Podcasts about save cash

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Best podcasts about save cash

Latest podcast episodes about save cash

PLANETA: O Podcast do Líder com Carlos Hoyos
#161 - Para Que Serve A Tecnologia? Com Miguel Lopes

PLANETA: O Podcast do Líder com Carlos Hoyos

Play Episode Listen Later Apr 15, 2024 45:21


Convido você a ouvir um episódio fascinante do podcast Líder de Elite, onde exploramos as multifacetadas aplicações da tecnologia no mundo moderno. Neste episódio, não só mergulhamos na história da tecnologia, mas também discutimos suas implicações futuras com Miguel Lopes, um profissional com uma carreira diversificada e uma paixão por resolver problemas reais da sociedade. Prepare-se para uma viagem desde a invenção do fogo até as fronteiras da inteligência artificial. Sumário: ◾ Miguel discute sua paixão por tecnologia e filosofia. ◾ Tecnologia e contribuição social: criação de uma ONG de tecnologia. ◾ Histórico da tecnologia desde ferramentas de pedra até a agricultura. ◾ Avanços significativos: da bússola à máquina de impressão. ◾ Do telégrafo ao telefone: evolução das comunicações. ◾ Desenvolvimento de tecnologias de impacto, como a bomba atômica. ◾ Reflexão sobre a verdadeira função da tecnologia na sociedade. ◾ Mudanças no varejo e impacto das tecnologias de entrega. ◾ Tecnologias futuristas na alimentação: experiências sensoriais e carnes sintéticas. ◾ Discussão sobre a inteligência artificial e redes sociais com menos anúncios. ◾ Diferenças entre modelos de negócios digitais e pós-digitais. ◾ Tecnologia como solução e criadora de novos desafios. Miguel Lopes Miguel tem uma carreira dinâmica, tendo participado de várias áreas dentro de grandes corporações - Rhodia, Amdocs, Gessy Lever, Motorola e Motorola Solutions. Especialista em Tecnologia de Automação e Tecnologia da Informação. Único líder de projetos globais em TI fora da matriz da Motorola Solutions. Presidente do Conselho de empresa de tecnologia - Save Cash. Membro de diversos clubes de negócios. Presidente do Comitê de CIOs do WTC Business Club São Paulo. Mentor de carreira de profissionais de tecnologia. Investidor pre-seed. Implantou diversos projetos em várias localidades do planeta. MBA em Gestão de Empresas pela ESPM. Vencedor do concurso de Plano Estratégico de Negócios da FAPESP. Palestrante sobre temas de tecnologia, inovação e transformação digital. https://www.linkedin.com/in/miguel-lopes-mentor-conselheiro-board-cio-it-inovacao-transformacao-digital-palestrante ⁠#podcast #tecnologia #liderança

4BC Breakfast with Neil Breen Podcast
Robbie Katter being 'proactive' and trying to save cash before it's too late

4BC Breakfast with Neil Breen Podcast

Play Episode Listen Later Mar 21, 2024 9:17


Robbie Katter the member for Traeger, joined Peter Gleeson on 4BC Drive to provide an update on his motion to have parliament commit to protect the future of cash as legal tender.See omnystudio.com/listener for privacy information.

Under The Hood show
Car Tips To Help You Save Cash On Car Repairs

Under The Hood show

Play Episode Listen Later Mar 7, 2024 49:43


1992 Corvette LT1 engine dies Opti Spark Distributor. Why does my car have steering wheel play, steering is loose 2009 Crown Vic. 1970 Corvette what tire pressure should I use? Why does my 2018 Ford Explorer get worse gas mileage after a tune up. Really bad. Why does my 2018 Toyota Camry Hybrid get bad fuel mileage? 2003 Chevy 8.1 Truck 2500 won't start. The After show.

Eight Frugal Minutes
5 Money Saving Challenges: Implement New Ways to Save Cash in 2024

Eight Frugal Minutes

Play Episode Listen Later Nov 29, 2023 9:14


Thinking about what money saving challenges to implement in 2024? On this episode of Eight Frugal Minutes, we share 5 ways to save cash in 2024. Now is the time to figure out your financial situation for saving in the New Year. There are so many choices to consider! --- Send in a voice message: https://podcasters.spotify.com/pod/show/eight-frugal-minutes/message

Digital Finance Analytics (DFA) Blog
Save Cash: Do It Now! With Robbie Barwick…

Digital Finance Analytics (DFA) Blog

Play Episode Listen Later Nov 10, 2023 12:22


Following the Optus outage this week, the Senate has launched an Inquiry into the issue and impact. One element to the fore was the lack of access to cash thanks to recent bank branch and ATM closures and some businesses choosing to go digital only. Useless when the network or power goes out. So we … Continue reading "Save Cash: Do It Now! With Robbie Barwick…"

Eight Frugal Minutes
How to Celebrate Halloween on a Budget: 5 Tip to Save Cash

Eight Frugal Minutes

Play Episode Listen Later Oct 4, 2023 9:51


Are you wondering how to celebrate Halloween on a budget? You can save a lot of cash and still be frightened! On this episode of a Frugal Minutes, we offer five tips to save money, from costumes to candy, and still have a really spooky night of fun. --- Send in a voice message: https://podcasters.spotify.com/pod/show/eight-frugal-minutes/message

Eight Frugal Minutes
How to Save Money at Restaurants: 4 Tips to Save Cash When You Want to Go Out to Eat

Eight Frugal Minutes

Play Episode Listen Later Aug 21, 2023 9:10


Wondering if you can go out to eat and still keep within your budget? With restaurant prices steadily increasing, you might need a few of these tips on this episode of Eight Frugal Minutes to save cash, enjoy a great meal, and keep your wallet happy. --- Send in a voice message: https://podcasters.spotify.com/pod/show/eight-frugal-minutes/message

Eight Frugal Minutes
How to Have a Debt Free Vacation: 5 Tips to Save Cash While Relaxing

Eight Frugal Minutes

Play Episode Listen Later May 31, 2023 13:56


Have you wondered how to have a debt-free vacation? On this episode of Eight Frugal Minutes, we share five tips to save cash while relaxing. Whether you're going to the beach, a national park, or even your favorite destination spot, a debt free vacation allows you to enjoy your time without your wallet worrying about the consequences when you get home. --- Send in a voice message: https://podcasters.spotify.com/pod/show/eight-frugal-minutes/message

Eight Frugal Minutes
Ready for Summer Heat? 5 Tips to Save Cash and Prepare for Hot Weather

Eight Frugal Minutes

Play Episode Listen Later May 30, 2023 9:15


Do you know how to beat the heat? Are you thinking about how to avoid breaking your budget with over the top electric bills if you need to stay cool this summer? On this episode of Eight Frugal Minutes, we offer five tips to prepare for hot weather and keep your budget in check. --- Send in a voice message: https://podcasters.spotify.com/pod/show/eight-frugal-minutes/message

Laura's List
'Tips To Save Cash!' 04/20/23

Laura's List

Play Episode Listen Later Apr 20, 2023 29:15


-Can you guess the Top 10 most beloved brands? -Tips to save money? Listeners share their wisdom -Guess My Age -Debate: Is it a bad look to order something super expensive when the boss is paying for dinner?

Eight Frugal Minutes
How to Save Money Buying Toys: 6 Tips to Save Cash

Eight Frugal Minutes

Play Episode Listen Later Apr 17, 2023 9:10


Have you ever wondered how to save money buying toys? On this episode of Eight Frugal Minutes, we discussed six tips to save cash when buying creative and imaginative toys the kids will love. --- Send in a voice message: https://podcasters.spotify.com/pod/show/eight-frugal-minutes/message

The Ohio State University Inspire Podcast
Gen Z's thrifting ninjas save cash, help the planet

The Ohio State University Inspire Podcast

Play Episode Listen Later Mar 22, 2023 27:26


Young consumers mean serious business when they shop resale, and their eclectic, eco-minded style is anything but cliché. Ohio State students and Fashion Retail Studies faculty offer tips for scoring big in thrift stores.  2023 Fashion Production Association Show    Link to transcript

Eight Frugal Minutes
How to Find Grocery Coupons; Save Cash Locating Free Coupons Before You Shop

Eight Frugal Minutes

Play Episode Listen Later Mar 16, 2023 10:45


Are you wondering how to find grocery coupons on items you purchase? On this episode of Eight Frugal Minutes, we discuss how you can save cash locating free coupons on items you use before you shop. Saving money on items in your shopping cart has never been easier! --- Send in a voice message: https://anchor.fm/eight-frugal-minutes/message

Eight Frugal Minutes
How to Save Money in the Garden: 6 Ideas to Easily Save Cash if You Have a Green Thumb

Eight Frugal Minutes

Play Episode Listen Later Mar 15, 2023 12:00


Are you wondering how to save money in the garden? On this episode of Eight Frugal Minutes, we discuss six ideas to have more green in your pocket while having a luscious garden, too. --- Send in a voice message: https://anchor.fm/eight-frugal-minutes/message

Eight Frugal Minutes
How to Find Free Moving Boxes in Your Community: Recycle and Save Cash at the Same Time

Eight Frugal Minutes

Play Episode Listen Later Feb 8, 2023 10:16


Do you need moving boxes soon? Are you looking to save a few bucks by not paying for new boxes and like the idea of recycling sturdy clean boxes? On this episode of Eight Frugal Minutes, we reveal where to look to find clean, free moving boxes in your community. --- Send in a voice message: https://anchor.fm/eight-frugal-minutes/message

Marketplace All-in-One
Pakistan’s bid to save cash

Marketplace All-in-One

Play Episode Listen Later Jan 4, 2023 6:57


From the BBC World Service: Pakistan’s economy appears to be teetering on the brink. Inflation is at almost 25%, its debts continue to spiral and the country is running out of foreign currency. Now the government has taken drastic measures to try and save cash. Markets, shops, wedding halls and restaurants will have to close early every evening to conserve energy. We get the view from business. Plus, there’s been more disruption in Bolivia’s economic heartland. And, women’s cricket in India is coming of age with pay parity and lucrative commercial deals.

Marketplace Morning Report
Pakistan’s bid to save cash

Marketplace Morning Report

Play Episode Listen Later Jan 4, 2023 6:57


From the BBC World Service: Pakistan’s economy appears to be teetering on the brink. Inflation is at almost 25%, its debts continue to spiral and the country is running out of foreign currency. Now the government has taken drastic measures to try and save cash. Markets, shops, wedding halls and restaurants will have to close early every evening to conserve energy. We get the view from business. Plus, there’s been more disruption in Bolivia’s economic heartland. And, women’s cricket in India is coming of age with pay parity and lucrative commercial deals.

Healthy-ish
How to save cash when cooking

Healthy-ish

Play Episode Listen Later Oct 19, 2022 9:52


No doubt you're feeling the financial squeeze, so cook and author Alex Elliott-Howery is here to help you save cash with your food bills - she shares her hacks for cheaper (and healthy) cooking. WANT MORE FROM ALEX? To hear today's full interview, where Alex shares her hacks for reducing food waste...search for Extra Healthy-ish wherever you get your pods. Find out more about the cookbook The Food Saver's A-Z (Murdoch Books, $49.99), here. For more on Sydney's Cornersmith Cooking School and cafe, see here.  WANT MORE BODY + SOUL?  Online: Head to bodyandsoul.com.au for your daily digital dose of health and wellness. On social: Via Instagram at @bodyandsoul_au or Facebook. Or, TikTok here. Got an idea for an episode? DM host Felicity Harley on Instagram @felicityharley.  On YouTube: Watch Body + Soul TV here. In print: Each Sunday, grab Body+Soul inside The Sunday Telegraph (NSW), the Sunday Herald Sun (Victoria), The Sunday Mail (Queensland), Sunday Mail (SA) and Sunday Tasmanian (Tasmania). See omnystudio.com/listener for privacy information.

RTÉ - Brainstorm
How to save cash on your energy bills

RTÉ - Brainstorm

Play Episode Listen Later Sep 27, 2022 5:32


Reducing energy use is the most immediate measure we can do to reduce our exposure to high energy bills

Eight Frugal Minutes
Buy Generic? How to Save Cash on Your Weekly Grocery Shopping Budget

Eight Frugal Minutes

Play Episode Listen Later Sep 20, 2022 9:44


Looking to save money on your weekly grocery shopping? Have you considered generic? On this episode of Eight Frugal Minutes we reveal why you should consider buying some generic items and stop paying for name brands. You might be surprised to learn that some generic items are made by the big brands too --- Send in a voice message: https://anchor.fm/eight-frugal-minutes/message

Retirement Planning Education, with Andy Panko
#040 - Q&A edition...delaying Social Security, when to start a pension, RMDs on inherited IRAs, where to save cash and MORE!

Retirement Planning Education, with Andy Panko

Play Episode Listen Later Sep 15, 2022 38:47


Listener Q&A where Andy answers questions about:How to calculate the increase to Social Security for delaying the start of benefits, or the decrease for starting benefits earlyWhat to consider with regards to when to start receiving a pensionWhat Required Minimum Distributions ("RMDs") are necessary when inheriting an IRA from someone who inherited it from its original ownerHow bullet ETFs are taxedTaking just spousal benefits while letting your own Social Security benefit growThe options available to safely save cash for a few yearsLinks in this episode:Facebook group - Taxes in RetirementYouTube channel - Retirement Planning DemystifiedNewsletter - Retirement Planning Insights

Tech Talk Y'all
Are we prepping for Y4K?

Tech Talk Y'all

Play Episode Listen Later Aug 1, 2022 34:21


Brought to you by TogetherLetters & Edgewise! In this episode: Google Fires Blake Lemoine, Engineer Who Called Its AI Sentient Google fires engineer who contended its AI technology was sentient Twitter Pares Office Space to Save Cash, Deepen Remote-Work Tilt Senate passes bill to boost U.S. chip production and China competition, sending to House Don't Look Now, but Congress Might Pass an Actually Good Privacy Bill Google delays when Chrome will phase out third-party cookies to 2024 The Unsolved Mystery Attack on Internet Cables in Paris Hackers scan for vulnerabilities within 15 minutes of disclosure Apple politely explains why iPhone cases are a waste of money AD BREAK Tesla's $1.5 Billion Bet on Bitcoin Went Exactly as You Might Have Expected--Not Good Facebook Parent Meta Platforms Reports First Ever Revenue Drop Spotify Hits 188M Paying Subs, Exceeding Expectations, and Grows Quarterly Ad Revenue Why One Critical Second Can Wreak Havoc on the Internet Google Maps rolls out location sharing notifications, immersive views and better bike navigation Weird and Wacky: 765 Price Canyon Rd, Pismo Beach, CA 93449 It's Official: Astronomers Have Discovered Another Earth Tech Rec: Sanjay - https://loooooooooooooooooooooooooooooooooooooooooooooooooooooooooooooo.ng/ Adam - Rhodia A5 Webnotebook, Dot, Black --- Send in a voice message: https://anchor.fm/techtalkyall/message

Right Now with Lou
“Air”mageddon, Big Cash For Your Airline Seat, And How To Save Cash On Your Weekend BBQ

Right Now with Lou

Play Episode Listen Later Jul 2, 2022 52:01


Bad weekend for airplane travel - Southwest, United, American, and Delta all report delays, cancellations, and troubles! How much cash would it take for you to give up your seat? - You are not going to believe what is being offered to be bumped! And how to get through your 4th of July BBQ on the cheap.

The Which? Money Podcast
Should you cut pension payments to save cash now?

The Which? Money Podcast

Play Episode Listen Later Jun 3, 2022 34:25


With increasing numbers of us looking at ways to cut corners to save money right now, we examine whether reducing the amount you pay into your pension is ever a good idea. We also hear how much you should be looking to save, and give a reminder of the help available if you're struggling with the current cost of living. See acast.com/privacy for privacy and opt-out information.

Eight Frugal Minutes
Save Cash with Store Loyalty Programs: Sign Up for Free Coupons, Deals, Discounts

Eight Frugal Minutes

Play Episode Listen Later May 30, 2022 10:05


Inflation busting episode! Are you signing up for store loyalty programs. Its an easy way to save money on items you already purchase. On this episode of Eight Frugal Minutes we reveal how to get coupons, deals and discounts with store loyalty programs in your area. --- Send in a voice message: https://anchor.fm/eight-frugal-minutes/message

Mind On Your Money
Ep.26 - How and why to save cash: Mental health in 10 reasons (Acumen/Cash)

Mind On Your Money

Play Episode Listen Later May 12, 2022 17:46


There is a link between financial well-being and overall (including mental) well-being. Cash savings are fundamental for financial well-being which is linked to mental well-being. In this episode I give 10 incentives to get you into the habit of saving (and investing).

FnA Van Life
#76 Van Life in the News: Save Cash, Blow Your Budget, Live in a Rainforest Café, the Internet has No Clue

FnA Van Life

Play Episode Listen Later May 8, 2022 30:09


Become a Patron today to get access to this full podcast and so much more! https://patreon.com/fnavanlife Articles from today: https://www.kcrw.com/news/shows/greater-la/covid-economy-student-housing-floral-shop/van-life-ucsb https://nz.news.yahoo.com/couple-halve-living-costs-moving-van-travelling-uk-112856084.html https://www.businessinsider.com/winnebago-rv-and-boat-maker-has-a-44-billion-backlog-2022-3 https://www.sandiegoreader.com/news/2022/apr/20/stringers-van-lifers-get-around-san-diegos-hostili/ https://www.nytimes.com/2022/04/20/magazine/van-life-dwelling.html --- Support this podcast: https://anchor.fm/fnavanlife/support

Eight Frugal Minutes
6 Fun Ways to Save Cash: How to Make Your Financial Steps Part of a Happy Journey

Eight Frugal Minutes

Play Episode Listen Later Feb 7, 2022 8:31


Looking for fun ways to save cash? On this episode of Eight Frugal Minutes we discuss 6 fun ways to save cash. Saving money is a serious financial step, but it doesn't have to be solemn task. Try these fun, creative ways to save cash today! --- Send in a voice message: https://anchor.fm/eight-frugal-minutes/message

Eight Frugal Minutes
Money Saving Fast Food Tips: How to Save Cash at Your Favorite Restaurants

Eight Frugal Minutes

Play Episode Listen Later Dec 15, 2021 12:41


Fast food restaurants can damage your wallet, especially if you're feeding a family. But you don't have to pay full price! On this episode of Eight Frugal Minutes we offer tips on how to save cash at almost every fast food chain. And the best part? It's easy to do! --- Send in a voice message: https://anchor.fm/eight-frugal-minutes/message

The Progressive Property Podcast
What Should You Invest in Property vs Stock Market vs Crypto

The Progressive Property Podcast

Play Episode Listen Later Dec 7, 2021 36:11


There are five main ways you can generate wealth: Save Cash, Invest in Gold, Invest in Stock, Cryptocurrencies, Property Investing, The billionaires on the planet, make their money in one of these five ways and in this episode, Kevin discusses and compares them, both the positives and the negatives in an unbiased way. Discover how tens of thousands of ordinary brits are quietly getting rich with minimum investment! bit.ly/Podcast-MSOPI KEY TAKEAWAYS Do we really know what we are doing when we save cash? The depreciation of sterling and all cash can make it an unwise decision. If you are wanting to create generational wealth, cash is the worst way to do it. Whilst you are saving money, you are wasting your time, the time you could be using to get ahead and beat inflation. Having assets is a way to protect your initial investment and protect your money. For example, putting it into property. Many of us have heard that gold is a safe way to save your money. But, Gold prices over the years have in fact gone both up and down, it isn't as sure-safe as we have been lead to think; for example it has only gone up $40 in the past 40 years. Property is always in limited supply. Investing in property is much less of a gamble than investing in something like stocks because of this. Even ‘safe' bitcoins can be a risk. Cryptocurrency is very volatile. It is the wildwest of investing. If you educate yourself well and spend time on researching it is possible to make a good investment from cryptocurrency, if you get in at the beginning you may make a big amount, but there is a big risk attached too. If you look at the property market for generations, it goes up in value. But it's not just about this. It creates you an income day-to-day and it also gives you leverage. If you buy a property, the land beneath it will always be there. In 10, 20, 30 years who knows what will happen with crypto, certain stocks, gold or cash. BEST MOMENTS “The value of Amazons stock is where the real money comes from” “All the things you spend your money up has gone up” “Your money should be working for you in assets” “Cash does not build you wealth, cash makes you poor”  VALUABLE RESOURCES https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk  ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people's property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ See omnystudio.com/listener for privacy information.

Big Boy On Demand
Migos ICYMI, Your Secret Addiction and Your Life Hacks To Save Cash

Big Boy On Demand

Play Episode Listen Later Jun 16, 2021 63:29


Migos ICYMI, Your Secret Addiction and Your Life Hacks To Save Cash

Eight Frugal Minutes
3 Ways to Save Cash Moving (and we are talking real ideas, not coupon codes)

Eight Frugal Minutes

Play Episode Listen Later Apr 1, 2021 12:18


Moving across country? Moving to a new town? Is your child moving for college? If you have moved before you know is expensive. In this episode of 8 Frugal minutes we talked about three ways most people never even consider when moving. All three are budget-friendly and definitely commit to having a safe, stress-free move without breaking the bank. Well discount codes are nice, you need to have the flexibility to move while still saving money. Check out this podcast --- Send in a voice message: https://anchor.fm/eight-frugal-minutes/message

Eight Frugal Minutes
Save Cash Using Discount Store Apps Like the 99 Cents Only Stores

Eight Frugal Minutes

Play Episode Listen Later Jan 18, 2021 8:38


Looking for ways to save money buying items you need at discount stores? There is an app for that! Host Jodi Jill shares how she saved serious cash with a 99 Cents Only Stores App, but she only learned about the opportunity in the check out lane. In this episode she shares how to research discount stores (before reaching the check out) to find apps for freebies, discounts and more on items you actually purchase on a regular basis. Be in the know and start saving cash at your community discount stores with these useful tips! --- Send in a voice message: https://anchor.fm/eight-frugal-minutes/message

RV Maintenance Tips and Information for the DIY
↓Episode 80 – Save Cash with the Mudflap Diesel Fuel App

RV Maintenance Tips and Information for the DIY

Play Episode Listen Later Jan 15, 2021 16:18


In episode 80 Eric talks about saving money on buying diesel fuel by using the Mudflap app. Mudflap isn't just for people who own an RV it's for anyone who uses diesel fuel. By using the Mudflap app at select gas stations you will be able to save up to 50 cents per gallon on gas! Eric has sent this app out to some friends and has had nothing but a positive response from them about how easy and well it works. Using this app in the long run will end up saving you a good amount of money that could've been spent on any number of other things! Be sure to pick this app up to start saving today!   Stay safe everyone and thank you for listening! Please subscribe, rate, and share if you enjoy!   https://radioarizonarv.com/mudflap-fuel-app/ (Mudflap App & Promo Code) Reach us at our website: https://radioarizonarv.com/ (https://radioarizonarv.com/) RV Parts & Accessories: https://arizonarvpartscenter.com/ (https://arizonarvpartscenter.com/) Our Sunshade Products: https://sunpromfg.com/ (https://sunpromfg.com/) Support this podcast

Eight Frugal Minutes
Save Cash at Home: 4 Bill Slashing Tips to Curb Energy Use

Eight Frugal Minutes

Play Episode Listen Later Oct 20, 2020 7:49


Want to save cash at home? On this episode of Frugal Minutes, the podcast is all about energy efficient tips to slash your bills at home. Now more than ever a house is where we work, live and even our child's school. With heavy use comes bigger bills. Here's some tips on how to keep your energy costs in check. --- Send in a voice message: https://anchor.fm/eight-frugal-minutes/message

Wealth Labs with Garrett Gunderson
112. Pay Off Debt Vs. Save CASH During These Times? / Ask The Money Nerds

Wealth Labs with Garrett Gunderson

Play Episode Listen Later Aug 29, 2020 18:52


Do you have a financial question you'd like one of our Financial Nerds to answer? Submit your questions at https://askthemoneynerds.com and watch for our response on an upcoming episode!Should you be stockpiling cash right now or paying off loans? Are life insurance companies safe amidst COVID and the 1.8 million small businesses that are either closed or bankrupt according to a WSJ article? How do you protect yourself while preparing for the opportunities that are ahead?To Get a copy of What Would Billionaires Do? visit: http://billionairesmethod.com/For more resources visit: https://wealthfactory.com/megakit***If you enjoy the podcast, consider leaving a short review on Apple Podcasts/iTunes for us. It takes less than 60 seconds, and it really makes a difference. I also love reading the reviews!Check Out Garrett's Books:Killing Sacred Cows - https://amzn.to/2lMbX1iWhat Would Billionaires Do - https://wlth.co/yt-garretts-billionaire-bookConnect with Garrett:Facebook: https://www.facebook.com/garrettbgundersonTwitter: https://twitter.com/GBGundersonInstagram: https://www.instagram.com/garrettbgundersonLinkedIn: https://www.linkedin.com/in/garrett-gunderson-651359b3/Website: https://wealthfactory.com/

The Quiet Light Podcast
Negotiating Terms With Suppliers to Save Cash Flow with Dan Ashburn

The Quiet Light Podcast

Play Episode Listen Later May 12, 2020 41:45


On today's episode of Quiet Light, Dan Ashburn joins us to discuss negotiating terms with your suppliers. Dan is the co-founder of Titan Network, the Mastermind for Amazon sellers, the China Magic, the immersive Mastermind discussed in another episode. Tune in to pick up some awesome tips about how to save cash and boost the overall value of your business. Topics:  How he came up with this concept. Why face-to-face interaction is important. Forecasting sales, inventory requirements, and pay-out per unit. Using market data to help with forecasting. The formula/numbers Dan uses. Making sure your offer is win-win. Timing your requests. Having perseverance when it comes to your requests. Traveling to China. Transcription: Mark:       Shortly after you buy a business, you're obviously looking for any opportunities to increase your return on investment. Sometimes that's through growth, sometimes that's through different ways of cutting expenses. But oftentimes looking at your suppliers and the terms that you have with your suppliers can be an easy way to free up free cash flow or get better terms or be able to even get different rates. But how do you go about actually negotiating those terms? How do you approach the suppliers, especially when the relationship is new? If you're on the sell side, the same sort of questions applies; how do you approach suppliers in a way where you can increase your return on investment by negotiating better terms? Joe, I know you talked to someone about this and have some good tips here. Joe:          Yeah, Dan Ashburn from Titan Network. You know what? Just in the podcast, I'll just tell you right now, Dan goes through a step by step process to basically walk people through what to do, how to do it and get better terms with your supplier. And the ultimate result, whether you've got a straight-up e-commerce business, a Shopify store, or an Amazon business, or whatever it might be, even retailers that are out there importing from overseas. I hear it over and over again that when you make the right connection in the right way with your supplier, you can get better terms. The end result is more cash flow. More cash flow means you've got the ability to buy more inventory as you try to keep up with growth, which is often a good problem to have. But Dan talks about it quite a bit in there. And the piece that is forgotten and not all that talked about is people are always trying to drive top-line revenue. But if you can negotiate better terms with your supplier and then get a better reduction in the cost of goods sold, it's going to boost your overall value as well. Joe:          Hey, folks, Joe Valley here from Quiet Light Brokerage, and today, I've got Dan Ashburn on the line with me. Dan is the co-founder of Titan Network and I think China Magic as well amongst another a number of other pretty fancy titles and credits to your LinkedIn profile here that I'm looking at, Dan, but that's as far as I get with fancy introductions so why don't you tell the folks that are listening about yourself and about your background and what you do? Dan:         Yeah, sure. Thanks for having me, Joe. So, yeah, I'm the co-founder of Titan Network Mastermind for Amazon Sellers, co-founder, and co-organizer of China Magic, which is a trip where we take 100 people twice a year to source products over in China. We've taken over 500 people now and the co-creator more recently of Amazing Selling Machine. And then my team and I are responsible for delivering eight figures in sales on Amazon per year through my brand management agency. Joe:          That's an awful lot. How do you do all that and not lose all your hair? You got a nice head of hair there. So this is a prod for people to go to the YouTube channel as well. Dan:         Yeah, for sure. So I have a good team around me. I've got a good management team. I've got an executive assistant who makes me look really good. And then, yeah, I just got good people around me so it's pretty cool. Joe:          Okay. There are not a whole lot of Amazon sellers that we have on the podcast and that I deal with on a regular basis; I've been doing this for eight years that have a beautiful British accent. So tell me about that aspect of it. You've got; I don't know how many you said in terms of Amazon sellers, 1,600 that you work with or something like that. How many are typically US-based versus Europe based? Dan:         Yeah, it's a great question. I'd still say the majority of the market is in the US. I'd probably say it's a 70/30 split right now. However, Europe is growing and it's growing fast as markets like Germany, etcetera pick up. And if you combine the combined sales volume of Europe to the US, then it's a good opportunity. And Europe is definitely picking up. A lot of the Europeans are obviously using US as their main channel as the US seller are then coming out over into the European market to diversify. Joe:          Okay. So a quick side note before we get into the meat of this discussion is that Amazon has just made it a whole lot easier to transfer a European seller account. So that's real positive news. It doesn't necessarily have to be a stock sale anymore. It can be an asset sale and it's easy to transfer so positive stuff there. But today we're talking about a little bit of your China Magic experience and your China experience in general and negotiating terms with your suppliers to improve cash flow and to improve your bottom line and boost valuations, which is a breath of fresh air because you can't; you wrote that line when we talked about it because most people don't think about valuations when they're working with suppliers and things of that nature but you do. Dan:         Yes. So you've had Scott Dietz on a number of times now. Scott was very much a mentor of mine over the last few years and something Scott really instilled in me is what's good for selling your business is good for building and running your business. So installing that, combined with the challenges that I come across so many sellers have; there's one thing in this business that stops growth and that's cash flow, its cash on hand. We all know there are only three ways really to grow the business, sell more of the same products, sell additional products, or sell the same products in new marketplaces are really only the three ways. All three of those ways take cash and they take cash flow. So we very quickly; my team and I launched this, my team and I really set our minds over the last couple of years to how do we solve this problem for the accounts that we're involved in, the brands that we have stakes in, and the people that we're working with across Titan Network, China Magic, etcetera to really solve this problem. And that's where this working with a supplier to fund that growth, that whole concept really came from. And I'm really proud to say that the last year or so, the last 18 months, we've been getting some pretty impressive results where suppliers are letting us go north percent down, 10% on shipment, 90% two or three months thereafter so it's really positive. Joe:          One of the things I hear often is, yeah, I just got back from a trip from China. I was able to do this. I'm getting better terms here. I reduced my cost of goods sold here. I ate way too much and drank way too much and I feel like I'm a member of their family now. Is that what everybody has to do? Do they have to get on a plane and go to China to meet the manufacturer and supplier or is it just something that helps but there are other ways to do it? Dan:         Look, there are other ways; there are always other ways to do it. You can get this done over a Skype call or a Zoom chat like we're having now but if you're serious about growing the business and you want to go in and get the times that you want, then every time in every case, physically being there in China in the room, staring the person in the face, building a real relationship with that person gets the better result every time. And where we've had a good result virtually, it's always been as a result of following up physically with someone. So we've already been earlier in the year or we may be met them at the last Canton Fair but there's always been that physical interaction. And I think what people underestimate about China is the business culture out there is relationship-driven. It's all about building that relationship. It's all about going and having that male drink and some of the alcohol stuff that they put in front of you to really build up that relationship. And there's so many benefits to that relationship much further beyond payment terms and cost of goods sold even down to stuff like it's coming up to Chinese New Year that productions run is full. And because you have that relationship, they bump you to the front of the production line, which keeps you in stock. Joe:          So let's get to specifics for the audience then. For people that are; and talk to them as if maybe they're your clients, they may be somebody that just bought an Amazon business from Quiet Light Brokerage or they're somebody that listens and is getting expert advice from folks like you. What are the first few steps that somebody should take? And I know this is general information for general people, specific would be if you were talking to one. What do you advise somebody to do? Dan:         Okay, cool. So first off, we need to understand what terms do we need to achieve and what are we aiming for? What's our goal? So the first steps or so of executing this process before you got to China or before you attempt to do this virtually is we need to put together a sales forecast. We need to understand what am I expecting to sell over the next 12 months and include uplift for Q4 based on historical dates or if you're selling seasonal products, make sure you're including all of that uptick and then break down what you plan to order. So once you forecasted those sales, understand what inventory requirements you have and what your current order rate would look like with your supplier over the course of that year. Then figure out with that information what is the payout per unit on your sales? So you need to calculate the Amazon payout per unit after all fees and marketing costs. So within our brands, we work to operating 10% advertising contribution or true A-costs whatever you want to call it. And we factor all of that in and we figure out after storage fees and etcetera, what is our P&L per unit? Joe:          Did you say 10% advertising; is that what that was? Dan:         Yeah. So as a PPC contribution, margin, or a true A-cost; whatever you want to call it. Once we're out of the launch phase and we're in some maintenance we factor in a 10% margin for advertising. Joe:          It's great, we do key financial metrics anytime we list a business for sale and typically see the ad cost somewhere in that 8 to 12, 8 to 15% range so 10% is a good number. Before you go on too far, so you've talked about doing a sales forecast and of course, that leads into inventory need forecast. The question often comes up, what's the best software if there is such software for inventory management and sales forecasts? Do you use some or do you create it with Excel spreadsheets? Dan:         So we keep it simple. We do all of this in Google Sheets. We have adopted a new inventory management system and I'm pretty impressed with it if you wanted to talk about that. But we do all of this in a basic Google Sheet template. And if you want, Joe, I can have that template sent out to your subscribers. But yeah, we just use a Google template, we use a Google sheet and we just manually plotting in numbers, manually forecasting out. It's nothing fancy. If we want to work with someone at more advanced than we'll offset pull in an accountant or a bookkeeper; someone that's more savvy with the numbers. But we're just using historical data to forecast the future 12 months. Joe:          And you're pulling that data from Amazon or from QuickBooks; where are you pulling it from? Dan:         Yeah. Typically, depending on the account that we're working with or depending on whether it's an in-house brand or a joint venture type relationship, we will take the initial data from Amazon. So we'll take your initial sales data. And then if we can sanitize that data with actual validated bookkeeping records, then obviously we will do that. But for the sake of this exercise, it doesn't need to be 100% accurate. This is a forecast and everyone knows; I think what everyone gets is they get that analysis paralysis on forecasts. Because I think what if I don't meet the forecast or how do I know what it's going to sell? You've got to take the best guess and if you haven't got 12 months of trailing data, go use tools like Keeper to look at your number one like for like competitors trailing 12 months of data. Just use data in the market to be able to inform your own self forecast. Joe:          So doing a cash flow forecast or I'm sorry sales forecast leads into what your inventory needs are. You're doing that in Google Sheets and what's next from there? Dan:         So before we can move onto the next stage, we then have to figure out what our payout per unit is, because these three pieces of data, the sales forecast, and the inventory need forecast as you call it, and then the payout per unit factoring in a rough 10% advertising contribution. That gives us all the information that we need to be able to produce an accurate cash flow forecast. So what sellers I find out doing most that aren't taking on external cash or external funding, they're kind of running on this system of hope. They kind of think or hope they'll have the cash in the bank for the next inventory order, but they're not really forecasting enough ahead to say, will I have enough cash on hand to be able to fund my next inventory order to meet demand of growth and not run out our stock at the same time? But without those three data points, without knowing how many you're going to sell, what inventory you need to meet that demand, and what your cash payout per unit is, you can't put together a cash flow forecast. So once you've got those three data points, we then put together our cash flow forecast. So to give you sort of a demonstration of this, we base it on our current term. So let's say typical terms, 30% deposit, and 70% before shipping. That's pretty much most the market. Joe:          Pretty standard. Dan:         Yeah. So we will forecast our cash flow based on those terms for the products that we want to negotiate. So you might have one product with a supplier or you might have 10 but you just do it for the group of products that you're talking about with the supplier. So we'll have the sales forecast at the top of that cash flow forecast. Then we'll have a payout forecast which is based on sales. It's just that payout per unit multiplied by the number of units we expect to sell in that month. That gives us our total cash pile for that given month. We then factor in some fixed costs. So things like employees, software, training, salaries, costs that we know we're always going to have. And then we might factor in some ad-hoc costs like travel conferences, going to China Magic twice a year. God, I'm plugging that. So we factor in those hard costs and then that gives us a forecast month by month, January through December. If we go for the annual calendar year of what our cash on hand looks like. Then we just have to plugin based on what we know we have to order what cash output; what cash outlay do we need to factor in based on 30/70 payment terms. That then gives us an accurate view of where we're going to have a deficit on cash, where we're going to be up on cash, and what that looks like for the next twelve months. Does that make sense? Joe:          It does. You sound like a grown-up here, running a business with real numbers and doing some analysis. Dan:         I'm trying to. Joe:          Congratulations. And that's what you teach the folks at Titan Network as well. You're going through this with them Dan:         Yeah. Joe:          And do you produce video walkthroughs on how to do this with examples? Dan:         Yeah. So we've got like the whole step by step. Within Titan, we have something called masterclasses and we've got an entire master class on supply payment negotiation with all the templates, negotiation, soft scripts, ways of approaching; I'll give you some secret sauce in a minute but even like a presentation that we use to present this information to the supplier, all of that is all inside of Titan. And our Titan members; I mean, the results that we're getting, someone got a 50 grand credit line off the back of this. Joe:          Wow. Dan:         I can't count how many now; it's got to be 20, 30 members in the last few months alone that are getting terms, even just improved terms like 20% down because the raw material costs are quite high, but then they're not paying 40% until 30 days after shipping and the remaining 40% until 60 days after shipping, which means they've been selling the product likely for 30 days before that balance is due, which just opens up so much opportunity because you can afford to sell more product cause you can order more inventory. You can afford to expand into new markets because you can afford more inventories. Or you can afford to launch new products. And for anyone that's doing some serious money in this business, they know launching products is the fastest way to grow it. So, yeah, I mean, the results are quite stellar and we're doing some good things in time for sure. Joe:          It's all good stuff. Everybody listening certainly needs to do it if they're not doing it now. So once you've got all this information, the forecast and estimates and things of that nature what do you do with it? Dan:         So once we've created that cash flow forecast based on our current terms, so 30/70 we then produce a second forecast and we play around with those terms. So the example of I'm looking as a reference in front of me here is 20% deposit, 35% 60 days after shipping, 45% 90 days after shipping. And this is actually a live case study on one of the ASINs that we run. So we will adjust the cash flow to the new terms to then demonstrate what that does for our cash flow. And at this point, this is all internal. This is all internal reporting, preparation to support and enable the negotiation. So I know here, just look, I'll read us some numbers because obviously, I can't cast the screen. On our 30/70 our cash on hand column across the bottom January was in this example 5,000, February is 3,000, March goes into a 2,000 deficit, April goes into a 4,000 deficit because we've paid out that 30% deposit on this inventory order. Joe:          Can you just with those numbers do you have a ballpark total revenue figure as well? I'm just curious. Dan:         Yeah, we do. So down here we've got a total payout figure in this example because we haven't got the retail cost in here. We just track basically what cash flow we receive from Amazon so it's on the end of the column. But if it scales up; this was an example of a new product launch achieving 300 in the first month to a thousand units in the 12 months; very, very conservative forecast. Joe:          Okay, so what happens when you flip this to the new terms that you're trying to achieve? Dan:         So interestingly, the cash outcome; so at this point, we're not forecasting what additional inventory we can get so the cash outcome at the end is the same. So December, for instance, in the 30/70 on this example, the cash outcome for December, cash on hand sorry is 79,000. It started at 4,000. In the after states 20/35/45 again it's 79,000 at the end of the year in terms of cash on hand. But the difference is I don't have a single deficit in my 12-month run because I've been able to achieve better payment terms. So that's sort of step one of this process, cash flow forecasting existing terms and saying where your deficits are and then making sure that you can negotiate payment terms that mean you never run out of cash. You never need to go into any credit line, credit cards, any sort of equity or debt financing, because you're always going to have positive cash on hand to fund the growth of your business. Joe:          So what do you have to say to those people that are listening saying, okay, I got this, I'm just going to ask for these better terms and they don't do this work and they don't do a presentation the way that you want, what it is their supply going to say? Dan:         It's funny, actually, because one of the things we normally go to; this is a typical role play and if I ever talk about this on a stage and you lied and or anything like that, this is how it typically goes. You send an email that goes, hey, I need some better terms. Can I pay you the balance after shipping? The supplier email backs no. You sit there drinking FML like, what am I going to do? Yeah, most people just go give me better terms, a supplier goes no. And if you think about it, these factories; these suppliers, how many brands are asking them daily? How many of their customers because they're supplying hundreds if not thousands of customers. Joe:          Yeah. Dan:         I'm just saying give me better terms. I hope you sat there as a factory owner going well what's in it for me? Joe:          Right. Dan:         You have to answer that question of what's in it for me. It's got to be a win-win relationship. Joe:          Let's get to it then. The next stage is I mean, obviously, you're seeing so no deficits, which is great. The entrepreneur is sleeping better at night. They've got a little more cash for themselves, but also cash to probably buy more inventories which is what's in it for the vendor, right? Dan:         Absolutely. So with everything we do, we have to approach these relationships as a win-win deal. Having been to China more than a dozen times now, I've taken over 500 people. I have been involved in a number of these negotiations at lower levels and much higher levels. It is all about the relationship. It's all about the win-win. And you have to present what's in it for them. Why should they risk that workflow, their cash flow? Because I sense you're asking them to fund your business. Why should they risk that inaudible[00:20:16.2]. So the outcome for everyone has to be a benefit. So the way we do that is there's a five-step process to presenting a win-win. And this is what we break down into a presentation and we've got templates for etcetera. So Step 1 is the opportunity and the conversation that you're trying to get across is there's a big opportunity to make more sales. That's kind of the message you're trying to get across. And the reason it's better to do this in person as well is you can take; if you've got like a logistics manager or sourcing agent on the ground. All of our Titan members benefit from Titan sourcing, so we provide this to them on the fly. But yeah, if you've got that on the ground, you can then have that person translate but also be like an internal ambassador for this process. So step 1, the opportunity. There's a big opportunity to make more sales. Step 2, the challenge. The challenge is I can't order enough inventories to fund and meet the demand of my growth because of cash flow. And that's the challenge that you need to communicate. You can't fund your growth because of cash flow, and that's limiting your ability to grow because your sale is outgrowing your cash impact. I lose sales and as a result, the supplier, the factory that you're dealing with is going to get smaller orders. The solution is better terms so we can order more inventories. The whole objective here is better payment terms, more cash on hand, and allowing you to order more inventory just to grow faster; to compound that growth faster, the benefit, larger orders for the supplier, more sales for us. So that's kind of the five-step story that your supplier, your factory really needs to understand from this process. I'll read… Joe:          Read them off. Yeah, you were just going to do it. Yeah, read them off real quick one more time. Dan:         Opportunity, challenge, impact, solution, benefits. So they really need to understand each one of those points and then we're going to break down exactly how we do that. Joe:          Okay. So look, I haven't been to China before and I want to ask you about that a little bit, but I know that there are benefits for the manufacturer because you're going to be placing more orders. What's their recourse if you don't pay on those notes or is the risk so low because you've been there, you've met with them, didn't rush on building a relationship. Dan:         So you're not going to get this sort of payment terms on your first order. We have, however, had a number of success stories on their first order, even just slight movements like 20/80 on the payment terms or a slight reduction in COGS because we're guaranteeing more orders. We are getting some traction on first orders. This is more for sellers who are probably more your audience, Joe, who are sort of gearing towards exit. I've got an established relationship inaudible[00:22:54.8] the second to third order is kind of the sweet spot that you can start bringing this up. And if you bring it on early in the relationship, every time you place a bigger order, you can revisit these terms, you can revisit the relationship. So for the factory, yes, of course, there is risk involved, but they're weighing up the relationship with you and there are other insurances and stuff that you can bring up without getting too technical. You kept their eyes on ways of ensuring the order and stuff which can give a lot more confidence to the supplier but we don't do that most of the time. It's just purely based on the relationship and your order history. Joe:          Okay, so any more steps after the 5 that you talked about there? Dan:         Yeah there is. So that's the story we've got to present but when it comes to actually presenting that you've got to back that story with data. So they have to believe you and they need to see the numbers for themselves to tick that logical box. You've ticked the emotional box, you've got the relationship. They believed your story. Now you've got to present the data to back your story. So the six-step process to presenting the win-win, one is the growth potential, two is a product by product sales forecast. So that forecast to we produced in the beginning, we're just going to take the sales aspects of it and present that in a nice presentation. We're going to then present the order values to meet that demand and we're going to show them the before and after. We don't get into showing them the internal cash flow or the profit or anything like that. We just show them on the current payment terms this is what we can afford to order, on the new payment terms this is what we can afford to order. And what they're going to say is an order of say, 5,000, 10,000 units but with the new payment terms, I might be able to order 20,000, 25,000 units. So they're going to see a drastic change in the volume of units that you're able to order if they just work with you on the payment terms. Now, once we've done that, there's two other points. We always present what out of stock means. So most factories and suppliers don't really understand what it means when you're out stuck financially from a sales perspective. Sure they're being hammered; you're sort of getting on email, you're getting on Skype, you're doing you thing saying well I need this order, can you push it? Can you put it to the front of your production line and you're sort of pressuring them. But because you're pressuring them so much they're not really thinking about the impact on sales. So you can show the cost of being out of stock from a point of re-launching, lost sales velocity, lost growth. So maybe you've lost a couple of places in rank which has actually brought your growth percentage down, the momentum of growth. And for them, they're not going to be getting as frequent orders because that volume is down, meaning you're not placing as bigger orders. So you can still present the loss to them as well, which is a nice sort of stick to underpin the whole thing. And then finally you go right to solve this problem; this challenge, to order more from you and to recover was it, defend against that potential loss of being out of stock. These are the payment terms I need. And you just present the data to back the story. And it's quite easy, there's a whole template towards it in terms of how we do that. You can use screenshots out of your Amazon seller central accounts to back the data; you can use Keeper screenshots within the presentation as well as just sort of showing screenshots of that spreadsheet you really want to be showing the analytical graphs to back that data because it really gives that visual representation. Joe:          I'm sorry so let's just put in the; so for every 10 people that go through this process and try to renegotiate terms to go through the full process, they do it right. They do the projections. They do everything that you've talked about so far, which I think is eleven steps after they're doing the sales forecast, do 9 out of 10 of them get better terms or 10 out of 10 or 2 out of 10; what are the odds? Just put it into a realistic perspective for the audience. Dan:         So if you are already working with the supplier, you're already in communication. You're not just… Joe:          Yeah, let's assume that somebody has been placing two, three, four, five orders. A lot of people if they hadn't done this, they'd been placing the order for two or three years. Dan:         Yeah, so that person I would be as confident to say that eight in 10 people. I am yet to come across a relationship of that stature that's established with good communication where you won't end up better off. Now, you might not get the terms that you want straight out the gate, but I guarantee if they value your business, which they should do by that point you've got a relationship, you will end up off in a better place. So 90 to 100% of people will end up better off. 80% of people will execute to a point where it impacts customer for sure. Joe:          And this includes a trip to China because you're presenting it in person? Dan:         Yeah, this is like optimum. You've gone to China. Think about how many requests these factories and suppliers get from brands in the west as they say it asking. And then think about the percentage of people that actually get on a flight, fly to China, sit in the office, drink sake and do all that good stuff. That is going to be like 98 and 2%. So who are they going to prioritize? They're going to prioritize those showing real commitment. Business is about commitment. Business is about doing what you said you would do. And I think that's all this is. It's as simple as that. Joe:          Yeah, the 80% of people that have established brands can certainly get better terms with these vendors. Are you seeing; obviously they're ordering more and with higher volume orders comes lower cost of goods sold. How do you negotiate a lower cost of goods sold? Is it strictly volume based or do you make that part of this overall presentation that you're looking for terms and lower COGS at certain levels? Dan:         Yes. So what we do is we hold that conversation. So in any negotiation, you need the person you're negotiating with to say yes a few times. You need to get them to agree and we need to chip away at the yeses. So what we do is we hold that COGS conversation right until the end. So once we've gone through showing the growth potential, the product by product sales forecasts, showing the order values to meet the demand before and after if they give us these terms, the impacts of being out of stock, and then say this is the payment terms we want and always start higher, by the way. Always start higher than you actually need because there will always be a piece of negotiation. They will turn around and say, yes, hopefully. That's the goal. That's our amount in agreement. It might not be what you want, but they might say, well, on this one, we'll give you this and if you meet the demand, then on the next one we'll give you this. We might be a bit of an up curve. We then turn around and just say so now I'm placing a bigger order, I get a better price, right? And you'll find about half the time they'll smile and laugh at you and say, yes, the other half the time they'll say, let's talk about that in the next order. But yeah, you have to put a bit tongue-in-cheek in whether you have to build the relationship, play on the relationship. Joe:          Is this done over dinner or is it done over a desk; how do you see it most often done? Dan:         Typically, it would be done; in most cases, it's going to be over some sort of food environment, some suppliers and factories would like to get the business done and then go for dinner. Most likes to get the relationship piece in first. They want to sort of learn about you, your family. They want to give you some food, take you to lunch. And then during that process, we'll then bring it down to the conversation. Now, it's important to say it won't always happen there and then in the room. A lot of the time you'll present this, you'll throw in that thing at the end that says, so now I'm placing a bigger order do I get a better price and be a bit cheeky with it. And a lot of the time they're going to turn around and say well, look, we need to run our raw material costs. We need to look our production workflow. We need to speak to our internal production manager. We'll get back to you within a few days. So depending on how long you're in China, it could be back when you were in America or back in Europe. You'll jump on Skype and they'll go, okay, cool we've run the numbers. It makes sense. Yes, we can do that. So it kind of happens like a bit of a fluid conversation during the social aspects. Sometimes you'll sit in an office and just get it done. But most of the time it would be over some sort of lunch or something like that. Joe:          I got you. Okay, any other steps that you want to review? Dan:         No, we're good. So really just remember, it's a win-win. Do your internal prep; what they say is the success is in the preparation, success in the planning. Do your planning, and then make sure you're presenting it in a way that presents it as a win to them. And yes, you can achieve this virtually over the internet, but you're going to have 100% better results. And if it's okay, Joe, I've got some examples here, actually. Joe:          Yeah. Dan:         So Case Study 1, 30% deposit, 70% before shipping, after 0% deposit, 100% percent 60 days after shipping. Joe:          That's a beautiful outcome. I can't imagine anybody would be upset about that. Dan:         No, it's cool. That was actually inaudible[00:31:13.0] and my business partner and Sarah, who's head of Titan Sourcing that negotiated that one. The next one was 30% deposit, 70% before shipping after we got a 30% deposit because the raw material costs were quite high on this product, which you have to still work with them on, and then it was 20% percent before shipping. So we pay sort of 50% and then we got 50% percent 30 days after arrival at Amazon FBA, which meant we had 30 days of sales before having to pay the remaining 50%. Case Study 30% deposit, 70% on the approved inspection report. That was a bit of a quality assurance thing there. After we got a 20% deposit, 35% 60 days after shipping, 45% 90 days after shipping so that was a nice one. And then finally, the fourth one and I've got some bonus tips at the end if you want them, Joe, 20% deposit, 80% before shipping. That was the terms we had so it was a bit nicer on the frontend. After we got a 10% deposit, 40% on landing in the USA, and 50% 60 days after landing. Joe:          Wow. Dan:         And these are typical; I can stand there and say now these are just four cases that we've done we've got a whole Titan network full of members that are doing the same. Joe:          Yeah. No, I want to hear about the bonus tips. Also want to hear briefly about China Magic and maybe we can have Athena on to talk about it. Just let me ask; go ahead into the bonus tips and then then I want to talk briefly about China Magic. Dan:         Yeah, sure. Because there's loads of benefits above and beyond obviously COGS and terms. Joe:          Yeah. Dan:         Okay, so tips to success face to face always will produce a better result. They often pay for the trip and that's what you got. Think if you're looking at a cost offset, you'll often get to pay for the trip in the renegotiation. Always ask for more than you need; really important. You probably won't shake hands there and then as I said. Make sure if you come to see the boss, you don't want to be waiting on a middle person or a middle man so they then you have to go and sort of do the translation. You want to be in front doing the deal with the boss. Before you go into that environment, before you even head out to China, if you've got a representative from that factory or you've got a sourcing agent that handles that relationship for you, then get them onside. So run through the presentation with them first so that when they're in the room, they've already done the thinking, they're already standing there, and they can get the buy-in of the boss in the room. Consider consolidating your orders to one supplier. It gives you more buying power. And one thing we're a big fan of in Titan and in China Magic is leveraging an outside adviser. Because then you can play the whole good cop bad cop. If you want to maintain a good relationship you can bring in someone that's like an external advisor to crack the weight a little bit and you can call them your finance person. You can call them whatever you want to. That allows you to do that. And remember, every relationship and supplier cash flow is different so you have to really; don't just tell them what you want, understand what they need, and bring the two together. And this is counter-intuitive but it's often being willing to pay more to achieve the terms especially in the beginning. So one thing you can do is if they're not budging, you can afford to give them a dollar bum pull over here now on a product to get them to nudge on the payment terms which is still going to give you more cash on hand and then come back to renegotiating the COGS once you're up at the higher volume because you've been off to some of the growth. Joe:          I like it. Dan:         And also take gifts as well; take presents. It works. It depends; there are controversial views on this. So Kian Golzari for instance who is a sort of an expert on China Magic everything; he's doing sourcing and product development. Kian loves; he's from Scotland, he's from Edinburgh, he loves taking some Scotch whiskey with him. Other people take chocolate. There's the whole red envelope with some cash in it for the children but that one's a bit more controversial. But yeah, just my advice would be take something that's important; not important but personal to you, and then that creates a talking point and it creates more of a relationship and a bond. Joe:          Okay, that sounds great. I think one of the most important things I see people that are running great businesses and eventually sell them, they're great businesses, do great for buyers. They really have been to China and they always wind up with either better terms or better COGS. It sounds like a scary place to me, though. I've never been so is China a scary place? Dan:         It really isn't. So when I first got involved in the early days with China Magic I went out there as a guest speaker and then ended up becoming a co-organizer with Athena. I thought the same but when you land; if you think like Guangzhou where the Canton Fair is. That's where we go. It's the biggest product sourcing Fair in the world. I think they start setting up 5 million products on display during the Canton Fair. They're used to receiving hundreds of thousands, if not millions of westerners through that fair over the course of 12 months. The airlines are efficient. The flights are cheap. I mean from the US, the flights are $500 on a good day it's $400. Joe:          Wow. Dan:         Yes. I mean, it's really cheap. That's for obviously economy. I got a first-class ticket; I mean first-class pod for two grand. Joe:          Wow. Dan:         So yeah I mean it's cheap. We head out there and we're picked up by a nice comfortable bus and we stay in the Four Seasons Hotel which was rated Forbes Best Business Hotel in the world 2019; the one where we go. So they look after us. We've got five staff service and food, good internet. We then head over to the fair. This isn't a market; there are other markets like Ebru and stuff which are a bit more like rack markets, Canton Fair is a professional establishment. All of the suppliers there are paying serious money to have a booth at this fair. So if they don't speak English themselves, they'll employ English speaking representatives. So you can have a really good conversation there. Sometimes you have to work with a bit of culture and there are definitely cultural barriers that you have to learn, like receiving a business card with two hands and showing that respect. It goes much further and Ken covers all this in China Magic. We go into depth like we spend some of that four hours just going into how to have a conversation with a supplier so that they know you are educated. But yeah I mean, to cut a long story short, it really isn't. Like I walk around in my shorts and my t-shirt, I go down and they've got little smoothie bars now I'm on the streets by the hotel. It's quite a pleasant place. Joe:          Fantastic. How do people learn more about Titan Network and then China Magic and again I think we ought to probably have somebody on for China Magic and what that event is all about because it's; I don't know, it's the next step. I don't know if I would want to go on my own and I assume that you would not recommend that. You go with a group that does this on a regular basis. So tell us about how more people learn about Titan Network and in particular this cash flow management renegotiation, all of the different steps that you've talked about. Dan:         Yeah, sure. So if you want to know more about Titan Network, we're an invite-only membership organization for Amazon sellers. We're going from strength to strength. And the thing about Titan Network is it's created by sellers for sellers. So it's not about any one person's success. It's not like a guru led thing. You can learn it at TitanNetwork.com. That's where you go and learn about Titan Network. And if you feel like you want to find your tribe and your family, then take a look there and you can apply for Titan Network. If you want to learn more about China Magic go to ChinaMagicTrip.com. It's got the full trip details on it. I'm going to give you access to a little special link. If you go to ChinaMagicTrip.com/masterclass we go into a bit more depth on these payment terms upon negotiation stuff. And it's got off-screen shares. You can actually see some of the slides. And that's all out there free of charge so you can go and take a look at that. Yeah, I'd love to do a follow up about China Magic. I'll bring Kian on, I'll bring Athena on and go into the depths of like not just payment terms and cash flow, but how do you build these relationships and how do you find these factories that you're not going to find in Ali Baba, how do you improve the quality, how do you differentiate products in 2020; yeah, we could talk about a lot. Joe:          Well, I think it's a great service to the people that are Amazon sellers or even just not Amazon sellers, other people that sell-off of Amazon need better terms as well. Dan:         Yeah. We're seeing Shopify sellers. We're seeing a lot of these influencers on Instagram that are realizing they've got an audience. If they apply a physical product to that audience, they're going to make money. We're seeing all these guys come along now because it doesn't matter whether you're selling on Amazon or Shopify, physical products are physical products. And to your point about going alone, there are seasoned travelers out there that will have no issue in visiting China themselves. But for me, it's about return on my time, a return on investment on my time so if I can go with 75 like-minded sellers at a similar point the journey led by multiple seven and eight-figure sellers, get shown 30 years' worth of sourcing experience across Marcy, Kian, myself and the team in a couple of days; so condense that learning period, get the COGS on payment terms on it and every single evening mastermind for four hours a night on every single area of the business, that to me is a bigger return on my time than just going over to China myself. So that's kind of my view on it. Joe:          Yeah, if I was in the e-commerce world myself, I'd be in. I'd want to bring my son though so he enjoys the world travel. Maybe in another life, I'm out of the e-commerce business myself. I'm an entrepreneur at Quiet Light Brokerage only. So listen Dan, I appreciate all the time you spent here. I think its great advice and I know from experience that people that exit their business for the maximum value end up doing a lot of the things you've talked about so thank you. I appreciate it. Dan:         Yeah, no there's just a final closing point now. We should tie this back to valuation. So you'd go how does this make my business worth more? Well, I think I'll just spin-off three raises in my head to maybe cut this in. One is it's going to make you more attractive as you've got solid foundation relationships with your supply chain and you're not relying on Alibaba or some sourcing agent. Buyers want to know you've got the full foundation. Two if you've got more margin, you've got more profit, more profit, bigger valuation. And three, if you've got better cash flow and more cash flow on hand, you can compound that freight faster which means you achieve your valuation faster. So that's how they tie it back to valuation. Joe:          And again, I say it and I'll stop saying because Mark keeps correcting me there's no fifth pillar. All of the things that you're talking about make you a better business person; somebody that others will trust because you're instilling confidence in them that will bring you better value as well. People if they trust you they're willing to pay more for your business. So Dan, great stuff, thanks so much for coming on the podcast. Dan:         I appreciate it, Joe. Thanks for the time. Resources: Titan Network China Magic Masterclass China Magic Trip Quiet Light Podcast@quietlightbrokerage.com  

House Party
58. How To Save Cash During Coronavirus; An Intro to Quibi's "Murder House Flip"; Inside Drake's Cover-Worthy Apartment

House Party

Play Episode Listen Later Apr 15, 2020 31:08


For those of us fortunate enough to still be collecting a paycheck, being in quarantine might seem like an optimal time to save some dough. After all, we’re not commuting, or dropping wads of cash at restaurants or on exotic vacations.But as some spending areas decrease during self-isolation, others can creep up. None of us planned for the increased utility bills from staying home all day, or the extra fees and tips that come with getting everything delivered.How can you make smart financial decisions in the middle of a pandemic? This week we had the opportunity to talk with Bola Sokunbi, host of the “Clever Girls Know” podcast, about how to budget during this time—whether you’re just trying to keep your monthly costs in check or you’re saving for something big, like a home.Tune in to hear our conversation.Other topics we cover:New streaming platform Quibi just launched—and with it, a brand-new reality show called “Murder House Flip.” The three of us watched, and offer up a brutally honest review. (Spoiler: This is not the content Erik came here for.)Speaking of streaming sensations, we’re still talking about Netflix’s “Tiger King.” In fact, we’re so obsessed with Joe Exotic that we went looking for listings that feature their very own zoo. And, well, we found something.And, as always, we have our week’s celebrity real estate winner and loser.Ready to listen? Subscribe on Apple Podcasts, Google Play Music, Spotify, or wherever you get your podcasts. And please: Throw us a five-star rating if you like what you hear. The more good ratings and reviews we have, the easier it is for people to find us.Want to chime in? Have your own crazy home-related story you’re dying to share? We’re all ears, eagerly waiting to discuss all of your burning real estate questions on “The Mailbox” segment. Email us at podcast@realtor.com, follow us on Facebook, or tweet us @housepartypod on Twitter.

Business Drive
European companies ditch dividends to save cash

Business Drive

Play Episode Listen Later Apr 9, 2020 2:15


European companies are ditching dividends to maintain cash and comply with regulations in response to the financial havoc caused by the spread of the new coronavirus. More than 80 of the top 600 listed companies in Europe cut or scrapped dividends between Feb. 24 and April 8, a Reuters analysis found. Among the latest to suspend dividends were French aerospace and defence supplier Thales (PA:TCFP) and Swedish metal-cutting tools and mining gear maker Sandvik (ST:SAND) on Tuesday. UK-listed companies could cancel about $60 billion in dividends this year, according to a report by analytics company Link Group. --- Support this podcast: https://anchor.fm/newscast-africa/support Learn more about your ad choices. Visit megaphone.fm/adchoices

Africa Podcast Network
European companies ditch dividends to save cash

Africa Podcast Network

Play Episode Listen Later Apr 9, 2020 3:05


European companies are ditching dividends to maintain cash and comply with regulations in response to the financial havoc caused by the spread of the new coronavirus.More than 80 of the top 600 listed companies in Europe cut or scrapped dividends between Feb. 24 and April 8, a Reuters analysis found. Among the latest to suspend dividends were French aerospace and defence supplier Thales (PA:TCFP) and Swedish metal-cutting tools and mining gear maker Sandvik (ST:SAND) on Tuesday. UK-listed companies could cancel about $60 billion in dividends this year, according to a report by analytics company Link Group.--- Support this podcast: https://anchor.fm/newscast-africa/support --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Bulletproof Cashflow: Multifamily & Apartment Investing for Financial Freedom
BCF Property Operations - Getting the Right Material to Save Cash in your Multifamily Deal | Bulletproof Cashflow #159

Bulletproof Cashflow: Multifamily & Apartment Investing for Financial Freedom

Play Episode Listen Later Feb 19, 2020 13:12


This episode is available on video here: http://bit.ly/YouTubePOM5 This is episode #5 of the Bulletproof Cashflow miniseries on property operations, where Agostino Pintus and Jack Petrick share proven strategies and tactics so you, too, can achieve massive results in your real estate business. In addition to real-life examples that they run into in their daily operations, Jack and Agostino conduct deeply insightful interviews with prominent real estate entrepreneurs and experts. Whether you are a beginner or an experienced real estate pro looking to take your business to the next level, you will get real-life actionable advice, value, and motivation so you can build wealth and live life on YOUR terms. Agostino and Jack always say: it's easy getting into a deal versus running it profitably. Listen & follow along to get an insider's look at how you can build wealth and secure a financial future for you and your family.

FatKatRadio
SAVE Cash when Stocks are UP... (Here’s Why)

FatKatRadio

Play Episode Listen Later Dec 30, 2019 2:00


# stonks memes stocks markets stock market news stock market investing saving save disney plus disney+ netflix independence wall street penny buy rich life kids make store time money real estate crypto bitcoin investor angel investors entrepreneur lifestyle entrepreneurs instagram forex trader trader day trader stock trader # --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

This Travel Tribe
How to Save Cash on Your Hawaiian Family Vacation

This Travel Tribe

Play Episode Listen Later Dec 5, 2019 24:15


Hawaii can be a dreamy family vacation but the cost can be high. Lisa shares how her family saved money on their recent trip to the Big Island. There are many practical ways to save like planning beach days, staying in a beach rental that includes beach toys, and sharing costs of a rental car and rental house with friends. Join Lisa as she shares details on these ideas and more which will help you save money on a Hawaiian vacation with your family.

Money Talks
Money Talks: Save Cash To Invest

Money Talks

Play Episode Listen Later Aug 20, 2019 49:34


Do you need to save money on your regular expenses to have money to invest for retirement?We'll share some money saving tips from AARP's 99 Great Ways to Save https://www.aarp.org/money/budgeting-saving/info-2019/top-ways-to-save.html and our expert, Ryder Taff https://www.newper.com/ will comment. Reimbursed ATM Fees: Most online banks and some traditional banks will reimburse you for fees incurred when you use another bank's ATM. That can save you an average of $4.68 per transaction.Hire a Haggler: Not a negotiator? Companies like Billfixers and Billshark will haggle with your cable TV company or other service providers in exchange for a cut of your first year or two of savings. Billfixers says it saves clients $300 a year.Property Tax Breaks: Many states offer property tax breaks for homeowners over 65, including rebates, caps on assessed value, and tax-rate or assessment freezes. In Mississippi: Persons 65 years or older and persons who are totally disabled, who are otherwise eligible for homestead exemption, are exempt from taxes on the first $75,000 of true value on their home.Go All In on 401(k)s: One-quarter of the workers employed at companies offering 401(k) plans don't take advantage of the full company match of the first few percent invested in the plans. That means they are missing out on an average of $1,336 in free money annually.Mortgage Magic: A 30-year $300,000 mortgage at 4 percent costs $1,432 a month. But if you pay $716 every two weeks, you can cut interest payments by $34,000 over the life of the loan.Credit Card Rewards: Stay on top of your points and use them before they lose value. Don't waste the cash or credits.Get Savings Matched: Individual development accounts are designed to help people of modest means buy a house or start a business. Some programs provide up to $4 for every $1 you save. Go to ProsperityNow.org/map to find community organizations that administer IDAs. Their website has a number of enterprise development organizations in Mississippi.Negotiate Bank Fees: Banks now charge fees even for receiving money via wires, something many customers may not realize. Be sure to check your statements, and dispute those fees if you find them — even if you need to speak to a manager. The bank needs your business. A 10-minute call may save you about $25.Stop Smoking: Nonsmokers, exercisers and people who maintain a healthy weight can get as much as a 50 percent savings on life insurance.Combine and Save: Companies charge up to 20 percent less if you get home and auto insurance policies from them.Raise Your Deductible: An increase from $500 to $1,000 can save you up to 25 percent on a homeowner's premium. See acast.com/privacy for privacy and opt-out information.

This is Money Podcast
Is it possible to help the planet and save cash – and would a Prius make you happy?

This is Money Podcast

Play Episode Listen Later Apr 26, 2019 47:24


We haven't glued ourselves to train carriages, politician fences or the London Stock Exchange. No, this week's This is Money podcast opts for a less confrontational approach to the environment, with useful tips and tricks that are good for the planet as well as your wallet.  Simon Lambert, Lee Boyce and Georgie Frost look at the green movement and what it means for the financial industry and businesses. Are they doing enough?  Alongside that, we look at what we - the consumer - can do to help the environment and save money along the way. Simon has three places you can make a big difference by adding pressure or changing behaviour, from picking green energy deals, to what to do about flying.  Meanwhile, the hybrid car of choice, the Toyota Prius, isn't just for Uber drivers and eco-conscious celebrities as it tops a survey of most satisfying motors to drive.  Elsewhere, outside of the green bubble – we look at where a pair of 40something business owners with no pension should invest.  We continue to puzzle over the baffling state pension top-up system and ask: just how far over the limit could you potentially drive in your area before being issued with a ticket?

Optimal Finance Daily - ARCHIVE 2 - Episodes 301-600 ONLY
698: How To Save Cash For A Large Purchase by Alexa Mason with The College Investor

Optimal Finance Daily - ARCHIVE 2 - Episodes 301-600 ONLY

Play Episode Listen Later Oct 31, 2018 10:40


Alexa Mason with The College Investor shares how to save cash for a large purchase. Episode 698: How To Save Cash For A Large Purchase by Alexa Mason with The College Investor Robert Farrington is a personal finance expert that focuses on helping millennials get out of student loan debt and start investing for their future. He also helps parents make smart choices about college financing options and navigating the complex world of paying for school. He started The College Investor in 2009 as a forum to discuss the myriad of financial issues facing young adults. The original post is located here: https://thecollegeinvestor.com/17918/save-cash-large-purchase/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

Optimal Finance Daily - ARCHIVE 1 - Episodes 1-300 ONLY
698: How To Save Cash For A Large Purchase by Alexa Mason with The College Investor

Optimal Finance Daily - ARCHIVE 1 - Episodes 1-300 ONLY

Play Episode Listen Later Oct 31, 2018 10:40


Alexa Mason with The College Investor shares how to save cash for a large purchase. Episode 698: How To Save Cash For A Large Purchase by Alexa Mason with The College Investor Robert Farrington is a personal finance expert that focuses on helping millennials get out of student loan debt and start investing for their future. He also helps parents make smart choices about college financing options and navigating the complex world of paying for school. He started The College Investor in 2009 as a forum to discuss the myriad of financial issues facing young adults. The original post is located here: https://thecollegeinvestor.com/17918/save-cash-large-purchase/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

Optimal Finance Daily
698: How To Save Cash For A Large Purchase by Alexa Mason with The College Investor

Optimal Finance Daily

Play Episode Listen Later Oct 31, 2018 8:20


Alexa Mason with The College Investor shares how to save cash for a large purchase. Episode 698: How To Save Cash For A Large Purchase by Alexa Mason with The College Investor Robert Farrington is a personal finance expert that focuses on helping millennials get out of student loan debt and start investing for their future. He also helps parents make smart choices about college financing options and navigating the complex world of paying for school. He started The College Investor in 2009 as a forum to discuss the myriad of financial issues facing young adults. The original post is located here: https://thecollegeinvestor.com/17918/save-cash-large-purchase/ Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts --- Support this podcast: https://anchor.fm/optimal-finance-daily/support

The Time Out Dubai Podcast
#17: How to save cash in Dubai (kind of)

The Time Out Dubai Podcast

Play Episode Listen Later Jul 21, 2018 65:49


In the latest episode of Straight From The Camel’s Mouth, the team round up some of the best ways to go out while spending less money – without skimping on the fun. Editor-in-Chief Holly Sands is joined by Head of Video Content Tim Skinner and Digital Editor Scott Campbell to chat about the best and worst ways to make your dirhams go further – from steering clear of convenience-over-cost services (not a bad idea) to forgoing food (plain daft). If only they could follow their own advice...

Optimal Finance Daily - ARCHIVE 1 - Episodes 1-300 ONLY
584: [Part 2] How to Save Cash in 7 Systems by Ramit Sethi of IWillTeachYouToBeRich.com

Optimal Finance Daily - ARCHIVE 1 - Episodes 1-300 ONLY

Play Episode Listen Later May 24, 2018 11:01


Ramit Sethi of I Will Teach You to be Rich shares how to save cash in 7 systems. This is Part 2 of 2. Episode 584: [Part 2] How to Save Cash in 7 Systems by Ramit Sethi of IWillTeachYouToBeRich.com (Setting Money Goals & Earn More). Ramit wants to use money to say YES. He knew there was a better way to live a rich life—if we could use psychology to focus on what actually works. Not just for personal finance, but all aspects of life: money, careers, relationships, business, fitness, and more. Since then, he's been testing and sharing his findings with the world via I Will Teach You To Be Rich. He's also written a New York Times bestselling book, been profiled in a 6-page Fortune article, and been pictured next to Warren Buffett in Forbes Magazine, as well as been featured by a long list of media, including the Wall Street Journal, ABC News, NPR, Fox Business, PBS, CNBC, and more. He also has tons of documented success stories—more than 20,000. The original post is located here: https://www.iwillteachyoutoberich.com/blog/tip-23-go-cash-only-for-15-to-30-days Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

Optimal Finance Daily - ARCHIVE 2 - Episodes 301-600 ONLY
584: [Part 2] How to Save Cash in 7 Systems by Ramit Sethi of IWillTeachYouToBeRich.com

Optimal Finance Daily - ARCHIVE 2 - Episodes 301-600 ONLY

Play Episode Listen Later May 24, 2018 11:01


Ramit Sethi of I Will Teach You to be Rich shares how to save cash in 7 systems. This is Part 2 of 2. Episode 584: [Part 2] How to Save Cash in 7 Systems by Ramit Sethi of IWillTeachYouToBeRich.com (Setting Money Goals & Earn More). Ramit wants to use money to say YES. He knew there was a better way to live a rich life—if we could use psychology to focus on what actually works. Not just for personal finance, but all aspects of life: money, careers, relationships, business, fitness, and more. Since then, he's been testing and sharing his findings with the world via I Will Teach You To Be Rich. He's also written a New York Times bestselling book, been profiled in a 6-page Fortune article, and been pictured next to Warren Buffett in Forbes Magazine, as well as been featured by a long list of media, including the Wall Street Journal, ABC News, NPR, Fox Business, PBS, CNBC, and more. He also has tons of documented success stories—more than 20,000. The original post is located here: https://www.iwillteachyoutoberich.com/blog/tip-23-go-cash-only-for-15-to-30-days Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

Optimal Finance Daily
584: [Part 2] How to Save Cash in 7 Systems by Ramit Sethi of IWillTeachYouToBeRich.com

Optimal Finance Daily

Play Episode Listen Later May 24, 2018 8:41


Ramit Sethi of I Will Teach You to be Rich shares how to save cash in 7 systems. This is Part 2 of 2. Episode 584: [Part 2] How to Save Cash in 7 Systems by Ramit Sethi of IWillTeachYouToBeRich.com (Setting Money Goals & Earn More). Ramit wants to use money to say YES. He knew there was a better way to live a rich life—if we could use psychology to focus on what actually works. Not just for personal finance, but all aspects of life: money, careers, relationships, business, fitness, and more. Since then, he's been testing and sharing his findings with the world via I Will Teach You To Be Rich. He's also written a New York Times bestselling book, been profiled in a 6-page Fortune article, and been pictured next to Warren Buffett in Forbes Magazine, as well as been featured by a long list of media, including the Wall Street Journal, ABC News, NPR, Fox Business, PBS, CNBC, and more. He also has tons of documented success stories—more than 20,000. The original post is located here: https://www.iwillteachyoutoberich.com/blog/tip-23-go-cash-only-for-15-to-30-days Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts --- Support this podcast: https://anchor.fm/optimal-finance-daily/support

Optimal Finance Daily
583: [Part 1] How to Save Cash in 7 Systems by Ramit Sethi of I Will Teach You to be Rich

Optimal Finance Daily

Play Episode Listen Later May 23, 2018 9:01


Ramit Sethi of I Will Teach You to be Rich shares how to save cash in 7 systems. Episode 583: [Part 1] How to Save Cash in 7 Systems by Ramit Sethi of I Will Teach You to be Rich (Envelope System for Saving Money). Ramit wants to use money to say YES. He knew there was a better way to live a rich life—if we could use psychology to focus on what actually works. Not just for personal finance, but all aspects of life: money, careers, relationships, business, fitness, and more. Since then, he's been testing and sharing his findings with the world via I Will Teach You To Be Rich. He's also written a New York Times bestselling book, been profiled in a 6-page Fortune article, and been pictured next to Warren Buffett in Forbes Magazine, as well as been featured by a long list of media, including the Wall Street Journal, ABC News, NPR, Fox Business, PBS, CNBC, and more. He also has tons of documented success stories—more than 20,000. The original post is located here: https://www.iwillteachyoutoberich.com/blog/tip-23-go-cash-only-for-15-to-30-days Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts --- Support this podcast: https://anchor.fm/optimal-finance-daily/support

Optimal Finance Daily - ARCHIVE 1 - Episodes 1-300 ONLY
583: [Part 1] How to Save Cash in 7 Systems by Ramit Sethi of I Will Teach You to be Rich

Optimal Finance Daily - ARCHIVE 1 - Episodes 1-300 ONLY

Play Episode Listen Later May 23, 2018 11:21


Ramit Sethi of I Will Teach You to be Rich shares how to save cash in 7 systems. Episode 583: [Part 1] How to Save Cash in 7 Systems by Ramit Sethi of I Will Teach You to be Rich (Envelope System for Saving Money). Ramit wants to use money to say YES. He knew there was a better way to live a rich life—if we could use psychology to focus on what actually works. Not just for personal finance, but all aspects of life: money, careers, relationships, business, fitness, and more. Since then, he's been testing and sharing his findings with the world via I Will Teach You To Be Rich. He's also written a New York Times bestselling book, been profiled in a 6-page Fortune article, and been pictured next to Warren Buffett in Forbes Magazine, as well as been featured by a long list of media, including the Wall Street Journal, ABC News, NPR, Fox Business, PBS, CNBC, and more. He also has tons of documented success stories—more than 20,000. The original post is located here: https://www.iwillteachyoutoberich.com/blog/tip-23-go-cash-only-for-15-to-30-days Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

Optimal Finance Daily - ARCHIVE 2 - Episodes 301-600 ONLY
583: [Part 1] How to Save Cash in 7 Systems by Ramit Sethi of I Will Teach You to be Rich

Optimal Finance Daily - ARCHIVE 2 - Episodes 301-600 ONLY

Play Episode Listen Later May 23, 2018 11:21


Ramit Sethi of I Will Teach You to be Rich shares how to save cash in 7 systems. Episode 583: [Part 1] How to Save Cash in 7 Systems by Ramit Sethi of I Will Teach You to be Rich (Envelope System for Saving Money). Ramit wants to use money to say YES. He knew there was a better way to live a rich life—if we could use psychology to focus on what actually works. Not just for personal finance, but all aspects of life: money, careers, relationships, business, fitness, and more. Since then, he's been testing and sharing his findings with the world via I Will Teach You To Be Rich. He's also written a New York Times bestselling book, been profiled in a 6-page Fortune article, and been pictured next to Warren Buffett in Forbes Magazine, as well as been featured by a long list of media, including the Wall Street Journal, ABC News, NPR, Fox Business, PBS, CNBC, and more. He also has tons of documented success stories—more than 20,000. The original post is located here: https://www.iwillteachyoutoberich.com/blog/tip-23-go-cash-only-for-15-to-30-days Please Rate & Review the Show! Visit Me Online at OLDPodcast.com & in The O.L.D. Podcasts Facebook Group! and Join the Ol' Family to get your Free Gifts Learn more about your ad choices. Visit megaphone.fm/adchoices

A Rich Life
How to Save Cash to Start Your Small Business

A Rich Life

Play Episode Listen Later Apr 27, 2018 23:14


This podcast is all about the simple things you can do from day to day to help you save your money to purchase the equipment you need or the courses you need so that you will have a strong start. For more information visit: www.alisharichard.com --- Support this podcast: https://anchor.fm/arichlife/support

Entrepreneur Weekly
Marc Gorlin & Demetri Argyropoulos

Entrepreneur Weekly

Play Episode Listen Later Mar 24, 2018 39:17


Traditional shipping methods can be costly. Marc Gorlin created an App-based, on-the-go shipping company with small businesses in mind. Roadie has over 60,000 registered drivers from coast to coast that are ready to help your items reach their final destination faster while saving you cash. The Roadie Founder and CEO shares the biggest challenges he faced launching this innovative platform and offers his #1 advice for first time entrepreneurs. Next, how can you use relationship equity and strategic capital to gain an advantage on the competition? Avant Global Founder and CEO, Demetri Argyropoulos, explains how to craft a winning sales pitch to secure savvy investors, nurture top talent, and identify money-making startups. [00:00:00] Remodeling Foible Inspires Roadie Platform [00:05:25] Save Cash on Traditional Shipping Methods [00:11:30] Challenges Facing On-the-Go Delivery App [00:18:21] Building Relationship Equity and Strategic Capital [00:26:18] Part Talent Agent, Part Angel Investor [00:33:22] Advice for Entrepreneurs Looking to Invest

Easy Money with Elisabeth Leamy
Save: Cash Apps. Make: Cashback. Find: Unclaimed SEC Money. Episode 28.

Easy Money with Elisabeth Leamy

Play Episode Listen Later Dec 14, 2017 20:49


Save More: Use the Earny App to get refunds when prices decline.  Make More: With online reward sites that give you cash back.  Find Yours: Claim your money through the Security and Exchange Commission.  Top Tip: Donate your money wisely this holiday season. 

Guerrillapreneur: The Art of Waging Small Business Warfare
Episode 4 - Guerrillapreneur Mastermind Interview: Two Dough Girls, Using Pop-Up Shops to Save Cash and the Environment

Guerrillapreneur: The Art of Waging Small Business Warfare

Play Episode Listen Later Feb 15, 2017 59:50


In Episode 4 of the Art of Waging Small Business Warfare podcast, we bring you up to speed with Guerrillapreneur news, news about the sharing, gig and circular loop economies. We give the listeners an update on the home sharing market and discuss AccorHotel's acquisition of Atlanta, Georgia based Travel Keys and their strategy to dominate luxury private rentals. We also discuss Airbnb's response to this threat. We wrap up this section by introducing Muzbnb, a home sharing startup focused on the Muslim community. Ride sharing is back in the news. Uber signed a deal with Zipcar and GetMyBoat announces that it has 64,000 boats available for rent. Finally, the Gig and Sharing economies are discussed with the launch of Zendfast's new crowdsourced parcel delivery service. In our second Mastermind Interview, we talk with Traci and Kelley Wright, the founders of the environmentally and health conscious bakery, Two Dough Girls. Traci and Kelly use Pop-Up Shops to sell their baked goods and they invest the savings into the quality of their product and friendly of their packaging. The Two Dough Girls bakery is part for-profit startup and part health and environmental movement. The founders have made their packaging biodegradable and they strive to purchase fresh local ingredients for their products. Sound familiar? Yes. They sound like Ben and Jerry's Ice Cream. Please share your feedback and ways that we can make the show better for you. Please subscribe to the podcast via iTunes, GooglePlay, RSS or Podomatic.com. Sign up for the Guerrillapreneur entrepreneur startup kit at ceyero.com. Keep fighting, Guerrillapreneurs! Host: mark anthony peterson Host Twitter/Instagram: @guerillapreneur Guests: Traci & Kelley Wright Guest Twitter/Instagram: @twodoughgirls Guest Website: www.twodoughgirls Sponsor(s): Ceyero Consulting, www.ceyero.com

Guerrillapreneur: The Art of Waging Small Business Warfare
Episode 4 - Guerrillapreneur Mastermind Interview: Two Dough Girls, Using Pop-Up Shops to Save Cash and the Environment

Guerrillapreneur: The Art of Waging Small Business Warfare

Play Episode Listen Later Feb 15, 2017 59:50


In Episode 4 of the Art of Waging Small Business Warfare podcast, we bring you up to speed with Guerrillapreneur news, news about the sharing, gig and circular loop economies. We give the listeners an update on the home sharing market and discuss AccorHotel's acquisition of Atlanta, Georgia based Travel Keys and their strategy to dominate luxury private rentals. We also discuss Airbnb's response to this threat. We wrap up this section by introducing Muzbnb, a home sharing startup focused on the Muslim community. Ride sharing is back in the news. Uber signed a deal with Zipcar and GetMyBoat announces that it has 64,000 boats available for rent. Finally, the Gig and Sharing economies are discussed with the launch of Zendfast's new crowdsourced parcel delivery service. In our second Mastermind Interview, we talk with Traci and Kelley Wright, the founders of the environmentally and health conscious bakery, Two Dough Girls. Traci and Kelly use Pop-Up Shops to sell their baked goods and they invest the savings into the quality of their product and friendly of their packaging. The Two Dough Girls bakery is part for-profit startup and part health and environmental movement. The founders have made their packaging biodegradable and they strive to purchase fresh local ingredients for their products. Sound familiar? Yes. They sound like Ben and Jerry's Ice Cream. Please share your feedback and ways that we can make the show better for you. Please subscribe to the podcast via iTunes, GooglePlay, RSS or Podomatic.com. Sign up for the Guerrillapreneur entrepreneur startup kit at ceyero.com. Keep fighting, Guerrillapreneurs! Host: mark anthony peterson Host Twitter/Instagram: @guerillapreneur Guests: Traci & Kelley Wright Guest Twitter/Instagram: @twodoughgirls Guest Website: www.twodoughgirls Sponsor(s): Ceyero Consulting, www.ceyero.com

InfoTrak
Nice Kids Finish First-Power Down to Save Cash

InfoTrak

Play Episode Listen Later Jul 1, 2016


InfoTrak
Nice Kids Finish First-Power Down to Save Cash

InfoTrak

Play Episode Listen Later Jul 1, 2016


InfoTrak
Nice Kids Finish First-Power Down to Save Cash

InfoTrak

Play Episode Listen Later Jul 1, 2016


InfoTrak
Nice Kids Finish First-Power Down to Save Cash

InfoTrak

Play Episode Listen Later Jul 1, 2016


InfoTrak
Nice Kids Finish First-Power Down to Save Cash

InfoTrak

Play Episode Listen Later Jul 1, 2016


InfoTrak
Nice Kids Finish First-Power Down to Save Cash

InfoTrak

Play Episode Listen Later Jul 1, 2016


InfoTrak
Nice Kids Finish First-Power Down to Save Cash

InfoTrak

Play Episode Listen Later Jul 1, 2016


InfoTrak
Nice Kids Finish First-Power Down to Save Cash

InfoTrak

Play Episode Listen Later Jul 1, 2016


InCharge Radio's Podcast
Save Cash By Keeping An Older Car

InCharge Radio's Podcast

Play Episode Listen Later Mar 11, 2014 1:00


InCharge Radio's Podcast
Save Cash By Keeping An Older Car

InCharge Radio's Podcast

Play Episode Listen Later Mar 11, 2014 1:00


Gardenerd Tip of the Week
Save Cash, Start Seeds

Gardenerd Tip of the Week

Play Episode Listen Later Sep 27, 2013


Be more planet-friendly by starting seeds in newspaper pots rather than plastic seed trays. The post Save Cash, Start Seeds appeared first on Gardenerd.

save cash gardenerd
InCharge Radio's Podcast
Save Cash By Keeping An Older Car

InCharge Radio's Podcast

Play Episode Listen Later Jun 26, 2012 1:00


InCharge Radio's Podcast
Save Cash By Keeping An Older Car

InCharge Radio's Podcast

Play Episode Listen Later Jun 26, 2012 1:00


InCharge Radio's Podcast
Save Cash By Keeping An Older Car (AIRS 6-26-12)

InCharge Radio's Podcast

Play Episode Listen Later Jun 21, 2012 1:00


I Am Do Filmmaker
IADF Podcast 035: Save Cash with DIY Camera Rigs says Morgan Black

I Am Do Filmmaker

Play Episode Listen Later May 22, 2012 9:18


09:18 no camera,film,black,gear,diy,movie,north,media,morgan,do,scotland,east,am,filmmaker,i,aberdeen,moray,angus,rigs,aberdeenshire,grampian,iadf,breached Filmmaker Morgan Black says you can save money and be creative by making your own DIY camera rigs. sam@rufusrunsfast.com (Sam Thom

InCharge Radio's Podcast
Save Cash By Keeping An Older Car (AIRS 5-26-09)

InCharge Radio's Podcast

Play Episode Listen Later May 6, 2009 0:59