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This week's Wealth Formula Podcast is about the economics of sports—if you are a sports fan like me, you will love it. But before we get to that, I want to give you my two cents on one of the most important elements to financial success in anything: conviction. As I write this, Bitcoin sold off from a high of $126K to under $90K. Other cryptos have lost 50-90 percent of their value in the same time. It's been called a blood bath. Some are even saying it’s over for Bitcoin. I might even believe them if I hadn't seen the same story at least 5 times before over the past decade. True bitcoiners have tremendous belief in what bitcoin means to the world. Someone who bought $1,000 of Bitcoin in 2010 and simply refused to sell would now be sitting on hundreds of millions of dollars. That is the reward for true conviction. The irony of this bitcoin cycle is that many of those individuals with high conviction are finally cashing in on the fruit of their patience. Almost every day, another wallet that hasn't been active since 2011 is selling off a billion dollars into the market into the hands of Wall Street and governments. That's why prices are tumbling. But don't be fooled into thinking that these buyers are the dumb money holding the bag. The story does not end here. Nor is the Bitcoin story a one-off either. History repeats itself as the story of investments unfolds over time. In December 1999, Amazon stock traded at $106. After the dot-com crash, it fell to $5.97. Every talking head had a eulogy written for the company. But if you were crazy enough to hold through the storm, your conviction paid off spectacularly: $10,000 invested in Amazon in 2001 is worth over $20 million today. Now, moving on to the topics of sports. One of my favorite examples of conviction is from 1920, when George Halas bought the Chicago Bears franchise for $100. The Halas family could've “taken profits” countless times. They lived through multiple depressions, a world war, a dozen recessions, five or six league restructurings, labor disputes, player strikes, and decades of bad seasons. Anybody else would've bailed. But they didn't, and today, the Chicago Bears are valued at over $6.3 billion. These stories have different time periods and different industries, but they all teach the same lesson: Conviction is one of the most profitable assets you can own. That's the message I want to leave you before we move into a perhaps more entertaining topic: the economics of professional sports. Most people think of sports in terms of touchdowns, rivalries, and Super Bowl rings. But the truth is… professional sports is one of the greatest wealth-creation machines in American history. Few people understand those engines better than our guest this week. He's one of the clearest, most respected voices in sports economics today, and he's going to break it all down for us: salary caps, streaming deals, and team valuations. If you are a sports fan, you are going to love this week's episode of Wealth Formula Podcast! Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Donald Trump pretty much bankrupted the USFL by saying we’re gonna go head to head, uh, with the NFL instead of trying to build a a Spring Sports League. Welcome everybody. This is Buck Joffrey with the Wealth Formula podcast. Happy, uh, Thanksgiving week, uh, and uh, this week because it is a holiday week in, you know, football and all that kind of stuff that goes along with it. We’re gonna talk. About the economics of sports. And if you’re a sports fan like me, you’re gonna really like this. I really had fun with this interview actually. It was just like me asking a bunch of questions I always had. But anyway, before we get to that, I want to give you my 2 cents. One of the most important elements that I think there is give financial success in anything, and that is conviction. And I bring this up to you in part because Bitcoin sold off. Um, and well at least all the time, I’m recording this from a high of 126,000 and then it, it plunged actually below 90,000. And then of course, there were other cryptos that lost 50 to 90% of their value in the same time. Uh, yeah, it was a bit of a bloodbath. It’s been called a bloodbath and it is a blood bath. And of course, there are some who are declaring Bitcoin dead Again. Um, and you know what? I might even believe them if I hadn’t seen, uh, the same story, at least I’d say, I don’t know, maybe four or five times over the past I, eight years, nine years, whatever. True Bitcoiners though, have a tremendous belief in what Bitcoin means to the world and where this is headed. And some of them, well before I ever got in, right? I mean. That serious conviction because, you know, the people who were buying, you know, back in 2012, 13, I mean, this was completely outta nowhere, had no one’s, uh, no one’s support, nothing. In fact, in 2010, uh, you know, if, if you bought Bitcoin back then simply refuse to sell up until now, um, say you bought a thousand dollars of Bitcoin. You’d be sitting on hundreds of millions of dollars of Bitcoin, right? That’s the reward for true conviction. And those people, frankly deserve it. Because can you imagine if you just bought a thousand bucks or something and it was already up to a million, it was already up to 10 million and all the way up to 20 million, you still didn’t sell. I mean, I don’t even know if I could, I don’t know if I could do that. I don’t think I could. I mean, at some point I would be like, take the money and run. Right. Um. You know, it’s a funny thing though. The irony of this Bitcoin cycle that we have right now is that many of those individuals with, you know, super high conviction, um, the ones that were in way before any of us and before me, well, they’re actually, a lot of them are actually cashing out sort of the fruit of their patients. Right. Almost every day right now, you’re seeing a another wallet that’s been dormant since like 2011. And all of a sudden it sells. It’s something that has done nothing, but just sit there in storage, selling off a billion dollars into the market, probably, you know, started out as like 10 grand. Right? And where’s that money going? It’s going to the hands of Wall Street’s, going in the hands of, uh, governments. That’s actually the ironic part here. That’s why prices are tumbling. Because I think people are saying, well, gosh, we’re at a hundred grand. I’m sitting on hundreds of millions of dollars. I’m sitting on a billion dollars. Uh, I think it’s time to get out, right? But don’t be fooled, in my opinion, to think that these buyers are, uh, you know, they’re the dumb people holding the bag. I mean the, the people holding the bag, it’s Wall Street, right? They’re governments and reserves. And, uh, you know, big treasury companies, the story doesn’t end here. And the other thing is that Bitcoin story is not a one-off in history at all, right? In fact, you know, it, Bitcoin gets a lot of attention. But you even look at something like Amazon, right? December, 1999, Amazon stock trading at $106. Then the.com crash comes, and guess what? It fell down to $5 and 97 cents. That’s a Bitcoin like crash, right? And every talking had a eulogy written for the company. And if you were crazy enough to hold through that storm, your conviction paid off spectacularly. If you had $10,000 invested in Amazon in 2001, it’s worth over $20 million today. So anyway, that’s the point I have though. You know, it’s, the point is about conviction. Uh, and, and I’m not saying that you should just be dumb, buy something and be dumb about it, but especially on these asymmetric things where you think something could be really big, give yourself a time, a period, right? I mean. The only thing other than Bitcoin that I think I, I’m really interested in, in the crypto space is something called Solana. Solana is down like 50% from its ties, and I still think that, you know, when the dust settles, I think this is going to be something that’s gonna pay, pay off. Now if I were to watch it day by day, uh. It’s demoralizing, right? But, but I think the point is, if you have some conviction in something, give it some time. You know, say, I’m gonna watch this for at least five years if I can, if I don’t absolutely get into a situation where I need that money, which hopefully you don’t, because this is not where that kind of money belongs. Right? But give it some time and don’t look, there’s lots of noise, and, and, and then just give it some time and see what happens. Right? Now speaking of giving it some time, you know, a similar story in the sports arena in 1920, George Halas, I think it was Papa Bear, right? George Papa Bear. Halas bought the Chicago Bears franchise for a hundred bucks. Yep, a hundred bucks. Now the Halas family could have taken profits countless times, and they lived through lots of, uh, bad times. Depressions, uh, you know, world War, uh, a dozen recessions, five or six, uh, league restructurings, labor disputes, player strikes, decades of bad seasons. And maybe anybody else would’ve billed at some point if they’d made, you know, millions of dollars from the a hundred bucks. But they didn’t. And the Chicago Bears, as much as I don’t like the Chicago Bears, are valued over $6.3 billion. Now these stories, ultimately, they’re, you know, different time periods, different industries, but same lesson conviction, it’s one of the most profitable assets you can own or attributes at least. Maybe it’s not an asset, I don’t know. That’s a message I wanna leave you before we get into the topic of today, which is the economics of professional sports. Now, most people think of sports in terms of touchdowns, rivalries, super Bowl rings, all that kind of thing. But the truth is professional sports is one of the greatest wealth creation machines in American history, and few people understand those engines better than our guest this week. He’s one of the clearest, most respected voices of sports economics today. And he is gonna break it all down for us. We talk salary caps, streaming deals, team valuations. We talk about the Green Bay Packers and why they’re owned by the city of Green Bay instead of owners. All that kind of stuff that you might have wondered about but you never really knew. So if you’re a sports fan, enjoy it and happy Thanksgiving. We’ll have that interview for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealth formula banking.com. Again, that’s wealth formula banking.com. Welcome back to the show everyone. Today. My guest on Wealth Formula podcast is, uh, Dr. Victor Matheson, professor of Economics and Accounting at College of Holy Cross. He’s a leading authority on sports economics, studying everything from the financial impact of mega events like the Olympics and World Cup, to the inner workings of professional sports leagues, lotteries, and public finance. Uh, welcome to the show. How are you? Well, thanks for having me. Great. Always happy to talk some sports economics. Oh gosh, this is interesting. I’m a huge, uh, I’m a huge sports fan, especially NFL and, uh, so, you know, instead of talking personal finance, you know, without, uh, without any, uh, uh, sports in it, this is definitely a, uh, welcome for me. So, um, well, vigor, let’s start, start with this, you know, um. Most of us who are big sports fans, you know, we’re really driven by the idea of the, the, you know, the, the emotion, the entertainment. Taking a step back from your perspective, how should we look at this whole ecosystem of sports as an economic system? Well, uh, first of all, it’s. It’s both bigger and smaller than, uh, than you would imagine. So if we think of the NFL, the NFL ha generat more revenue than any, uh, sports league in the world. Uh, this year it’ll come in somewhere around 22 ish billion dollars. Uh, that certainly seems like a lot of money. On the other hand, a Sherwin Williams paint store comes in at about that same sort of, uh, revenue, you know. On many podcasts talking about talking about paint, right? Um, if we talk worldwide, all the sports leagues all put together, uh, we’re talking about maybe a hundred billion or so, maybe 120 billion, roughly the same size as Johnson and Johnson. So, uh, you know, it’s a big industry. It’s a, you know, billions in with a B, but it’s also a tiny percentage of, of the total amount of economic. Being generated every year, and, and so we can easily get, uh, um, we can easily get ahead of ourselves and say, well, you know, uh, it’s the biggest company in the world, the NFL, it’s, it’s not even 500. Interesting. Um, so let’s talk a little bit about this, um, uh, how value is created in these leagues. So, so, you know, you said professional leagues are built on the economics of controlled scarcity. So talk a little bit about that, if you would, how this scarcity model drives value and, and, and protects, uh, uh, profitability. Right. So let’s compare, you know, let’s compare a Walmart. To the NFL, right? Uh, so Walmart takes a look at all these potential places that you could put a Walmart and they say, oh, this would be a good one. And a Walmart goes in. And now that Walmart’s generating economic impact and generating revenues for the, for the. For the company and all these sort of things. Now let’s look at the NFL, right? Uh, the NFL does the same thing. They said, Hey, uh, let’s look at Las Vegas. Would that be a good place for a, for a team? Uh, is is London gonna be a good place for a team? Uh, and they look at those. Uh, but here’s the deal. If Walmart looks at 50 places and says, Hey, these 35 would be good places. They’re not gonna just pick the best one for a franchise. They’re gonna put. Walmart’s in all of those, right? Uh, the NFL on the other hand, very specifically saying, you know, we actually don’t wanna put an NFL franchise in every place that we could, uh, make a profit in because we want to be in the, in a world where there are fewer NFL franchises than there are cities that want them, and that generates demand for this. Um, Walmart can’t do that because if Walmart doesn’t put in a franchise somewhere, uh, you know, Target’s gonna come in instead. Uh, that’s not gonna happen in the NFL, uh, because there’s no other competitor to that. So they can actually restrict the number of franchises they have, which means that every franchise is selling at a, a super premium price. These are, you know, at the lowest end, we’re talking five, six, $7 billion franchises. Now, uh, they could sell multiple new expansion franchises, but they choose not to. To maximize the value of those existing franchises. It’s been a while actually since the NFL expanded, um, the league. And I’m curious, what are, you know, what is it that drives them ultimately to do that? I mean, again, you just mentioned there’s this whole scarcity issue. I mean, what do you think are sort of the limitations or sort of the. You know, the, the, the points at which they say, well, gosh, maybe we do move to London, or maybe we do that. Like, do you have a sense of that? Yeah. So a couple things they wanna do. So first of all, one of the big things that all of the leagues in the United States have done is they want to be a big enough league to make sure that they cover all of the good spots or most of the good spots for a team. You don’t wanna leave enough good team locations that a rival league could come and start to challenge you. Right? So thinking back to the 1950s, uh, one of the most important sports leagues ever to come about in the United States. Actually never even existed. And this league is what was called the Continental League. And the Continental League in the 1950s arose as a challenger to major league baseball. Major League baseball in the 1950s was exactly the same size as it was in 1901. It was 16 teams. But the United States had grown immensely and the league had started to move, you know, the Dodgers to LA and the Giants to San Francisco, but you still had huge amounts of the country uncovered by baseball. And so this Continental League came about as an idea saying, you know what? We can take on Major League Baseball by putting franchises in places that it doesn’t exist. They said, oh, here’s our new eight league team. And the way Major League Baseball responded to that is before continental baseball could even start, uh, start existing, it said, oh yeah, well we’re gonna put a team in Minneapolis. We’re gonna put a team in Houston. We’re gonna put teams in these Lee in these cities that the Continental Baseball Association was gonna go into. And therefore, uh, continental baseball never got into existence because Major League Baseball expanded into those locations and everyone has taken that, that hit. You need to be big enough to make sure that every place with a, a good chance at having a team, or at least most of them, uh, are covered so that there’s 8, 10, 12 cities out there, uh, a big enough footprint that you could have your own new league. Uh, do that. So, I mean, if you look at the NHL, if you look at NBA major league baseball, NFL, all about 30 teams. There’s about 30 or a few more big cities. But what’s very important is there’s not 10 or 12 big cities out there, uh, without NFL teams, without football teams that. A rival league could move into that space. You know, I’m curious when you, you brought up that Continental league in baseball. It reminds me when I was a kid of, uh, the United States football, like the USFL and all, they got all these, uh, players, like I remember Herschel Walker started there and, and there was a number of actually guys who ended up in the NFL and being big stars there. So they, they definitely, uh, started out pretty strong. What went wrong for the USFL? It’s so funny you say that. Uh, the answer is actually one big, uh, name. It’s actually Donald Trump. Yeah. So, so what USFL did is, is they noticed that their niche was, um, was the spring, right? We play college football, we pay play high school football, and we play the NFL in the fall, which means that, uh, people out there in the spring, there’s no football out there to be had. The USFL said, you know, we could move into this market. So first of all, we’re gonna move into the spring where there’s not a rival. Second of all, we’re gonna take at least some cities where there’s not active, um, football teams either places like Birmingham, right? Uh, so any case, uh, what happened there is the USFL. Kind of got a little, its ego kind of got ahead of itself and it said, Hey, now that we’ve established ourselves in the spring, we do have some big stars like, uh, uh, Herschel Walker, like Doug Flutie, uh, some of these others. We’re gonna try to take the, uh, take the NFL on, uh, head to head and we’re gonna move from the spring to the fall. And the other thing they did that was very important is they filed a lawsuit against, uh, the NFL, saying that the NFL was engaging in antitrust activity that was keeping this rival league down. It was, uh, keeping them off TV by using their market power with some of the broadcasters. It was using its market power with stadiums to keep these teams out. And so they took him to court, and I think the, the hope was that there would have to be a settlement and that settlement would result in the USFL merging with the NFL. And the owners of the big teams in the USFL would kind of get a backdoor into the NFL this way. As it turns out, the court, in fact did find in favor of the USFL. Uh, they said yes, the NFL is engaging in illegal antitrust activity, but they also said. You guys are insane. Uh, going against the NFL in the fall, there was no way you’re gonna make it. So even though the NFL was found guilty, the jury only awarded $1 of damages. Uh, technically in antitrust cases, that’s tripled. So they actually were awarded $3 in damages and the league basically folded the next day. They won their lawsuit, but they folded the next day. But of course, the owner that had most. Most importantly pushed the league to go head to head against the NFL was the owner of the new, uh, New Jersey team, the Generals New Jersey Generals. Right? And it was Donald J. Trump. Donald Trump. Uh, so Donald Trump pretty much bankrupted the USFL. By, uh, by saying we’re gonna go head to head, uh, with the NFL instead of trying to build a, a Spring Sports League. Now, to be fair to Donald Trump, which I don’t necessarily want to be, but to be fair to him, um, there’s no guarantee that the USFL would’ve made it as a spring league either, but I think anyone, again, a jury looking at this said there was just no chance of that league, uh, surviving against, uh, the NFL. If you try to go head to head in the poll. Just, just outta curiosity, uh, you know, there, when you talk about Trump, I know like he’s had an interest in, you know, professional football teams for a long time where he did, at least, there’s a certain politics that goes into buying an NFL team as well, right? Right. So the NFL is a partnership. Yeah. Which means that they can choose who they decide to partner with. And, uh, the presumption was, uh, in the 1980s when Donald Trump was trying to become an NFL owner that Donald Trump, uh, neither had the money, nor had the friendships among other NFL player, uh, NFL owners, uh, to get into that very exclusive club. And so again, he was able to get into the USFL because it was a much lower buy-in, in terms of, of cost. The USFL owners couldn’t be as picky about who they wanted as fellow partners, and again, I think Donald Trump saw the USFL as a way to potentially get into the NFL through the back door through this lawsuit, and, and by moving directly in the, in the fall because the jury just didn’t find that, that there was any plan. By which the USFL teams could have ever become profitable, uh, going head to head in the fall against the NFL. Let’s talk a little bit about sort of valuations, because what’s interesting is, you know, you’ve talked about scarcity and, you know, the way that the leagues have manipulated, uh, that to make sure that there, you know, the values continue to grow, but at some point in the last 30, 40 years, the numbers just really skyrocketed, right? Where these football teams, you know. It wasn’t a straight line in terms of how much they were worth. What, what went into that massive inflection of, uh, of, of valuation? So, first of all, I think you’re exactly right. There has been this massive inflection. Uh, so I’ve been teaching sports economics since the 1990s and, and the 1990s were kind of at the end of an era where this was really one of the sames back in the seventies, eighties, and even as late as the early nineties, that if you wanna become a millionaire. Start out a multimillionaire and then buy a sports team because it was a, it was just a, uh, a dumpster fire that you could just burn up cash without any hope of any sort of real return. And that changed in probably the late eighties, early nineties. That really changed, uh, a couple things. Change that, uh, first of all. By the nineties and certainly by the two thousands, um, most of the big professional sports in the United States had solved lots of their labor relation problems with the, with the athletes. So there was always this question about, uh, you know, do athletes have the ability to bargain with other teams? Are they able to get free agent, uh, agency, are teams going to be constantly fighting and, and spending every dollar that they can down to the point of bankruptcy to buy that superstar team? And what happened again in the nineties, starting in the eighties through the nineties and the two thousands is pretty much leagues have, uh, agreed to a world where. We’re gonna limit the amount of spending, uh, that we’re gonna do on players so that we’re not all bankrupting each other, bidding for players. In order to get the players to go along with that, we come to an agreement that we’re gonna share basically half the money with the players. And that’s exactly how the NHL works, the NBA works and the NFL works. Major League Baseball is not like that yet. And we may see not this season, but the next one, um, them trying to finally join ranks with the other, uh, with the other leagues. Uh, the question is whether we’re gonna see that happen without a gigantic, uh, work stoppage that. You know, some people who are pessimistic think we’re, we may not have baseball at all in 2027. 2026 is fine, but 20, 27 may, may fall. So as soon as like your costs are all covered up, that you know that everyone is kind of playing on a level playing field. Once we know that we don’t have to worry about bankrupting ourselves. We are only paying players, what we’re bringing in as revenue. All of a sudden, this is a fairly safe investment in a way that it never was prior to, you know, this all dying down. Couple other things going on here as well is, of course, the country’s gotten bigger. We have gotten bigger, but without adding additional, many additional franchises, which means, uh, those, those tickets are becoming increasingly expensive. We’ve gotten richer in a, in a skewed fashion, so that, uh, that of course the rich have gotten richer, a lot faster than the poor have. But of course, going to a baseball game, especially with those luxury boxes and things like this, is, uh, an activity that is reserved for the wealthy. And as the wealthy have gotten more, uh, uh, have gotten, you know, increasingly rich, uh, that means that. You know, businesses like Major League Baseball in the NFL that cater to the upper class, uh, do disproportionately well. And the last thing, and I’m sure you’ve talked about, uh, this before, is on your show, obviously you can have, um, you can have investments that are irrational as long as you think there’s someone later that’s irrational, that you can, you can hand it off to, right? This is, this is all the Greater fool theory. Uh, although I don’t think necessarily in this case, the, the owners are fools, but. Sports teams are a toy of billionaires that you say, well, look, I, I am, I’m a Mark Cuban. I’ve made billions of dollars. Now I want to spend some of my, my money on a, a fun asset. You know, you and I might collect a baseball cards. Mark Cuban might collect baseball teams, right? Uh, so, uh, in a world you might be willing to overpay because you wanna be a sports soldier and you wanna rub elbows with. You know, KA Leonard, you wanna rub elbows with, uh, with, with Shhe Tani. Um, and you may be willing to overpay for that asset, but guess what? 20 years down the way, there’s still gonna be another billionaire who wants to rub elbows with that next generation of superstars. And so you’re fairly sure that the next time when it comes to sell your franchise, there will be another person who’s willing to pay a premium for that asset as well. So again, as we’ve gotten more billionaires, more billionaire wealth, um, this is something that, uh, you know, has attracted folks like Steve Ballmer to, to part with, with big money. And, uh, again, as billionaire assets have grown, uh, the ability and the desire to buy these teams has grown as well. I would think a major driver of the value. Is also coming from, um, the, the media sources, uh, that are changing, right? Where, I mean, I remember, you know, again, being a kid and there was this, you know, there was Monday night football and it was on NBC and. And that, that’s how it worked. But now there’s like bidding for these things and you’ve got Amazon, uh, doing Thursday night football, which is a little weird. Um, and you know, you sometimes you have, uh, uh, you have games on Peacock. What’s going on with that? How does it affect the economics? Uh, and ultimately, like where is this headed? So, uh, in a, in a league like the NFL, uh, over 60% of all revenues that they generate is media revenue, right? Because most of us aren’t going to games every day, uh, too expensive for us, or too time consuming or all sorts of other things. But, uh, lots of us tune in on tv. So we’re talking about, uh, well over $10 billion of annual media contracts with the NFL. Um, and those numbers have been going up, uh, at least in part because you have media companies, uh, in a pretty competitive environment bidding against one another for these things. Now, one of the things about, again, things like the NFL or the NBA is it allows broadcasters or other types of TV networks to bring in customers in a way that their regular programming doesn’t. So a, a company may actually be willing to overpay for the NFL, kind of as a way to get people to buy all of your other products. A famous example from early days, uh, is, is Fox, right? So in the old days there were three big networks. So old days, I’m talking, you know, 1970s, there were the three big networks, right? There was A, B, CNB, C, and CBS, and they all competed against one another. And then in the 1980s, this rival network came up and this is Fox. And they wanted to get into all these markets nationwide. Well, how do you make sure that a. A local station decides to pick up the Fox programming. So for example, I grew up in Denver and Denver had a, had a, an independent channel that, you know, played reruns and all sorts of other things, and, and so they have a broadcast license already. Fox goes up to them and says, Hey, would you like to carry our regular programming? And, and that, that channel said, well, I don’t really think so. We’re doing fine showing Gilligan’s Island and Love Boat and things like this, and we don’t need, uh, an entire set of your programming. We’re doing just fine, as as it is. Uh, so Fox couldn’t get a foothold in that Denver market. So what Fox does is they buy rights to the NFL. All of a sudden now they go back and say, Hey, we’ve got all this Fox programming, we’ve got the Simpsons, and we’ve got, I don’t know, uh, you know, uh, you know, these early, these early Fox programming. But, um, they say, but we also have the NFL. You can’t, you can’t turn down the NFL. And then all of a sudden that existing affiliate says, okay, all right, we’ll add the whole line of Fox programming because you’re right, we can’t turn down having the NFL. So what, what basically happens here is the NFL serves as this kind of must stock item. And uh, you know, Fox was willing to overpay for the NFL because now they’re gonna get everyone to be able to buy the Simpsons and everything else they were offering at the same time. Uh, and so media rights have gone much, have gone up much faster. And we see this all over the place, right? How do you get people to buy. Amazon Prime. Well, let’s say that’s the only way you get to watch, uh, football on Thursday nights. How do you get people to buy, you know, apple tv? You offer major league soccer games as part of their package, right? Uh, and so this is how you kinda legitimize yourself as an actual, real, uh, you know, quote real media company is by offering some, uh, live. Live sports. And that gets people who would not otherwise buy Netflix or Amazon Prime or Apple, uh, to actually purchase those because again, they’re offering this secondary item. Then presumably that in turn drives up the value of of the NFL and you know, they’re bringing in a lot more money because they’ve got not just the three major networks bidding on them, but they’ve got all sorts of big companies with deep pockets. Willing to, you know, increase their, their, their revenue is and, and that sort of snowballs. Is that, is that fair? No, and that’s exactly right. And, and for as much as I talk about, you know, that billionaire who wants the an NFL team or an NDA team as a. Prestige asset. Uh, they’re also concerned about having it as an actual functioning asset as well. So I’m willing to pay, you know, a lot more, even if I’m willing to pay a premium. That premium is based on a fundamental value in the first place. And how do you drive that fundamental value? You drive that fundamental value by maximizing the revenue you generate through things like media contracts, and by maximizing. And by minimizing your costs, by making sure that your labor costs aren’t gonna run away with you, uh, because again, hopefully you, uh, most of the leagues have solved kind of their long-term labor, uh, their labor strife between them and the players within each league. There is also some different rules, and specifically, again, being a big NFL fan, I love the fact that the NFL has a salary cap and profit sharing for each team. ’cause it makes for a much more competitive league, basically, you know, for people who don’t know what that means, essentially each team can pay, has a salary cap of how much they can pay players for a given year. But not all of the leagues have that. Uh, I don’t really follow the other ones. I, I’m not sure who has it, who doesn’t, but I know that, like in baseball, I don’t think they have that. And it creates a situation where you’ve got the Dodgers or the Yankees in, in, in the World Series. More often than not, and you know, you’re not getting the smaller teams usually. No. So you’re exactly right. So the NFL has what’s called a, uh, a salary cap, and it’s actually got what’s called a hard cap. So they’re actually quite serious about this, and there are very few exceptions that can be made to go over this cap. Uh, this cap is based on the total amount of revenue that’s being generated by the league. Uh, and again, the cap basically is the way that they make sure that they share. A fair proportion of the money with the players. Uh, what’s also important is they also have a floor. So the, the cap this year is about 225 million, if I remember right, but the floor is about 200 million. So every team in the league basically is spending the same amount on labor this season, which makes for a very even playing field. And we know that some teams are gonna lose and some teams are gonna win. And it seems like the Browns and the, and the jets never win. And it seems like other teams always do. But what’s important about that is it’s not just because they’re in a big city, that they have these gigantic revenue advantages and that they can buy a championship. It really is, you know, who is smartest with their money, who’s smartest with your coaching, who’s lucky with the draft and things like this. And, uh, that makes for a very nice thing here. What’s also super important is the NFL has a gigantic amount of revenue sharing, and the reason for this is every single game you watch on TV is part of a contract that’s being sold by the league, not the team. And because of that, the league is generating all these, all this revenue, and then is equally distributing that money to each of the individual teams. So a, a team playing in little tiny Green Bay is generating exactly the same amount of media revenue as the New York Giants. Or the LA Rams. So that’s really nice. Uh, again, gigantic amounts of, uh, again, even revenue sharing to all the participants. As a matter of fact, of all of the businesses in the United States, the NFL is probably the single most socialist company. In the United States. So this Great American pastime is wildly socialist when it comes to how they distribute their, their income. So what incentivizes a team to be better and to win Then from the ownership standpoint, if there’s revenue sharing, is it just at the, the other sources of income that come, like advertising, things like that. I’m, I’m just curious, like if there’s so much revenue sharing, what is it that drives a team to, you know, try to be better from the ownership standpoint? So first of all is that being bad doesn’t help you, right? This isn’t major league baseball, so we’re gonna go the o. The other extreme, at least for a US sport, is major League baseball. No, uh, salary cap there at all. So you can pay, uh, players as much as you want, although there is what’s called a luxury tax. So as you, as your, uh, salary, your total payroll gets too big, you start getting, uh, uh, paying penalties to the league, which is then redistributed to the poor teams in the league. That being said, you can spend as much as you want. So yeah, the Dodgers, they spent somewhere, uh, by some accounts somewhere around $400 million this year on talent, including, you know, gigantic contracts to folks like Shhe, Tani, right? Um, but there’s also no minimum either. So if you’re a team that decides, hey, we’re not even gonna bother to try to compete this year, uh, you are the. I don’t know to, if I should call them the Oakland A or the Las Vegas a a or the Sacramento A or the Traveling through the desert, sort of a for a while. Um, but, you know, this is a team that made a decision not to compete and had a, had a tiny payroll. Uh, other teams have decided to do this, and the, and the NFL you could decide that you didn’t wanna win. But it wouldn’t save you any money because again, not only is there a salary cap, there’s a salary floor. So if I have to pay $225 million each year anyway, I might as well try to win with that 225 million. Uh, ’cause I don’t have a choice to just collect my paycheck and hire, you know, the Minnesota Gophers for $20 million, uh, for my, for my team this year. ’cause that’s not an option. Right. Um, one of the things I wanted to just kind of, uh, drill down a little bit on is the model of the Green Bay Packers. As you um mentioned, it’s a tiny little town, northern Wisconsin. Uh, not much going on there. I’ve, I’ve been there myself for a game. It is unique in that it is owned, not by billionaires, but it’s owned essentially as by the fans. How, how does that work? And, and I guess the question is like, why, why aren’t other teams modeled that way? So other teams are not modeled that way because the NFL does not want other teams to be modeled that way, nor do any of the other, uh, major leagues out there. Uh, it’s not good for the NFL for a couple reasons. Uh, first of all. They have to open their books. If it’s a public company and they don’t like to open their books, um, you also don’t have a face for that, uh, league in a way that, that a person couldn’t, couldn’t be in there, uh, pouring extra money in as a kind of a, an, an angel investor. Uh, on top of that, uh, you can’t threaten to relocate to another city unless you get taxpayer subsidized. Um, you know, uh, stadiums and things because it’s a publicly owned team and we know that, that those public owners will not ever decide to move that team out. How did they get that status in the first place? That’s an interesting story, and it’s a story that’s not unique to. The Packers, but it is fairly unique to the United States. So, uh, in the rest of the world, this type of ownership model actually is fairly common. Um, teams that your, you know, listeners would’ve heard of, like Barcelona, like Al Madrid, these are club owned teams. Um, there is not an owner there. They are owned by the fans themselves, and they’re in the business of. Trying to stay in business every year while winning as many games as possible. Uh, there is, they’re not trying to win trophies for a, a Steinbrenner or a Mark Cuban. They’re trying to win, uh, trophies for that fan base. That literally, again, the, the season ticket holders are those owners. Um, the NFL itself, you know, was, was a very hard Scrabble league for a long time. It started in 1920, uh, and between 1920 and 1935. Roughly 55 teams played at least one season in the NFL. And of those 55 teams, basically all but about six of them, had gone outta business or relocated at some point in here. Uh, this is why actually we got such a socialist, uh, uh, business model here is because the owners of the big teams, the owners of the bears. Uh, the owners of the Giants, uh, they said, look, you know, this league isn’t gonna work if we can’t actually find someone to play. And yeah, we’re making money here, but we’re not gonna continue making money if we can’t find other teams that are gonna work in this league. So they said, Hey, we are gonna be very generous. We’re gonna make sure that, that we share our revenues with the people, uh, the other people in our league. We would rather have a small piece of a big pie, uh, than a big piece of a pie that is tiny or disappears completely. Uh, so that’s why we ended up with this, uh, revenue sharing. And of course they were very open to any sort of model that kept stable teams around, including a model where rather than some rich owner in, in Green Bay owns that team. Instead, it’s a municipally owned team. As long as that team had stability and conform long-term rivalries and can afford to put forward a product that’s gonna, that’s gonna work on a, you know, on an NFL field to make a competitive product, they were happy to kind of do whatever they needed to do because again, this was a, this was a really tough league to be in. For the first roughly 20 years with, you know, a lot more successes. There’s been a lot of talk, uh, I know about private equity entering the, uh, the NFL. Tell us, give us a little bit of an understanding of that. I mean, obviously, I, I kind of think of these owners in these buying groups as private equity already, so what’s the big deal? Is the point. So in most sports leagues have already allow private equity and already allow ownership groups with multiple owners, uh, to, to own teams. So again, uh, you know, the, the Red Sox, they have multiple owners of, of that team. Uh, again, Celtics, same sort of thing. Um, but in the NFL we have required basically one owner, right? So this is a, a person. That owns the team and is the face of the team and is this controlling majority owner, uh, they’re going to explicitly allow external people unrelated to the ownership group, to own pieces of NFL teams here. Uh, and I think the, the real issue here, uh, has to do with, uh, there are some franchises in the NFL where the owners are asset rich, but cash poor. I’m thinking actually, for example, the Bears. So the bears are still owned by the same group. Who bought the Bears back in 1920 ish. Right? So this, you know, the, the same family, the Halas, uh, have owned this team for a hundred years. Uh, by this point, you know, little pieces of the team have been handed down to all the cousins and the grandkids and the great grandkids and this sort of folks. Uh, so, uh, you know, I think in total there’s something like 86 different owners of the, of the Bears now, but they’re all part of that original ownership group that everyone. You know, has inherited a little, a little share here. Now mind you, you know, one 86th of the, uh, of the bears is like a hundred million dollars. You know, the bears are probably an $8 billion franchise. And so that’s a hundred million dollars of assets that each one of these grandkids has just because, you know, their grandfather made a smart, uh, smart investment a hundred years ago. Um, but it doesn’t mean that they can live the lifestyle of a person with a hundred million dollars. Because they’re not allowed to sell their share to anyone because private equity was never allowed. And the amount of money that that team is actually generating in terms of annual operating profits isn’t super high. So you’ve got a world where you’re wildly rich, but you can’t really do a lot with those riches. So you know, this is a team that would be prime for the idea of, well, let’s sell off 20% of this. 20% of the team is gonna be maybe a couple billion dollars. And, and then we will just share that basically it’s a big Christmas present to each one of these, uh, these kids here. And again, the, the thing here is that’s $2 billion in cash that each of these small minority owners gets rather than, you know, an asset that they can’t actually use. To buy a yacht in Monaco. Right? And so that’s giving these kids, or the, you know, these minority owners an option to basically, uh, you know, get liquidity for their ownership. And, and that’s the big difference, right? And of course the other thing is, is there are lots of wildly rich people who would like to be an owner of a team in a way that you could do that 20 or 30 years ago by being just a, you know, just a multimillionaire or a multi, multi multimillionaire. That was enough. Uh. You know, you can be a billionaire nowadays and not have nearly what it needs to become an owner in one of these big groups. So, uh, you know, if we think about, uh, Arod, right? Arod bought, uh, the Timberwolves, uh, in the NDA, um. But he couldn’t do it alone despite the fact that he was, uh, you know, for 10 years the highest paid athlete in the world, you know, signed the single biggest contract, uh, in the history of professional sports, uh, when he did so. Uh, and even a guy with that sort of money doesn’t have enough money to buy a sports franchise. So, uh, I think the NFL is, you know, looking down the, the road to a, a world where. Someone wants to sell, but there’s not that many folks with $10 billion out there. And so the idea that we were gonna keep a, a world where there’s gonna be one single owner forever, uh, you know that that’s a pretty small pool of people in a world where you’re thinking about selling franchises at $10 billion. But if we allow these to be sold private equity wise. Then people can live their dream of being a sports owner, you know, for a mere couple billion dollars. And of course, that increases the pool of, of potential people by a lot. You know, you, you mentioned, um, during, just a minute ago in, in passing that these teams don’t actually necessarily throw off a lot of cash. They’re not, you know, they’re not super profitable. It’s not like a bunch of money’s being distributed to owners. Uh, can you talk a little bit about that? I, I didn’t know that actually. Sure. So a bunch of these teams in, in fact, in terms of operating revenue, don’t actually generate gigantic amounts of, of money every year. Uh, again, taking an an NFL team, so an NFL team is gonna generate, you know, somewhere around $500 million, maybe six or $700 million a year, but you’re already competing about 250 million of that to, uh, to the players. So half of that revenue coming in automatically is going to the players. If you built yourself a new stadium anytime recently, obviously you could have big payments on that. Uh, there’s other operating expenses associated with that. Um, in, in a world where you’re not the NFL, but you’re a world like, uh, major League baseball, where. You have much more variability in your, in your player costs year to year and more variability in your revenue. Uh, you could easily end up with years where you’ve got negative cash flow or at least negative profits, and, uh, and that means that you need, you need to be able to weather that. And so of course that’s one of the reasons, for example, why the NFL, you know, wouldn’t just take anyone as an owner, you need to be for sure rich enough to, uh, to weather both the ups and the downs. Again, if you borrowed any money to, uh, to purchase the team, uh, that’s obviously a big, uh, big interest payment there as well. So you could easily have teams again, depending how the owner purchased that, that are not kicking out gigantic amounts of cash on a year to year basis. One of the things that I’ve been hearing about, I don’t really know how this would work, is the, is of private equity moving into potentially like college sports. So we’ve seen some changes in, uh, for example, in college football where now these players can legally get paid. So it’s, it’s starting to look more and more like a professional. Uh, professional league. So how would that work if you’ve got private money essentially buying, uh, the sports teams of an individual university? Or maybe I’m not, maybe that’s not exactly what’s happening, but that’s kind of the impression I got. So first of all, that is exactly what could be happening and, and what people are talking about. Uh, I am deeply skeptical that this is a good idea for the institutions involved. Um. So basically it works exactly like any other sort of, uh, sports franchise, right? Uh, basically you would have an owner, uh, you know, let’s call him Mark Cuban, although he’s not, you know, he’s, he’s not talking about doing this. But imagine Mark Cuban decided he wants to buy, uh, Ohio State, right? Uh, so he comes up with a a billion dollars hands over a billion dollars to Ohio State. And now Mark Cuban is the recipient of any revenues being generated by the Ohio State, uh, program here. Um, and so this works like, just like anything else, right? So this is, this is basically, um, a person like bringing money in, in exchange for a piece of the action. Uh, the reason I’m highly skeptical about this because. Uh, remember the name of your university is very, very strongly tied with the name of your athletic program, right? So, you know, the Ohio State University is the name of both the educational program as well as the, uh, you know, the sports teams, right? And so, uh, one of the reasons that that schools have sports teams in the first place. Is as a method of advertising for their other things, right? So they, they use spectator sports to bring in the students to, uh, bring in, uh, actually, you know, public taxpayer money, all sorts of things. Um, and of course if the school controls the money from the, uh, you know, controls the athletic program as well as the academic program, then we can presume that the interests of the athletic program and the academic program are aligned. As soon as you’ve sold off your, your athletic program to an external, uh, you know, an external buyer, then you have every reason to believe that the incentives of that athletic program, the incentives of the. Academic program are no longer aligned in, in a way that is useful. Um, for example, you could have that, that equity person say, you know what? I’m gonna make money no matter what, and I’m just gonna tank all of our programs because I’m gonna generate more revenue by spending less. And that’s what maximizes my profit. But that may very well harm the academic side. And so if you allow, you know, private equity to come in and they have any control. Over that, uh, athletic program, you basically outsourced an extremely important part of your business while still meaning that your business in the athletics is, is importantly tied to the other parts of your business that you haven’t outsourced. And, uh, that makes me deeply concerned for anyone who would consider going down this route. Is, is that likely to happen, do you think? I don’t think anyone who makes predictions about college sport to this point, uh, can, can do that with any certainty at all. It’s fascinating stuff. Um, and one last question I guess for you, which is, you know, we talk about like people who own teams, uh, being, you know, multi-billionaires. Um. Is there any way that fans can still get a stake if they’re just simple millionaires? Is that just not something that’s po un unless you’re live in Green Bay, I guess, is that pretty much non-existent? So it depends what you’re interested in doing, right? So if you’re a mere multimillionaire, uh, you’re not gonna become an NFL owner. You’re not gonna become an NDO owner. Right. Mm-hmm. Um, if you’re very famous and a multimillionaire, you might be able to come into an ownership group because they want you as the face of the organization. Right. Um, one example of this was George W. Bush who came in with a very tiny ownership stake, uh, when, uh, he bought the Texas Rangers and he owned about. 2% of that, that team. But he was the face of that because he was the son of the president. Right. Uh, and, and then when the Rangers did well, uh, you know, he, he made a fortune doing that as well. So, um, the answer is generally no. But as long as your heart isn’t wedded to the NFL or NBA, there are certainly options that you can come into. Right. Um, we have seen. One tier down, uh, buying into things like the WNBA or the, uh, NWSL in women’s soccer or, uh, or women’s basketball. Uh, even that’s become pricey nowadays. These are a hundred million dollar franchises now these days. Or you can take chances with lower level, essentially minor league, uh, soccer in the United States or, uh, elsewhere, uh, in, in the world. And I think you know where we’re going here. So if you’re a merely. Multimillionaire, uh, and you’re a, a famous, uh, movie star or two, you could put your money in and buy a football or soccer team in Wales, uh, called Reim. Right? And of course, that’s exactly what Ryan Reynolds did. And Malaney and, uh, you know, they did not have anywhere close to NFL money despite being famous guys, you know, big movie stars, you know, you know, tens of millions of dollars in, uh, in money. They’re nowhere close to being NFL owner money. Guess what they were wreck some owner money and, uh, they get all the fun and excitement of being an owner without needing to be a billionaire. Interesting. Well, listen, uh, I, I appreciate all your time and, uh, it’s, it’s fun for me personally as a sports fan to see how this stuff works. Um, do you have a site where you write, do you have people curious about this stuff or, or how can they learn more? So how people can learn more is, uh, is there is some fun sports economic stuff out there. Uh, the classic, uh, book in sports economics is of course Moneyball by Michael Lewis, who of course is a great writer about all things finance and, and people who are interested in, in general interest books about, you know, all sorts of things related from to the tech boom to, uh, obviously the financial crisis of the two thousands to. His early days in, in junk bonds in the 1980s. Uh, Michael Lewis is one of the, one of the great writers out there. Um, uh, other fun books by colleagues of mine, uh, omics by Stephan Semanski is, is a fun one. Uh, and, uh, you know, you can catch up, uh, with some, uh, some. Other podcasts that, uh, that follow these sort of things, including Freakonomics has often things on sports that are, that are fun as well. Uh, unfortunately if you wanna, you know, hear from me, it’s all textbook stuff and then I’ll have to give you a grade. And so probably that. Uh, but again, it, it’s a great time to be a fan of sports and of economics ’cause there’s just so much good stuff out there. Thanks so much for being on the program today. Again, my pleasure. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens. Steve, the concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealth formula banking.com. Welcome back to the show everyone. Hope you enjoyed it. And, uh, once again, uh, I wanna just wish you a happy Thanksgiving and, uh, thank you for, you know, being a listener of this show. And one more thing, just a reminder, uh, we are heading into sort of the last month or so. Of, uh, investment possibilities in the investor club. Wealth formula.com is where you go to join that group. And if you’re looking for a last minute tax mitigation type investment, make sure you sign up as soon as possible. Uh, that’s it for this week on Wealth Formula Podcast. Happy Thanksgiving. This is Buck Jre signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

In episode twenty, we are joined by Tyler Jackson, a 20 under 40 winner from 2025, shared his journey from Dodge City to Manhattan, Kansas. He discussed his career path, including working at Sherwin-Williams, Peerless Tires, and B104.7 radio. Tyler launched Manhattan City Lifestyle magazine in January 2022, focusing on connecting readers to local stories and businesses. He highlighted his success in maintaining long-term advertisers and the magazine's growth. Tyler emphasized the importance of faith, self-belief, and community connections in his achievements. He also shared his passion for drumming and his desire to write a book on self-development.

Everyone wants to save money on their home and this week on Real Estate Today, we're showing you how. From lowering your mortgage rate to dodging rising insurance premiums, we'll cover the smartest ways to protect your wallet and make the most of your real estate investment. Learn how REALTORS® help clients avoid costly mistakes, what smart financial strategies can help homeowners save more, and how a little paint can go a long way in a budget-friendly remodel. Guests include Matt Schulz, chief consumer finance analyst at LendingTree; Travis Hodges, managing director of VIU; Sue Wadden, director of color marketing at Sherwin-Williams; Rebecca Hidalgo, REALTOR®; and Tom Staub, CEO of Red Oak Development Group. Plus, in our Hot or Not segment, we explore two home design trends making headlines: home theaters and tinted windows.

Everyone wants to save money on their home and this week on Real Estate Today, we're showing you how. From lowering your mortgage rate to dodging rising insurance premiums, we'll cover the smartest ways to protect your wallet and make the most of your real estate investment. Learn how REALTORS® help clients avoid costly mistakes, what smart financial strategies can help homeowners save more, and how a little paint can go a long way in a budget-friendly remodel. Guests include Matt Schulz, chief consumer finance analyst at LendingTree; Travis Hodges, managing director of VIU; Sue Wadden, director of color marketing at Sherwin-Williams; Rebecca Hidalgo, REALTOR®; and Tom Staub, CEO of Red Oak Development Group. Plus, in our Hot or Not segment, we explore two home design trends making headlines: home theaters and tinted windows.

Hi everyone, I'm Nancy Hugo, and you're listening to Home Design Chat with Nancy., I am a certified kitchen designer and love remodeling kitchens and bathrooms. Home Design Chat with Nancy is all about your home…how to plan, design and execute your remodel and much more.The most common question everyone has when they are planning a remodel is "what is the color of the year?"  We know every year there are new colors introduced for fashion, cars and home design, and of course, you don't have to follow that, but it is fun to know what the new colors are. Laurie Clark with Sherwin-Williams is back with me, as she is every year, to explain the Anthology of color and how it relates the the color forecast for 2026.2026 Anthology Volume 2” is comprised of  48 hand-selected hues grouped into four palettes.The four palettes are:Frosted Tints — airy pastels, milky lavenders, soft greens/blues. Sunbaked Hues — warm, sun-drenched earthy tones: terracotta, saffron yellow, clay-inspired reds. Restorative Darks — deep, enveloping tones (plum, burgundy, inky blues) designed for comfort and cocooning. Foundational Neutrals — modern neutrals with subtle undertones, warm and layered instead of flat. The 2026 Color of the Year is Universal Khaki SW 6150 — a mid-tone neutral with slight yellow/khaki undertone, described as “warm, grounded, versatileGo to www.swcolorforecast.com for more information and to see the new colors of the year.Listen to my weekly podcast to learn everything about your home, what the current trends are, how to design, plan and execute your remodel and much moreIf you have questions please send them to Nancy@NancyHugo.comBy the way, you can send me an email at Nancy@nancyhugo.com to get on my email list for DesignersCircleHQ.com.  All the podcasts are posted there as well as Design Trends, Design News and more.  DesignersCirclehq.com is a website!If you want to learn more about me, go to NancyHugo.com This podcast is sponsored by ⁠⁠Monogram.com

iscover the 2026 Color and Design Trends, where we explore the transformative shift toward nature-inspired palettes. This episode highlights the Colors of the Year from top paint brands like Behr and Sherwin-Williams, showcasing a collective embrace of earthy tones, greens, and soft neutrals. Dive into Mondoro's three curated themes—Earth Guardians, Nomadic Spirit, and Coastal Calm—each reflecting tranquility, a connection to nature, and the spirit of global exploration. Perfect for design enthusiasts, decorators, and anyone seeking inspiration for the year ahead!To read more https://mondoro.com/mondoros-2026-color-trends-a-year-of-shifts-in-design-and-palette/Support the showThe best way not to miss an episode is to subscribe or follow us on your favorite podcast apps. If you are enjoying the show, please help by rating or reviewing us. This really does help others find the show. A 5-star rating goes a long way! Know someone who would love the show? The biggest compliment you can give is to share it with a friend! The Global Trade Gal Podcast is a production of Mondoro.com. Mondoro specializes in creating, developing, and manufacturing home decor and furniture products for export. If you're interested in learning more, please reach out to Anita directly at sales@mondoro.com. We would love to hear from you! You can also discover more about us through the links below. Check our out website @ Mondoro.com Follow Us on: YouTube: @MondoroCompany LinkedIn @Mondoro Instagram @Mondoro_Company Facebook @MondoroCompanyLtd Pinterest @MondoroCo

Send us a text and chime in!In this episode of Castl 11, host Megan McClenahan sits down with Justin, Branch Manager of Canyon Painting's Prescott division, to talk about what sets their team apart in the world of residential and commercial painting. From top-tier Sherwin-Williams products and meticulous prep work to a strong commitment to community involvement and customer trust, Justin shares what it takes to make every project last. Discover insider tips on winter interior projects, learn about Canyon Painting's AI-powered color selection tool, and hear how their passion for doing things the right way has built a stellar reputation across Northern Arizona.Check out the CAST11.com Website at: https://CAST11.com Follow the CAST11 Podcast Network on Facebook at: https://Facebook.com/CAST11AZFollow Cast11 Instagram at: https://www.instagram.com/cast11_podcast_network

Die seit gestern Abend gemeldeten Ergebnisse sind gemischt ausgefallen, wobei einige der großen Konzerne die Erwartungen und Aussichten übertreffen. Wir sehen daher vor allem im Dow Jones Rückenwind, mit soliden Gewinnen bei den Aktien von UnitedHealth und Sherwin-Williams. Auch UPS und die Aktien von PayPal können von den soliden Zahlen stark profitieren, mit den Werten vorbörslich rund 12% und rund 16% im Plus. Abgesehen von diesen Schwergewichten, ist das Bild uneinheitlich bis enttäuschend. Die Aktien von Alexandria Real Estate, Royal Caribbean, F5, Waste Management, Corning und Whirlpool stehen den teils flauen Zahlen oder Aussichten unter Druck. Nach dem Closing melden Booking Holdings, Mondelez und Visa Quartalszahlen. Die Wall Street fokussiert sich bis zum Wochenende auf drei Faktoren: Die erwartete Zinssenkung am Mittwoch, wie auch die Mega-Tech-Ergebnisse von Google, Meta und Microsoft nach dem Closing am Mittwoch, und von Apple und Amazon nach dem Closing am Donnerstag. Neben den Mega-Tech-Aktien wird am Donnerstag das Treffen zwischen Xi und Trump im Fokus stehen. Die Wall Street geht von einer deutlichen Entspannung der Lage aus. Abonniere den Podcast, um keine Folge zu verpassen! ____ Folge uns, um auf dem Laufenden zu bleiben: • X: http://fal.cn/SQtwitter • LinkedIn: http://fal.cn/SQlinkedin • Instagram: http://fal.cn/SQInstagram

Die seit gestern Abend gemeldeten Ergebnisse sind gemischt ausgefallen, wobei einige der großen Konzerne die Erwartungen und Aussichten übertreffen. Wir sehen daher vor allem im Dow Jones Rückenwind, mit soliden Gewinnen bei den Aktien von UnitedHealth und Sherwin-Williams. Auch UPS und die Aktien von PayPal können von den soliden Zahlen stark profitieren, mit den Werten vorbörslich rund 12% und rund 16% im Plus. Abgesehen von diesen Schwergewichten, ist das Bild uneinheitlich bis enttäuschend. Die Aktien von Alexandria Real Estate, Royal Caribbean, F5, Waste Management, Corning und Whirlpool stehen den teils flauen Zahlen oder Aussichten unter Druck. Nach dem Closing melden Booking Holdings, Mondelez und Visa Quartalszahlen. Die Wall Street fokussiert sich bis zum Wochenende auf drei Faktoren: Die erwartete Zinssenkung am Mittwoch, wie auch die Mega-Tech-Ergebnisse von Google, Meta und Microsoft nach dem Closing am Mittwoch, und von Apple und Amazon nach dem Closing am Donnerstag. Neben den Mega-Tech-Aktien wird am Donnerstag das Treffen zwischen Xi und Trump im Fokus stehen. Die Wall Street geht von einer deutlichen Entspannung der Lage aus. Ein Podcast - featured by Handelsblatt. +++ Alle Rabattcodes und Infos zu unseren Werbepartnern findet ihr hier: https://linktr.ee/wallstreet_podcast +++ +++ Hinweis zur Werbeplatzierung von Meta: https://backend.ad-alliance.de/fileadmin/Transparency_Notice/Meta_DMAJ_TTPA_Transparency_Notice_-_Ad_Alliance_approved.pdf +++ Der Podcast wird vermarktet durch die Ad Alliance. Die allgemeinen Datenschutzrichtlinien der Ad Alliance finden Sie unter https://datenschutz.ad-alliance.de/podcast.html Die Ad Alliance verarbeitet im Zusammenhang mit dem Angebot die Podcasts-Daten. Wenn Sie der automatischen Übermittlung der Daten widersprechen wollen, klicken Sie hier: https://datenschutz.ad-alliance.de/podcast.html Impressum: https://www.360wallstreet.de/impressum

Design meets real estate in this week's Real Estate Today. We're exploring the hottest home design trends shaping America's housing market and the smart updates that can actually boost your home's value. From the “Ozempic of surface materials” slimming down kitchens everywhere to the newly announced 2026 Color of the Year, our experts break down what's in, what's out, and what's worth the investment. Guests include Mallory Slesser, interior designer and home stager; Sue Wadden, director of color marketing at Sherwin-Williams; Latham Jenkins, associate broker; Kati Spaniak, REALTOR®; and Mary Harmon, real estate expert. Plus, in our Hot or Not segment, we're talking two of the season's boldest design trends: faux fur finishes and curvy

Design meets real estate in this week's Real Estate Today. We're exploring the hottest home design trends shaping America's housing market and the smart updates that can actually boost your home's value. From the “Ozempic of surface materials” slimming down kitchens everywhere to the newly announced 2026 Color of the Year, our experts break down what's in, what's out, and what's worth the investment. Guests include Mallory Slesser, interior designer and home stager; Sue Wadden, director of color marketing at Sherwin-Williams; Latham Jenkins, associate broker; Kati Spaniak, REALTOR®; and Mary Harmon, real estate expert. Plus, in our Hot or Not segment, we're talking two of the season's boldest design trends: faux fur finishes and curvy

Site development behind Sud Daddee'z Car Wash on U.S. 181 in Floresville has left many wondering — What will it be? The site will be home to a Sherwin- Williams paint store, confirmed Floresville Economic Development Corp. Assistant Director Charlotte Ximenez-Nelson. While an estimated completion date is undetermined, the store will provide customers with access to “timeless classic” and “modern favorite” colors and supplies for all their DIY needs.Article Link

Allen Curran  - Curran Cabinetry and Design On the Knowing Your Users: "So if you have teenagers at home, it might come in really handy to be able to slow that down so they don't have the opportunity to slam things shut." We all live in homes with a few of the same types of rooms.  We all have kitchens, bathrooms, bedrooms and a place to do laundry and maybe even a place to hold stuff in the garage.  In almost all of these rooms we have cabinets.  That is where the similarities deviate. Cabinets can be made of a variety of materials, and styles.  How do you choose the best cabinets for your remodeling project. Allen Curran, owner of Curran Cabinetry and Design, knows a thing or two about cabinets.  He has been in the industry for years and has seen designs come and go and come back again. Listen as Allen explains the nuances of cabinets, the different design options and even the things you don't see, but you actually feel when using the cabinets.  It opens up a whole new world to making your house a much nicer home. Enjoy! Visit Lane at: https://currancabinetrydesign.com/ On Instagram: https://www.instagram.com/curran.cabinetry.design/   Podcast Overview: 00:00 "Timeless Cabinet Color Choices" 04:00 "Architect Encounter on Flight" 09:45 Soft-Close Drawer and Door Features 12:17 Toolbox Over Kitchen Cabinets 14:46 Friendship, Friction, Sales Strategy 20:07 "Connecting with Amish Artisans" 22:55 "Helpful Advice From Retiree" 25:19 "Shop Machinery and Systems" 29:37 Local, Quality-Focused Service 33:07 "Custom Cabinets, Semi-Custom Pricing" 37:39 Muted Colors for Timeless Kitchens 39:17 Oak's Decline and Revival 42:38 "Microwave Drawers and Filtration Systems" 46:56 "Counter-Depth vs Full-Size Refrigerators" 49:43 Ethical Start in Remodeling Business 53:30 Modern Trends in Door Desgin 57:20 "Efficient Kitchen Showroom Design" Podcast Transcription: Allen Curran [00:00:00]: White or shades of white are still the most popular. Gray, blue, and green are the other options. And if you look at the blues and the greens, they will tend to have a shade of gray in them. And the reason for that is so much easier to decorate with other colors. If you wanted cobalt blue cabinetry, certainly we can do it. We offer all the Sherwin Williams paint colors as standard, different colors to choose from. But if you want cobalt blue, my biggest concern and first question is going to be how long before you get tired of that color? James Kademan [00:00:42]: You have found Authentic Business Adventures, the business program that brings you the struggle stories and triumphant successes of business owners across the land. Downloadable audio episodes can be found in the podcast link find@drawincustomers.com we are locally underwritten by the bank of Sun Prairie, and today we're welcoming, preparing to learn from Alan Curran of Curran Cabinetry and Design. I almost forgot the and design part. Allen Curran [00:01:06]: Perfect. James Kademan [00:01:07]: So, Alan, how is it going today? Allen Curran [00:01:09]: Today's going well. It's a beautiful sunny day. James Kademan [00:01:11]: Yeah. We're talking cabinetry here. Allen Curran [00:01:13]: We are. James Kademan [00:01:14]: So let's just start with the foundation. How do you get in the cabinetry business? Allen Curran [00:01:18]: Well, how I got into the cabinetry business is I applied for a job, having had experience selling to general contractors and found out a little bit later that I was the only one who applied and dressed in a suit. That's my claim to fame, is I wore a suit the right day. James Kademan [00:01:37]: You know, that is. That's funny. You say that side anecdote here. I'm hiring, I guess you've been doing some hiring. And I get people in Zoom meetings. You probably, I imagine, have people in person. Allen Curran [00:01:48]: A bit of both. James Kademan [00:01:49]:

In this RoofersCoffeeShop RLW, Karen Edwards chats with Sherwin Williams' MetalVue Marketing Segment Manager, Junny Lee and Sherwin Williams' Contractor Sales Representative for the MetalVue program, Heather McGinnis.  They talk about why demand for metal is rising, the barriers that often hold contractors back and how Roofing Passport provides the tools needed to make more with metal.   Roofing Passport is the technology from Sherwin-Williams that offers accurate measurements and the calculations for simplified estimating.  By having the correct data, Roofing Passport helps streamline sales and production while also connecting contractors with leading manufacturers.   See a live demo that explores Roofing Passport and learn how it integrates with MetalVue overall.      Learn more at RoofersCoffeeShop.com!  https://www.rooferscoffeeshop.com/     Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up     Sign up for the Week in Roofing!  https://www.rooferscoffeeshop.com/sign-up     Follow Us!   https://www.facebook.com/rooferscoffeeshop/   https://www.linkedin.com/company/rooferscoffeeshop-com   https://x.com/RoofCoffeeShop   https://www.instagram.com/rooferscoffeeshop/   https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw   https://www.pinterest.com/rcscom/   https://www.tiktok.com/@rooferscoffeeshop   https://www.rooferscoffeeshop.com/rss     #SherwinWilliams #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry 

Impacting Indoor Air Quality From Mold and Mycotoxins:Scott introduces us to Seth Jones, CEO of Hygia Living Corp, to discuss the growing issue of toxicity in homes and businesses. Seth highlights that 66 million homes and 170 million people in the U.S. are affected by ongoing water damage and mold, leading to mycotoxin production. He shares his personal experience with building-related illness in Los Angeles and introduces Hygia products: a biodegradable cleaner for mycotoxins, a chlorine dioxide gas for decontamination, and an endurance coating to prevent mold growth on surfaces. Seth emphasizes the importance of personal accountability in creating healthier living environments. Your Co-Host Today:Seth Jones is the CEO of Hygia Living Corp., where he and his team developed Superstratum, the first patent-pending process to remove mycotoxins from homes. His work has focused on understanding the hidden causes of Building-Related Illness (BRI) and developing products and solutions to address these issues. Before founding Hygia Living, Seth spent 15 years as an international songwriter, producer, and DJ. However, a personal experience with BRI changed everything, leading to the creation of Superstratum. Now, Seth and Hygia Living are on a mission to heal the estimated 66 million homes in the U.S. that create toxic conditions leading to BRI. With 170 million people currently living in these homes, the Hygia Living mission to heal our homes has never been more important. Seth believes that our health can only rise to the level of our environment and that a pure, toxin-free environment is essential for the healing of the body, mind, and soul. Today's Top 3 Takeaways:Current statistics: 66 million homes and 170 million people affected by ongoing water damage issues. 47-48% of homes and office buildings in the US have ongoing water damage issues. The role of environmental toxins in chronic illness and the need for lifestyle changes to improve health. Today's Guest Co-Host Links:Superstratum.coHygia.LifeSickQuiz.comInstagram: @superstratum.coInstagram: @‌sethh_joneslinkedin in/SethHJonesx-twitter @SethH_Jones Watch us on YouTube:https://youtu.be/lzQtFGZFKr0 Timestamped Show Notes:24:40 – Disinfectants like our products are specifically designed as oxidizers to destroy other chemical contaminants. Our Cleaners are specifically designed for Mycotoxins, and we've done research as well as published a white paper from that hard work. Let's not forget the other contaminants like the VOCs aka Voltaile Organic Compounds, that are present in our environments. That new construction smell, off-gassing from paints, carpets, caulks, sealants and much more are different. 29:25 – The chemist who developed it, he had worked at Sherwin Williams for many, many years in non-toxic craft paints and things. So he had a very unique chemistry knowledge. He moved to the mountains up in Georgia, and started getting algae growing on the side of his house. So he developed a long term mold resistant coating that would stick to vinyl and give him many years of resistance performance,40:00 – Today, a lot of kids are growing up in really toxic environments. It's affecting their cognitive development while impacting their learning disabilities. These mycotoxins have been linked to childhood autism as well. It was a blessing to be able to grow up and have access to outside and clean air. 54:15 – Final...

This Episodes Questions: Brians Questions: Thank you for your awesome podcast! I recently started listening and am still working through older podcasts while staying up on your bi-weekly episodes.  I would describe myself as a longtime hobbyist who has built some basic furniture but who still has much to learn. My current project is setting up my workshop in one car space of a 3 car garage after having moved back to California from Colorado.  We've been back for over 3 years, but holding down a demanding full-time job and getting 2 kids through grad school has kept my wife and I pretty busy and has left little time for hobbies. Since I don't have any specific projects in the works besides setting up my shop, my question is a little broader.  Curious to learn more about your thoughts on hand planes.  How much of your woodworking repertoire includes the use of hand planes, what types of hand planes do you use the most and for what types of jobs do you use them?  Or, do you completely omit hand planes from your woodworking arsenal? Thanks again for the great podcast. Best regards, Darryl Noda (Wildfield Woodshop) Thanks once again for putting out the most helpful woodworking podcast I listen to!   I'm making a lot of small boxes, many of which I make as one piece and then cut the lid off with a table saw or bandsaw.  How do you deal with glue squeeze-out on the interior corners of such boxes, when you can't access it until after you cut off the lid?  My current methods are to pre-finish the interior sides of the box, so the squeeze out doesn't affect the finish, or else to use painter's tape at the corners.  The pre-finishing works decently but requires a lot of forethought and has some limitations; the painter's tape is a pain and doesn't work all that well.  Another method I've tried is not caring about the squeeze-out and installing box inserts to cover it up.  Do you all have a preferred method for dealing with gluing up closed boxes?  Thanks again in advance for your good advice. Kyle can you live without  a pedestal drill press? It's handy, with relatively small footprint. But it seems like I use it exclusively perpendicular holes with Brad point or forstner bits., I could probably replace it with a drill guide like this UJK one. https://www.axminstertools.com/global/ujk-technology-drill-guide-with-10mm-chuck-106072  Thanks again for the pod, and for considering my question! Johnny    Huy's Questions:    My wife and I were on vacation earlier this summer driving from Iowa to Florida and I was board listening to the radio and she suggested I look for a podcast on woodworking. Boy was she sorry she suggested that! I found your podcast and what an informative and fun podcast!  I've listen to a lot of them but have not got to them all. I am  getting back to woodworking and have started a side gig and have completed a few projects for a few people and have several more to do. I'm doing tables, shelves, cabinets, bookshelves, benches, and some other smaller things. I have a pretty good shop with a pretty good tool selection. Just purchased a Sawstop PCS 175, 36” fence and I can't believe the quality from my old Delta contractor saw. It will certainly help me up my game on a lot of things. I have a couple of questions that I hope you can help. Some of these projects are stained and others are painted. Up to this point I have just used brushes and rollers to paint and use mostly Sherwin Williams paint. The project turns out ok and my clients are satisfied but I'm ready to kick it up a notch by spraying. I've used a sprayer called a Criiter and while it works ok it very difficult to use on anything of size. I'm lo I recently had the misfortune of losing my shop to a windstorm/tornado. So, I now 'get' to rebuild. I plan on having a footprint of about 30 x 40 with a 10' rollup door and one man door. I have several questions so appreciate that you may not be able to answer them all. 1. What would you suggest for the interion walls? OSB, plywood or ? 1/2" or 3/4"? 2. I plan on putting my table saw and outfeed table in the middle of the shop with the other typical tools - bandsaw, drill press, router table, jointer, planer on or near the exterior walls. Do you have any suggestions as to the layout of the shop? 3. My tools were all rescued thought they undoubtedly suffered some water damage and I won't really know the extent of the damage until the new shop is up and the tools are unloaded from the storage container. Any thoughts on how to deal with potentially water damaged tools? 4. I plan on getting a new dust collector as my old one didn't make it; a wall fell on it and I don't think it can be repaired. Any suggestions for a new one? I plan on plumbing in pvc piping to each of the tools so would like to have something pretty robust. 5. What would you suggest for shop height? My last shop was formerly used as a barn so had a 15' or so height; I don't think I need anything that high but am thinking about 10 or 11 feet here. 6. I plan on adding a cnc to the shop at some point in the future. What are your thoughts about placement of this machine? Should be against a wall or ? Thanks very much for your outstanding Podcast. I really, really enjoy it and learn lots every time I listen. Ron Hi guys! I love the podcast and have almost caught up to the current episode. You guys really keep it to the topics, which is great!! I am currently working in my garage shop that is 18ftx14ft. I currently have a 10 inch job site table saw and I'm ready to upgrade to a cabnent saw. I am liking the Alpha HW110LC-36Pro but don't know much about them. I am also considering the Grizzly G0899. What are your thoughts on these saws. Thank you all and keep up the great work on the podcast!!! David Caraway

Hey bestie! Today's episode is extra special—I'm sitting down with my son, Corey Drevon Lewis.

In this Roofing Road Trips episode Karen Edwards catches up with Sherwin Williams' MetalVue OEM Program Manager, Brendan McGinnis and Sherwin Williams' Contractor Sales Representative for the MetalVue program, Heather McGinnis, to discuss how Roofing Passport works, which manufacturers are already on board, and how the integration with MetalVue removes barriers that often hold contractors back. Sherwin-Williams Roofing Passport is changing the way contractors approach metal roofing. This all-in-one platform streamlines estimating, design, and sales, helping contractors expand their services and meet growing customer demand. Whether you're already in metal or considering adding it, discover how Roofing Passport can drive new opportunities for your business.    Learn more at RoofersCoffeeShop.com!  https://www.rooferscoffeeshop.com/     Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up     Sign up for the Week in Roofing!  https://www.rooferscoffeeshop.com/sign-up     Follow Us!   https://www.facebook.com/rooferscoffeeshop/   https://www.linkedin.com/company/rooferscoffeeshop-com   https://x.com/RoofCoffeeShop   https://www.instagram.com/rooferscoffeeshop/   https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw   https://www.pinterest.com/rcscom/   https://www.tiktok.com/@rooferscoffeeshop   https://www.rooferscoffeeshop.com/rss     #SherwinWilliams #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry 

MetroHealth works to get out of the red Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textWelcome to Country Proud Living, where nurturing spaces empower your life and every day feels a little more like home.   Lori Lynn shares simple, soulful touches to create a cozy, calming home—whether you live in a farmhouse, cottage, or city apartment. Discover simple, soulful touches to turn your home into a cozy retreat. Lori Lynn shares tips on soft textures, natural elements, warm lighting, meaningful keepsakes, and calming colors to createSCrea a space that nurtures your mind, body, and spirit. These small, intentional touches make your home feel like a hug and remind you that you are worthy of peace and comfort.My recommended Sherwin Williams "Cottage Calm" Paint Colors:SW 9507 Cream & SugarSW 9104 Woven Wicker SW  6296 Fading Rose SW 6225 Sleepy BlueSW 6212 QuietudeCozy home, cottage calm, mindful home design, peaceful living, self-care at home, intentional decorating

In this Roofing Road Trips® episode, Heidi J. Ellsworth continues the conversation on steel and aluminum tariffs and explores what all of this means for contractors on the ground with industry expert Melanie A. Butler, director of trade and transportation compliance at Sherwin-Williams. From pricing volatility to supply chain slowdowns, we unpack the ripple effect these trade changes are having across the roofing industry. Learn what questions you should be asking your suppliers, how to protect your margins and why understanding where your materials come from has never mattered more. Whether you're sourcing metal locally or through distribution, this episode is packed with insights to help you stay informed, competitive and ready for what's next.   Learn more at RoofersCoffeeShop.com! https://www.rooferscoffeeshop.com/   Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up   Sign up for the Week in Roofing!  https://www.rooferscoffeeshop.com/sign-up   Follow Us!   https://www.facebook.com/rooferscoffeeshop/   https://www.linkedin.com/company/rooferscoffeeshop-com   https://x.com/RoofCoffeeShop   https://www.instagram.com/rooferscoffeeshop/   https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw   https://www.pinterest.com/rcscom/   https://www.tiktok.com/@rooferscoffeeshop   https://www.rooferscoffeeshop.com/rss     #SherwinWilliams #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry

Our guest today has been called a “soothing gut punch.” Rachel Druckenmiller brings the perfect mix of warmth and wake-up call that sticks with you long after the mic drops. She's a TEDx speaker, singer-songwriter, and award-winning entrepreneur who spent 13 years as a corporate HR leader before founding UNMUTED in 2019. Rachel's worked with leaders at Deloitte, Citizens Bank, and Sherwin-Williams, helping thousands of people step up, say YES, and show up fully at work and in the world. Named one of Forbes' Next1000 honorees, a 40 Under 40 Game Changer by Workforce Magazine, and a Best of the Stage Speaker by Smart Meetings, Rachel is known for reigniting the human spirit at work and helping people become their bravest, boldest, most UNMUTED selves. She married her college sweetheart, never turns down a dance party, and will absolutely steal the mic at karaoke. Connect with her on LinkedIn, Spotify, and on her website www.RachelDruckenmiller.com. Social Media Links: - Website: www.RachelDruckenmiller.com - LinkedIn: https://www.linkedin.com/in/rachelbdruckenmiller/ - Instagram: https://www.instagram.com/unmutedlife/ - YouTube: https://www.youtube.com/user/racheldruckenmiller - Spotify: https://open.spotify.com/artist/0u42nNEz1pAsJsoEcDkTvA?si=43gptFwPRtGbHh5pxFH6xQ

Send us a textWelcome to Country Proud Living, where nurturing spaces empower your life, and every day feels a little more like home. I am your host, Lori LynnWhether you live on a farm, in a cozy cottage, or a small city apartment, this design-lover's episode is filled with inspiration and timeless paint suggestions that will help you create a home that feels light, airy, and soul-soothing all summer long.I'm calling this episode “Sun-Kissed Style,” and I'll be walking you through 4 trending color palettes I created with Sherwin-Williams colors that blend beautifully with country-inspired living and slow summer days. You'll hear about:

Scott and Burke discussed the National Weather Service's flash flood warning for Eastern Dallas County, emphasizing the need to stay aware of surroundings and avoid flooded areas. Burke shared his experience dining at a fish place in North Canton, describing the food as excellent, particularly the onion rings and fish sandwich. They briefly discussed a local seafood restaurant in Dallas, and Burke mentioned his daughter Samantha's air conditioning issue at her apartment, which has since been fixed. Sam and Scott discussed their shared passion for racing, particularly dirt and sprint cars, and their experiences at various tracks. Sam shared her recent career achievements as a nurse, including a pay raise and new responsibilities, while Scott mentioned his upcoming job interview with Sherwin Williams. They also talked about their recent visits to the Cleveland Aquarium and Zoo, with Sam describing the Asian Lantern Festival currently underway. The conversation concluded with Scott playing a humorous introduction for a podcast called "The Davis and Davis Show," which Sam found amusing.Support this podcast at — https://redcircle.com/davisanddavis/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Wir sehen in Reaktion auf die seit gestern Abend gemeldeten Ergebnisse eine auf breiter Front negative Reaktion, mit den Aktien von GM, Coca-Cola, Philip Morris, Sherwin-Williams, Lockheed Martin, NXP Semiconductor und Synchrony Financial schwächer. Nur die Aktien von Northrop Grumman, D.R. Horton und Pulte Home tendieren nach den Ergebnissen freundlich. Neben dem gemischten Ertragsbild wächst die Sorge vor einer merklichen Anhebung der Zölle ab dem 1. August. Die EU scheint eine gegenüber Washington härtere Verhandlungsbasis einzunehmen. Insbesondere Frankreich drängt darauf keinen Deal um jeden Preis einzugehen. Die EU ist der mit Abstand größte Handelspartner der USA. Ein Podcast - featured by Handelsblatt. +++Erhalte einen exklusiven 15% Rabatt auf Saily eSIM Datentarife! Lade die Saily-App herunter und benutze den Code wallstreet beim Bezahlen: https://saily.com/wallstreet +++ +++EXKLUSIVER NordVPN Deal ➼ https://nordvpn.com/Wallstreet Jetzt risikofrei testen mit einer 30-Tage-Geld-zurück-Garantie!+++ +++ Alle Rabattcodes und Infos zu unseren Werbepartnern findet ihr hier: https://linktr.ee/wallstreet_podcast +++ Der Podcast wird vermarktet durch die Ad Alliance. Die allgemeinen Datenschutzrichtlinien der Ad Alliance finden Sie unter https://datenschutz.ad-alliance.de/podcast.html Die Ad Alliance verarbeitet im Zusammenhang mit dem Angebot die Podcasts-Daten. Wenn Sie der automatischen Übermittlung der Daten widersprechen wollen, klicken Sie hier: https://datenschutz.ad-alliance.de/podcast.html

Wir sehen in Reaktion auf die seit gestern Abend gemeldeten Ergebnisse eine auf breiter Front negative Reaktion, mit den Aktien von GM, Coca-Cola, Philip Morris, Sherwin-Williams, Lockheed Martin, NXP Semiconductor und Synchrony Financial schwächer. Nur die Aktien von Northrop Grumman, D.R. Horton und Pulte Home tendieren nach den Ergebnissen freundlich. Neben dem gemischten Ertragsbild wächst die Sorge vor einer merklichen Anhebung der Zölle ab dem 1. August. Die EU scheint eine gegenüber Washington härtere Verhandlungsbasis einzunehmen. Insbesondere Frankreich drängt darauf keinen Deal um jeden Preis einzugehen. Die EU ist der mit Abstand größte Handelspartner der USA. Abonniere den Podcast, um keine Folge zu verpassen! ____ Folge uns, um auf dem Laufenden zu bleiben: • X: http://fal.cn/SQtwitter • LinkedIn: http://fal.cn/SQlinkedin • Instagram: http://fal.cn/SQInstagram

Margo and Abby are back and diving into mosaic mania, bold color trends, and major shakeups in the creative world in this episode of Creative Current Events, a special segment of Windowsill Chats. This curious and timely conversation covers everything from headline-making news to the creative tools and trends shaping what's next. They unpack the big story of Michaels acquiring Joann Fabrics and what it could mean for artists, crafters, and small-town makers alike. They also explore the surprising team-up between Disney and Universal in a lawsuit against MidJourney that could reshape the future of AI-generated art, along with the rise of biophilic design, the comeback of mosaics, and Sherwin-Williams' new “loneliest” color.   Articles Mentioned: Michaels acquires Joann Fabrics Disney & Universal sue MidJourney over AI use Ariadne AI toolkit for arts education Top wall art trends for 2025 Biophilic design and color drenching Sherwin-Williams: The Loneliest Color Pantone Color of the Year in review Why mosaics are having a moment Vermeer's Girl with a Pearl Earring in 108 gigapixels Extreme mold threatening museum collections 12 traits of creative people Traits that will define next-gen creative leaders Meta used my book for AI training... and I didn't mind Find artist calls and open submissions Artwork Archive: Call for Entry My Friends by Hisham Matar James Clear's 3-2-1 Thursdays Connect with Abby: https://www.abbyjcampbell.com/ https://www.instagram.com/ajcampkc/ https://www.pinterest.com/ajcampbell/   Connect with Margo: www.windowsillchats.com www.instagram.com/windowsillchats www.patreon.com/inthewindowsill https://www.yourtantaustudio.com/thefoundry  

Australian-born Luke Mulcahy started in FP&A at larger businesses including Coates Group (internet leader in Sydney) and manufacturing company Sherwin-Williams. But for nearly 4 years he has loved having “wow” moments of finance insights with smaller companies. closer to the $5-10million range, where powerful insights are taken straight from finance to the CFO. In his words: “You can have those moments a lot more frequently with small business owners and just tell them what they're, what they're missing, what they haven't got eyes on.” In this episode: Forecasting energy consumption for a utility company in Australia The fear and strategy of becoming a fractional CFO  The ideal set up for FP&A in small businesses  Why big companies often have big data problems (and cleaning that data) Big FP&A wins in small business Solving the date problem in Excel 

In this episode, Rich shares how his circuitous career path—from managing Sherwin Williams stores and steering BYU Hawaii's finances, to consulting for companies nationwide—shaped his philosophy: it's not about having all the answers, but about asking the right questions. You'll hear why he believes coaching is essential for business leaders who want to pause, reflect, and get perspective beyond the daily “whack-a-mole” of challenges.Rich also draws on powerful anecdotes from his own life and Harvard Business School to highlight the importance of staying aligned with your true purpose, adapting your vision as times change, and balancing professional success with personal fulfillment. Whether he's taking clients canyoneering or questioning boardroom decisions, Rich's approach is all about being fully present and invested in growth—not just financial, but holistic.Learn more about Rich here: https://ceobuilder.com/https://www.linkedin.com/in/rich-tyson/https://amzn.to/4ilz0ah

In this episode, World Oil speaks with Chet Garrett, FM Coating Specialist, Sherwin-Williams Protective & Marine, on the use of coatings in oil and gas assets protection. This includes utilizing specialized coatings to increase the life of assets, decreasing maintenance costs, increasing safety, and much more.

In this episode of Conversations with Rich Bennett, marketing powerhouse Julie Matzen joins Rich and co-host Michelle Hayes to share how her innovative platform, Boarderline, is transforming the way small and mid-sized businesses access expert marketing advice. Julie explains how AI, strategic planning, and curated advisory boards are giving entrepreneurs affordable access to top-tier knowledge, without burning through budgets. A must-listen for anyone looking to launch or grow a business in today's digital world. Guest: Julie Matzen Julie Matzen is a seasoned marketing expert with over 25 years of experience working with major brands like Sherwin-Williams, Oura, and Yale Smart Locks. She is the founder of Mayday Agency and co-founder of Boarderline, a groundbreaking advisory platform that connects startups and small business owners to elite industry experts. Julie's mission is to make high-level guidance accessible to entrepreneurs at every stage of growth. Main Topics: ·         Julie's path from PR to founding a full-service ad agency·         The birth and mission of Boarderline·         Common marketing mistakes small business owners make·         Why “everyone is not your customer”·         How to use AI effectively—and what to avoid·         Strategic planning and the importance of a business plan·         PR vs. paid media: what works and why·         How to build an advisory board on a budget·         The future of advertising and attribution in a post-cookie world·         Why personalization and strategy matter more than “cute content” Resources mentioned: ·         Mayday Agency (Julie's marketing agency)·         Boarderline – Business advisory platform·         Sherwin Williams, Cricut, Oura Ring, Yale Smart Locks, Master Lock·         Brad DeLava – Media expert at Borderline·         Janet Notardonato – Market research expert at Borderline·         Authority Magazine (Medium.com feature)·         LegalZSend us a textPre-order your copy todaySupport the showRate & Review on Apple Podcasts Follow the Conversations with Rich Bennett podcast on Social Media:Facebook – Conversations with Rich Bennett Facebook Group (Join the conversation) – Conversations with Rich Bennett podcast group | FacebookTwitter – Conversations with Rich Bennett Instagram – @conversationswithrichbennettTikTok – CWRB (@conversationsrichbennett) | TikTok Sponsors, Affiliates, and ways we pay the bills:Hosted on BuzzsproutRocketbookSquadCast Contests & Giveaways Subscribe by Email

GDP Script/ Top Stories for May 27th Publish Date: May 27th From The BG AD Group Studio, Welcome to the Gwinnett Daily Post Podcast. Today is Tuesday, May 27th and Happy Birthday to Stevie Knicks I’m Peyton Spurlock and here are your top stories presented by KIA Mall of Georgia Dacula middle schooler back to ballet and school after heart transplant New principals named for Lovin Elementary, Richards Middle Two Juveniles Charged With Felony Murder In May 15 Shooting Of Lilburn Teen All of this and more is coming up on the Gwinnett Daily Post podcast, and if you are looking for community news, we encourage you to listen daily and subscribe! Break 1: Kia MOG (07.14.22 KIA MOG) STORY 1: Dacula middle schooler back to ballet and school after heart transplant Gracelyn “Gracie” Miller, a 7th grader from Dacula, underwent a life-saving heart transplant in February after being diagnosed with dilated cardiomyopathy. Just 24 hours after being listed for a transplant, a new heart became available, and her surgery at Children’s Healthcare of Atlanta was a success. Gracie quickly recovered, returning home in 10 days and resuming school, ballet, and her favorite activities. This summer, she looks forward to swimming, seeing friends, and attending CHOA’s Camp Braveheart for transplant recipients. Gracie embraces her journey, saying her scar symbolizes her second chance at life. STORY 2: New principals named for Lovin Elementary, Richards Middle Lovin Elementary and Richards Middle School in Gwinnett County are welcoming new principals this summer. Bridgett S. Brown, with 19 years in Gwinnett County Public Schools, will lead Lovin Elementary, replacing Kevin Payne. Brown has served as a teacher and assistant principal, most recently at Lawrenceville Elementary. Felisha E. Witcher-Caldwell, with 17 years at Richards Middle, will take over as principal following Mark McCain's retirement. She has progressed from teacher to assistant principal at Richards since 2008. Both bring extensive experience and dedication to their new roles. STORY 3: Two Juveniles Charged With Felony Murder In May 15 Shooting Of Lilburn Teen A 17-year-old from Lilburn, Andrew Gatlin, was killed, and two others were injured in a May 15 shooting in unincorporated Norcross. Police said the incident occurred after a disagreement led to gunfire on Pirkle Road. Gatlin succumbed to his injuries at a hospital, while the other two individuals sustained non-life-threatening injuries. Two juveniles are charged with felony murder, aggravated assault, and firearm possession. The investigation is ongoing, and police urge anyone with information to contact detectives or Crime Stoppers for anonymous tips and potential rewards. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info. We’ll be right back Break 2: Ingles Markets 2 STORY 4: Family Pets Killed As Fire Displaces Family of 5 In Dacula A Dacula family of five was displaced after a fire destroyed their home on Friday morning, claiming the lives of several pets. Firefighters responded quickly to the blaze, which started on the back deck and spread to the attic and second floor. The fire was controlled within 25 minutes, but structural collapse concerns required demolition equipment. No injuries were reported, as the family was not home at the time. The fire was deemed accidental, caused by discarded smoking materials. The family is staying with relatives and declined Red Cross assistance. STORY 5: Johns Creek Business Helps Duluth's Rainbow Village With A 'Fresh Coat' Isabel Calero, a Johns Creek resident with a corporate background, co-founded Fresh Coat Painters of Johns Creek with her husband Diego Berto three years ago. The business, serving multiple metro Atlanta areas, also focuses on community service through its Fresh Coat Cares initiative. Recently, they partnered with Duluth-based Rainbow Village, a nonprofit aiding families to avoid homelessness, to repaint 30 apartment doors in Sherwin Williams’ Positive Red. Calero emphasized the joy of giving back and strengthening community ties, with plans for future collaborations with Rainbow Village and other nonprofits. Break: STORY 6: FULL RIDE: 30 GCPS Graduates Earn QuestBridge Scholarship Thirty Gwinnett County Public Schools seniors have been awarded QuestBridge National College Match scholarships, covering their entire college education. QuestBridge, a nonprofit connecting high-achieving, low-income students with top colleges, guarantees full four-year scholarships through early admission to its 48 partner institutions. These colleges provide financial aid covering 100% of demonstrated need, ensuring affordability for recipients. STORY 7: Mill Creek Promotes Sam Meers to Head Boys Soccer Coach Mill Creek has promoted Sam Meers to head boys soccer coach for the 2025-26 school year, following Stephen George’s departure for a club soccer role. Meers, an assistant coach since 2018, has been integral to the program’s success, including a Final Four run in 2025. A former goalkeeper, Meers brings experience as a varsity assistant, JV coach, and goalkeepers coach. He’s excited to build on the program’s culture and success with a young, dedicated roster. Joining him is veteran coach Mike Burrell, adding experience to the staff. Meers aims to continue competing for region titles and playoff success. Break 4: Signoff – Thanks again for hanging out with us on today’s Gwinnett Daily Post Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.gwinnettdailypost.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com  www.kiamallofga.com #NewsPodcast #CurrentEvents #TopHeadlines #BreakingNews #PodcastDiscussion #PodcastNews #InDepthAnalysis #NewsAnalysis #PodcastTrending #WorldNews #LocalNews #GlobalNews #PodcastInsights #NewsBrief #PodcastUpdate #NewsRoundup #WeeklyNews #DailyNews #PodcastInterviews #HotTopics #PodcastOpinions #InvestigativeJournalism #BehindTheHeadlines #PodcastMedia #NewsStories #PodcastReports #JournalismMatters #PodcastPerspectives #NewsCommentary #PodcastListeners #NewsPodcastCommunity #NewsSource #PodcastCuration #WorldAffairs #PodcastUpdates #AudioNews #PodcastJournalism #EmergingStories #NewsFlash #PodcastConversations See omnystudio.com/listener for privacy information.

In this edition of I Hear Design, host Robert Nieminen delivers a wide-angle view of the current architecture, design, and construction landscape in 2025. Drawing from recent reports and economic indicators—including the AIA Billings Index, Sherwin-Williams' Construction Insights survey, and research from firms like Gensler, Perkins&Will, and Corgan—this episode unpacks the forces reshaping the built environment. We explore the lingering impact of economic uncertainty, new tariffs, and supply chain delays, as well as emerging opportunities in wellness real estate, experience-driven placemaking, and carbon transparency. Plus, you'll learn how new tools like mass timber carbon calculators and healthier materials lists are helping design teams make smarter, more sustainable choices. Topics Covered: What's driving delays and cautious investment in construction and architecture How wellness and experiential design are commanding premium value Why carbon benchmarking and healthier material standards are becoming essential The Gen Z effect on urban design and multifamily development Whether you're navigating tough market conditions or planning your next project with performance and impact in mind, this episode is packed with insights to help you lead with purpose and resilience. Show Notes: Associated Builders & Contractors Monthly Construction Economic Survey Shows Tariff Impacts Emerge AIA Architecture Billings Downward Trajectory Continues Sherwin-Williams Finds 9 in 10 Construction Pros Face Costly Delays Corgan Unveils CO2e Emissions Calculator for Mass Timber The Rise of the Experiential Economy | US – Cushman & Wakefield Uncovering Growth: Wellness Real Estate Across the Market – Gensler Perkins&Will Releases Advanced Guidance on Material Health and Embodied Carbon

Nick Lavery, an active-duty Green Beret in the US Army Special Forces, a combat-wounded warrior, an author, keynote speaker, and entrepreneur joins me on this episode. Nick's awards include the Silver Star, three Purple Hearts, two Bronze Stars, Bronze Star with “V” for valor, Defense Meritorious Service Medal, two Meritorious Service Medals, Joint Service Commendation Medal, Joint Service Achievement Medal, two Army Commendation Medals, Army Achievement Medal, the OSS Society Peter Ortiz Award, the Bruce Price Leadership Award, and the Special Operations Command Excalibur Award. Nick's list of clients includes the Boston Celtics, Milwaukee Tool, Sherwin Williams, The FBI, the Department of Veterans Affairs, Habitat for Humanity, and many others.

In this summer issue, timed with the 2025 NBAA Schedulers & Dispatchers Conference in New Orleans, we spotlight North America's dynamic aviation scene. Avfuel leads with major moves in sustainable fuel, while flyExclusive and Sherwin-Williams impress with high-end aircraft paintwork. magniX pushes boundaries in electric aviation with Riona Armesmith at the helm. We hear from standout FBOs like Northstar Jet in Missoula, working alongside Neptune Aviation in vital firefighting missions. GPS jamming and spoofing also come into focus, with expert warnings from L3Harris and Osprey Flight Solutions. Despite political uncertainty, there's optimism—especially from Avfuel's CR Sincock—about state-level sustainability efforts and strong ESG commitments. We also look ahead to EBACE 2025, now fully led by the European Business Aviation Association, with fresh insights from COO Robert Baltus.

The Boys dive into their favorite chicken recipes - from beer can chicken with lime juice tricks to perfectly crispy chicken parm - before jumping into their latest woodworking projects and workshop adventures.Ross shares his creative repair solution for a customer's sentimental checkerboard, using wood glue mixed with sawdust and stain to fill gaps while preserving the original character made by the customer's father.The woodworkers debate the best approaches for repairing heirloom furniture pieces, with all agreeing that preserving original character matters more than technical perfection when dealing with sentimental items.Jess recounts his challenging "Shutter Saga" of mounting custom shutters on difficult Coquina walls (seashells embedded in stucco), requiring expensive stainless hardware and creative mounting techniques for waterfront conditions.Colton details his wedding project success creating a custom domino table that guests could carve signatures into, plus his cabinet door paint struggles that were saved by Zinsser BIN shellac-based primer.The podcast reveals professional painting secrets, including using 3/8 microfiber "hot dog" rollers for cabinets and why Zinsser BIN primer (which contains insect secretions!) is the miracle solution for difficult surfaces.Essential woodworking nugget: "Hold it up and mark it" emerged as Jess's top tip for precision, while Ross discovered that simply moving a table saw fence to the opposite side of the blade dramatically improves safety and support.Fascinating woodworking history lesson covers workbench evolution from ancient Rome through Medieval Europe to modern designs, noting how traditional Roubo and Nicholson benches are making a comeback in the hand tool renaissance.Paint technology trivia reveals Sherwin-Williams introduced latex paint in 1941, titanium dioxide provides paint opacity, and acrylic paints were first developed for artists in the 1950s before revolutionizing home painting.The podcast showcases the camaraderie of woodworkers sharing practical shop knowledge with humor and real-world solutions to common woodworking, finishing, and home improvement challenges.

Kirk Lipes, Global Transportation Segment Director at paints and coatings manufacturer Sherwin-Williams, shares his insight on unique needs and opportunities within the market. Topics include challenges and historical limitations; newer technologies and processes to improve performance; feedback from customers and applicators; collaboration opportunities; and more.

In der heutigen Folge von „Alles auf Aktien“ sprechen die Finanzjournalisten Daniel Eckert und Nando Sommerfeldt über einen BASF-Deal, sagenhafte Rheinmetall-Aufträge und über die Politik, die endlich auf Macher aus der Wirtschaft setzt. Außerdem geht es um Nvidia, Merck KGaA, SpringWorks Therapeutics, Akzo Nobel, Sherwin Williams, Deutsche Börse AG, FlatexDegiro, E.on, Siemens Energy, Friedrich Vorwerk, Thyssenkrupp Nucera, Ceconomy, BestBuy, Fnac Darty, Mota-Engil (WKN: 896770), Sonae (WKN: A0QZ4X), Jerónimo Martins (WKN: 878605), Galp Energia (WKN: A0LB24), EDP Energias de Portugal (WKN: 906980), Banco Comercial Português (WKN: A2ATK9) und BYD (A0M4W9). Wir freuen uns an Feedback über aaa@welt.de. Ab sofort gibt es noch mehr "Alles auf Aktien" bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter.[ Hier bei WELT.](https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html) [Hier] (https://open.spotify.com/playlist/6zxjyJpTMunyYCY6F7vHK1?si=8f6cTnkEQnmSrlMU8Vo6uQ) findest Du die Samstagsfolgen Klassiker-Playlist auf Spotify! Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. Außerdem bei WELT: Im werktäglichen Podcast „Das bringt der Tag“ geben wir Ihnen im Gespräch mit WELT-Experten die wichtigsten Hintergrundinformationen zu einem politischen Top-Thema des Tages. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? [**Hier findest du alle Infos & Rabatte!**](https://linktr.ee/alles_auf_aktien) Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Scott Wapner and the Investment Committee debate the state of stocks and the moment of truth for mega-cap tech. Calls of the Day include Eli Lilly, UnitedHealth, and Chipotle. Bill Baruch calls in with a new trade ahead of earnings. The Setup is on Visa, AstraZeneca, Sherwin-Williams, and S&P Global.Investment Committee Disclosures

Welcome back to another episode of the Elite Expert Insider podcast! Today, we're diving into the dynamic world of business leadership with Rich Tyson, founder of CEO Builders. With over 35 years of experience, Rich has transformed from globe-trotting executive to empowering local business leaders in Utah. His journey spans from his early days at Harvard Business School, through transformative roles at companies like Sherwin Williams and Avery Label, to his unique approach to CEO coaching. Rich's philosophy centers on asking the right questions and aligning personal and business purposes for true fulfillment. Learn More: https://ceobuilder.com

In this Roofing Road Trips® episode, Megan Ellsworth is joined by Central States' Senior Marketing Manager, Melissa Dunson, and Stonegate CEO and Sherwin Williams' MetalVue Partner, Chris Morris, to discuss the exciting trend of roofers expanding into siding services and exploring how roofing and siding naturally complement each other. They'll talk about cutting-edge innovations like metal board and batten siding with hidden fasteners, which are revolutionizing the exterior cladding industry with their durability, low maintenance and modern style. As Central States gears up to launch their board and batten product nationwide, Melissa and Chris will break down its game-changing impact sharing valuable insights for roofers looking to add siding to their offerings and how to access these innovative products while successfully navigating this growing market.   Learn more at RoofersCoffeeShop.com! https://www.rooferscoffeeshop.com/   Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up   Sign up for the Week in Roofing! https://www.rooferscoffeeshop.com/sign-up   Follow Us!   https://www.facebook.com/rooferscoffeeshop/   https://www.linkedin.com/company/rooferscoffeeshop-com   https://x.com/RoofCoffeeShop   https://www.instagram.com/rooferscoffeeshop/   https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw   https://www.pinterest.com/rcscom/   https://www.tiktok.com/@rooferscoffeeshop   https://www.rooferscoffeeshop.com/rss     #CentralStatesMfg #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry 

Send us a textScott J. Allen, Ph.D., is an award-winning educator passionate about working with people at all levels and across industries. He serves as an instructor in SMU's Cox School of Business Executive Education and spent more than 18 years as a professor of management. Allen's areas of expertise include leader development, the future of work, and executive communication. Scott has published more than 60 peer-reviewed articles and book chapters. He's the co-author of several books and hosts Practical Wisdom for Leaders, ranked among the world's top 2.5% of podcasts. Along with the podcast, he publishes a weekly newsletter.Scott frequently serves as a keynote speaker. In addition, he consults, facilitates workshops, and leads retreats across industries. Recent engagements include Catholic Charities, Cleveland Leadership Center, Key Bank, Federal Reserve Bank of Cleveland, Progressive, Nestle, EY, Siegfried Group, Dallas Area Rapid Transit, Sherwin Williams, Whiting-Turner, Builder's FirstSource, Vocon, CID Design Group, Toyota Motor North America, Lexus, Crestron, NASA-Glenn, Sam's Club, Elbit America, Oatey, Lubrizol, Enbridge (Dominion), Endeavor Energy Resources, Scout Energy Partners, First Energy, TransAlta, FedEx Custom Critical, Thompson Hine LLP, Nordson, Beacon Oral Specialists, and Cleveland Clinic.Scott served on the board of the International Leadership Association, Association of Leadership Educators, and Management and Organizational Behavior Teaching Society. He was named an ILA Fellow by the International Leadership Association in 2021.Thanks to Martin Gutmann for interviewing! A Few Quotes From This Episode“If you'd asked me in 2020, I would've said I knew a lot about leadership. But now I see just how much I didn't—and still don't—know.""This podcast has systematized my learning. Every week, I'm talking with someone who knows more than I do.""Maybe I've reached base camp, but Everest is still ahead."About The International Leadership Association (ILA)The ILA was created in 1999 to bring together professionals interested in studying, practicing, and teaching leadership. Plan for Prague - October 15-18, 2025!About  Scott J. AllenWebsiteWeekly Newsletter: Practical Wisdom for LeadersBlogMy Approach to HostingThe views of my guests do not constitute "truth." Nor do they reflect my personal views in some instances. However, they are views to consider, and I hope they help you clarify your perspective. Nothing can replace your ♻️ Please share with others and follow/subscribe to the podcast!⭐️ Please leave a review on Apple, Spotify, or your platform of choice.➡️ Follow me on LinkedIn for more on leadership, communication, and tech.

Kirk Lipes, global transportation segment manager at coatings manufacturer Sherwin-Williams, shares his insight on unique needs and opportunities within the market. Topics include challenges and historical limitations; newer technologies and processes to improve performance; feedback from customers and applicators; collaboration opportunities; and more.

Join us for this Coffee Conversations, sponsored by Sherwin-Williams, as we discuss how the 25% tariffs on steel and aluminum imports will affect the metal construction industry. Hear from industry experts who break down the history of steel tariffs and their immediate financial impact on metal manufacturers and contractors. They explore the challenges to supply chains, the differences between residential and commercial metal markets and strategies companies can use to stay ahead. Whether you're a contractor, supplier or just curious about the future of the metal industry, don't miss this crucial discussion that explores how tariffs are reshaping the metal construction landscape!   Learn more at RoofersCoffeeShop.com!  https://www.rooferscoffeeshop.com/     Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up     Sign up for the Week in Roofing!  https://www.rooferscoffeeshop.com/sign-up     Follow Us!   https://www.facebook.com/rooferscoffeeshop/   https://www.linkedin.com/company/rooferscoffeeshop-com   https://x.com/RoofCoffeeShop   https://www.instagram.com/rooferscoffeeshop/   https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw   https://www.pinterest.com/rcscom/   https://www.tiktok.com/@rooferscoffeeshop   https://www.rooferscoffeeshop.com/rss     #SherwinWilliams #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry 

Register here for the live online event to learn about ‘Cleveland's Amazing Cash Flow Opportunities on Thursday, 3/20. Keith discusses the current state of the real estate market, highlighting that single-family rents have risen 41% since pre-pandemic times, while multi-family rents have increased by 26%. Single-family rents have been rising faster than prices for nine months, benefiting investors.  Austin, Texas, is an example of how increased supply can lower rents, as seen in their drop in rents after the city relaxed building regulations.  Real estate strategy expert, Phil, joins us and explains how this niche method can offer high leverage and cash flow. Show Notes: GetRichEducation.com/544 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE I'm your host. Keith Weinhold, build it and rents will fall. I discuss the direction of rents and prices. Then a real estate strategy for all time that can generate 8x leverage with investor cash flow and the exact city that could be the most advantageous for it today on get rich education.    since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:13   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:29   Welcome to GRE from elizabeth new jersey to Elizabeth, Colorado and across 188 nations worldwide. I'm Keith Weinhold, get rich education, founder, Forbes real estate council member, Best Selling Author and long time real estate investor, you are inside, get rich education. What's that all really mean? Ah, I'm just another slack jod and snaggletooth podcaster.nationally, rents for single family homes are growing faster than for multi family apartments. Okay, that you might have already known, because for a few years, we've been in this era where available single family rentals are scarce and apartments are closer to being adequately supplied across the nation. We're now at the point where median single family home rents are up 41% since those blissful and Halcyon pre pandemic days, and yet, multifam rents are up just 26% since that time. So it's 41 versus 26 and that's all according to a new report from Zillow. Now you probably listen to this show every week, so although that might be a helpful update, you probably don't find those facts surprising at all. But here's a more nascent trend that could surprise you. Every single month for the past nine months now, single family rents have risen faster than single family prices. Yeah, the John Burns home value index is up 3.3% annually, and the rent index shows that those rents are up 3.6% so 3.6 versus 3.3 really not a big gap there, but single family rents rising faster than prices for nine months. You know that's exactly what swings things into your favor as a real estate investor, it increases your ratio of rent income to purchase price. This has been happening because for someone that needs housing out there, paying rent has looked more affordable than buying a home. So then those things have to soon come back into balance. Now you remember that five months ago, I visited Austin, Texas, walked the streets and with all of the new building of apartment towers there, I called it America's oversupply, ground zero for apartments. Well, I'm not sure if you've noticed, but here, a few months later, major media sources are now reporting on the same thing that I was telling you about on the ground five months ago, and this is really insightful for real estate investors in a real world case study that will be on every intro to economics syllabus this fall, rents in Austin, Texas plunged. They fell 22% from their peak a couple years ago after the city accelerated permitting processes and scaled back the rules on building height, and this is exactly what created Austin's apartment supply surplus and therefore lower prices for renters. Bloomberg was the one recently reporting on this. So Austin's, if you build it, rents will fall mantra that created about 50,000 new units over just the past two years, a 14% increase. I mean, that is the biggest spike in supply of any US city. Over that time, just tons of cranes in the air. And by the way, the median asking rent in Austin, Texas is now $1,400 remarkably, though, that is down a full 400 bucks from the height of the pandemic. I mean, that is such an aberration That is so weird and rare. Yeah, Austin rents dropped from $1,800 down to $1,400 in in fact, that is so weird, and they've fallen so much that notoriously pricey Austin is no longer the most expensive city in Texas. It's now DFW. And you know, this is astounding on a few levels, because typically rents are even more stable than home prices. Gosh, but now to take off our investor hat for just a minute. Don't worry, we'll put it right back on. This is what society needs. I mean, how in the world are we the nation that put a man on the moon in 1969 yet we can't house our own people today. It's what I've discussed before. We need to build more. If you build it, rents will fall. If you build it, home, prices will become affordable. Again, we're not doing enough of that. Not enough places are following Austin's model. Up zoning, as I've told you before, up zoning. That's the name for allowing taller building heights. And you know what? That's something that both developers and environmentalists often like. Both types developers get what they want, and environmentalists know that housing and the economics of that are more efficient. There's less energy use in everything when we build up and we build apartments rather than single family homes, Austin relaxed regulations and they got it done. So congrats to them. I mean, that is a model for what we can do to address not only housing affordability, but the swelling homelessness problem like I enjoy talking about as well. So yeah, congrats, Austin, though you might have gotten too far ahead of your growth for the short term. America really needs the housing so thank you.    Now here's some ominous news for society and the economy. I wouldn't make too much of it yet, but the Atlanta Fed tracker has plunged. They're now forecasting a shrinking economy this quarter, minus one and a half percent. GDP is a projection which that gets us going down into recession territory, and part of the reason for that is this recent drag in consumption. But news like that can come and go, and we all know how frightfully just laughably bad recession predictions have been for years. We haven't had one in five years. So I want you to get the longer term lesson here, because things pop up like this over time. What usually happens to real estate in a recession? Because we know that there's going to be one. No one knows when. What happens is that unemployment rises. That is bad, home prices go up. Yes, home prices typically rise modestly in a recession. Just remember, since World War Two, home prices only fell significantly in one period, and it was a bad one in those years around 2008 what happens to interest rates? Interest rates of all kinds. In a recession, they fall. Interest rates fall. The Fed make sure that happens, and the reason for that is rates fall because the economy needs the help to review what you've learned so far today, single family rents are rising faster than apartment rents. Single Family rents are rising faster than single family home prices, although not by much. And Austin is proof that if you build it, prices will fall. And during recessions, residential real estate is a good place to be. Then let's say it's a widespread job loss recession as we pivot into the core content of today's show, you're probably quite familiar with the turnkey real estate investing model, where ideally on day one of your property ownership, your income property is either new or renovated. There's a tenant in it. It's under management, and you might even get a little trickle of tenant rent at the closing table. All right, but instead, what if you had six months of patience you own the property for those months through the renovation, and what's your reward for doing that? It is both high leverage and high cash. Flow, potentially, and usually those notions are antagonistic. High leverage means low cash flow and vice versa, but not with what we're talking about today, my expert guest and I discuss how you can have both the cash flow, which is like your spending money, and the leverage that constitutes your long term wealth growth, and he has bought, renovated and sold more than 2000 properties. And my guest and I go back more than 10 years before I go to break where you hear who sponsored the show this week, I have a trivia question for you, and you'll see what this has to do with our episode soon enough, Ohio has six cities with a population of 100,000 or more. Name them. Name those six Ohio cities. I'll give you your answer later. I'm Keith Weinhold. You're listening to get rich education.   You know what's crazy, your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lock ups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text, family to 66866, to learn about freedom. Family investments, liquidity fund, again. Text family to 66866,    hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation, because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com, that's Ridge lendinggroup.com.    Richard Duncan  12:46   This is Richard Duncan, publisher and macro watch, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  13:02   We were last graced with the presence of this week's guest about two and a half years ago. Since then, we had dinner together in Boston. He is a long time experience expert in the real estate BRRRR strategy will explain, and he knows just the exact few markets where the strategy really works and where it doesn't, and he explains how this can deeply accelerate your ROI and your portfolio growth and get this he's been a real estate investor since he bought his first rental property in 1978 he's been working the burst strategy and mentoring others on it since before there even was a burr acronym, brrr, he has mentored and coached more than 5000 investors. Oh, it's great, Phil, welcome back onto the show.   Phil Alexander  13:54   Keith. Thanks so much. It's such a pleasure to be here. It's always great to see you, and the time really flew from when we were able to break bread together in Boston, which is my hometown. And as I recall, we went to America's oldest restaurant, the union Oyster House, which was a fun experience   Keith Weinhold  14:14   right, where there are lobsters crawling all over the place. Yeah, that was a cool distinction to meet with you in America's oldest restaurant there in Boston. Pretty unforgettable. Phil, though you're from Boston, well, that's not really where the cash flowing numbers work so much you're an expert in the art of the BRRRR  the real estate, buy, rehab, rent, refinance and repeat strategy, and then we'll discuss the market that you say is number one in the USA for this so really high level, big picture. For those that don't know, what is the burr strategy? What makes it so compelling?   Phil Alexander  14:55   There are a lot of different ways Keith to discuss the burr. Strategy. It really is nothing more than a turnkey property. However, in the old days, I'll say, you know, I've been in the business for over two decades, we would sell turnkey properties, and a buyer or investor would come to us, and we'd show them a number of properties that were available. They'd pick one, we'd renovate it, and then they would have it inspected, and then we would correct against that ugly inspection report, and then they probably would be using leverage, so there'd be an appraisal, and then we'd put a qualified tenant in place. And after all that had happened, we would close on the property, and they'd be cash flowing from day one. There's nothing wrong with that approach and strategy. It's very conservative, but relative to the burst strategy, Keith The one big element that's missing in the classic turnkey model, there's no built in equity. And what the burst strategy does is it allows the investor to create value through that renovation, and it's nothing more really than a developer himself or herself does when they renovate the property to create value, and in doing so, you then wait a prescribed period of time, often called a seasoning period, and then you do a cash out refi to pull out that built in equity that you created yourself. And the idea then is to recycle that cash and buy into your next property.   Keith Weinhold  16:35   Why don't you give us a real example with some numbers?    Phil Alexander  16:40   Let's say you could find a place. Now, anybody in California is going to listen to this say this doesn't happen because you can't buy houses for this. But trust me, you can't. You buy a house for $60,000 you renovate it for $40,000 that means you have $100,000 invested in that property. However, you bought that house because you knew, once renovated, it was likely to be worth, let's say, conservatively, 120,000 and yet, when you go and do the cash out refi often at six months from the time you acquired the property in the first place, you're going to be able to pull out up to 75% of that appraised value. I'll do the math for you quickly. 75% of that $120,000 is $90,000 you only put 100,000 into the property in the first place. So at a glance, that suggests that you've gotten this property for $10,000 Well, to be fair, you do have closing costs. So let's say the closing costs and the finance fees on that cash out refi loan are about $5,000 so in essence, for $15,000 you now own a property worth 120,000 now an illustration of the value of this BRRRR strategy is if you were to go and buy that very same house, 420,000 renovated, tenanted, cash flowing, it would cost you 20% down, which would be $24,000 plus finance fees and closing costs would push it to or over $30,000 here's the bottom line. Would you rather get it so it's cash flowing from day one after closing, no built in equity and 30 or $32,000 out of pocket? Or would you rather get it where you only have 15,000 out of pocket? And I can do the math on that and tell you that you're more than doubling your cash on cash return with the BRRRR strategy   Keith Weinhold  19:07    yes, and you've also increased your leverage ratio in the example that you gave after waiting six months, much of which includes waiting for that rehab to take place, you have A 120k property. Like you said, you only have 10k into it. Maybe add five more K to that for closing costs and such. So you've got 15k into a 120k property. That is an eight to one leverage ratio,   Phil Alexander  19:33   exactly. And there are numerous other examples, typically speaking, Keith in good investor advantaged markets with the burst strategy. You can expect after leverage, after that, cash out refinance loan to be netted in the range of 200 to $250 per month cash flow. That's the rental property the. Less all of the direct expenses, less your monthly payment on the loan. Your net positive cash flow every month is between 202 150 in most good markets,   Keith Weinhold  20:13   that is really good on a single family home, because typically when you have a higher leverage ratio, when you're borrowing more, that really crunches your cash flow. But in this terrific example that you gave, it does not So Phil to help distinguish the burr strategy from an investor buying a turnkey property. To make that distinction, I think of the turnkey provider is really already doing the first three letters of the BRRRR acronym for you, because the turnkey company, they buy it, they rehab it, and they rent it before selling it to you. They're doing the first three for you here, when you hang around for all five letters of the acronym, you can be the beneficiary of what you just described.    Phil Alexander  20:58   Spot on, Keith, that's exactly right. The bottom line is, I think a game changer for our company of late is that we have found a market where you could earn two to three times the net positive cash flow on a monthly basis with the BRRRR strategy.    Keith Weinhold  21:19   Yes, we're going to get into just where that market is, the number one market in the USA for the burr strategy, in Phil's opinion. But Phil, I think before some people wrap their head around the BRRRR strategy, sometimes they consider the investor doing this themselves. What's intimidating about doing BRRRR by yourself is that first R in the burr strategy, the rehab, it seems like a nightmare, especially across state lines for an investor to find and retain and to manage contractors, but you have a system where this is all integrated.   Phil Alexander  21:57   exactly, you Know, Keith, I consider the two biggest pain points for an early investor is actually that first letter the B. You can buy properties anywhere, but the trick and the key is to buy a property that you know, with proper renovation of a rental standard, in fact, will be worth, generally, 20 to 30% more than your out of pocket cost. The second pain point is the construction component, finding a contractor, managing a contractor, keeping the contractor on the job and productive and not running away with your money.   Keith Weinhold  22:44   We make you lose faith in humanity. Yeah,   Phil Alexander  22:48   yeah. We don't really even need to go into detail more on that, but you're absolutely right, and what we do, which I think has made a significant difference, we have our own crews. We're able to have the projects managed. We have detailed scopes of work, for example, that detail line by line, item by item, the scope of work and the draw schedule to renovate a property and deliver it on time, on budget, without exception,   Keith Weinhold  23:21   tell us about the track record of the team in the contractors. I think most people's bad experience starts with day one, when the contractor shows up 45 minutes late with beer on their breath.   Phil Alexander  23:35   It could be, it could be, I am blessed. Currently, I'm active in three markets, although during my career, I've worked in 19 different markets around the country, not become fickle, but because markets do come and go. But I'm in Baltimore and Philadelphia and Cleveland right now, and the bottom line is that I have cruise boots on the ground in every market, and my one general contractor that oversees all three markets, he's been with me for over 15 years. As you mentioned earlier, I've been in the business for over two decades. We've just been doing this, like you said, since before there was an acronym to what we were doing. It's just a sensible thing to do. We know each other well. We get the scope of work done accordingly. That's something that we, with pride, say is a guaranteed number, which you don't often find in this business. Meaning if we have not gotten it right, if we have screwed it up, if we find something that we missed when we were, you know, reviewing the house and drawing together the scope of work, that's not the client's problem. That's our problem. If we say the rehab is 50,000 the rehab is 50,000 period there is no cost overrun.   Keith Weinhold  24:58   We don't want. Contractors smelling like Michelob Ultra we want contractors smelling like sawdust and WD 40. But Phil, you talked about the specific markets that you work in because they're burr advantage markets, Cleveland, Philadelphia and Baltimore. Tell us about the one that is number one in the nation right now, and why   Phil Alexander  25:21   Cleveland, Ohio. And it's not because my dad was from Cleveland. When we were kids, we all played I haven't met one person who hasn't on a seesaw, if you recall, you know, and now in your mind's eye, imagine the seesaw. One end is home prices and the other end is annual return. When the home prices are high, the returns are low. When the home prices are lower, the returns are higher. That's why, sadly, for virtually everybody on the West Coast, my hometown of Boston, New York, Washington, DC, South Florida. These are amongst, to put it bluntly, the worst markets in the country to try and cash flow positive. What makes Cleveland, however, especially unique. I'm oversimplifying, perhaps, but it is blessed to have both lower home prices than most markets, but very healthy real world rents, and that's a juxtaposition that causes extreme cash flows. I think at the current moment, I might have one property that doesn't cash flow 500 or more dollars per month, net positive cash flow, as we were discussing, 200 to 250 is normal for a good market, even in my other markets of Baltimore and Philadelphia. But you come to a market like Cleveland, and it's absolutely extraordinary. This is a perfect segue, if you'll allow me to the thing that makes us and me different. There's a billionaire car dealer by the name of herb chambers in Boston. In fact, he just sold, I understand his business for $1.58 billion massive car dealer. That's not important. What is important is his whole marketing mantra, Keith, is I don't sell you cars. I help you acquire your next vehicle. I don't just sell investors houses, Keith, I have taken an approach, and I've been doing this for a number of years, where I help investors achieve their goals. I have a very specific process, and I'd be happy to share, if you'll allow me, yeah, I first ask people about their war chest. To me, that's the amount of liquid capital they have to invest when they're ready to pull the trigger. It's not just cash in the bank. It can be equity in a home that they can pull out with a home equity line of credit, a HELOC, maybe they have a retirement account that they're able to borrow against. It's their money, after all, but that amount of cash is your war chest, and frankly, I'm not one of those people who says, You can buy real estate with no money, if you have maybe $30,000 or more, I can get you in the game. The second question I ask is, what's your goal? Because every one of us in this business has a goal. Every one of us, I don't need to know the specific goal. But whether it's to have your partner give up the nine to five job, or you want to give up the 90 to five job yourself, every goal has a cost. So what I seek to find out or learn is, what is your number in terms of a goal, how many 1000s of dollars of passive income every month are you looking to achieve? And then the last question is, time frame? Are you looking to achieve that goal in? What three years, five years, 10 years. And then, simply put, whatever the answers are, I show you how it's going to happen.   Keith Weinhold  29:18    See, these are the types of questions that your everyday realtor just doesn't ask you. I mean, Phil doesn't just sell you houses. He helps you achieve your stated goals for passive income. There's nothing wrong with an everyday realtor, but that's just not the lane that 98% of them are in. And what makes this burr strategy so compelling? I'm just doing calculations, not even on the back of a napkin, but in my head here, if you've got eight to one leverage, like we do in the example here, even if you have 3% annual appreciation on a property, that's a 24% return on the 15k of skin in the game that you have here. And then additionally, if you achieve $500 Dollars of monthly cash flow once your burr property is done, that's $6,000 a year divided by only 15k of skin in the game. That's a 40 or 40% cash on cash return in addition to the leverage depreciation that stepped up. And these are two of only five ways you're paid. This is why people love the burr strategy, if you've got the patience to wait six months,   Phil Alexander  30:25   here's the other thing too. A lot of people say, Is it possible to cash out earlier? And the answer actually is yes, but you have to be prepared to decide what's that worth to you. Meaning, if you wait six months, you can expect 75% of the appraised value. However, I have some lenders that I can introduce that will do a DSCR loan, debt service coverage ratio loan, which is against the cash flow capability of the house rather than the credit worthiness of the borrower, and they'll do it at three months, and yet it'll be at 65% perhaps of the appraised value, a lower loan to value or LTV. But still, it's a cool way to roll plain and simple.    Keith Weinhold  31:18   Yes, so Phil, here, he offers you total solutions. It's not just helping you with the Property selection, it's renovation by his license, then insured crews, introductions to the financing needs that you might have hash out, refinance introductions and that all important professional property management, unless you choose to manage the property yourself. And Phil, I want to ask you more about Cleveland and just the neighborhoods that you're selecting in a moment, but I've got great news here. You get to join Phil live. He and a GRE investment coach are co hosting Cleveland's amazing cash flow opportunity with the burr strategy, and you can join from the comfort of your own home. It is just 10 days from today, Thursday, March 20, at 8pm Eastern. Registration is open now at GRE webinars.com I suggest you register. We had hundreds of registrants for our last BRRRR event, which was last year. But Phil, tell us more about what you'll let us know on that webinar when it comes to Cleveland areas and neighborhoods.   Phil Alexander  32:26   Sure thing Keith, Cleveland's a pretty dynamic and interesting town. Of course, most people know it's the home of the rock and roll, Hall of Cleveland rocks and Exactly. And there are so many things about Cleveland that I think are really kind of cool to get to know. First of all, we talk or you mentioned appreciation, home price appreciation in Cleveland last year, 7% Yeah, crazy, absolutely crazy. The cost of living is well below the national average, it's at 6% below. Now here's the interesting thing, too, the rent to own ratio of people who rent versus own, very strong 59% rent. And of course, if you're a landlord, what does that mean? It means a greater opportunity to have qualified tenants in place with very low vacancy periods regardless. Now the average rent is $1,433 a month, which, again, when you're talking about properties, the average price of which, even with the renovation, is between 100 and 130,000 let's say 14 133 is even ahead of that cool little metric that we sometimes call the 1% rule, where the rent is at or above 1% of the value of The property. It's a small city only about 360,000 people the metro area, of course, a bit larger, at 1.7 million. And there are a number of top employers, and you know, the Cleveland Clinic, obviously well known Progressive Insurance. Love their ads. Sherwin Williams, you think about that the next time you want to go paint, but it's as to where we're investing principally we target Keith. What often are called C and C plus neighborhoods this week, yeah, often on the eastern, southeastern side of the downtown. Of course, to the north, you've got Lake Erie, so you don't want to get wet, so that you stay east, west or south. And yet, there are a number of places, maybe areas, if you're familiar with Cleveland, like Shaker Heights, Maple Heights, Brooklyn Heights, Cleveland. Heights, University Heights, all of these areas are considered suburbs with high taxes, uniquely so we tend to stay away from those, but in close proximity, we're all around them, and we benefit in terms of appreciation by being all around them, but not being in them, because you don't achieve any higher rent in those suburbs, but you do have the higher taxes, and in that respect, we're able to enjoy these outsized returns.    Keith Weinhold  35:37   This is a rare opportunity for you to meet Phil, someone with this wealth of experience. And of course, the benefit of showing up live, if you so choose, is you can ask a question yourself and have it answered. Phil, do you have any last thoughts overall with anything, whether that's the burr strategy or Cleveland itself, or anything else?   Phil Alexander  36:00    First of all, a lot of people ask me, Keith, you know, with rates mortgages and this and that, what do you think I heard? Maybe they're going to go down in the spring or the summer? Should I wait? The answer is no, the best time to invest is yesterday, and you will always be able, in a market like Cleveland, for example, to enjoy strong, positive cash flow. And you know something, as I said before, I've worked in 19 different markets. As soon as Cleveland stops being such a cash cow, I guess I'll have to move on and find the next great thing. But until then, I'm in Cleveland.    Keith Weinhold  36:40   It is supply demand. Our listeners know, as I've shared with them, that the Northeast in the Midwest are under built markets. So you have the opportunity to own an asset that everyone is going to want in the future. It ought to be great. Phil, it should be terrific 10 days from now. Thanks so much for coming on to the show.   Phil Alexander  37:01    It's my extreme pleasure, Keith, I have to say, in all the years that I've known you and known your listeners, they are easily amongst the best educated and most serious investors I have the pleasure to deal with. So it's always a pleasure to come back and thank you for having me.    Keith Weinhold  37:19   That's really kind. Thanks for saying that.   Yeah, excellent. BRRRR. Breakdown from Phil the consummate expert. In fact, when we had dinner at America's oldest restaurant, we sat just across from JFK, his favorite booth. He used to dine there. He was also a Bostonian. Of course, which six Ohio cities have a population of more than 100,000 people? They are Akron, Cincinnati, then, of course, the subject of today's show and our upcoming live event, Cleveland. Also Columbus, Dayton and Toledo of all 50 states, Ohio has tons of industry diversity. They had the nation's seventh largest population, and Ohio's population is slowly growing. A number of GRE buyers, just like you, have already connected with our investment coaching, so therefore you got the introduction to Phil and have already bought BRRRR through Phil, including in Cleveland, but he is sourcing more of them for this event. Phil and I looked at some Cleveland single family rental pro formas together that utilized the burr strategy that cash flow over $600 even two properties that cash flow over $700 but I would say those results are not typical. The ARVs after repair values have been pretty good. What Phil does is he runs comps of properties within a quarter mile before the appraisal. And you know, to give you a little behind the scenes. He bought the same software that lenders use to run valuation reports. So he has it himself. Phil has shown me proformas where you get cash back at closing, and therefore what that means are infinite returns. Though that's not an expectation that you should have, though it's nice when it happens, people are often buying two or three properties at a time. And to give you a little more, behind the scenes, Phil has his own in house wholesale unit for helping source these properties. And for every 100 properties, he buys two to five of them, Cleveland rocks. But even if you're more into rep, it's completely free to sign up for our webinar. You'll learn the nuances of what makes the burr strategy so lucrative, what makes Cleveland advantageous, and have any of your questions answered. It's coming up next week, already, March 20, at 8pm Eastern. I mean, this is the kind of event that can alter the trajectory of your entire investor life. Sign up is open. Save your spot now at GRE webinars.com that's GRE webinars.com until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  40:20   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively. You   Keith Weinhold  40:48   The preceding program was brought to you by your home for wealth, building, getricheducation.com  

Can two retail real estate thought leaders really pick five "favorite" retailers? It's like picking a favorite kid!In this episode of 'What's in Store,' hosts Chris Ressa and Karly Iacono do pick some favorites, spotlighting innovative retailers across various categories. They explore the performance of general merchandisers, grocery stores, soft goods, specialty retailers, hard goods, and food and beverage businesses, highlighting their growth strategies and consumer appeal. The conversation emphasizes the importance of innovation, market adaptation, and delivering value to consumers in today's competitive landscape.TakeawaysWalmart continues to innovate with drone deliveries and cashier-less stores.Trader Joe's focuses on thoughtful growth and a positive shopping experience.TJX is thriving despite challenges in the home goods sector.Boot Barn capitalizes on the outdoor lifestyle trend and country music popularity.Tractor Supply is expanding its appeal to suburban and urban consumers.Home Depot is actively redeveloping obsolete malls for new store locations.Sherwin-Williams is outperforming competitors with strong financials and a clear brand.Wingstop's unique franchise model has led to significant growth and market expansion.Texas Roadhouse offers a family-friendly dining experience at an affordable price.Value-oriented retailers are thriving in the current market.Chapters00:00 Introduction to Retail and Real Estate Trends01:51 Spotlighting Innovative Retailers06:04 General Merchandisers and Grocery Insights12:03 Soft Goods Retailers and Their Growth15:59 Specialty Retailers Making Waves19:58 Hard Goods Retailers and Market Adaptation23:48 Food and Beverage Retail Trends29:56 Conclusion and Key Takeaways

I'm Josh Cooperman and this is a special edition of Convo By Design featuring all of the programming from the 2024 edition of the WestEdge Design Fair. We call these entries WestEdge Wednesday, a programming concept that will allow those of you who either didn't make it to the show this year or, those who made it and are taking me up on my promise to share It with them again on Convo By Design. All of these programs were shared in the WestEdge Theater presented by Pacific Sales Kitchen and Home, a Best Buy company. On a stage designed by Julie Beuerlein of JKB Home Design. An amazing space that served as the backdrop for our conversations. Over the next 10 weeks, you are going to hear talks, panels and conversations from the show, so I wanted to open this up with a teaser, a sample of some of these conversations like this one. As a busy professional designer, you know how important it is to find the right partnerships. Partnerships that allow you to specify the right products for every project. Professionals like you just don't have time to waste. Let me tell you about one of my partnerships. Pacific Sales is here to serve you with expert, knowledgeable and non-commissioned professionals to help you specify the right product for all your projects. Non-commissioned. That means their only incentive is your satisfaction. Pacific Sales Kitchen & Home, a Best Buy Company has just that with over 60 years of service in Southern California. Pacific Sales is your destination for exploration, advice and inspiration. And here's the cherry on top, access to exclusive Builder Trade Incentives from top brands like Monogram. Visit a Pacific Sales Showroom today to learn how you can unlock additional savings and benefits. Don't miss out on the opportunity to work with the best of the best. Visit Pacific Sales Kitchen & Home today and elevate your projects to new heights! The following panel discussion hosted by Sherwin-Williams, where they explore color and its many applications, from evoking emotion and enhances spaces, to creating balance that dramatic wow factor! Sherwin-Williams shares insight from their recently announced 2025 Color Capsule Collection, featuring not just one but nine hues as part of its color trend forecast.  A panel of industry pros share practical insights on how to best incorporate these colors (and others), from bold statements to subtle accents. Whether you're a design enthusiast or a professional, this conversation will equip you with the knowledge to stay ahead of the color curve and enhance your color potential! Moderated by: Ashlynn Bourque, Sherwin-Williams and Ro Almira, Sherwin-Williams Featuring: Breegan Jane, Breegan Jane; Kerrie Kelly, Kerrie Kelly Studio; Patrick Ediger, Patrick Ediger Interior Design; and Eddie Maestri, Maestri Studio

How can leaders effectively work with and lead people who are different from them? Kevin welcomes Kelly McDonald to explore the challenges and benefits of leading diverse teams and how embracing different perspectives can drive better business outcomes. She explains why the term "diversity" has become a challenge in workplaces and offers practical strategies for leaders to navigate workplace differences, such as using the powerful phrases "Tell me more about that" and "I need your help" to foster understanding and collaboration. She also shares why diverse teams consistently outperform homogeneous ones across all business metrics, even though working with different perspectives can feel more challenging. McDonald emphasizes that friction and disagreement in diverse teams are part of the process that leads to better outcomes. Listen For 00:00 Introduction Why This Topic Matters 00:34 About The Remarkable Leadership Podcast 01:19 How to Join Live Podcast Recordings 02:02 Kevin's New Book Flexible Leadership 02:34 Welcoming Kelly McDonald 03:24 How Kelly's Journey Led to Diversity Work 06:18 The Business Case for Understanding Changing Demographics 10:07 Why Kelly's 2017 Book Is Still Relevant Today 10:46 Why the Word Diversity Makes People Uncomfortable 14:49 The Problem with Traditional Diversity Training 16:23 The Benefits of Working with People Who Are Different 20:35 The Murder Mystery Study Why Diversity Feels Hard 23:32 Do I Have to Like My Colleagues 24:10 How to Focus on the Person Not the Difference 25:29 The Power of Tell Me More About That 26:47 Why I Need Your Help is a Game Changing Phrase 29:35 How Leaders Can Address Prejudice on Their Teams 34:40 Kelly's Hobbies Cello Boxing and Pickleball 35:30 What Kelly is Reading Right Now 37:02 Where to Learn More About Kelly McDonald 37:55 Kevin's Final Question Now What Kelly's Story: Kelly McDonald is the author of four bestselling books on customer experience, leadership, and marketing -- all from the standpoint of working with people "not like you". Her book, How to Work With and Lead People Not Like You has been on two bestseller lists. She is the president of McDonald Marketing and an acclaimed speaker who specializes in consumer trends and changing demographics. She has been featured on CNBC, in Forbes Magazine, BusinessWeek, Fast Company, on CNNMoney.com, and on SiriusXM Radio. Her client experience includes iconic brands such as Toyota, State Farm, Nike, Harley-Davidson, Miller-Coors and Sherwin-Williams, Great Clips and NASA. This Episode is brought to you by... Flexible Leadership is every leader's guide to greater success in a world of increasing complexity and chaos.    Book Recommendations How to Work With and Lead People Not Like You: Practical Solutions for Today's Diverse Workplace by Kelly McDonald Outthink. Outperform.: Transform Your Organization Through Behavioral Marketing by Roger Hurni Innovation is Everybody's Business by Tamara Ghandour To Kill a Mockingbird by Harper Lee Like this? Innovation is Everybody's Business with Tamara Ghandour Seeing Your Blind Spots with Marisa Murray Stumbling Towards Inclusion with Priya Nalkur How to Lead in a Polarized World with Karthik Ramanna Join Our Community If you want to view our live podcast episodes, hear about new releases, or chat with others who enjoy this podcast join one of our communities below. Join the Facebook Group Join the LinkedIn Group   Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Review on Apple: https://remarkablepodcast.com/itunes   

The richest man in the world just became even more influential after pouring millions into former President Donald Trump’s reelection campaign. Tesla shares soared after Trump’s win and CEO Elon Musk was already invited to join a call with Ukrainian President Volodymyr Zelenskyy. We’ll get into what the cozy relationship between Trump and Musk could mean for the U.S. economy and national security. And, we’ll talk about the many Americans who are looking to move abroad in the face of the U.S. election results. Plus, we’ll play a round of Half Full/Half Empty! Here’s everything we talked about today: “Scoop: Elon Musk joined Trump’s call with Zelensky” from Axios “Tesla hits $1 trillion market cap as stock rallies after Trump win” from CNBC “Exhausted by the Election, Some Americans Are Catching Flights Abroad” from The New York Times “American interest in Canadian citizenship is spiking again after Trump's victory” from Politico “Nvidia, Sherwin-Williams to replace Intel, Dow on Dow Jones” from Marketplace “Steven Madden C.E.O. Says It Is Moving Production Out of China” from The New York Times “Painting by A.I.-Powered Robot Sells for $1.1 Million” from The New York Times “Pad Thai, Spring Rolls and a Side of Peacock? Why Streamers Are Teaming Up With Delivery Apps” from The Hollywood Reporter “Should cars still have AM radios? Congress might require them.” from Marketplace Got a question for the hosts about the election, Trump's next presidency and the U.S. economy? Email us at makemesmart@marketplace.org or leave us a voicemail at 508-U-B-SMART.

The richest man in the world just became even more influential after pouring millions into former President Donald Trump’s reelection campaign. Tesla shares soared after Trump’s win and CEO Elon Musk was already invited to join a call with Ukrainian President Volodymyr Zelenskyy. We’ll get into what the cozy relationship between Trump and Musk could mean for the U.S. economy and national security. And, we’ll talk about the many Americans who are looking to move abroad in the face of the U.S. election results. Plus, we’ll play a round of Half Full/Half Empty! Here’s everything we talked about today: “Scoop: Elon Musk joined Trump’s call with Zelensky” from Axios “Tesla hits $1 trillion market cap as stock rallies after Trump win” from CNBC “Exhausted by the Election, Some Americans Are Catching Flights Abroad” from The New York Times “American interest in Canadian citizenship is spiking again after Trump's victory” from Politico “Nvidia, Sherwin-Williams to replace Intel, Dow on Dow Jones” from Marketplace “Steven Madden C.E.O. Says It Is Moving Production Out of China” from The New York Times “Painting by A.I.-Powered Robot Sells for $1.1 Million” from The New York Times “Pad Thai, Spring Rolls and a Side of Peacock? Why Streamers Are Teaming Up With Delivery Apps” from The Hollywood Reporter “Should cars still have AM radios? Congress might require them.” from Marketplace Got a question for the hosts about the election, Trump's next presidency and the U.S. economy? Email us at makemesmart@marketplace.org or leave us a voicemail at 508-U-B-SMART.