, and operations to create systems that actually work. He partners directly with business owners buried in manual tasks, helping them automate follow-ups, lead routing, and task handoffs so they can focus on growth instead of getting stuck in the weeds. His philosophy is simple: ideas alone don't drive growth—systems do.Resources and LinksMatixflows.comJared's LinkedIn profileZapierUpworkPrevious episode: 653 - Why Plumbers Get Paid More Than Most ConsultantsCheck out more episodes of the Paul Higgins PodcastSubscribe to our YouTube channel: @PaulHigginsMentoringJoin our newsletterSuggested resources

This episode's Community Champion Sponsor is Ossur. To learn more about their ‘Responsible for Tomorrow' Sustainability Campaign, and how you can get involved: CLICK HEREEpisode Overview: Artificial intelligence is transforming every industry, but without proper governance, boards risk investing in tech hype rather than strategic value. Our next guest, JaeLynn Williams, is helping pioneer the opportunities in front of us as CEO of Decision Frame. With a remarkable career leading innovation across healthcare and aviation—from launching 3M's award-winning 360 Encompass AI platform to guiding Air Methods Corporation through a complex $1.3 billion turnaround—JaeLynn brings unparalleled insight to AI adoption. Driven by the belief that intellectual curiosity and discomfort fuel breakthrough leadership, she's developed the Board AI Governance Index™, a groundbreaking framework helping boards, entrepreneurs, and executives balance innovation with accountability. Join us to discover how Decision Frame's proprietary tools are enabling leaders to harness AI's transformative potential responsibly while protecting shareholder value in an era of unprecedented disruption. Let's go!Episode Highlights:Intellectual curiosity drives innovation - Success comes from diving in, staying uncomfortable, and moving into uncharted territory with a learner's mindsetAI is a leadership challenge, not just a technology issue - Unlike traditional IT governance, AI transforms how work gets done across entire organizations and requires comprehensive oversight95% of AI pilots fail to deliver value - Without proper governance frameworks, organizations risk wasting capital on countless pilots that don't translate to ROI or meaningful outcomesData governance is the foundation - Clean, well-governed data is essential for AI success; without it, organizations face compliance issues and failed implementationsThe Board AI Governance Index™ creates a common measurement language - The framework enables leaders to articulate their AI maturity level and strategic choices to investors without revealing proprietary informationAbout our Guest: JaeLynn Williams is a nationally recognized executive leading innovation in healthcare, aviation, and artificial intelligence. She most recently served as Chief Executive Officer of Air Methods Corporation, a $1.3 billion national provider of air medical and aviation services, where she effectively guided the company through a complex turnaround and strategic transformation.Previously, she held senior leadership roles at GE Healthcare Digital, where she gained global experience helping health systems worldwide modernize enterprise imaging, clinical, and revenue cycle systems. Earlier in her career, she was President of 3M Health Information Systems (HIS), where she led the innovation and launch of the award-winning 360 Encompass platform — one of healthcare's largest and most successful AI-driven solutions, incorporating machine learning and natural language processing to transform clinical documentation and coding, and now relied on by hospitals across the United States.Today, JaeLynn leads Decision Frame, which develops tools to help boards, entrepreneurs, and executives adopt artificial intelligence responsibly while harnessing its transformative potential. Its suite of proprietary frameworks — the Board AI Governance Index™, Small Business AI Index™, and Middle Market AI Index™ — enables leaders to evaluate readiness, manage risk, and explore new opportunities.With a career marked by pioneering in overlooked yet vital areas, JaeLynn is a highly sought-after advisor, speaker, and...

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.