Podcasts about Scratch

Scientists stripped a cell down to its most essential genes in order to find out what makes life...alive. What they found was more bizarre than they could have imagined. This is the first episode of our new three-part series, Life from Scratch. Guests: Kate Adamala, associate professor at the University of Minnesota; John Glass, leader of the JCVI Synthetic Biology Group. For show transcripts, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠vox.com/unxtranscripts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For more, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠vox.com/unexplainable⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ And please email us! ⁠⁠⁠⁠⁠unexplainable@vox.com⁠⁠⁠⁠⁠ We read every email. Support Unexplainable (and get ad-free episodes) by becoming a Vox Member today: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠vox.com/members⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Want To Replace $20,000 + / Month in cashflow? Inside our community Action Academy [w/ over 700 members & $428M in deals done in 2025 alone ] we help high performers escape corporate America through buying small businesses and commercial real estate. Click this link to book a one-on-one discovery call with our membership director and become the next success story on our podcast!Follow Me As I Travel & Build:IG @brianluebbenActionAcademy.com

Like the show? Show your support by using our sponsors.   Need to update your shop systems and software? Try Tekmetric HERELaunch your tool game to the next level with Launch Tech USA! HEREIn this episode, Jeff talks with Oregon technician Sean Pierce about his unconventional path into automotive repair, from car audio and alarms to trade school, ASE certifications, and advanced diagnostics. Sean shares lessons from working on exotic vehicles and Sprinters, explains why process and proper brake work matter, and discusses his shop's hourly-plus-bonus pay structure and technician development pipeline. They also explore scan tools, hybrids and EVs, ADAS calibration, liability, parts quality, and the challenges of bringing the next generation into the trade.Timestamps:00:00 Trade School Journey 00:53 Podcast Intro and Wildfires 01:30 Farm Life and Animals 02:58 Toyota vs. Sprinter Shop Specialties 03:44 Sprinter Repair Nightmares 06:55 Car Audio and Euro Roots 10:57 Exotic Car Installs and Ferrari Stress 12:48 Becoming a Technician and Earning ASEs 15:52 Training Technicians the Right Way 18:00 Pay Plans and Shop Culture 20:21 Building a Community Reputation 26:14 Parts Quality and Counterfeit Components 35:26 On-Car Rotor Truing 38:40 Hub Preparation and Brake Vibration 41:28 Flat Rate vs. Quality 43:05 Proper Brake Bedding 45:56 Why Diagnostics Is Addictive 51:33 Setting Diagnostic Expectations 57:44 Audi S8 Diagnostic Nightmare 01:03:49 Scan Tools and Diagnostic Resources 01:08:38 Hybrids and EVs 01:13:03 EV HVAC Safety Warnings 01:14:11 ADAS and Calibration 01:15:53 Tesla and Self-Driving Reality 01:17:25 Calibration Liability and Pay 01:25:07 What Frustrates Technicians Today 01:27:49 How Passion Changes With Age 01:31:22 Side Work and Going Solo 01:40:15 Building the Next Generation of Technicians 01:48:13 Two-Year Goals and Wrap Up Follow/Subscribe to the show on social media! TikTok - https://www.tiktok.com/@jeffcompton7YouTube - https://www.youtube.com/@TheJadedMechanicFacebook - https://www.facebook.com/profile.php?id=100091347564232

This class was originally taught by Julie Jancius in 2020 as part of the Angel Membership Program. Hello, beautiful souls! Welcome back to the Angels & Awakening Podcast. I'm your host and author, Julie Jancius. Friends, this teaching on surrender is one of the most personal things I have ever shared — and I recorded it on a day when I really needed this message myself. Archangel Zadkiel holds the energy of surrender. And surrender, as she defines it, is not giving up. It's the most courageous thing you will ever do.

She built a thriving practice in Manhattan and appeared all over the media. Then she walked away, and it was never burnout. Samantha Nazareth is a gastroenterologist and the author of the memoir I Left Anyway: The Life I Was Supposed to Want. In this conversation she describes a deliberate triple exit from her practice, her home, and a ten-year relationship, and the six-week sabbatical that became years of travel. You will hear why she did not wait for retirement or a collapse to ask whether medicine could be all of her. She talks candidly about learning to swim as an adult, rebuilding an identity when your career is no longer the center of it, and sitting with the messy, uncertain in-between that most stories skip. If you have ever wondered what happens after the leap, this is the part no one describes. You will hear why the free fall after the leap is the real work, and what it takes to stay a student when the map runs out. Partner with me on the KevinMD platform. With over three million monthly readers and half a million social media followers, I give you direct access to the doctors and patients who matter most. Whether you need a sponsored article, email campaign, video interview, or a spot right here on the podcast, I offer the trusted space your brand deserves to be heard. Let's work together to tell your story. PARTNER WITH KEVINMD → https://kevinmd.com/influencer SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast

If you're exhausted by creating a brand-new presentation every time you're invited to speak, I get it. You want the talk to fit the audience. But customizing your message is very different from reinventing it.In this episode, I'm joined by our coaches Diane Diaz and Erin Mark to talk about how we each use one foundational signature talk across different audiences, industries, and formats.Erin shares how she adapts her CALM framework for everything from a six-minute-and-40-second PechaKucha talk to a 60-minute keynote. Diane explains what to keep, what to change, and why your stories should be the last thing you cut when time is tight.In this episode, we talk about:Why customizing a signature talk is different from creating a new talk from scratchThe core elements that should stay consistent across speaking engagementsHow Erin adapts her CALM framework for different industries and talk lengthsHow Diane changes stories and audience engagement without losing her central messageWhy listing 10, 15, or 20 speaking topics can make you harder to remember and referHow our Brand Voice Canvas connects your mission, expertise, methodology, and experiencesWhat Erin did when she was assigned a topic outside her expertiseHow to expand a keynote into a workshop without turning it into a content dumpHow your signature talk can become podcast talking points, website copy, and months of LinkedIn contentAbout Us: The Speaking Your Brand podcast is hosted by Carol Cox. At Speaking Your Brand, we help women entrepreneurs and professionals clarify their brand message and story, create their signature talks, and develop their thought leadership platforms. Our mission is to get more women in positions of influence and power because it's through women's stories, voices, and visibility that we challenge the status quo and change existing systems. Check out our coaching programs at https://www.speakingyourbrand.com. Links:Show notes at https://www.speakingyourbrand.com/486/ Discover your Speaker Archetype by taking our free quiz at https://www.speakingyourbrand.com/quiz/Enroll in our Thought Leader Academy: https://www.speakingyourbrand.com/academy/ Learn about our Orlando speaking retreat: https://www.speakingyourbrand.com/live/ Connect on LinkedIn:Carol Cox = https://www.linkedin.com/in/carolcoxDiane Diaz = https://www.linkedin.com/in/dianediaz/ Erin Mark = https://www.linkedin.com/in/erinmark/ Related Podcast Episodes:Episode 288: A Framework for Creating a Signature Talk for Income and ImpactEpisode 462: Speaking Strategies That Create Lasting Impact: Live Signature Talks from TLA Grads with Erin MarkEpisode 475: From Personal Story to Thought Leadership: A Framework for Speakers with Erin MarkEpisode 483: How an I.D.E.A., Not a Topic, Makes You Easier to Refer, Pitch, and Book with Carol Cox

If I Had To Start Over With $0, Here's How I'd Build a $1M BusinessIf everything disappeared tomorrow and you had to rebuild from $0, what would you do first?In this episode of Mama's House To Penthouse, Prinston Hicks and Country Cowboy break down the fundamentals they would use to build a business from nothing toward $1 million.Instead of chasing fame, followers, or the perfect idea, the conversation starts with one principle:Get money in motion.They discuss:• Picking a “rich problem” people already pay to solve• Selling outcomes instead of services• Finding product-market fit before overbuilding• Choosing one niche instead of selling to everyone• Creating a simple offer customers understand• Getting your first customers through direct outreach• Building a repeatable sales process• Systemizing fulfillment• Creating SOPs and processes• Using teams and automation to scale• Building toward $10K/month and eventually $1 millionThe guys also discuss the GTA 6 leak and cybersecurity, competing on value instead of price, customer experience, shipping, small-business operations, and protecting your brand online.If you're starting a business, struggling to find customers, or trying to turn your hustle into something scalable, this episode gives you a practical framework you can actually implement.Follow Mama's House To Penthouse for weekly conversations about entrepreneurship, business systems, sales, AI, marketing, leadership, and building a life of freedom.⏱️ CHAPTERS00:00 Intro00:28 The GTA 6 Leak01:42 The Biggest Cybersecurity Weakness Is People03:01 GTA 6 Leak Costs Take-Two Billions in Market Value03:28 Penthouse Plays03:30 Why Small Businesses Shouldn't Compete on Price05:00 Compete on Service, Speed & Experience07:18 Making Money Online & Business Opportunities09:25 Tighten Your Business Systems While The Economy Improves10:01 Is Fast Shipping Still Worth Paying For?11:59 Brand Impersonation Is Becoming a Business Risk14:35 If You Had To Start From $0, How Would You Build $1 Million?16:05 Step 1: Pick a Rich Problem19:25 Validate Your Offer Before Building It20:08 Step 2: Sell The Outcome, Not The Service22:15 Step 3: Start With One Niche24:05 Why Selling To Everybody Creates Confusion25:15 Make Your Offer Extremely Simple28:00 Starting From Your Mom's House Isn't a Disadvantage29:25 Use Your Current Situation To Build32:20 Getting Your First Customers33:00 Direct Content + Direct Outreach36:00 Don't Fake Results You Don't Have39:00 Build a Repeatable Sales Process40:00 You Need To Know Exactly What Happens Next42:00 Turn Fulfillment Into a System44:00 Stop Making Every Customer Experience Custom47:00 Building SOPs, Teams & Automation48:15 The $0 to $1M Blueprint Recap51:05 Does This Blueprint Actually Work?52:00 Why There Is No Magic Formula53:00 Final Thoughts & 24-Hour Empire53:39 Outro

DJ Oti tényleg Magyarország legnépszerűbb DJ je? És egyáltalán DJ nek kell lennie ahhoz, hogy 65 ezer ember tomboljon a produkciójára?   Ebben az epizódban Pozsonyi Attilával, vagyis DJ Pozsival ültem le beszélgetni, akivel nemcsak évtizedes barátság köt össze, hanem a zene, Amerika és a DJ kultúra is folyamatosan keresztezi az életünket.  Pozsi most a DJX miatt érkezett Amerikába, de az útja különösen érdekesen alakult: közvetlenül előtte ott volt DJ Oti hatalmas budapesti buliján, majd Amerikában megnéztük a Beatstockot is, ahol a 80 as és 90 es évek legendás előadói léptek színpadra. Ez adta az ötletet ahhoz, hogy egymás mellé tegyük a két teljesen különböző produkciót. Az egyik oldalon DJ Oti, egy tudatosan felépített karakter Sebestyén Balázs köré, aki nem klasszikus értelemben vett DJ, mégis elképesztő tömeget mozgatott meg. A másik oldalon a Beatstock, ahol több tucat eredeti előadó és olyan nevek jelentek meg, akiknek a zenéin egy teljes generáció nőtt fel.  Pozsi saját pontrendszert is készített a két rendezvényről. Beszélünk látványról, hangtechnikáról, színpadtechnikáról, vendéglátásról, jegyárakról, lineupról és természetesen a közönség létszámáról is. Meglepő módon több kategóriában éppen a magyar produkció jött ki erősebben. Pozsi szerint vizuálisan és színpadtechnikában is komolyabb volt a budapesti show.   De innen indul az igazán érdekes kérdés.   Mitől DJ valaki 2026 ban? A technikai tudástól? Attól, hogy tökéletesen mixel? Attól, hogy tud scratchelni? Vagy attól, hogy képes több tízezer ember figyelmét irányítani és egy egész estét élménnyé alakítani? Pozsi szerint a DJ szakma az elmúlt évtizedekben jelentősen megváltozott. A bakelitet felváltotta a CD, majd a laptop, a pendrive és az egyre automatizáltabb technika. Közben a hangsúly egyre inkább áttevődött a karakterre, a brandre és a showra. A beszélgetésben visszamegyünk egészen az 1993 as DMC világáig, ahol még egészen más jelentése volt annak, hogy ki számít jó DJ nek.  Szóba kerül DJ Bobo, 2 Unlimited, Arthur Baker és Kool DJ Red Alert is, valamint az, hogy Amerikában milyen tisztelet övezi azokat az előadókat és DJ ket, akik évtizedekkel korábban meghatározó szerepet játszottak egy műfaj kialakulásában.    Beszélünk arról is, hogy valójában mire veszünk jegyet egy koncertre. A zenére? Az előadóra? A nosztalgiára?   Vagy egyszerűen arra az érzésre, hogy ott voltunk valamin, amiről mindenki beszél? Innen jutunk el Azahriah és PamKutya példájához is. Miért alakul ki bizonyos események körül az az érzés, hogy oda egyszerűen el kell menni? Hogyan lesz egy produkcióból kulturális esemény, és mikor kezd el fontosabbá válni a történet, mint maga az előadó?  A beszélgetés második felében előkerül a DJX Atlantic City is. Pozsi elmeséli, mit látott a DJ szakma egyik nagy amerikai találkozóján, az amatőr versenyzőktől a komoly scratch DJ kig, egészen a látványra és showra építő produkciókig.    Aztán teljesen más irányba kanyarodunk. Beszélünk a WNBA ről, Caitlin Clarkról és Sophie Cunninghamről, valamint arról, hogyan tud egy sportág iránti érdeklődést néhány karakter, rivalizálás és konfliktus teljesen új szintre emelni. Felmerül a kérdés is: ha eltűnik a hype, megmarad e maga a sport iránti érdeklődés?  A végére pedig talán egy még fontosabb gondolathoz jutunk el. Egy bizonyos életkor után lehet, hogy nem tárgyakat kell gyűjteni, hanem élményeket. Utazásokat, koncerteket, találkozásokat és történeteket, amelyekből később valóban marad valami.    Ha érdekel a DJ kultúra, a showbiznisz működése, a 90 es évek zenéje, Amerika és Magyarország közötti különbségek, vagy egyszerűen szereted azokat a beszélgetéseket, amelyek egyik témából természetesen átkanyarodnak a következőbe, akkor ezt az epizódot neked készítettük.   Iratkozz fel a MÓKA Podcast csatornára, nyomj egy like ot, és írd meg kommentben: Szerinted DJ Oti DJ? És mitől lesz valaki igazán jó DJ 2026 ban?  

Tired of spending 45 minutes prepping a "convenience" meal kit after a long workday? In this episode of Let's Not Sugar Coat It, Bella sits down with Lani Stroder, founder of Lani's Kitchen, for a raw conversation about what it actually takes to feed a busy family wholesome, scratch-made food without losing your mind. Lani spent 25 years in the culinary world before launching Lani's Kitchen to solve a problem every busy parent faces: the invisible mental load of meal planning, grocery shopping, and endless cooking. Bella and Lani dive into the impact of seed oils, sugar, and inflammatory triggers on gut health and eczema, why most North American kids' menus are full of processed filler, and the reality of running a family business where her teenage kids work full-time in the kitchen. Connect with Our Guest:Website: laniskitchen.ca  Instagram: @laniskitchenkelowna  Email: info@laniskitchen.ca Connect with Bella & Lee:Website: letsnotsugarcoatit.comYouTube: @LetsNotSugarCoatItPodcast

What if opening a second location wasn't your only option for growth?In this episode of the Female emPOWERed Podcast, Christa Gurka introduces one of the most overlooked growth strategies in the boutique fitness and wellness industry: Entrepreneurship Through Acquisition (ETA). Instead of building a new studio from scratch, what if you could buy an existing, profitable business with an established client base, trained team, and recurring revenue?Christa walks through the real numbers behind buying versus building, explains how SBA financing works, and shares why acquiring an existing business can help you skip years of startup risk while accelerating profitability. Whether you own a Pilates studio, PT practice, yoga studio, or wellness business, this episode will change the way you think about scaling. In This Episode, You'll Learn: What Entrepreneurship Through Acquisition (ETA) is  Why buying a business can be less expensive than starting from scratch  How SBA loans can finance up to 90% of a business acquisition  The real math behind buying vs. building a second location  What makes an existing business valuable to buyers  Creative acquisition strategies, including seller financing and earn-outs  How to find acquisition opportunities in your local market  Why profitability, systems, and recurring revenue matter more than size  How acquisitions can accelerate long-term business growth Key Takeaways✔️ Growth doesn't always mean starting from zero.✔️ A profitable, cash-flowing business may cost less to acquire than building a new location.✔️ SBA financing makes business acquisitions accessible to many small business owners.✔️ Systems, leadership, and recurring revenue increase both business value and acquisition opportunities.✔️ Thinking like an investor can dramatically change your long-term wealth-building strategy. Resources Mentioned

"McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Welcome to a very, very, very special bonus episode of Out of Patients, and one unlike anything published on this feed before. For nearly 20 years, Matthew Zachary has handed these microphones to patients, caregivers, doctors, advocates, troublemakers, and people with something worth saying. This time, he handed them to his daughter. Hannah Greenzweig grew up around this show, and now she has commandeered the studio with 3 of her wonderfully creative high school friends to talk about something they built entirely themselves. There is an enormous amount of Dad Pride baked into this episode, along with the strange and wonderful realization that sometimes your kid grows up, takes your chair, takes your microphone, and produces a better show without you.Hannah Greenzweig, Michael Aidinov, Gwendolyn Baldini, and Astronomy are student artists from the Roundabout Youth Ensemble at James Madison High School in Brooklyn. Working alongside teaching artists from Roundabout Theatre Company, they spent a school year creating an original play from the ground up, writing every scene, developing every character, and producing the performance themselves.Instead of discussing a Broadway production, they dissect one they invented.Their play, Subject Matter, began with a room full of improbable ideas. Murderous bounce houses, pirate family sagas, underwater adventures, courtroom dance battles, and birthday parties at math museums all competed before the group settled on an absurd rivalry between New York's fictional History Museum and Math Museum. From there, they built a fully staged comedy about institutional competition, sabotage, oversized personalities, and the unexpected discovery that history and mathematics need each other more than either side wants to admit.The conversation pulls back the curtain on a creative process most audiences never see. The students explain how scenes evolved through constant rewrites, how characters emerged from improvisation, how costumes came together with last minute ingenuity, and how rehearsals often collapsed into uncontrollable laughter. They recount cutting favorite ideas, solving production problems with limited resources, and trusting each other enough to keep rewriting until the story worked.The episode also captures something harder to script: teenagers speaking honestly about collaboration without adults translating their experience. They celebrate classmates who stepped into unexpected roles, teachers who quietly held the production together, and the strange joy of creating something that exists only because everyone showed up.It is a conversation about theater, friendship, education, creativity, and what happens when 4 young artists get the microphones and the adults get out of the way.RELATED LINKSRoundabout Theatre CompanyRoundabout Youth EnsembleJames Madison High SchoolFEEDBACKLike this bonus episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship email podcasts@matthewzachary.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In today's episode, Lou asks Mark and Greg about greenside short game. How often will a chip from the rough finish outside 6 paces for scratch, 10, and 20 index golfers? After Greg incinerates the 20s again, the guys talk about how to get those chips into a more manageable range.Check out Lou's new practice app, Window Golf: https://apps.apple.com/us/app/window-golf/id6778014214Each of these will be a mini-episode (10-15 minutes long) about an interesting golf stat. We will discuss what you can learn, and most importantly, how you can apply this on the golf course to lower your scores and lower your handicap. Listen on your drive to the golf course or over your Saturday morning coffee!Data is sourced from Arccos Golf. They have over 1 BILLION shots in their database. Check them out at: https://www.arccosgolf.com/ Use code MARK15 for 15% off!If you have a question you want covered on the pod, please submit here: https://www.hackitoutgolf.com/contact/Listeners can also leave us a voicemail! https://www.hackitoutgolf.com/voicemail/Where to find us:Mark Crossfield's weekly newsletter: https://www.crossfieldgolf.com/subscribeMark Crossfield on Twitter: https://twitter.com/4golfonlineMark Crossfield on YouTube: https://www.youtube.com/user/4golfonlineLou Stagner's weekly newsletter: https://newsletter.loustagnergolf.com/subscribeLou Stagner on Twitter: https://twitter.com/LouStagnerGreg Chalmers on Twitter: https://twitter.com/GregChalmersPGASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A couple of golf improvement listener questions for Mark, Lou, and Greg in today's podcast. The first: is it easier to get from a 15-index down to 5 than to get from 3 down to scratch? The guys bring their own experiences and Mark's coaching to consider the different ways that people improve. Then they turn to some ways to get in short game practice in shorter blocks of time.If you have a question you want covered on the pod, please submit here: https://www.hackitoutgolf.com/contact/Listeners can also leave us a voicemail! https://www.hackitoutgolf.com/voicemail/Where to find us:Mark Crossfield's weekly newsletter: https://www.crossfieldgolf.com/subscribeMark Crossfield on Twitter: https://twitter.com/4golfonlineMark Crossfield on YouTube: https://www.youtube.com/user/4golfonlineLou Stagner's weekly newsletter: https://newsletter.loustagnergolf.com/subscribeLou Stagner on Twitter: https://twitter.com/LouStagnerGreg Chalmers on Twitter: https://twitter.com/GregChalmersPGAThe Hack It Out Golf Podcast on Twitter: https://twitter.com/HackItOutGolfSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Did you know: Today's dentists are waiting five years longer to buy a practice than they were a generation ago? Kiera is joined by Brian Hanks of Dental Buyer Advocates to talk about delayed ownership traps and why the future of private practice is an encouraging one (Brian shares numerous data points to back that up). They also touch on overcoming fears and all the information out there that makes everyone seem more prepared for business ownership than they actually are, and how to go about buying a practice while asking the right questions. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera (00:00) Hello, Dental A Team Listeners, this is Kiera, and today is an awesome day. I am so excited to be podcasting with one of my favorite humans. He and I have spoken across the country together. We go to different things, we share clients together. I have Brian Hanks, the owner of Dental Dental Buyer Advocates. And today we're gonna talk about like delayed ownership trap because I think so many people get stuck into this of should I buy, should I not buy? And Brian and I are just here to have a fun rift. So, Brian, welcome to the show today. How are you?   Brian Hanks (00:28) So nice to be back, Kiera. You're one of my favorite people too. Thank you for having me.   Kiera (00:32) Of course. I'm excited, Brian. It's a good time. It's been a hot minute since we podcasted together. So it's time, it's time to talk about this. Because when we were chatting about episodes, you were saying that dentists are now waiting like five years longer to buy a practice than they were a generation ago, which is fascinating to me because I've been on this like whole hot to trap of like, do people buy? Are DSOs taking over? Like, is there still money to be made in private practice? Like literally my chiropractor and I were talking about this the other day because she's like,   My dentist told me that they were like not able to make any money. And I was like, well, they sh just give them my card. Like private practice to me is still one of the best businesses and industries, even if you have to buy a top dollar right now. and so just like super fascinating to talk about like delaying that purchasing, why people do it. But Brian, I've jumped right in and pretended like everybody knows who you are. Brian, give us a little intro of like who you are, how you got into Dental Buyer Advocates, what your background is, and then like let's talk about to delay or not delay buying a practice.   Brian Hanks (01:29) Sure.   Yeah, I one of my favorite stories. I'm an ex-Wall Street guy, so I'm a reformed Wall Streeter. And my father-in-law is a dentist. And I would watch these Wall Street people come in and like sell a very aggressive investments. And when they went bust, they would turn around and sell the crappy investments to dentists who at the time my was my father in law. Active practice, he lived in the Seattle area. And anyway, I went to go work for a dental CPA in the Dallas area. I went to work for another one. So I'm I've lived in the accounting world, Kiera.   And when I was in that world, I got younger dentists who were in the pro they were the associates and they were asking accounting questions and tax questions and you know financial planning questions. And inevitably they would come back to dental practice ownership. Like, how do I do this? How much do I pay? Is   Kiera (02:13) Yeah.   Brian Hanks (02:13) is this a good deal? And so I went looking for the book. I was like, well, where's the book? I was on Amazon, I was other places. There was no book. And I thought, all right, well, let me try writing this book. Famous Last Words, by the way, it's way harder than you assume. But the book is called.   Very creatively, How To Buy A Dental Practice. And that helped me start my own business. And that's   Kiera (02:30) I like it.   Brian Hanks (02:33) what I do. I I only help buyers of dental practices. And, you know, Kiera, my business is good, your business is good. Dentist business, we can talk about why the future of private practice is very bright. I can give you some stats and   Kiera (02:46) Mm-hmm.   Brian Hanks (02:46) statistics. But one of the interesting, the most interesting facts for me is Health Policy Institute has data that shows that.   Dentists get into ownership, like they they end up in ownership. Okay, so I'll give you like they've broken it down by like graduation rates. So like the the   Kiera (03:07) And what I   Brian Hanks (03:08) dental school grads from 1990 and then 1995, and everybody between 95 and 2000, so and so forth. So they have these like vintages of graduates. And   Kiera (03:16) Mm-hmm. Mm-hmm.   Brian Hanks (03:17) very reliably, they're showing that nine out of ten dentists, of which you know there's 203,000 in the US, nine out of ten end up in ownership.   At some point in their career. But like you said,   Kiera (03:27) Fascinating.   Brian Hanks (03:28) they're waiting longer to do it. And I think that's what we're going to talk about.   Kiera (03:32) Yeah. Which like again, I think people are scared. So many students I worked at Midwestern and they're like, Kiera, should I buy? Should I go associate? And I was like, listen, you're just delaying the inevitable so like get in there and get it done. Now, I like always throw an asterisk on that. Like if you're not good at your hand skills, like yeah, go go associate for a hot minute. like if you aren't confident with your speed and with case acceptance and like presenting, that's gonna be but I'll tell you there is nothing more thrilling than throwing yourself into a business that you have to produce for.   You learn case acceptance really freaking fast. Like, ask me how I know. We surely did that. Like I took a student, we took our first practice from 500,000 to 2.4 million in nine months. Like she was a she was a power producer. Do I have an office right now that just bought a practice less than a year ago? We're already on track for two and a half million. Yes. Like there are a lot of success stories from that small town. It's not like they were just given the keys to the kingdom. Like they've had to work for it, they've had to build things. They don't have full schedules. But   I just, I don't know. I'm the same way and I I don't know. I'm I'm at a space of but do what makes you happy. Like, do not go   Brian Hanks (04:37) Yeah.   Kiera (04:38) own a practice and make less than being an associate. That's like a hard line for me too. I'm like, 'cause if you're gonna like not be a good business owner, keep associating. But I   Brian Hanks (04:43) No. Yeah.   Kiera (04:46) agree, I feel like the trajectory of dentists is always to purchase. Like they want their own stamp, they want their name on the building. I will also highly recommend don't put your name on the building. Like that's really fun and not scalable. Ask me again how I know that. Like   Cura's dental consulting was real fun till it wasn't. Like the things you the things you evolve on, but truly I I'm excited to hear why you think people are delaying, what that's costing them. Brian, I love that you always come with a bunch of stats and facts. And I love that you named your book, like How To Buy A Dental Practice. That's what people want to know. so it sometimes simple is no, that is the best.   Brian Hanks (05:13) I know. I just yeah. I'm not the best at marketing, right? So yeah, like we we call Kiera when we need   marketing advice. So okay.   Kiera (05:24) Mm-hmm.   Brian Hanks (05:24) So Kiera, here are some more stats for you.   Kiera (05:28) Okay, ready?   Brian Hanks (05:29) the average owner, dentist, makes $151,000 than the average more than the average associate. Okay, 151. Now that's   Kiera (05:37) I was like, hold on, 151   is bad. That's more than if you're being an associate. You're gonna make 151,000 more. Okay.   Brian Hanks (05:43) Yep. Yeah. And think about why   that is. Yep. That's obviously the you're taking on the risk. You're taking on the the pain and suffering of being an owner, right? So there's some compensation involved in   Kiera (05:51) Mm-hmm.   Brian Hanks (05:52) that. Those are two medians, right? And there is a bell curve around both of those numbers. So is it possible   Kiera (05:57) Course.   Brian Hanks (05:58) to make less as an associate? Yes. Yeah. Is it possible   to make a hell   Kiera (06:01) Mm-hmm. Uh-huh.   Brian Hanks (06:02) of a lot more than $151,000 more than an associate? Absolutely, yes, right. So there's there's room on both end of the ends of those those bell curves. but think about   So here's why I one of the data points why I think private practice ownership and dentistry is still it's bright and it's getting brighter. Is you think about the average associate you talk to, Kiera, the average associate I talk to when we're standing around a cocktail party or at mid mid the you know, wherever, some conference, Yankee, Midwestern.   Kiera (06:30) Mm-hmm.   Brian Hanks (06:31) And I will tell you the average associate that I talk to isn't saying, gosh, Brian, you know what? I love my boss. I love the DSO I'm working for.   I love my hours. I love the insurances we take, the assistant they force me to use, I love her, right? It's the future of private practice dentistry is bright because dentists are people. And people generally like   Kiera (06:52) Mm-hmm.   Brian Hanks (06:52) a little bit of control over their career if they can get it. And dentists absolutely can get it. So that's one of the data points that   Kiera (06:55) Yeah.   Brian Hanks (06:58) I love. Now, are dentists scared to get into ownership? And do higher on average student loan balances scare them marginally more than they did 10 years ago, 20 years ago? For sure.   Yep, absolutely. Here's the mistake   Kiera (07:11) Absolutely.   Brian Hanks (07:11) they make. So I'll give the associates listening or the students or whoever it is that's maybe telling you, Kiera, or telling me, or they're telling their, you know, the the person next to them on the treadmill at the gym while they're listening to this, like, sure, Brian, easy for you to say, but I don't feel ready. Right? I haven't taken all of Care's courses.   Kiera (07:30) Mm-hmm.   Brian Hanks (07:31) I haven't, I don't know how you know, I'm not the pro at treatment planning. My hands beat because you I I want to take this implant course first, right?   You come up, your brain comes up with all these excuses of why you don't feel ready. And I'm not gonna dismiss your feelings. I think your   Kiera (07:45) Mm-hmm.   Brian Hanks (07:46) feelings are valid. You should listen to them, but don't here here's another thing to consider in addition to your feelings. Is you know how there were like a hundred people in your dental school class, probably ish, right? And 10 of whom you would never let near your teeth. Like you watch them go through all four years of dental school and you're like,   Okay, of those 10 over there, like they're never getting, they're never giving me a shot. They're never in that nothing, right?   Kiera (08:10) Yep.   Brian Hanks (08:10) Because I guarantee you, nine out of ten of those dentists, they already own their practice. They're not bankrupt. They're making more money than you,   Kiera (08:16) Yeah.   Brian Hanks (08:17) and they are killing it. Meanwhile, you're scared to run a practice. And those, if   Kiera (08:22) Mm-hmm.   Brian Hanks (08:22) those jokers can figure it out, you can figure it out.   Kiera (08:26) Totally. Well, and I think also on there like, Brian, let's be real. Is anybody ready to be a business owner? Like I wasn't, I'm sure you weren't.   Brian Hanks (08:31) Nope. Nope.   Kiera (08:33) I think are people ready to be parents? The answer is no. Like nobody feels ready for that. Were you ready when you went into dental school? The answer's no. I think that there's this imposter syndrome that hits us all that we think, like, give me a little more time and I'm gonna get ready. Give me a little more time. And I will say that like the brass taxes, you jump into owning a business and you figure it out. Now, should you listen to some podcasts? Should you do some things? Like for sure.   But   like how many consultants and coaches are there that literally are gonna like grab your hand, walk you through, and make sure you don't make the mistakes? Like how many people like yourself are gonna walk you through buying the practice to where it's an actually great practice? I I think that I think there's more help today. Now, do I think there's a lot of noise and a lot of people that might be like posturing out there saying that they know what they're doing? Yes. So make sure you like vet them a little bit before you go and jump on a bandwagon of somebody, like someone who's been there, done that, done that successfully multiple times is who I'd bet on. But like   We are in such a day and age where there is so much information out there. You need to be a great clinician. We're gonna teach you how to be a great business owner. And as long as you're comfortable realizing that you've got to learn that side of it, that's to me, like if you're a good producer and you're a good human, like go for it. There's dentistry is so fun owning and practice because the sky is the limit. And ultimately there is no cap on what you're able to do, what you're able to produce, how you're able to do it.   And I think that there are very few careers out there, very few job opportunities that really are the sky's limit. Now, remember how I told you about that dentist who bought their own practice. They're now doing like two fifty this year, whatever they're he was making five hundred thousand as an associate. And so this   Brian Hanks (10:06) Yeah. Hi Bart.   Kiera (10:08) is one where like people be like, Well, gosh, like, you know, he went from five hundred thousand and now he's at a two point, I think he's gonna end around two to two point four this year. But like he had a great associateship. And so I think   There is still this just like uncanny, unnatural desire that you want to just own, you want to build. And I think dentistry is also if I look at like banks, they lend to dental practices, like almost guaranteed, like they have a they're pretty lucrative with like just shelling money out to your dental practice. And I'm like, if banks are willing to back, you've got to also see that your dental practice, like you have the greatest opportunity of not failing.   of any business venture you're going to do. Why is private equity coming in strong? Because they know dental practices are almost bulletproof of an investment to have. So when I look at all those reasons, I agree with you, Brian. People don't feel like they're ready, but I'm like, you're never gonna feel ready. But you have so many things stacking in your favor to help you be successful.   Brian Hanks (11:03) At the beginning of that, I   I don't I don't want people to miss that. If they missed the wisdom that Kiera just shared at the beginning of that, as she said, yeah, you use parenting. I think you use business ownership as some advice. Like I I just want to repeat what you said because it's so important. Dentistry is not like, I don't know, Kiera, scuba diving, right? If you go get scuba certified, you like practice in the pool. And then they like make you, you know, they learn, you know, you you learn taking the regulator out of your mouth and putting it back in and all that. And I imagine like dentists think   ownership, like there's gonna be some course I can take that's gonna prepare me for ownership kinda like scuba certification. That's like you gotta help me come up with   Kiera (11:38) Yeah.   Brian Hanks (11:39) a better example, but it's not it's not true. It's like parenting,   Kiera (11:42) I got you.   Brian Hanks (11:42) it's like marriage. It's like I don't know, business ownership, whatever it is. Like the the thing that prepares you for it is just doing it. Just just   try it out.   Kiera (11:50) Mm-hmm.   Brian Hanks (11:50) Yep.   Kiera (11:51) Well, and I think Brian, to that point, like the analogy is I think people think business ownership is a skill that can be learned in a one, two, three step versus like marriage, relationships, child, like being parents, business ownership. It's an evolution of soul and it's a it's a creating of who you are. It is not a skill. Like there are skill points to it, like learning to read a p PL, learning how what profitability is.   But business ownership in and of itself, I had a friend she's like, Kiera, you have to have kids. Like it will strip you down to your core and it will like show things to you that you've never had. And I said, Have you ever been a business owner? Cause I'll tell you that I'm pretty confident. I've got a lot of that stripping over here that's like breaking me down to my utter like most. But I think we think business ownership and running a practice, I'm not here to say that there's not like tactical pieces and we've broken it down. Like our team actually just went through this something. I'm like, there's really like   10 things that you need as systems that are really gonna make or break it. And you gotta know a couple of like core foundations and you got to know your numbers. Like beyond that, that's kind of your checklist. But to your point of like scuba diving or cooking or whatever, it's not this like checklist skill that you're going to have. And so I think, like you said, you're gonna look for this course. But I'm like, the course is life, the course is doing it, the course is going through it. And I think you've got to have the confidence of are you confident in you that no matter what comes your way, you're gonna be able to figure it out. And if so, business ownership is there for you.   And I would give more confidence to you than you give yourself. I've watched a lot of students. I worked at Midwestern. To your point of those 10 students, there was probably like 50 of them. Sorry, Midwestern grads, I was not letting any of you touch my mouth. Like genuinely, you needed a few years to practice and I'm not your practicey. But like I think I think you're more equipped than you give yourself credit for. Just like you're more equipped for life than you give yourself credit for. And I think business ownership is the same.   Brian Hanks (13:31) So Kiera, let's break down some of those numbers. by the way, better   analogy for business ownership is like health. Do you remember the first time by the way? if you're listening to this, it's pretty obvious if you're watching, but if you're listening, Kiera's in a lot better shape than me. But if if Kiera, I don't know if you had this moment. I I did when I was like 21, 22, that I realized at the I was at the gym, I was like lifting some weights, and I realized, I'll never be done with this. Like you're never done with health. So I think business ownership is a lot like.   Kiera (13:59) I do remember my moment   of that. Mine was   Brian Hanks (14:01) Yeah.   Kiera (14:03) not at the gym, Brian. Mine was actually in Bali, like a little flex there. I remember because   Brian Hanks (14:07) There you go.   Kiera (14:07) I was like having a lot of like knee and hip pain. And I was like, okay, I just have to like work out and then eventually this is gonna get better. And I remember I was walking down to the pool overlooking the ocean. I was like, I'm never gonna be done. Like this is my forever. Like I'm not like I used to just work out to be like skinny and fit. And now I'm like, no, you gotta do this so you don't freaking hurt and you can actually walk and get out of bed. Like it's never gonna end. And   I   sat there and read a book, quite depressed. And then I was like, okay, like this is what it you're right. It's it's a constant evolution of soul. You're never done parenting, you're never done in a relationship. Like you don't hit this, like, check the box, we've got a golden thing. It is a forever perpetual. But I also think that that's what drives dentists to go into that because they are of this obsession of wanting to be the best of the best. You want to get a better prep. You want to get a better crown crop. You go to CE, you're CE junkies out there. Like, this is just another level of obsession.   Of a space that's going to evolve you as a human and it's gonna allow you to grow. So yeah, thanks. That was that was a great that was a great analogy, Brian. Good good call on that one.   Brian Hanks (15:02) Yeah. Yeah, the the   the negative of the health analogy is that you're never done, but the positive is you can break it down. Like you can learn how to do certain lifts a little better. You can learn how to macro track. You can learn diet and exercise.   Kiera (15:14) So you're right, Brian. Like that was a solid call out on the health analogy. Like this is what people are obsessed about, but they want to have that evolution of soul. They want to like I think that that's why dentists are drawn to ownership, but I think they're just afraid. But I'm like, we're also afraid to work out. We're afraid to have kids. We're afraid like, so don't let fear hold you back. I think it's just a like, I don't know. It doesn't be like Nike, just do it, guys. Like that sounds like terrible business advice on my side.   Brian Hanks (15:37) Well just do it and but remember   remember how good you weren't at at all the clinical stuff that you're really   Kiera (15:44) Mm-hmm.   Brian Hanks (15:44) good at now, right? So dentists, the the superpower that most dentists have is that attention to detail, like the obsession over the details and and the the minutiae. And and as a patient, like I gotta go to filling next week, and as a patient, I want my sister thinking about all of the all of the little details, right? and   Kiera (16:04) Mm-hmm.   Brian Hanks (16:04) that superpower is real.   And I want the density like lean into it. If you're listening to this and that evolution of soul that that Kiera's talking about, part of that evolution for you is just remembering that that superpower that you have comes like there's another side to that coin. It comes with a downside. And the downside is the overthinking when you're not.   You know you're not that good at a thing. And if you know you're not that good at finding a dental practice to buy, analyzing a dental practice to buy, actually buying that practice, applying for a loan, like talking to lawyers, all those things, your brain is gonna start to spin a little bit. And j but but but here's the good news: your brain spun a thousand times already. Remember that first time they opened up the little mannequin to like practice, like prepping a crown or something, and you were like, How do I even do this? Right.   Kiera (16:49) Dexter, their little type   it on.   Brian Hanks (16:51) Yeah, like seriously, like you figure this out. You like and if the dentists that I deal with they're the smartest people on the planet, they're awesome. And and so if you can figure that stuff out,   Kiera (17:02) Mm-hmm.   Brian Hanks (17:02) my gosh, like first of all, hire somebody else like you to just be amazing for you in all the areas that you aren't amazing, and just remember that it doesn't this isn't rocket science. yeah, so you can figure this stuff out.   Kiera (17:14) Mm-hmm.   Brian Hanks (17:14) But okay, so speaking of minutia, speaking of details, I gave you the hundred and fifty one thousand dollar number.   Okay, here I did some math. I'm an accountant. I I know I know spreadsheets.   Kiera (17:22) Yeah.   Brian Hanks (17:24) I know how to do like compound interest and some those things. Here's what I did is I just is I said, what's the cost? Okay, if dentists aren't feeling ready, they want to feel like they have their student loans under control, which is smart, right? I'm a financial planner. Yeah, don't get yourself over your skis in debt. That's great. But like, how much is it gonna cost if you're the statistic?   Right. And the statistic is you're you, listener, right now, if you're not a practice owner, are waiting five years longer to own a practice. How much does that five years cost you? Right. And if you do the math, and I did the math at like a 38-year-old dentist versus a 33-year-old dentist. And I assumed that they actually retired at age, both retired at age 60. Okay. So like different lengths of associate part of your career and owner part of your career.   with compound interest, assuming 7% and some of those other variables that I put in there, it was a $1.14 million difference between those two numbers. So don't forget that while you're busy like taking care of your student loans so you can feel ready to buy a practice, it's costing you an enormous amount of money. And Kiera, I would just add, and I'm curious if you can think of any others, I would say the compound.   the compound effect that I'm talking about is not just money, although money is a big part of it. I think the compound effect applies to other things. Like how many more times and at bats would you have for treatment planning, for managing that difficult assistant, teaching someone how to answer the phones better, hiring, firing. Like there's a compound effect on all of those behavioral things too and and it's gonna cost you some money. So any thoughts on that?   Kiera (19:04) Mm-hmm.   Yeah, I think it's a I I was fascinated. I'm so glad that you went into the 1.1 because we had talked about that pre-show and I was just very fascinated of like, my gosh, like that's so much for people. That's so many things. Like there's a financial dollar amount, which I love because I think dentists really do. Like that's an easy one for me to be like, gosh, like me delaying this decision can cost me that much. But I think like there's also you still have to go through the   growth of learning to run a business. So not only is there a financial delay, but there's also the growth of you getting good at running a business and having it profitable and being able to make this thing run longer. And then you have more opportunities like I think about yourself. And the longer you're able to build this practice and like maybe do multiple like there's to me that's like such a it's fascinating. And I think I think the the call to today is there are some people that definitely are meant to be owners and there's some that aren't.   but I think if you have that itch, that scratch, I would really ask yourself, like, what truly are you waiting for? And when are you going to know that you're actually ready? Like you're never going to feel ready to have a child. You're like, I need to get these ducks in a row. Well, those ducks get in a row and then you got seven more ducks that come behind that you're like, I need get those in a row. So to me it'd be if I'm really wanting to buy a practice, what things do I need to have? Cl schedule a call with Brian. Like, I think Brian, this is why we put you on the podcast. I think you're fantastic. You don't put people into weird zones. you're very much like   If that dentist is producing and you don't do those skills and you don't do those type of procedures, don't buy that practice. Like you're not, you're gonna be broke. You're very, very pro making sure people feel confident and that they're able to buy it. And I think it's like buying a home. I remember when I first like went and talked to somebody about buying a home, I had no freaking clue and I wish I would have known more. But like until you start having the conversations, I think it can feel more daunting than it actually is. Then from there, like listen to the podcast, start listening to there's our podcast, there's other podcasts out there, start reading up on how to buy a practice.   But I think to me, there is like two parts to it. One is finding the right practice. Like what you buy, and I say like eyes wide open when you're looking in, and then rosy glasses as soon as you sign on that dotted line, and you're gonna see a lot and you're just gonna deal with it. From there, make sure you got somebody really solid in your corner. Like our practices, as soon as they buy, we take them on. I try to get them two to three months before they close. I wanna make sure we're getting things in. If you don't close on time or things happen, no problem. We're gonna pause you, get your practice in place. Like it's happened twice in hundreds of offices we've helped.   But then, like from there, just have somebody in your corner, somebody who's gonna help you grow in your first year. Most practices are seeing like a 10 to 30% increase in their first year. So if I'm buying a one million dollar practice, that's a hundred to three hundred thousand dollar uptick just by having somebody in the corner. That's very conservative. A million dollar practice, like we are usually growing those exponentially. But like you don't have to stress and freak out. Hey, I'm pinned.   Brian Hanks (21:45) Yep. By the way, I I d pin put a pin, put a pin, Kiera. You you gotta you gotta underline that. Yeah.   That's like underline that, underline it. Like keep going, keep going. I I'm throwing you off. I'm interrupting you, but like I will tell you the   Kiera (21:59) Yeah.   Brian Hanks (21:59) average buyer I talk to on the phone is so scared of patient attrition. They're like, Kiera, like   I'm gonna have 10%, 20%. What if 50% of the patients don't show up? Listen, that's a real fear. By the way, I want you to have that   Kiera (22:10) Right. Mm-hmm.   Brian Hanks (22:12) fear when you're like doing the margin on my crown, right? Like again, it's your superpower dentist,   Kiera (22:16) Mm-hmm.   Brian Hanks (22:17) but like my stats show exactly the same thing, Kiera is saying I have data to support what Kiera is saying that the average   Kiera (22:22) Mm-hmm.   Brian Hanks (22:24) dentist doesn't they have a negative attrition, which is just two negatives, right? So it's a positive. They the average buyer has more enthusiasm, they've got some more energy, they're gonna update the website, they're gonna maybe get rid of.   That one employee that everybody kind of knew probably s needed to go. And suddenly the practice is just gonna it's gonna take off. Ten to thirty percent. That's yeah, right in line with what I'm seeing. That's awesome. So sorry, I I'm interrupting you, keep going.   Kiera (22:47) Mm-hmm. And I think, no, y you are always this is a conversation. It's not like a dictation. So we're like this is real life rift here. I just think people like when you look at it, I think you're more capable than you think you are. I know that you can get the skills, you can figure it out. Like you said, I'm always like, okay, play the what ifs, lose 50% of your patients. Great. Well, we're gonna take those 50%. And there's ways you can actually grow a practice without even needing to have more new patients.   So   we're gonna maximize all those, we're gonna optimize them. You're going to pull in more people. Like it is one of those things that I'm like, I have yet to have a practice go bankrupt. So knock on wood, like you can be my first challenge accepted. Like I feel very confident that I'm not like, unless you completely botch it and you go into malpractice, like we're probably gonna be just fine. So odds of it happening, so minimal. Are you gonna be a little stressed out? Yeah. Like, welcome to business ownership, but you're also looking for growth, and that's why you're being called to this moment. Like   It will not go away. That itch will not go away until you scratch it. And scratching it, and I love that you said like they're waiting five years and that's a $1.1 million minimum. There's so many other pieces to it. So I think I think a lot of dentists like to have facts. I think a lot of dentists like to have that decision make logical sense. And then we back it up with emotional reasons. And I think it's a wise way to make decisions. But I I would just say if you're even remotely curious, like start going down the path. I know when I was going to buy a house.   I needed to go find out, like, I don't know about lenders, I didn't know about interest rates. I did and until you get into it, just like you wanted to be a dentist, but until you got into it and you started working on that type it on and you learned about dropping the box and like waxing it up and working on Dexter and then taking x-rays, like you didn't know it. And I think most of the time the fear comes from the lack of knowing. I will also say, and I've seen this a lot, Brian, a lot of dentists feel like because I'm a doctor and I'm a dentist, if I buy a practice, I should know how to run a practice. And   Brian Hanks (24:38) And   Kiera (24:38) I just want to like   Scratch that out. I want to tell you that that's not true. But I know a lot of you come in feeling like but Kiera, I'm a dentist, or Brad, I'm a dentist, like I'm a doctor, like people expect me to know this. And I want to say you think people expect you to know that, but the reality is you don't. You just need to be scrappy enough to figure it out. No one's expecting you to know anything. Honestly, you probably know way more than you think you do already. But I I want to just cut that because I know a lot of you have perfectionism like fear of being exposed that you're not that great.   Except that you don't know how to run a business just like you didn't know how to prep a crown, but you learned that and you're gonna learn how to do a business and you're gonna do it exponentially well because you are so detail oriented and you're gonna hire a great team around you, hire great coaches around you that you're literally like it's impossible for you to fail. And so I think Brian, like kudos on it, kudos on the stats, any other thoughts that you have around people and like how do they get to the nitty-gritty of actually going through   Brian Hanks (25:26) Let's get some yeah. I'll hit I'll hit you with more stats. Yeah.   Kiera (25:31) that.   Brian Hanks (25:32) Some more facts for dentists. You and you mentioned the failure rate. What is the actual failure rate in dentistry? It's it's 0.14% of dentists go bankrupt. Okay. And it's always, always, always one   Kiera (25:43) Incredible.   Brian Hanks (25:43) of three things. It's drugs, divorce, and then jail. You know, some kind of felony that doesn't have anything to do with practice. so you stay away from those   Kiera (25:51) Yep.   Brian Hanks (25:52) three things and you're guaranteed not to go bankrupt.   And it so what do dentists actually need to buy practice? We've done a good job of pumping people up, given the rah-rah speech. What do you actually need? You need five things, okay? and I almost guarantee you, unless you're in dental school right now, listening to this, you have the five right now. All right. almost guaranteed. and I'll go from hardest to easiest, Kiera. Okay. Hardest for people to get is you need 50k   Kiera (26:18) Okay.   Brian Hanks (26:19) cash. You need some cash. 50k is your magic number.   Has to be liquid. It's gotta be in a checking   Kiera (26:24) Mm-hmm.   Brian Hanks (26:24) savings money market account. Can't be in an IRA or home equity or something like that. but you need that money to show the bank that you're responsible. And by the way, you don't actually hand that money over to the bank. You keep it. Yeah, the bank just wants to see that you have some money to see that you're responsible.   Kiera (26:39) Mm.   Brian Hanks (26:40) And if you know COVID shuts us down again, can you still pay the bank the bank back a few months? All right. So most people have that.   Kiera (26:46) Mm-hmm, mm-hmm.   Brian Hanks (26:47) They've got fifty K or access to fifty K. That's like a side thing we could talk about.   Kiera (26:51) Totally.   Brian Hanks (26:52) Yep.   Kiera (26:52) Mm-hmm.   Brian Hanks (26:53) you need production history. You got to be able to do about 80% of the production of what a seller could do. So million-dollar GP practice, let's say 250 of that Kiera is hygiene, means the doctor was doing 750k a year in production. that means you as an associate need to do about 600   a year   Kiera (27:12) Mm-hmm.   Brian Hanks (27:12) to buy a million-dollar practice. Okay. Most associates listening, you know, public health, military, there are some special exceptions where we need to learn how to count.   procedures and things   Kiera (27:22) Mm-hmm.   Brian Hanks (27:23) like that. But most associates, they can do 600 to buy a million dollar practice. Okay, the 80%. most dentists don't have any problem with numbers threes and four, number three and four. Number three is you got to have a credit score over 680. It's pretty low. And it's a green light, red light. 681 credit score gets you the same interest rate as an 820. And and then you need a clean credit history is number four. And so no bankruptcies, no short sales, or a really good story.   Behind a bankruptcy or short sale. And then you need one year of experience out of dental school or a residency program. GPR, AEGD, specialty program, whatever it is. If you're in a residency program, you could buy a practice the day you get out of your residency. So that's it. And so technically, Kiera, you need number six. Number six is you need a practice to buy. And I'll be I'll be really blunt with people, that's the   Kiera (28:17) Mm-hmm.   Brian Hanks (28:17) hardest step.   Finding a good practice to buy is the hardest thing because everybody   Kiera (28:21) I agree.   Brian Hanks (28:22) wants to look for the practice in their pajamas. They think it's like buying a house. Like I'm gonna go on the MLS and I'm gonna look   Kiera (28:28) Mm-hmm.   Brian Hanks (28:28) for a dental practice. There is no such thing as the DLS, there's no dental listing service. And so if you're in your pajamas looking for a practice to buy, it's   Kiera (28:34) Mm-hmm.   Brian Hanks (28:36) not there. Sometimes it is, which is why people do it, but it's almost certainly not there, especially in the city you want to live right now. and so we'll have a podcast episode about how to   Find a practice well. But the sh here's the short version is you go talk to dentists. Build a network of dentists that know like and trust you. That's the   Six things and and most associates have And so attitude, like don't let us stop you, don't be scared. Like we did the like pump you up version of the speech. And here's the facts to back that up, is it's not actually that hard. Like with those six things, banks will not only give you a hundred percent of the purchase price, they'll give you a hundred percent of the purchase price, and then they'll hand you another seventy-five K in cash just to make sure you don't run out of money on the first day. Sometimes it's a hundred K. I've seen d banks give two hundred thousand dollars in cash.   Kiera (29:21) Mm-hmm.   Brian Hanks (29:21) before they even walk through the doors with you know the key in hand as an owner. So it's awesome. If if you're thinking about ownership and nine out of ten dentists are at some point in their career, it's it's really not it's not it's simple. It's not necessarily easy, but it's simple.   Kiera (29:41) Yeah. And Brian, even on the I've been talking to the Bank of America guys, and they were like, we even give like thirty to forty thousand to a new startup practice for consulting fees in addition to our working capital because   Brian Hanks (29:52) Yeah.   Kiera (29:53) we know that it's also going to help grow them. So there's so many pieces, and I think you've just listed off like really, I agree, like finding the practice and like sending out the postcards, getting to know the network, finding the dentist, like the practice that actually works for you, finding a seller that wants to sell for the price that you want.   I agree with you 100%. That is the hardest part. But I think Brian, you did an incredible job of breaking this down from the like, okay, you're probably gonna do it. Nine out of ten is do buy that. What are the exact steps that I need to take for this? And then I agree with you. Like, absolutely a follow-up podcast on like how to actually find a practice. But Brian, I'm curious if people are interested, like they want to start connecting and like this is what you do. And I know you guys are really generous with your time. How do people connect in with you to like even start the process? Like, again, I feel like curiosity.   Is the best place to be. Like let's just ask the questions. Let's figure it out. So Brian, how do people get connected in with you?   Brian Hanks (30:41) Pop over to Amazon, type in How To Buy A Dental Practice. That's the book. if you want, by the way, if you want a cheaper copy, you can go to the website. The website is DentalBuyerAdvocates.com. I'm happy to ship it to you like as a publisher copy, no strings attached. but yeah, just pop over to Amazon, DentalBuyerAdvocates.com. Care if people want to email me directly. I always offer this. And it's so fascinating to me how few people actually take me up on it. I would be more than happy to have a half an hour conversation with whoever you are, free of charge.   Send me an email, Brian@BrianHanks.com. It's B-R-I-A-N and Hanks like Tom Hanks. So yeah, that's how you get a hold of me.   Kiera (31:20) Amazing.   Well, Brian, thank you for breaking this down and for all of you listening. I hope that today was just a really insightful podcast for you. I hope it gave you the facts to back it up. I hope it gave you the emotional piece. I hope it gave you kind of the like step by step by step of how to get there. I'm so grateful for Brian being here. Everybody connect in with him. And for all of you listening, thank you for listening and I'll catch you next time on the Dental A Team Podcast.  

The move is over. The boxes are unpacked. The house is (mostly) functional. You've officially arrived.  So why doesn't it feel like home yet? In this episode of the PCS Survival Series, we're talking about starting over in a new place... and why this part of the process often feels harder than expected. Because settling in is about more than just getting things unpacked. It's about rebuilding your routines, finding your places and people, and creating a life that feels like yours again.  In this episode, we talk about: Why it takes longer than you think to feel settled What's actually happening in the “in-between” after a move How to lower the pressure to have everything figured out Why routines and familiarity matter more than you realize And why you're not starting over from scratch Better Together, Christine Resources Start here: Free Clarity Workshop Stay connected: Join The Free Community The real-time version of navigating life as a milspouse: Instagram Work with me 1:1: Let's Work Together Support the show: If this episode meant something to you, leaving a review helps more military spouses find it

WATCH ▶️ ⁠Watch this episode on YouTube⁠ ***   EPISODE DESCRIPTION In this episode, I'm joined by Aldo Heberlein.   Aldo is a mortgage broker and the Founder of Enmortgage from Vancouver, BC, who became a broker in 2020, and has steadily increased his yearly volume from $5M in 2021, to $35M in 2025, and is on pace for $40M in 2026.   Originally from Mexico, Aldo made his way to Vancouver a decade ago after living in Norway with his wife for 6 years. After his digital marketing business collapsed overnight when Facebook changed its policies, Aldo decided to pivot strategically into mortgages   Starting with zero connections in Vancouver, Aldo built his client base by leveraging LinkedIn to connect with Spanish-speaking professionals navigating Vancouver's complex market. By specifically targeting the underserved Latino immigrant community, Aldo built loyal referral networks and sustainable growth rather than competing in saturated markets.   After finding success on a routinely over-looked platform among brokers, Aldo offers to setup Realtors with their own automated LinkedIn reach-outs and email campaigns for their own businesses, creating tangible value add for all of his potential referral partners.   While other brokers are always trying to speed things up, Aldo's approach to clients centres on slowing down, focusing on client education. On his 30 to 90 minute discovery calls, Aldo will underwrite the deal in real time, screen sharing spreadsheets and providing personalized analysis of each situation, building trust from the first meeting.   Aldo is here to discuss:   → His journey so far in the mortgage industry, his volume so far, and his future business plans.   → What makes LinkedIn a unique platform that more brokers should be taking advantage of and how he leverages it to prospect his avatar clients and referral partners.   → The process behind his stealth mode value add of running Realtor's LinkedIn prospecting & email drip campaigns.   → His mindset behind doing longer initial discovery calls with clients, why he underwrites during them, and building client trust through education.   → How he overcame common industry traps like chasing bad files and dealing with bad referral partners.   → How omnipresence protects your business and where he gets his leads today. ***  

Laura Fordham's (Financial Adviser at Titan Wealth) route into financial planning wasn't planned. She spent her first year handling the job entirely alone, while her client bank was still small. She lays out exactly what that year looked like in conversation with Sam Oakes this weekLaura Fordham's route into financial planning wasn't planned. She started out on maternity cover in an admin role at Barclays Wealth, and it was proximity to the financial planning job , printing client packs and greeting people in the office, that first got her curious about the profession. From there she trained through the St. James's Place Academy, deliberately choosing to stay client-facing rather than build a partner practice of her own, and later moved into an independent firm,  before they were eventually acquired by  Titan Wealth.Laura is candid about how tough the early years actually were. Building a client bank from scratch inside a heavily regulated industry took what she describes as an "eat what you kill" mentality: real drive, real setbacks and small wins that made the whole thing worth it. She's just as direct about what came later: leaving St. James's Place for independence, learning how to build professional connections with accountants and solicitors without ever resorting to a hard sell, and the responsibility of inheriting clients through acquisition who never chose her as their adviser in the first place.The conversation closes on a wider industry issue. Only around 16% of financial planners are women, and Laura shares her own view on why more women should consider the career, along with what she's doing within her own client base to encourage more engagement from  the female clients in the couples that she looks after.Key takeaways from this episode:How an admin role at Barclays Wealth led Laura into financial planning, almost by chanceWhat building a client bank from nothing demandsWhy Laura chose to stay client-facing rather than build her own businessHow to build professional referral connections without a hard sellWhat it takes to win over clients who arrive through acquisition rather than their choiceOnly around 16% of financial planners are women and what Laura believes needs to changeLearn more about Titan Wealth at www.titanwealth.com.Financial Planner Life is sponsored by Redmill AdvanceWhether you're starting out, already qualified, or building a training academy, Redmill Advance delivers expert-led learning, exam support and CPD from Level 4 to Chartered.✅ Trusted by top UK firms

This episode hit close to home for me because Jaime Rodriguez and I are basically living the same double life, and I loved getting to compare notes.Jaime is the CEO of Bookkeepers.com (you probably know them as Bookkeeper Launch), and his story is wild. He went to school for accounting chasing that "safe job" American dream, hated the corporate grind so much he Googled how to start a bookkeeping business, bought the very course he now owns, and burned the boats to go all in. Fast forward through a few years of coaching, re-recording lessons, and becoming the face of the brand, and in 2025 he actually bought the company.In this episode you'll hear:How Jaime went from burned-out corporate accountant to owning the very course that got him startedWhy SOPs are what let you run a firm on 30 minutes a monthThe real talk on running two businesses at onceThe costly mistake of taking on every client in every industry before you have processesWhy you have to learn your debits and credits before you touch automationThe one question that protects your time every time a new prospect comes knockingResources mentioned in this episode:Join the Digital Bookkeeper Association for $9/mo: https://dba.bookkeepers.app/Bookkeepers.com: https://bookkeepers.com/$1000 Off any version of Bookkeeper Launch when you use promo code AUGUSTBUS26: https://sk293.isrefer.com/go/BLFS/SS64/Meet JaimeJaime Rodriguez is the owner and CEO of Bookkeepers.com, but his journey started as a student looking for a better path. After building his own successful bookkeeping business, he went on to acquire the company that first taught him the skill. Today, he helps entrepreneurs realize they're capable of more than they think; not just financially, but in how they live and work. He's the author of Beyond the Numbers and You're Not for Everyone (That's the Point), both focused on building a business that actually fulfills you.Connect with Jaime

Dr. Josh Packard joins John and Matt to discuss Sacred Listening; a tool that can help your congregation develop deeper relationships and community. Dr. Packard's background in Sociology and his personal faith combine in this set of practical tools and stories. Resources Future of Faith (website) Dr. Packard's website Tricks of the Trade: How to Think about Your Research While You're Doing It by Howard Becker (book) Learning to Speak God from Scratch by Jonathan Merritt (book) Humble Inquiry: The Gentle Art of Asking Instead of Telling by Edgar Schein (book)

Pain is frequently a component of behavior cases and not often discussed from a behavior consultant's viewpoint. But pain is not strictly a medical concern and the behavior field at large needs to know how to approach it from our skillset. Scratch the surface on this meaty topic with Sarah as she dives into pain as an individual experience and explores it through the biopsychosocial model. www.physio-pedia.com/Biopsychosocial_Model www.zoffness.com/ Sign up for courses and join the membership here: sarahstremming.com Join us on Patreon: www.patreon.com/cogdogradio Music by AlexGrohl from Pixabay

Meta lost an appeal to drop thousands of social media addiction lawsuits. A partial solar eclipse will be visible in 12 states. A Maryland man felt compelled to buy a scratch off and won $100,000.See omnystudio.com/listener for privacy information.

Container sind überall. In der Cloud, auf deinem Laptop, im Home Lab und ziemlich sicher auch in Systemen, die du täglich benutzt. Aber wie viel Isolation steckt wirklich in einem Container? Wann reicht ein klassischer Docker-Container, wann brauchst du eine VM und warum tauchen plötzlich Begriffe wie Micro-VMs, Firecracker, RunC oder GVisor überall auf? Genau an dieser Stelle wird es spannend, denn hinter dem scheinbar einfachen docker run wartet ein erstaunlich tiefes Rabbit Hole.In dieser Episode sprechen wir mit Sébastien Pahl, Co-Founder der Firma hinter Docker und heute bei Cloudflare wieder tief im Container-Umfeld unterwegs. Gemeinsam zerlegen wir das Container-Ökosystem von unten nach oben. Wir klären, was Namespaces und C-Groups im Linux-Kernel eigentlich machen, wie sich Container, virtuelle Maschinen und Micro-VMs unterscheiden, welche Rolle LXC, OverlayFS, Systemd und RunC spielen und warum Docker der Container-Welt zum Durchbruch verholfen hat. Außerdem schauen wir auf Multi-Tenancy, Security, Kernel-Isolation, Hypervisor-Grenzen und die Frage, warum Bootzeit und Memory-Footprint für moderne Container-Plattformen so entscheidend sind.Besonders spannend wird es beim Blick in die Praxis. Wir sprechen darüber, wie ein maßgeschneidertes Init-System in Rust entsteht, wie AI beim Systems Engineering und beim Schreiben von Tests hilft und warum sich damit Produktionssysteme in wenigen hundert Millisekunden booten lassen. Wenn du Container, Docker, Micro-VMs und Linux-Isolation endlich wirklich verstehen willst, ist diese Folge dein Deep Dive.Bonus: Selbstfahrende Autos, Mars-Fantasien und Advent of Code schaffen es auch noch in die Episode.Unsere aktuellen Werbepartner findest du auf https://engineeringkiosk.dev/partnersDas schnelle Feedback zur Episode:

In this episode, Stewart Alsop sits down with Mark Quadros, founder of GrowthOG and former link-building agency owner, for a wide-ranging conversation covering the state of Facebook ads and paid marketing, the decline of traditional SEO and backlink building in the age of AI, how Google and Cloudflare are jockeying for position as AI search reshapes the internet, and the messy economics of AI-generated video versus real footage (including Mark's work with Google Omni and Epidemic Sounds). They also get into monetization shifts across YouTube, Substack, and TikTok, the "reality disturbance" thesis behind Stewart's show with his father, and where video content and AI video ads are headed next. Find Mark Quadros on X @dherealmark and at his website, markxquadros.com.Timestamps00:00 Stewart welcomes Mark Quadros, discussing his shift from link building to GrowthOG and diving into Facebook ads and paid marketing.05:00 They explore AI psychosis and how AI-driven discovery is replacing traditional Google search behavior.10:00 Talk turns to bloated b2b ad budgets and why large companies struggle to adapt efficiently to AI.15:00 Mark shares his Bitcoin background, the "every company becomes a bank" theory, and his agency's slow decline.20:00 Deep dive into AEO, llms.txt, Cloudflare, and concerns over AI companies scraping the open internet.25:00 Conversation shifts to video, FFmpeg, open-source tools, and Mark's years living in Thailand.30:00 Mark recounts YouTube demonetization of AI content and pivoting back toward b2b clients.35:00 They unpack ghostwriting, ethical writing tensions, and how backlink value was really priced.40:00 Discussion of Google and YouTube killing old SEO playbooks, tied to shifting interest rates.45:00 Mark details pricing AI video ads, working with Google Omni and Epidemic Sounds, blending real footage with AI.50:00 Closing thoughts on the "reality disturbance" thesis and the value of human connection over AI.Key InsightsLink building is dying but not dead. Mark's SEO agency business peaked around 2022 working with brands like monday.com and HubSpot, but AI has steadily eroded the value of backlinks. There's still budget for links, just far less than during the gold rush years of 2018-2022.Big companies waste money because they can't track it. B2B companies spending $2-500M+ a year in revenue often can't account for where ad and vendor spend actually goes. Once a budget exists, it gets allocated regardless of efficiency, especially in large organizations too bureaucratic to figure out AI.AI is changing product discovery itself. Instead of searching Google and choosing from options, people now get AI recommendations directly, shifting the entire model of how consumers find products, which threatens the search-and-link economy that powered SEO for two decades.The open internet may be closing. Concerns about Anthropic, OpenAI, and China scraping content freely, including old books, have pushed creators like Stewart to restrict access to older podcast episodes. This marks a cultural shift away from the openness that defined the early internet era.AEO and llms.txt are the new frontier, and nobody fully understands them yet. Much like early SEO in 2001, there's a new discipline forming around how AI agents discover and read content, but no established playbook exists, leaving even experienced marketers uncertain.AI-generated video is a high-effort, low-margin trap. Mark found that fully AI-generated ads were nearly unprofitable given the time needed to get results right, while blending real human footage with AI-altered environments (using tools like Google Omni) produced better, faster, more believable results.YouTube's AI demonetization wave hit creators hard. As AI-generated content flooded YouTube, the platform cracked down broadly, devastating even legitimate animators and renderers. This pushed Mark to pivot away from consumer video tools back toward serving his existing B2B client base.

Cuts to Agriculture and Agri-Food Canada (AAFC) research facilities are raising significant concerns across Western Canada regarding lost long-term research capacity and agricultural innovation. While a recent Memorandum of Understanding (MOU) between the Saskatchewan government and the federal government offered hope for stations in Scott and Indian Head, uncertainty remains for staff and ongoing field... Read More

In this episode Martin Couzins and Dr Nigel Paine discuss proactive vs reactive organisations. The discussion was prompted by a recent post by Martin on LinkedIn. We discuss topics including . . .The risks of being a reactive organisationChange now happens so quickly that, by the time an organisation responds to a challenge or copies a competitor, circumstances may already have moved on.The importance of data and foresightStrong organisations actively manage and interpret data, notice emerging trends and weak signals, and use these insights to anticipate change rather than wait for a crisis. Thanks to Teresa Rose for making this point.Employee knowledge as the “organisational brain”Employees closest to the work hold valuable expertise, ideas and experience—including insights about AI and process improvements. Proactive organisations create the psychological safety and channels needed to share this knowledge; reactive ones trap it in functional silos.Why continuous adaptation is essentialCustomer demands, technology and employee expectations are constantly evolving. Organisations therefore need curiosity, integrated systems thinking and a willingness to experiment—not rigid procedures designed to preserve the status quo.

After 30 years inside William Harris is starting over in a city where he knows no one. Host Eldra Jackson III sits down with the longtime Inside Circle member, part of the group since its first Tuesday in the New Folsom chapel, to talk about the identity crisis that shaped his path to prison, the mentor who helped turn him around, and why he chose Oakland over going home to Sacramento. William opens up about masking pain with alcohol, chasing belonging through gang life, and the slow work of becoming a man he actually likes. He also shares what freedom feels like two months in, paying his first bill, riding a packed bus, learning to sit with discomfort instead of running from it.   More at insidecircle.org/podcast

It's no secret that we're big fans of everything Eggman on this show, but any great leader requires a loyal number two (or three, or four, or five) at his side, and we all know the doctor does his best work when he's got a couple of loyal(-ish) minions to play off of. So today we're joined by Paddy of the Sonic Shorts as we look back at the history of the good doctor's sidekicks and rank them to see which toady takes the top tier. From Badniks to backstabbers, cronies to confidants, doppelgängers to dumbbots to daughters, over 20 of Robotnik's right hands are run through the wringer as we settle on the S-tier stooges once and for all. (0:00:00) Intro/Paddy's history with Sonic (0:03:44) Main topic: Ranking of sidekicks and henchbots (0:07:42) Metal Sonic (0:10:52) Grimer (0:16:51) Scratch and Grounder (0:22:03) Coconuts (0:26:20) Crabmeat (0:30:13) Cluck (0:34:42) Snively (0:45:30) Eggor (0:51:15) Commander Brutus (0:57:16) Front and Center (1:03:02) Sleet and Dingo (1:10:35) Decoe and Bocoe (1:20:09) Bokkun (1:29:03) Mecha "M" Robotnik (1:35:34) SA-55 (1:41:54) Orbot and Cubot (1:55:22) Infinite (2:05:30) Dr. Starline (2:17:34) Agent Stone (2:24:13) Sage (2:38:05) Rearrangement and honorable mentions (2:47:03) Outro Amie Waters on Linktree ⁨Paddy_RL⁩ on YouTube

Real estate investing is a team sport. You can buy great rental properties in great neighborhoods and still fail—all because you don't have the right people around you. Today, we're showing you exactly how to build your real estate investing team from scratch. This is important for any investor, whether you're buying in your own backyard or out-of-state, but it's even more crucial when building a rental portfolio from hundreds or thousands of miles away. Every successful real estate business has at least four key players: an investor-friendly agent, a lender, a good contractor, and a property manager. And the truth is some of these people are much harder to find (and keep) than others. We'll walk you through each role, their key responsibilities, and the exact steps for finding and vetting them. But there's also a “secret” fifth member every investor should have in their corner. They'll not only help you avoid silly mistakes but also make finding real estate deals, scaling your real estate portfolio, and achieving your investing goals that much easier! In This Episode We Cover The “core four” people every real estate investor needs on their team The secret (but crucial) fifth player you should have in your corner Three ways to find an investor-friendly agent in your market What to prioritize when vetting potential team members How to find great contractors (and keep them on board!) Why a high-quality property management company is so difficult to find And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠⁠t⁠t⁠ps://www⁠.biggerpockets.com/blog/real-estate-1313. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hunter Schotts started building his real estate portfolio in Michigan, where he grew up, and in just three years he has grown it to eight units, all before turning twenty six. In this episode, Hunter shares how he built a homegrown portfolio from the ground up, the systems and teams he put in place to support it, and how he is now managing everything remotely after relocating to Colorado, with the help of family back home keeping things running smoothly.   We talk about his mindset around pursuing financial freedom while staying grounded in being a good person and genuinely loving the work, his future plans to expand into construction and development, and how joining the Wealth Juice Inner Circle helped push him to keep growing, including launching his own social media platform to document his journey. This is a story about building something real, staying disciplined at a young age, and creating a life around real estate on your own terms.   Go check out Hunter's journey on instagram @Hunterholdshouses Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wjpodcast/ Book your mentorship discovery call with Cory RESOURCESGet business funding - revenued.com/juice

What if the very thing that made you a great lawyer is the thing preventing you from building a great firm? On this special mashup episode of The Game Changing Attorney Podcast, Michael Mogill sits down with Justin Chopin of Chopin Law Firm, Alex Limontes of Hurst Limontes LLC, Lawrence LeBrocq of Garces, Grabler & LeBrocq, and Charlyn Ho of Rikka Law Group. Together, they share how they stopped trading time for dollars and built scalable, multimillion-dollar firms on their own terms. From ego checks and data-driven marketing to AI adoption and community-first branding, these law firm owners reveal the mindset shifts and systems that set them apart. Here's what you'll learn: Why removing yourself from day-to-day operations is the fastest path to firm growth How data-driven marketing and strategic community activation outperform gut-feeling ad spend What proactive AI adoption looks like (and why firms that ignore it risk extinction) (00:00:00) Introduction (00:02:44) Justin Chopin: Betting on Yourself and Building a Firm from Scratch (00:09:38) Growing Through Leadership, Hiring, and Team Culture (00:18:45) Leading Through Crisis and Investing in Your People (00:29:42) Alex Lamontes: Building a Mission-Driven Brand (00:42:10) Scaling with Data, Partnerships, and Community Impact (00:56:31) Lawrence LeBrock: From Trial Lawyer to CEO (01:07:35) Creating a High-Performance Culture Through Accountability (01:13:26) Embracing AI and Leading Organizational Change (01:20:36) Charlyn Ho: Building an AI-First Law Firm (01:35:26) The Future of Legal Innovation and Entrepreneurship (01:45:44) Final Thoughts and Takeaways ---- Links & Resources: Justin Chopin, Chopin Law Firm Alex Limontes, Hurst Limontes LLC Lawrence LeBrocq, Garces, Grabler & LeBrocq Charlyn Ho, Rikka Law Group ---- Learn what sustainable growth can look like for your firm at crispcoach.com. ---- Do you love this podcast and want to see more game changing content? Subscribe to our YouTube channel. ---- Past guests on The Game Changing Attorney Podcast include David Goggins, John Morgan, Alex Hormozi, Randi McGinn, Kim Scott, Chris Voss, Kevin O'Leary, Laura Wasser, John Maxwell, Mark Lanier, Robert Greene, and many more. ---- If you enjoyed this episode, you may also like: 477. Mike Brown - The Nitty Gritty of AI 431. Rory Baden - Branding Secrets Your Firm Needs to Scale 451. Firm of the Year Winners - Growth Secrets From the Best of the Best

-Matt Rhule mentioned at Big Ten Media Days that when Nebraska's o-line was able to move the ball up front, good things happened;when they didn't, bad things happened. That's obviously football in a nutshell-Holgorsen is at his best with a good running game and when the o-line can protect the QB well---which is the case for most OCs, to befair---but is Nebraska in a place to help him succeed this season?Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

What if your most valuable content is already sitting unused in your video library?Creating more is not always the answer. The bigger opportunity may be turning every video, podcast, training session, or interview you have already produced into a collection of useful, discoverable business assets.The solution is a repeatable AI-powered workflow that transforms unstructured content into optimized blog posts, newsletters, social posts, short-form videos, sales materials, SOPs, and more—without relying on a one-sentence prompt and hoping for the best.In this episode of the Leveraging AI podcast, Isar Meitis speaks with Ryan Robinson about building that workflow from the ground up.Ryan demonstrates how a YouTube video can become an SEO-optimized article using RightBlogger. He also breaks down how business leaders can recreate and adapt the process with tools such as Claude or ChatGPT.The real lesson goes beyond video-to-blog conversion.You will learn how to give AI the context it needs, refine its first drafts, turn successful processes into reusable skills, and automate the creation of downstream content assets.You will also hear why AI-generated work still needs human review—and where those checkpoints belong before anything reaches a client, colleague, or public audience.In this session, you'll discover:How to turn videos, podcasts, and other unstructured inputs into valuable business contentWhy asking AI to “write a blog post” is not enough to produce useful resultsHow RightBlogger converts videos into structured, SEO-optimized articlesHow keyword research, content structure, internal links, external links, and FAQs improve an AI-generated draftHow to have Claude or ChatGPT interview you before creating the deliverableHow to convert a successful workflow into a reusable skill or standard operating procedureWhy the finished blog post can become the source of truth for newsletters and social contentHow to build specialized skills and connect them through an orchestrated workflowRyan Robinson is an experienced content creator, blogger, entrepreneur, and the founder of RightBlogger. He has built a successful online presence across blogging, YouTube, podcasting, and major digital publications, helping hundreds of thousands of people improve their content and grow their reach.Connect with Ryan on LinkedIn:https://www.linkedin.com/in/theryanrobinson/ About Leveraging AIThe Ultimate AI Course for Business People: https://multiplai.ai/ai-course/YouTube Full Episodes: https://www.youtube.com/@Multiplai_AI/Connect with Isar Meitis: https://www.linkedin.com/in/isarmeitis/ Join our Live Sessions, AI Hangouts and newsletter: https://services.multiplai.ai/eventsIf you've enjoyed or benefited from some of the insights of this episode, leave us a five-star review on your favorite podcast platform, and let us know what you learned, found helpful, or liked most about this show!

Season 3, EP31 Designing a Sewing space from scratch:  Have you ever been able to design a sewing space from scratch? Where did you start? What are your top priorities for a sewing space? How would you design a space to meet those needs? Is decorating a sewing space important to you? Insewmniacs is created, performed, edited and produced by Jenny Hassler and Moira Asheland.  Please check us out on Instagram at @insewmniacs @johassler @atomicbabycosplay.  You can find our FREE community over on Patreon as well! Good night - sleep well, we know we won't! Don't forget to give us a 5 star rating if you like what you hear! Good night - sleep well, we know we won't!

This hashbrown casserole is the best because it's super-cheesy and delicious, and it's made from fresh (not frozen) potatoes, with an easy homemade cream sauce (not canned soup). Oh, the edges get brown and crispy and extra tasty too! Recipe: From Scratch Cheesy Hashbrown Casserole from COOKtheSTORY. There's a brand new recipe on COOKtheSTORY for Crispy Salmon Salad. It's a great main dish salad with homemade dressing, with salmon and that crispy skin I love on top.  Here's the Recipe Of The Day podcast episode page with all of our recipe links, and you can subscribe to the show there too. Join my COOKforTWO Community here! Follow me on social media TikTok, Instagram, Facebook, or PinterestGet My Newsletter! Websites: COOKtheSTORY.com and TheCookful.com Let's get cooking! -Christine xo

Ryan Pineda and Danny Bay brainstorm a strategy to turn caddies, golf coaches, and industry workers into an active direct sales team for Ryan's high-ticket golf mastermind. The conversation breaks down the mechanics of direct sales structures: determining commission tiers and leadership overrides, managing FTC compliance around joining fees, setting up automated onboarding systems, and keeping sales reps motivated without paying high up-front marketing costs.

Join host Sam Davidson as he sits down with Don and Tracy Hardin, founders of the Don Hardin Group and two of the newest announced members of the Nashville Entrepreneurs' Hall of Fame 15th class, to be honored at the NEXT Awards on October 19th, 2026. Neither of them set out to build a company. Don wanted to work 30 years, get a watch, and retire. Tracy watched her father do payroll by hand at 11 PM and wanted absolutely nothing to do with entrepreneurship. Then life had other plans. Over 26 years, through a decade of moves across the country, two recessions, a pandemic, and a deeply held belief that their employees would always get paid — they built one of Nashville's most respected construction management firms. Their portfolio includes the National Museum of African American Music, Music City Center, and a reputation built on relationships, consistency, and refusing to have a backup plan. This conversation covers all of it: how they met (at a Houston's hostess stand on May 13, 1989), how the company started (a church project, a Nissan plant, and a whiteboard at HCA), how Tracy went from swearing off entrepreneurship to running the entire back office, and what they're focused on now — building something worth handing down. Episode Highlights: 0:39 — Don and Tracy introduce themselves: 26 and 23 years respectively in this work 1:18 — Tracy's first entrepreneur: her father, UT's first Black tenured professor in 1966 — who also ran a convenience store to pay for her education 2:02 — Why Tracy grew up watching entrepreneurship and decided she wanted a nine-to-five 2:37 — Don's first: Mr. Jimmy and Ms. Kitty, the neighborhood market over the hill in Trinity Hills 4:59 — The math teacher Don dodged for an entire semester — by taking alternate stairs — who ultimately pointed him toward engineering 6:02 — Tracy: pre-med until the morgue, then public administration and nonprofit work 7:02 — How they met: a "shaggy apartment," a UPS lunch at Houston's, and a phone number he wasn't sure he'd get 9:07 — May 13, 1989: Don calls the same day, they go out the same night 9:41 — The decade of moves: Oswego to Bowling Green to Greenville to Chicago to Birmingham to Reading, PA — and finally back to Nashville 11:35 — The church project that pulled them home — and the promises Don made to get Tracy back 14:41 — Don's decision to go independent: unplanned, organic, just the next logical step 20:00 — First contract: Nissan North America in Canton, Mississippi, via a PMI lunch and an automotive credential from the Mercedes-Benz plant 22:29 — How Tracy joined: Don doing everything himself, Tracy saying "why don't I help?" and immediately professionalizing the whole operation 24:08 — Tracy's first decision: payroll service, day one. "I am not going to be my father with that notebook." 28:12 — Planning in a volatile industry: what happens when you come back from the mountains with a plan and the phone rings for something else entirely 31:13 — The legacy question: why selling shares to the next generation matters, and why passing a Black-owned business down is rare 33:24 — Running a business with your spouse: clear lane separation, and the same accountant, attorney, and insurance agent for 25+ years 35:00 — The National Museum of African American Music: "Don, go build a museum" — and how he spread opportunity to every contractor involved 35:50 — Music City Center: the "Leave it to Beaver" conversation that got the two larger firms to hear him out 37:57 — Tracy on Music City Center: managing the build, and now serving on the board 38:53 — Don's philosophy: no backup plan. One plan. Make it work. 39:33 — COVID: kept everyone on payroll the whole time. "Last year's profit's gone, but you're going to keep getting your paychecks." 40:51 — Closing: Hall of Fame, October 19th NEXT Awards, and what staying the course actually looks like Subscribe to Circle Back for more stories from Nashville's most interesting builders. Share this with someone who needs to hear what staying the course looks like in practice.  Relevant Links: Don Hardin Group National Museum of African American Music Nashville Entrepreneur Center Circle Back Podcast Nashville Post #CircleBackPodcast #DonHardinGroup #NashvilleEntrepreneur #NashvilleEC #HallOfFame #ConstructionManagement #FamilyBusiness #BlackBusiness #NMAAM #Nashville #Entrepreneurship #LegacyBuilding

Federal contracts often go to first-time vendors who never had the experience listed in the job description, and the fastest path in is a short, targeted proposal that answers one buyer's actual concern. David Rambhajan, a Service-Disabled Veteran-Owned Small Business founder who built and later sold an industrial construction company after starting with a $9,000 loan from his mother, walks through the sharpshooter framework he used to land his first role with zero skills, zero experience, and zero education on paper. What you'll learn in this episode: The 200-300-500 yard framework for pacing a federal pursuit so you stop groveling and start closing The exact cold-call script David used after a written rejection to earn a real conversation with the decision-maker Why offering to work one week free flipped a "not a fit" rejection into a job offer inside the same week How David used a $9,000 loan to start a construction company and which certifications he pursued first The mistake most new contractors make with certifications, and what to do instead of chasing them for their own sake Chapters: 0:00 - Sponsor read and the 70 places federal contracts hide 0:48 - The 200-yard rejection letter that started everything 1:35 - Cold-calling the marketing manager at 300 yards 3:05 - Building the proposal at Kinko's and hand-delivering it 4:40 - The one-week free-work offer that closed the job 5:55 - Landing the job and taking over the boss's role in a year 7:19 - Starting the construction company with a $9K loan from mom 8:10 - Getting SDVOSB and 8(a) certified, and the lesson ten years later Mindy gives you the federal opportunities, agency signals, recompete intel, and pursuit briefs that tell you not just what contracts exist, but which ones to chase and how to win them. Sign up for free Daily Alerts and get opportunities delivered to your inbox before the day starts.

Starting A Vending Machine Business: How Matt Miller Built Passive Income From Scratch Discover how to start a vending machine business and build reliable passive income with entrepreneur Matt Miller on this episode of Join Up Dots. If you have been searching for practical business ideas that let you escape the corporate grind and build sustainable wealth, this interview reveals how everyday observations can spark a profitable enterprise. Learn how to identify unconventional business opportunities, overcome economic hurdles, and take the leap into entrepreneurship. Whether you are looking for fresh startup inspiration or a proven model for financial independence, this conversation delivers actionable insights to help you build a better business and life. Listen now to Join Up Dots, subscribe for more episodes, and share this episode with anyone looking to build a better business and a better life. #Entrepreneurship #PassiveIncome #VendingMachineBusiness #StartABusiness #BusinessIdeas #MakeMoney #WealthCreation #FinancialFreedom #LifestyleDesign #SmallBusiness #BusinessGrowth #StartupLife #JoinUpDots #SelfEmployed #BusinessOwner

Matt, Jordan and Isiah recap the series against the Athletics. Curtis Mead lasted two at bats, and the deadline is fast approaching with the Red Sox juggling lots of balls still. Where do Corey Kluber's parents work, and why is Salvador Perez overrated? Also HOW ARE TOLLE AND BENNETT RELATED?! If the Sox win the WS this year, who would be the craziest person to get a ring? They also preview the upcoming Dodgers Match up. Make sure to follow us on Twitter and Instagram, @ThePeskyReport. We are officially a part of Beyond The MonsterTwitter: @BeyondtheMnstrSubstack: https://beyondthemonster.substack.com/ This episode is brought to you by TJStats — advanced MLB stats and tools including pitcher summaries, prospect rankings, and live pitch data. Head over to tjstats.ca and use code PESKY for 25% off your first month.

If you lost your business, audience, and platform tomorrow, how would you rebuild from zero? In this episode, Lori and I break down what we would do if we had to start completely from scratch today. We share why your first move should be creating a highly specific, low-overhead product that solves a valuable problem, how to use high-volume social media content, and why getting on other people's podcasts can accelerate your authority and audience growth. Tune in to learn how to find your niche, get known for one thing, and turn consistent action into customers faster.   HIGHLIGHTS The first thing Lori and I would do if we had to start from scratch. Why your first offer needs to solve a very specific problem. How posting more gives you faster feedback on what your audience wants. Why podcast guesting accelerates trust and authority. How to borrow other people's audiences and turn listeners into your audience. Why becoming known for one specific thing helps you grow faster.   RESOURCES Use code CHRIS and save $1,000 on your custom social media strategy with The Brand LAB HERE! Register for the FREE Million Dollar Guest Training HERE! Join the most supportive mastermind on the internet - the Mentor Collective Mastermind! Make More Sales in the next 90 days - GET THE BLUEPRINT HERE! Check out upcoming events + Masterminds: chrisharder.me Text DAILY to 310-421-0416 to get daily Money Mantras to boost your day.   FOLLOW Chris: @chriswharder Lori: @loriharder Frello: @frello_app

If you had to start your business from zero today, where would you even begin? In this episode, Chris and I break down exactly what we would focus on if we lost our businesses, audiences, and platforms and had to rebuild from scratch. We share how we'd approach creating the right offer, getting in front of new audiences, and figuring out what actually gets people to pay attention and buy. Plus, we talk about one of the opportunities we see right now for building trust and becoming known for what you do. Tune in for the strategies we'd use to gain momentum, grow an audience, and build a profitable business from the ground up. Check out our Sponsors: Shopify - Try the ecommerce platform I trust for Glōci. Sign up for your $1/month trial period at http://Shopify.com/happy. Zazzle - Save 25% on your first order today at http://Zazzle.com with code EARN. Monarch Money -  Get your first year of Monarch Core for half off at http://Monarch.com with code EYH. Northwest Registered Agent - Visit northwestregisteredagent.com/EarnFree and start using free resources to build something amazing. Wealthfront - Join the million-plus people already building long-term wealth with confidence by heading to wealthfront.com/earn. Indeed - Indeed is giving Earn Your Happy listeners a $75 SPONSORED JOB CREDIT to help get your job the premium status it deserves. Just go to http://Indeed.com/podcast right now and support our show by saying you heard about Indeed on Earn Your Happy. Momentous - If you want to try Momentous Signature Spec Creatine, head to livemomentous.com and use code EARN for up to 35% off your entire first order. HIGHLIGHTS The first thing Chris and I would do if we had to start from scratch. Why your first offer needs to solve a very specific problem. How posting more gives you faster feedback on what your audience wants. Why podcast guesting accelerates trust and authority. How to borrow other people's audiences and turn listeners into your audience. Why becoming known for one specific thing helps you grow faster. RESOURCES Register for my FREE Million Dollar Guest Training HERE! Apply for the Elite Entrepreneur Mastermind HERE! Get on the waitlist for Mentor Collective Mastermind HERE! Try glōci for 40% off your first order with code HAPPY at checkout - head to getgloci.com FOLLOW Follow me: @loriharder Follow Chris: @chriswharder Follow glōci: @getgloci

Credit building is the other half of your credit repair business, and most Credit Heroes are leaving it on the table. Daniel Rosen breaks down how to help clients build credit from scratch, report rent as credit history, and keep clients paying you long after the deletions come through. Join Our FREE Start Repairing Credit Challenge: HERE  Repair clears the negatives, but a lot of clients are left with a thin file and a score that has nothing to grow on. What actually moves a score comes down to on-time payment history, low utilization under 30%, and some age and mix built up over time. Feed those, and you finish the transformation instead of stopping halfway. The fastest win is rent. If you're on Credit Hero Score, BuildCredit Rent reports a client's on-time rent as credit history and can back-fill up to 24 months, so two years of positive history can show up on the file with results usually landing in about 30 days. Only on-time payments get reported, so there's no new debt for your client to worry about. Once the rent is reporting, pair it with a secured card kept under 30% for a well-rounded file. Here's why it matters for your business: every repair client you finish is already a fit for building, so there's no new lead to chase and no trust to rebuild. Repair has an ending, but building is a reason clients stay with you month after month. Offer it right after a win, lead with rent because it's the easiest yes there is, and you turn a bill they're already paying into a stronger score for them and recurring income for you. Tune in!  P.S. Join the #1 event to grow your credit repair business: http://creditrepairexpo.com/   Key Takeaways: 00:00 Intro 01:38 Credit Repair Is Only Half the Job 03:36 Repair Fixes the Past. Building Creates the Future 04:06 Why Credit Building Is the Most Natural Upsell You Have 05:32 The Three Things That Actually Move a Credit Score 06:12 Two Ways to Feed the Score 06:54 Why Rent Reporting Is the Easiest Yes You'll Ever Get 07:52 Pair Rent Reporting With a Secured Card for a Real Score Climb 09:00 The Real Money Is Retention. Not the Commission 10:04 Who to Offer It To and When to Bring It Up 10:46 Exactly What to Say to Get an Instant Yes 11:14 Final Thoughts Additional Resources: Get a free trial to Credit Repair Cloud Get my free credit repair training   The BEST Credit-Builder Loans and Secured Cards in 2026 Make sure to subscribe so you stay up to date with our latest episodes.

200 euros in a bank account, no contract, and a vision. Six and a half years later: 160,000 trees, a soil temperature at 15cm depth of a constant 21°C — while the bare field metres away peaks at 38°C — and a landscape so full of birds that visitors ask to walk through it in silence.Marc Leiber, founder of Grow Back and farmer at Quinta das Abelhas, in Portugal, is German agroforestry practitioner who spent nine months on Ernst Götsch's farm in Brazil, arrived in Portugal's Alentejo with almost nothing, and has been quietly building what he calls a Montado-plus, adding the missing layers back into Europe's most famous silvopasture system, ever since.We walk the land together, step outside the gate to stand in the bare control field metres away, and talk about what six and a half years of syntropic-inspired practice actually looks like when it works. Including why eucalyptus, widely considered a villain in the Portuguese landscape, might be one of the most generous trees in it.In this episode:— How a student group got Wageningen University to fund Ernst Götsch's first visit to Northern Europe— Starting a farm with 200 euros, no contract, and acorns gathered by hand for six weeks— Why the Montado's structure is ecologically upside down and what restoring it does to temperature, water, and biodiversity— Why eucalyptus is not the problem — and how to use it to grow a native forest— How to prune cork and holm oaks so they actually thrive— Why in these systems, one plus one equals three or, as someone put it, syntropic farming is measured in cubic metres, not square metres— What Marc would do with €1 billion, and why his magic wand answer is a shift in mindset rather than a farming practiceMore about this episode.Thoughts? Ideas? Questions? Send us a message!Find out more about our Generation-Re investment syndicate:https://gen-re.land/ Thank you to our Field Builders Circle for supporting us. Learn more hereSupport the show=======In Investing in Regenerative Agriculture and Food podcast show we talk to the pioneers in the regenerative food and agriculture space to learn more on how to put our money to work to regenerate soil, people, local communities and ecosystems while making an appropriate and fair return. Hosted by Koen van Seijen.

Writing your first angel check is an act of conviction. For Lisha Bell it was also an act of defiance. She had spent 20 years as a Black woman in tech, rarely working alongside other Black people or women, watching founders who looked like her get passed over. VC wasn't going to fix it. So she decided to write her own checks. And she wants more women to do the same. Lisha grew up working the cash register at her dad's gas station in South Central LA, counting nickels and dimes, watching money move through a community in real time. She understood early that money was a tool and a need. When her family lost everything, that lesson got sharper. She got to the Bay Area, maxed out her 401k from her very first paycheck, and bought a house in Oakland at 24. Not because someone told her to. Because she was afraid of being poor and she wasn't going to wait for anyone else to sort it out. In this conversation with host Syama Bunten, Lisha talks about what it actually looks like to become an angel investor when you built everything yourself, why she did it with a community of women instead of alone, and what it means to deploy capital into founders nobody else was betting on. Lisha built the room she needed when nobody else would. Syama is doing the same thing at Wealth Catalyst, salons and summits where women speak candidly about money, risk, and the choices that shape a life. If you want to be part of that room,join us at the Wealth Catalyst Summit, a full-day event in San Francisco this October 16, 2026, or find a Freedom Tour salon happening near you.   Episode Breakdown: 00:00 Introduction to Lisha Bell and Women's Financial Power 02:31 Childhood Money Lessons from a Family Gas Station 06:58 Growing Up Between Worlds and Shaping Her Identity 13:14 Early Wealth Building Through Saving and Homeownership 22:51 Why She Chose an MBA to Increase Earning Power 26:48 Startup Culture, Career Risk, and Becoming a Mother 30:20 Angel Investing for Women and Writing the First Check 40:32 Why Emerging Fund Managers Matter in Venture Capital 44:56 Capital Preservation and Investing With Purpose 52:40 Access to Capital for Women and Building an Equitable Future Connect with Lisha Bell: Facebook: Follow Lisha on Facebook  X: Follow Lisha on X  LinkedIn: Connect with Lisha on LinkedIn Instagram: Follow Lisha on Instagram Youtube: Watch the Sisters with Ventures Podcast Find more from Syama Bunten: Attend a Salon near you: wealthcatalyst.com/salons Instagram: Follow Syama on Instagram Join Syama's Substack: Join Syama's Substack Website: Visit the Wealth Catalyst website Download Syama's Free Resources: Download Syama's Free Resources Learn About Wealth Catalyst Summit Events: Wealth Catalyst Summit Website: Visit Syama's website Big Delta Capital: Visit the Big Delta Capital website Podcast production and show notes provided by HiveCast.fm  

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I personally subscribe to The Economist. TOE listeners get 35% off the annual subscription. No other podcast has this! https://economist.com/TOE This is a careful lecture that can be followed with zero background knowledge. Einstein thought he'd caught quantum mechanics in an act of spookiness — this podcast asks whether he was even worried about the right thing. Tim Maudlin, professor of philosophy at NYU and a leading philosopher of physics, delivers a rare full lecture tracing Einstein, EPR, and the road to Bell's theorem. The central claim: Einstein's real objection was never determinism — "God does not play dice" is a red herring — but non-locality, which he inferred rather than assumed. Maudlin traces the argument from Einstein's overlooked 1927 Solvay objection through the EPR paper's criterion of reality, showing why Bohr's famous reply never actually answered it. FOLLOW: - Spotify: https://open.spotify.com/show/4gL14b92xAErofYQA7bU4e - Substack: https://curtjaimungal.substack.com/subscribe - Twitter: https://twitter.com/TOEwithCurt - Discord Invite: https://discord.com/invite/kBcnfNVwqs - Crypto: https://nowpayments.io/donation/TOE - PayPal: https://www.paypal.com/donate?hosted_button_id=XUBHNMFXUX5S4 TIMESTAMPS: - 00:00:00 - Einstein's Quantization Hypothesis - 00:07:20 - Photoelectric Effect Implications - 00:12:30 - Wave-Particle Duality Myths - 00:20:40 - De Broglie's Matter Waves - 00:26:40 - Copenhagen's Completeness Doctrine - 00:34:10 - Solvay 1927: Two Conceptions - 00:41:20 - Pinhole Diffraction Problem - 00:48:00 - Collapse and Relativity Violations - 00:56:00 - Epistemic vs. Ontic Collapse - 01:05:00 - Ontological vs. Dynamical Locality - 01:14:00 - Configuration Space Objections - 01:25:00 - EPR's Criterion of Reality - 01:32:40 - Analyzing the Reality Criterion - 01:40:50 - Causal Isolation and Locality - 01:48:45 - Entangled Momentum Eigenstates - 01:56:45 - Logical Core of EPR - 02:04:40 - Position-Momentum Simultaneous Reality - 02:14:00 - Inferring Determinism from Locality - 02:26:30 - Conservation Laws and Information - 02:37:40 - Counterfactual Definiteness Debunked - 02:44:00 - Bohr's Incoherent Response - 02:52:00 - Schrödinger's Entanglement Confession LINKS MENTIONED: - Quantum Non-Locality and Relativity [Book]: https://amazon.com/dp/1444331272?tag=toe08-20 - On a Heuristic Point of View About the Creation and Conversion of Light [Paper]: https://sites.pitt.edu/~jdnorton/lectures/Rotman_Summer_School_2013/Einstein_1905_docs/Einstein_Light_Quantum_WikiSource.pdf - The Ghost in the Atom [Paper]: https://vdoc.pub/download/the-ghost-in-the-atom-a-discussion-of-the-mysteries-of-quantum-physics-1guq071e2ukg - Collected Papers on Wave Mechanics [Paper]: https://mwolf.pracownicy.uksw.edu.pl/MK/Schrodinger_Collected_Papers_on_Wave_Mechanics.pdf - Quantum Theory at the Crossroads [Book]: https://amazon.com/dp/0521814219?tag=toe08-20 - Can Quantum-Mechanical Description of Physical Reality Be Considered Complete? [Paper]: https://journals.aps.org/pr/pdf/10.1103/PhysRev.47.777 - Bohr's EPR Critique [Paper]: https://journals.aps.org/pr/pdf/10.1103/PhysRev.48.696 - The Present Situation in Quantum Mechanics [Paper]: https://personal.lse.ac.uk/robert49/teaching/partiii/pdf/SchroedingerPresentSituation1935(1980trans).pdf - Bertlmann's Socks and the Nature of Reality [Paper]: https://cds.cern.ch/record/142461/files/198009299.pdf - On the Einstein Podolsky Rosen Paradox [Paper]: https://journals.aps.org/ppf/pdf/10.1103/PhysicsPhysiqueFizika.1.195 - Quantum Theory and Measurement [Book]: https://amazon.com/dp/0691613168?tag=toe08-20 - Tim Maudlin [TOE]: https://youtu.be/fU1bs5o3nss - Sean Carroll [TOE]: https://youtu.be/9AoRxtYZrZo - Robert Sapolsky [TOE]: https://youtu.be/z0IqA1hYKY8 - Jenann Ismael [TOE]: https://youtu.be/7kvXihDAOi0 - John Norton [TOE]: https://youtu.be/Tghl6aS5A3M Guests do not pay to appear. #science Learn more about your ad choices. Visit megaphone.fm/adchoices

What if confidence isn't something you're born with, but something you build one promise at a time? In this mashup episode, I bring together four incredible conversations that completely changed the way I think about confidence, purpose, and creating a life you're proud of. The truth is, most people spend their lives waiting to feel confident before they take action. But confidence isn't something you discover. It's something you earn. It's built every time you keep a promise to yourself, trust your instincts when everyone else says you're wrong, and choose courage over comfort. If you've been battling self doubt or questioning whether you're capable of more, this episode is exactly what you need. Brendon Burchard and I dive deep into what self confidence really is, and why it's not about external validation or achieving a certain result. We talk about building trust with yourself by keeping your commitments, creating momentum through small daily wins, and why your intentions matter just as much as your abilities. I also share the mindset shifts that have helped me overcome self doubt throughout my own life, because I've struggled with confidence just like so many of you. Jamie Kern Lima reminds us what happens when you refuse to let rejection define your future. After hearing "no" for years, she stayed true to her vision, trusted her intuition, and ultimately built one of the most successful beauty brands in the world. Ryan Serhant shares how confidence isn't something reserved for a lucky few. It's an energy you choose to embody before anyone else believes in you. And Tom Papa offers one of the most refreshing perspectives you'll ever hear about purpose, fulfillment, and embracing the life you're meant to live instead of comparing yourself to everyone else. Each conversation reinforces the same powerful truth. Your confidence grows every time you choose to believe in yourself before the world gives you permission. I truly believe your life changes the moment you stop waiting to feel ready. You don't need more talent. You don't need everyone else's approval. You need to start trusting yourself enough to take the next step. Confidence isn't built overnight. It's built daily through discipline, faith, intention, and the willingness to keep showing up. My hope is this episode reminds you that everything you've been looking for is already inside you. Now it's time to start acting like it. Key Takeaways: Why self confidence is built by keeping the promises you make to yourself Brendon Burchard's framework for creating lasting confidence through daily habits Jamie Kern Lima's inspiring lesson on trusting your intuition even after years of rejection Ryan Serhant's concept of building the energy that attracts opportunities and success Why your intentions create confidence even before your results do Tom Papa's perspective on choosing a meaningful life instead of chasing someone else's version of success How to silence self doubt by building trust with yourself one decision at a time Why your greatest breakthrough often begins the moment you stop waiting for permission You were never meant to live a life controlled by fear or self doubt. You were created to trust yourself, step boldly into your purpose, and become the person you're capable of being. Confidence isn't waiting for you. It's waiting to be built.

How many holes can you go without a double (or worse)? In this episode, Lou asks Mark and Greg to compare to very different skills levels (scratch and 15-index) at double-bogey avoidance. After Greg gives what might be the least accurate answer in the history of the Saturday Stat, the guys get it back on the rails and discuss ways to avoid the card-wreckers.Each of these will be a mini-episode (10-15 minutes long) about an interesting golf stat. We will discuss what you can learn, and most importantly, how you can apply this on the golf course to lower your scores and lower your handicap. Listen on your drive to the golf course or over your Saturday morning coffee!Data is sourced from Arccos Golf. They have over 1 BILLION shots in their database. Check them out at: https://www.arccosgolf.com/ Use code MARK15 for 15% off!If you have a question you want covered on the pod, please submit here: https://www.hackitoutgolf.com/contact/Listeners can also leave us a voicemail! https://www.hackitoutgolf.com/voicemail/Where to find us:Mark Crossfield's weekly newsletter: https://www.crossfieldgolf.com/subscribeMark Crossfield on Twitter: https://twitter.com/4golfonlineMark Crossfield on YouTube: https://www.youtube.com/user/4golfonlineLou Stagner's weekly newsletter: https://newsletter.loustagnergolf.com/subscribeLou Stagner on Twitter: https://twitter.com/LouStagnerGreg Chalmers on Twitter: https://twitter.com/GregChalmersPGASee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.