Podcasts about Speaker

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/  

A new MP3 sermon from Alpha and Omega Ministries is now available on SermonAudio with the following details: Title: Road Trip DL from Willcox, Arizona Subtitle: The Dividing Line 2026 Speaker: Dr. James White Broadcaster: Alpha and Omega Ministries Event: Podcast Date: 2/12/2026 Length: 62 min.

Angela examines the intricacies of training for muscle strength, hypertrophy, and endurance, referencing a key paper by Brad Schoenfeld that outlines effective rep ranges for different fitness goals.  She discusses the importance of neuromuscular adaptation for beginners and suggest starting with bodyweight exercises before progressing to kettlebells and heavier weights, as well as the significance of tailored training programs, especially for women undergoing menopause, advocating for high-intensity interval training and heavier lifting. WHAT YOU'LL LEARN: Training Ranges: Hypertrophy is typically achieved with 8 to 12 reps, strength with 1 to 5 reps, and endurance with 15 or more reps. It's important to follow a structured program to maximise results. Neuromuscular Adaptation: Beginners will experience significant improvements through neuromuscular adaptation, which involves learning proper movement patterns. Starting with bodyweight exercises like squats and pushups is effective. Progression: As individuals advance, they should gradually incorporate resistance training, starting with bodyweight exercises, then moving to bands, and eventually to weights like kettlebells for functional movements. Training for Life: Emphasis should be placed on training that prepares individuals for everyday activities, such as lifting children or carrying luggage, rather than just focusing on traditional weightlifting. TIMESTAMPS [00:00:46] Hypertrophy training explained. [00:04:12] Training structure and methods. VALUABLE RESOURCES ⁠Join The High Performance Health Community⁠ ⁠Click here⁠ for discounts on all the products I personally use and recommend A BIG thank you to our sponsors who make the show possible To get your discount at Mitopure head to www.timeline.com/angela and enter code ANGELA for your exclusive discount ABOUT THE HOST Angela Foster is an award winning Nutritionist, Health & Performance Coach, Speaker and Host of the High Performance Health podcast. A former Corporate lawyer turned industry leader in biohacking and health optimisation for women, Angela has been featured in various media including Huff Post, Runners world, The Health Optimisation Summit, BrainTap, The Women's Biohacking Conference, Livestrong & Natural Health Magazine. Angela is the creator of BioSyncing®️ a blueprint for ambitious entrepreneurial women to biohack their health so they can 10X how they show up in their business and their family without burning out. CONTACT DETAILS ⁠Instagram⁠ ⁠Facebook⁠ ⁠LinkedIn⁠ Disclaimer: The High Performance Health Podcast is for general information purposes only and do not constitute the practice of professional or coaching advice and no client relationship is formed. The use of information on this podcast, or materials linked from this podcast is at the user's own risk. The content of this podcast is not intended to be a substitute for medical or other professional advice, diagnosis, or treatment. Users should seek the assistance of their medical doctor or other health care professional for before taking any steps to implement any of the items discussed in this podcast. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Today's episode features the powerhouse creative mind Regina Wamba — Photographer, Designer, Speaker, Educator, Artist, and Rebellious Entrepreneur known for transforming how creators think about art, branding, and ownership. If you're an author, narrator, or reader who wants to grow your audience, build a business in the book community, or finally understand what it really takes to stand out… this conversation will grab you from the start. We touch on the truths most creatives aren't taught — from protecting your work to shaping a brand that actually connects. A powerful, inspiring episode for anyone ready to elevate their creative identity and move with confidence. Available now on all podcast platforms! Visit Viviana, Enchantress of Books: Guests: Narrator Regina Wamba Visit Viviana, Enchantress of Books https://www.vivianaenchantressofbooks.com/2026/02/audiobook-lovin-podcast-s7-ep-7.html Support the podcast by becoming a patreon at https://www.patreon.com/AudiobookLovin or Buy Me A Coffee: https://www.buymeacoffee.com/enchantresspr We hope you have enjoyed this production of The Audiobook Lovin' Podcast. Host: Viviana Izzo Podcast Intro & Outro: Emma Wilder Podcast Patreon: Benjamin Charles Editor: Viviana Izzo This has been an Audiobook Lovin' production Copyright 2017 by Viviana Izzo, Enchantress of Books. Production Copyright 2017 by Audiobook Lovin'. Audiobook Lovin' Series, The Audiobook Lovin Podcast is a division of Viviana, Enchantress of Books. Please visit Viviana, Enchantress of Books to learn more about the Audiobook Lovin' Series. All rights reserved. No part of this publication may be reproduced, modified, copied, distributed, repackaged, shared, displayed, revealed, extracted, emailed, transmitted, sold or otherwise transferred, conveyed or used, in a manner inconsistent with the Agreement, or rights of the copyright owner. You shall not redistribute, repackage, transmit, assign, sell, broadcast, rent, share, lend, modify, extract, reveal, adapt, edit, sub-license or otherwise transfer the Content. You are not granted any synchronization, public performance, promotional use, commercial sale, resale, reproduction or distribution rights for the Content. For permission requests, please visit Viviana, Enchantress of Books for more information.

A new MP3 sermon from Albert Mohler | The Briefing is now available on SermonAudio with the following details: Title: Thursday, February 12, 2026 Subtitle: Cultural Commentaries Speaker: Dr. R. Albert Mohler, Jr. Broadcaster: Albert Mohler | The Briefing Event: Current Events Date: 2/12/2026 Length: 24 min.

A new MP3 sermon from Grace Baptist Church is now available on SermonAudio with the following details: Title: Faith Isn't the Savior Subtitle: Studies In Ruth Speaker: Richard Warmack Broadcaster: Grace Baptist Church Event: Sermon Clip Date: 2/8/2026 Bible: Ruth 4 Length: 0 min.

It's time for our monthly Favored or Forsaken! Join Erin, Evan, and Jamie as we discuss the recent news that James Dobson's name has appeared in the Epstein files, Speaker of the House Mike Johnson correcting the Pope, and a prayer ring that takes us on a shocking detour. MENTIONS​Krispin & D.L. Mayfield: Podcast about Dobson in the Epstein Files | InstagramSpeaker Mike Johnson's Tweet: Check it out here Prayer Ring Deep Dive? Confidein Website | FaithTech The Faith Adjacent Seminary: Support us on Patreon. I've Got Questions by Erin Moon: Order Here | Guided Journal Subscribe to our Newsletter: The Dish from Faith AdjacentFaith Adjacent Merch: Shop HereShop our Amazon Link: amazon.com/shop/faithadjacentFollow Faith Adjacent on Socials: InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

SEASON 4 EPISODE 58: COUNTDOWN WITH KEITH OLBERMANN A-Block (2:30) SPECIAL COMMENT: Trump has attempted another coup. You may have missed it. Trump and Jeanine Pirro with the acquiescence of the hapless Speaker of the House and Porn Monitor attempted another coup: Attempted to get Senators Mark Kelly and Elise Slotkin and four members of the House INDICTED for obstructing Trump’s dictatorship. Tried to convict, tried to jail, for imaginary crimes of disloyalty to him that Trump bleated are quote “punishable by death” six military veterans because they told other Americans to follow the law. For expressing fealty to the Constitution, for publicly reminding service members that THEIR allegiance is to the constitution and not some rapidly deteriorating psychopathic despot. And ordinary Americans in a Grand Jury stopped Trump’s attempt to overthrow the government of the United States. For. Now. Which means the lesson Trump and Pirro and Johnson and the other deputy despots will take away is: next time don’t bother with Grand Juries, just have ICE blast them in the head. What to do to STOP “next time”- what to do RIGHT NOW in the Senate Continuing Funding Resolution - what to do in state houses before the midterms. PLUS: Trump's either-or: either he Narc'd on Epstein or knew nothing about his crimes. Either way, Trump is now the CEO of the Epstein Cover-up. And maybe even more disturbing, he is actually, seriously, hallucinating. Full-on crazy talk. Not his normal delusions: this is A Chinese plot to destroy the National Hockey League. He thinks this is really happening. B-Block (37:00) THE WORST PERSONS IN THE WORLD: He won Olympic Bronze but was disqualified in the game of life. The three weird sisters are still whining about Bad Bunny at the Super Bowl: Megyn Kelly, Sage Steele, Michele Tafoya - the latter of two using language that matches almost word-for-word what was said by racists and sexists who called the ESPN complaint voicemail line to try to get THEM fired. And then there's the Twitter Rando whose 'egg corn' is as delightful as any I can remember. He's complaining about solitaire confinement! C-Block (50:00) THINGS I PROMISED NOT TO TELL: In the old days baseball spring training wasn't already unofficial underway as of... last week. It was limited and exciting and one of my joys was going to it and reporting from it. So it's time to try to recreate some of that, because naturally I still have the tape of my 1978 Spring Training reports from Florida! See omnystudio.com/listener for privacy information.

Today's Masked Speaker's most memorable Valentine's Day, was also her WORST one, after she got a gift from a secret admirer.... things just went downhill from there.See omnystudio.com/listener for privacy information.

Industrial Talk is onsite at SMRP 2025 and talking to Paul Crocker, Sr. Reliability Engineer at ReliabilityX about "Cultural alignment with your reliability strategy". Paul Crocker emphasizes the importance of storytelling and podcasting for creating human connections in business, especially in the context of AI. He suggests using Industrial Talk as a platform to amplify voices and build resilient businesses. Crocker discusses his career journey, starting with the Board of Public Utilities in Kansas City, Kansas, and his role in implementing Maximo systems for reliability and maintenance. He highlights the need for effective training and cultural alignment between operations and maintenance. Crocker also touches on the challenges of sustaining success and the potential of AI to assist in maintenance processes. Outline Podcasting as a Marketing Strategy Scott emphasizes the importance of storytelling and podcasting to create a human connection with the market.Podcasting is recommended as a marketing platform to open doors and create long-term relationships.Industrial Talk is suggested as a platform to amplify voices and promote business resilience.Scott encourages businesses to consider podcasting to tell their story and build trust with their audience. Introduction to Industrial Talk Podcast Scott humorously questions the year and the background noise, setting a casual tone for the podcast.The podcast is broadcasting on-site at SMRP, with Speaker 1 mentioning the reliability and asset management focus.Scott humorously comments on the lack of carpet and the constant backing up of forklifts, adding to the informal atmosphere. Paul Crocker's Background and Career Journey Scott introduces Paul Crocker, who has been in the hot seat 27 times, and comments on his changing appearance.Paul Crocker shares his career journey, starting with the Board of Public Utilities in Kansas City, Kansas.He describes his transition from administrative services to power generation, working with heavy equipment.Paul pursued a Bachelor of Science in Network and Communication Management and later took over the maintenance department. Transition to ReliabilityX and Maximo Implementation Paul discusses his role at ReliabilityX, focusing on training and assessments, particularly EAM implementation.He mentions the Maximo mass nine rollout for half of the utilities plants in Missouri, with plans to expand to Kansas.Paul highlights the importance of training and the support from top management in ensuring the success of the training programs.He emphasizes the need for a culture shift and proper training to avoid pushback from the crafts. Challenges and Solutions in Training and Implementation Scott and Paul discuss the different types of training, including system training and reliability training.Paul explains the importance of integrating system training with reliability training to ensure practical application.He shares his approach to training, focusing on the day-to-day life of maintenance supervisors and crafts.Paul emphasizes the need for basic pieces like work initiation and asset location hierarchy to be right before adding more complex features. Addressing Resistance and Sustaining Success Scott and Paul discuss how to address resistance and sustain success in training and implementation.Paul mentions the importance of having supervisors who can identify and engage problematic individuals.He highlights the need for top management support and the role of...

Speaker, author, and entrepreneur Danny Brassell joins me to unpack what happens when collapse isn't theoretical — it's personal.Most conversations about success start at the breakthrough. This one starts at the bottom.After falling victim to a real estate scam that wiped him out financially, Danny had two options: define himself by the loss or rebuild from it. What followed wasn't a cinematic overnight comeback. It was constraint, recalibration, and a deliberate decision not to declare bankruptcy — paired with an aggressive income target that forced reinvention.During one of the worst economic downturns in modern history, Danny built a speaking business that not only restored stability but opened entirely new doors — eventually leading to coaching high-performing entrepreneurs and executives.But this episode isn't just about financial recovery.It's about identity.We explore what failure does to ego, how embarrassment can paralyze growth, why traditional “safe” career paths quietly manufacture risk aversion, and why studying biographies reveals patterns most people overlook.We also get honest about tradeoffs — money versus meaning, ambition versus family, hyper-growth versus presence — and the uncomfortable truth that success always extracts a price.This isn't a highlight reel conversation.It's about grit, humility, pattern recognition, and the discipline of getting up again.The lesson isn't blind optimism.It's resilience anchored to clarity and action.TL;DRReputation can collapse overnight. Character compounds over time.Failure builds empathy and pattern recognition.Safe career paths often breed hidden fragility.Success always carries tradeoffs.Study the dark chapters of biographies, not just the victories.Income targets create forced innovation.You don't rebuild by feeling motivated — you rebuild by executing weekly.Vulnerability creates connection; polished perfection creates distance.Memorable Lines“It's not about avoiding the hit — it's about getting back up.”“Success leaves clues, but so does failure.”“You fall down seven times, you get up eight.”“Money isn't everything — but pretending it doesn't matter is naive.”“If you close the show, you deny the world your gift.”“Safe careers can quietly make you risk-averse.”“Enjoying the journey usually happens in hindsight.”GuestDanny Brassell — Speaker, author, and storytelling coachFormer journalist and educator turned high-performance communication coach working with entrepreneurs, executives, and organizations worldwide.

Speaker drivers haven't changed much in the last 100 years, but they have certain drawbacks, especially in small form factors such as earbuds. A company called SonicEdge is developing a new type of driver that takes a completely different approach. CEO and co-founder Moti Margalit talks about his company's innovations with Scott Wilkinson. Host: Scott Wilkinson Guest: Moti Margalit Download or subscribe to Home Theater Geeks at https://twit.tv/shows/home-theater-geeks Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Club TWiT members can discuss this episode and leave feedback in the Club TWiT Discord.

Do you know that marriage can make you happier? This week on the podcast the guys interview Arlene Pellicane, Author, Speaker and contributor of National Marriage Week going on Feb 7-14th 2026. She shares insight from her book Making Marriage Easier and helpful tips for Husbands and Wives.  If you are skeptical about marriage, or feel like your marriage has lost it's spark, this ones for you! Don't miss out on this powerful episode or all that National Marriage Week has to offer. Check out National Marriage Week here: https://www.marriageweek.org/ If you would like to learn more about Arlene and the resources she provides, check out here website here: https://arlenepellicane.com Wake Up, Gear Up, and Come Alive! Known Legacy Mens Retreat Arrowhead camp Cleburne TX April 10-12th 2026 Take a break from the noise and step into a weekend designed just for you—a time to rest, recharge, and rediscover who God created you to be. Whether you're running on empty or just need to hit pause, this retreat is your invitation to refocus on your purpose and build deeper connections with other men on the journey.  What's Included: * Intentional time to slow down and breathe * Dynamic worship & powerful teaching sessions * Epic cornhole tournament * Basketball, disc golf, gaga ball, 9 square, horseshoes & lawn games * Archery & archery tag * Indoor activity center: foosball, ping-pong, carpet ball, board games & movie nights * Meaningful conversations & memories that last  Cost: * $300     per person (double room occupancy)  * $400     per person (single room occupancy) ⚠️ Spots are limited — don't wait to sign up! Scholarships available!  Email: bill@knownlegacy.org for more info. https://knownlegacy.org/mens-retreat Chapters (00:00:01) - Known Legacy Podcast: Secret Story Time(00:01:53) - Winter Olympic Sports(00:03:38) - If You Could Play Curling(00:05:23) - Arlene Pelane On The Happy Home Podcast(00:06:43) - Share Your Heart for Marriage Week(00:09:54) - Why More People Are Opting Out of Marriage(00:13:50) - Married Couples Need to Serve(00:16:21) - How to Rekindle a Love Connection in Your Marriage(00:19:45) - How to Approach Your Wife(00:22:22) - Servants: How to Love Your Wife(00:26:18) - Marriage Week(00:30:43) - Married Out of My League(00:31:31) - Wedding Recap(00:32:17) - Favorite causes and why you should support them(00:33:04) - What is Legacy of the Church?(00:33:52) - If You Had to Change Your Career, What Would You Do?(00:34:47) - Five Memorable Fruit Recipes(00:35:48) - NATIONAL MARRIAGE WEEK

This week's theme: Softening into Love In this Valentine's Day episode, Heather Hansen O'Neill reframes love as an intentional, courageous practice rather than a passive feeling. She explains how our brains naturally gravitate toward fear, making compassion and connection conscious choices. Through personal stories about miscommunication, assumptions, and stress reactions, she shows how easily fear-driven narratives take over and how powerful it can be to pause, breathe, and choose a different response. Softening, she reminds us, is not weakness. It is the work of choosing love anyway. Heather shares a heartfelt love letter to humanity that honors imperfect people who keep trying, reflecting, and choosing connection over being right. She also tells a retreat story where vulnerability helped two conflicted team members truly see each other, shifting the entire dynamic. The episode closes with a simple practice: pause, notice what is driving your reaction, and choose love. While our differences are real, our shared humanity is stronger, and love is the upgrade our world needs. From Fear to Fire: Secrets to Overcome Fear, Embrace your Gifts and Achieve Success This is the place where real people share real challenges. Where you can find a common bond and uncommon wisdom through their stories. Use tips from the breakthroughs of others to jump start your success. Speaker, author, adventurer, and host Heather Hansen O'Neill takes you on the journey from fear to fire. Today, we talk about choosing love over fear through conscious, courageous softening that deepens connection, rewrites assumptions, and honors our shared humanity. Heather Hansen O’Neill Heather is the host of the From Fear to Fire podcast as well as a best-selling author, igniter of inner flame, and an international keynote speaker and change strategist. Her specialty is in helping individuals and organizations consciously transform their behaviors for peak performance. CALLING ALL LADIES- LOVE on yourself with a women’s retreat this April! Learn more HERE Connect with Heather: Website: Heather Hansen O’Neill Social media accounts: LinkedIn: heatherhansenoneill Facebook: heather.h.oneill.9 Instagram: heather.hansen.oneill YouTube: @fromfeartofire Reach out to Heather at: Heather@HeatherHansenONeill.com. Want to dive deeper? Check out Finding Humanity book, explore The Humanity of Sales show on YouTube, and watch the powerful DisruptHR talk. Quote of the Day: “Love is a choice you make every day.” ~Gary Chama Finding Humanity: The Evolution of Sales is out now. Check it out here! The post Softening into Love with Heather appeared first on Heather Hansen Oneill.

February 10, 2026 Assemblywoman Pilar Schiavo's Legislation to Protect Veterans Signed Into Law Chair of the Military and Veterans Affairs Committee Celebrates Major Victory for California veterans SACRAMENTO, CA — Assemblywoman Pilar Schiavo, Chair of the Military and Veterans Affairs Committee, today announced that the Protecting Veterans from Predatory Practices Act (SB 694) was signed into law, strengthening California's protections for veterans and service members seeking the benefits they have earned. The Protecting Veterans from Predatory Practices Act, authored by Senator Bob Archuleta and co-authored by Assemblywoman Pilar Schiavo, was a top priority for Assemblywoman Schiavo. SB 694 stops illegal, deceptive and predatory practices by unaccredited companies who exploit veterans. These VA benefit claim sharks sometimes charge veterans as much as $20,000 for services that they can instead access for free from County Veteran Service Officers and other federally accredited organizations. “As Chair of the Military and Veterans Committee and the daughter of a disabled veteran, alongside so many, we fought to protect disabled veterans from illegal fees charged by predatory claims sharks,” said Assemblywoman Pilar Schiavo. “Veterans who earned their benefits through service and great sacrifice, deserve every penny. With the Governor's signature of SB 694, we are making it clear that we will always protect our veterans and hold predators accountable.” The Protecting Veterans from Predatory Practices Act brings California law into alignment with federal law and accreditation standards and strengthens enforcement tools to protect veterans from financial harm. It establishes clear guardrails to prevent illegal fees and financial exploitation by requiring individuals who assist with veterans' benefits claims to meet federal accreditation standards. It also creates important privacy protections by restricting the misuse and sharing of veterans' private data. “Today, I am proud to stand with a coalition of veterans organizations in celebration of the signing of SB 694, legislation that continues our commitment to vigorously protect those who have sacrificed so much to protect us," said Attorney General Rob Bonta. “Claim sharks pose a financial risk to veterans who need help with their benefits claims. SB 694 will degrade and deter the ability of these predatory individuals or companies to exploit veterans seeking help accessing their benefits. I thank Senators Archuleta and Cervantes, and Assemblywoman Schiavo, for authoring this legislation and Governor Newsom for signing it into law and making it clear: If you want to charge veterans for help with their benefits claims, you must be accredited by the VA." “Veterans served this nation with honor and sacrifice, and they have earned every benefit their country owes them,” said Senator Bob Archuleta, Chair of the Senate Committee on Military and Veterans Affairs. “This legislation ensures veterans are protected from individuals who prey on their trust, their service, and their need for help. This law reinforces California's commitment to honoring veterans with real, meaningful protections.” The signing of the Protecting Veterans from Predatory Practices Act builds on California's broader efforts to safeguard veterans, service members, and their families who call California home to ensure they receive the benefits that they have earned. The Protecting Veterans from Predatory Practices Act takes effect on January 1, 2027. ### Assemblywoman Pilar Schiavo was elected to the California State Assembly in November of 2022 and re-elected in 2024 to represent the 40th Assembly District, representing the Northwest San Fernando Valley, Val Verde, Castaic and the Santa Clarita Valley. Upon her election, she was appointed as Assistant Majority Whip by the Speaker of the Assembly and now serves as Chair of the Assembly Committee on Military and Veterans Affairs. During her first term she brought back a record $93 million district investment in school and community safety, seniors meal programs, veteran housing, domestic violence services and creating local jobs. Prior to her election, Assemblywoman Schiavo was a Nurse Advocate and Small Business Owner who worked in the labor movement for more than 20 years. Throughout her career, Assemblywoman Schiavo helped deliver healthcare, including reproductive healthcare, to more than one million people. In the Northwest San Fernando Valley, she co-founded an organization that helped secure housing for Veterans experiencing homelessness, has delivered more than 50,000 meals to people in need, and increased resources to help keep our communities safe. Assemblywoman Schiavo lives in Chatsworth with her creative kid where they love to hike in the Santa Susana Mountains.

What if your ETH could earn more—without taking on wild risks?In this episode, I chat with Steven Pack, founder of Rock Solid, a fast-growing ETH vault platform. Despite tough market conditions, they've hit 25M in TVL with organic growth—no token incentives or mercenary capital. We dive deep into the world of liquid staking, restaking, Lido V3, new vault products, and how institutions are moving from simple staking into smart, managed DeFi strategies.If you're in DeFi or TradFi and want to understand where ETH staking and on-chain asset management is heading, this one's for you.⏱️ Key Learnings + Timestamps(01:41) Rock Solid's growth story — 300+ depositors and 9K+ ETH(03:25) Real yields: 2.5% → 8%, now steady around 6%(04:15) Delta-neutral strategies & surviving market shocks(06:30) Their BD role in expanding Rocket Pool's reach(07:20) Launch of institutional ETH leverage staking vault(10:03) Innovation with Lido V3 “ST Vaults” for known node operators(12:54) ETHStrat becomes first institutional depositor(14:30) What is leverage staking? Explained simply(17:20) Why active management beats DIY looping(18:21) Thoughts on incentives & tokenomics(22:23) Upcoming: Dedicated liquidity staking products(26:35) What's next: Stablecoin vaults & new products(31:27) Why vaults are the TCP/IP of on-chain finance(33:43) Market outlook: Real assets will win, fluff will fall(35:00) Hiring & fundraising updatesConnect with Rocksolidhttps://x.com/rocksolidHQ/status/2017266103400161485?s=20https://rocksolid.network/https://app.rocksolid.network/ Nothing mentioned in this podcast is investment advice and please do your own research.It would mean a lot if you can leave a review of this podcast on ApplePodcasts or Spotify and share this podcast with a friend.Be a guest on the podcast or contact us - https://www.web3pod.xyz/

How to Scale Faster with B2B Brand Strategy Here's a common scenario in B2B marketing: you launch campaigns, hit the deadlines, and fill the pipeline, but the results feel disconnected from your long-term goals. Internal messaging discussions resurface, campaigns feel shallow and reactive, and when you ask people what your brand stands for, you get 50 different answers. This inconsistent approach creates friction and impedes scalable growth. So what can B2B marketers do when their tactical execution is outpacing their brand strategy, and how to do you realign for lasting impact? That's why we're talking to JoAnne Gritter (COO, ddm marketing + communications), who shares her expertise and actionable insights on how to scale faster with B2B brand strategy. During our conversation, JoAnne underscored why a foundational strategy is crucial for building credibility and trust in competitive markets. She also discussed the role of AI in marketing, commenting that while it can support with idea generation and research, it shouldn't replace direct communication with customers and employees. JoAnne shared some common pitfalls such as messaging misalignment and inconsistent branding, which can lead to distrust and reduced credibility, She explained the importance of having a cohesive brand strategy that aligns values, messaging, and customer experiences across all company touchpoints through proactive brand management. https://youtu.be/_Alwkinhw-g Topics discussed in episode: [02:36] The “Soul vs. Body” framework: Why marketing is just the body in action, while brand strategy is the soul that provides direction and values.  [06:51] Red flags that your marketing has outpaced your strategy: When content feels fragmented and sales teams are telling completely different stories.  [08:52] Defining true brand strategy: Moving beyond logos and colors to include deep research, stakeholder analysis, and internal alignment.  [14:41] The critical differences between a brand refresh (auditing existing assets), a complete revamp (starting from scratch), and branding during a merger.  [24:10] Actionable steps you can take to realign your brand: – Audit your customer journey – Define messaging pillars – Ensure HR and onboarding match the brand promise  [29:37] Why “data-only” marketing fails: The importance of human emotion and psychology that performance data often misses.  Companies and links mentioned: JoAnne Gritter on LinkedIn  ddm marketing + communications  Transcript JoAnne Gritter, Christian Klepp JoAnne Gritter  00:00 AI can be used as a tool. It should not replace thinking and actually talking to your customers and your employees and your sales team. So you can use AI as a crutch to to like, ask it for ideas, idea generation. You can use it for deep research on your on your audience, and stuff like that. But nothing replaces the gold standard of talking to people. I see this in messaging misalignment or content misalignment. If content feels like it’s been written by four different people or completely different companies, that’s a red flag. Christian Klepp  00:37 This is a common scenario for B2B Marketers. You launch campaigns, hit the deadlines and fill the pipeline. It all looks great on paper, but something is still off internal messaging discussions resurface. Campaigns feel shallow and reactive, and when you ask people what the brand stands for, you get 50 different answers. So what can B2B Marketers do when their marketing is outpacing their brand strategy? Welcome to this episode of the B2B Marketers in the Mission podcast, and I’m your host, Christian Klepp, today, I’ll be talking to JoAnne Gritter, who will be answering this question. She’s a member of the leadership team at DDM Marketing Communications that provides integrated marketing solutions to drive business success. Tune in to find out more about what this B2B Marketers Mission is and here we go. JoAnne Gritter, welcome to the show. JoAnne Gritter  01:25 Hi Christian. Happy to be here. Christian Klepp  01:27 We you know, we had such a wonderful, like, pre-interview conversation. I almost feel like we’re neighbors or something, and something to that extent. But I’m, I’m really, like, happy to have you on the show, and I’m really looking forward to this conversation, because this topic is, I’m a little bit biased because I am in the branding space, so it’s a bit near and dear to my heart, but it’s also something that’s extremely important, because you’ll agree. I mean, you, I know you’ll agree because you wrote an article about it. JoAnne Gritter  01:54 Yeah Christian Klepp  01:55 It’s something that marketing teams tend to overlook. And good, goodness gracious me, I’m gonna, like, stop keeping people in suspense. We’ll just jump right in all right. JoAnne Gritter  02:04 Okay Christian Klepp  02:04 So JoAnne, you’re on a mission to provide integrated marketing solutions that drive B2B business success. So for this conversation, let’s focus on this topic, how brand strategy helps B2B organizations to realign for long term growth. So I’m going to kick off this conversation with the following question. In our previous conversation, our previous discussion, you talked about how marketing without a brand is a strategy without a soul. Could you please explain what you meant by that? JoAnne Gritter  02:36 So I just made the comparison kind of to the whole human, as in, like the brand is your soul, meaning like your values, what drives you, why you’re here, what differentiates you, what makes you different than the person standing next to you, whereas, like marketing is your body in action, or action in general, where you hopefully, if you if you’re a trustworthy person, what is, what are your values internally are matching your actions externally? And that is often where we see a divergent in companies, because they don’t think about those as like two sides of the same coin. It is really important that you make sure that you know the direction that you’re going as a company and what you stand for and who you’re there to support or serve, and what markets you’re there to do, and like your whole company, everybody that’s part of interfacing with customers understands that and is and is speaking the same language. Christian Klepp  03:37 Yeah, no, absolutely. And I suppose the the follow up question to that is like, where do you see a lot of, like, marketing teams go wrong. Because, like, you know, more often than not, a lot of teams are like, Okay, we’ve we’ve implemented the campaigns check. We’re generating results and driving pipeline or filling the pipeline, rather check. So where does it all go wrong? JoAnne Gritter  04:00 If you are not paying attention to your branding, you can have a lot of activity without a lot of traction. So or you can have a lot of different messages going out that seem not cohesive or fragmented. And so you can or more examples you can have, like your sales folks going out and telling different stories about about what your company stands for and what you do and how you’re different, that creates a lot of waste, because then you’re continuously trying to get more activity and more campaigns going more sales people out there, because you’re not getting the quality leads that you need, because nobody really knows what you stand for. Everybody says it a little bit differently, and that goes for customer service too. Branding. People think about branding as a marketing problem, or a marketing, you know, teams problem. But if, let’s say part of your brand is your brand identity or values is to put the customer. First, if you don’t really solidify that from your sales team and your customer support team, then there would be a mismatch there, right then you’re just putting out into the world that customers first, but that doesn’t match up with what the customer is experiencing. Christian Klepp  05:16 Yeah, there’s certainly some kind of misalignment there, and you touched on it, like, briefly. It’s interesting to me, like, even in my own experience, one of the telltale signs of that is when you ask people within the organization, well, what makes you different? And you get 50 different answers, and some of them are similar, and some of them are completely, like, different. And it’s like, okay, yep, okay, I see where this is going, or to your to your other point, when sales teams are having those discovery calls, and you listen back to some of those recordings, which I hope you marketing people out there are doing, and you listen to the way that the sales deal with objections, and maybe the procurement team or people like, you know, on the prospect side, they’re probably not phrasing it exactly the way I’m going to say it right now, but like, but they probably are asking something to the effect of, okay, what makes you different from vendor B, C and D, right? What is different about your solution? Like, why are you charging this guy? Why are your rates like, this high. JoAnne Gritter  05:16 Right. Absolutely. And if they have different answers, or if you go and you listen in on four different sales calls and they’re all a little bit different, then that tells you have a branding issue that people don’t fully understand your brand and how you’re different and who you support and serve. Christian Klepp  05:16 Yep, absolutely, absolutely. So you’ve touched on it a little bit, but like, tell us about some more of these. I’m going to call them red flags, right? That signal when marketing has outrun brand strategy. JoAnne Gritter  05:16 Sure, I see this in messaging misalignment or content misalignment. If content feels like it’s been written by four different people or completely different companies, that’s a red flag. If, like we mentioned, your sales team talks about your company completely differently, it’s okay that they put their own little spin on it, as long as you’re still hitting like the purpose of your company, why you’re here, how you serve whatever your target audience or audiences are what your values are. If that’s not coming through in in those different places, then you may have a brand issue, or your training issue, or your brand is not being carried out through the company. So when you have a solid brand, it should be, should be repeated in in like your onboarding process, in HR kind of things, in performance conversations, in obviously, your sales and marketing and your customer service, so that everybody is aligned to that brand, and so that there’s a common message, common theme, because repeatability is is super important. Consistency is super important in marketing. I’m sure a lot of people have heard that it takes multiple multi multiple times of hearing the same message for it to actually resonate, and if they’re hearing multiple different messages, it’s causes confusion and a lack of trust in whatever the company is offering. Christian Klepp  05:16 Yeah, that’s absolutely right. JoAnne, I’ve got a I just thought of another fall off question, and you’ll indulge me here. Um, you know it, I know it. But let’s, let’s clear the air here for a second. Because I’ve been hearing this like, and I’m sure you have as well, in the B2B world, it’s just been thrown around, like, very loosely. Let’s clear the air here. Like, what do you mean by brand strategy, because I’ve heard people, especially at senior level, say, like, Yeah, we don’t need branding. We’ve got a logo and we’ve got a website. We’re good, so maybe just clear the air on that one, please. JoAnne Gritter  05:16 Well, brand strategy is, let’s see, like, I think of strategy in like, four or three different tiers. Like, we have your business strategy, it’s how you win in the marketplace. Then you have your brand strategy, which is positions you in the market and in the minds of your consumers or your customers. And then your marketing strategy is how you take that and communicate it out and you deliver that message in multiple different channels. So if you have marketing running without, without laddering up to that business strategy and and brand strategy, then it’s just, it’s just running and putting stuff out there. So it’s just activity without, without purpose and strategy. So like a brand strategy is so much more than just a lot of people think about it as their logo, their identity suite, whatever, but there should be research that goes into it. They should be stakeholder analysis. They should talk to your customers and kind of understand what they value about about your company compared to another company. So then, using. Their language in some of your brand messaging is super helpful. So if you have like, customers that say, you know, like, I just love working with, you know, Company X, Y and Z, because the people are great. They’re super responsive. They they get me what I need, etc. Like, using some of that as part of your brand is going to be really important. So like, a strategy may may include, like, the focus, the brand, promise your your core values can be part of that. The naming can be part of that. Obviously, the the design part that a lot of folks actually think about and listen or think about and recall would be, like the visual identity that also needs to be consistent, from your logo to your fonts to your colors, and then like, multiple touch points on that, like, again, like repeating that consistency from like the stationary, the collateral, the assets, all that stuff, but then also making sure that the messaging and the voice carries throughout your company, past past your your marketing team, past your sales team. Christian Klepp  05:16 Yeah, that’s absolutely right. I mean, I like to tell people that all of these things that you mentioned, especially the visual aspect, the the sexy part of it, right, like the the visual identity, the logo, the web design and all that. It’s the end result. It’s one of the outcomes of right branding, right? JoAnne Gritter  05:16 That doesn’t come out of a vacuum, right? You don’t show a designer that’s like, I’m super excited about the color red, so we’re gonna do it’s what do our customers, current customers, feel about us, and what do we want our prospective customers to feel about us? And then there’s a lot of strategy behind that. Christian Klepp  05:16 That’s right, that’s right. I’m gonna move on to the topic of key pitfalls to avoid. So what are some of these key pitfalls that B2B Marketing Teams should avoid, and what should they do instead? JoAnne Gritter  05:16 So pitfalls that I see is companies teams that get really excited about certain trends. I’m just going to pick on Tiktok. There’s time and a place for Tiktok, but like, for B2B, they’re like, oh, man, everybody’s on Tiktok, or this latest, you know, social media platform, channel, we really got to get on there. It’s or we got to use AI in some specific way without, like, thinking about the strategy behind that and just like going forward, because you know that that’s the hottest trend right now. So always make sure it ladders up to where your customers are and what you want them to think about you. If you’re a B2B company, it’s likely that your customers are more on LinkedIn than they are on Tiktok. That’s just an example. I can’t say that across the board, but like picking picking things that are always centered on on your customer and your brand are super important. So that’s a pitfall, and then what to do about it? Also treating the brand as a one time exercise, like set it and forget it, kind of thing. A lot of people are just like, Okay, we did the brand. We got a great logo, we got stationery, we even got PowerPoints that are branded and then never think about it again, except for, like, just the, you know, the colors and the logo on all of your media assets, right? So, but the brand is so much more than that. The brand is so much about, like, how you want them to feel, what the differentiators are, what makes you different, what you deliver and like, how you talk about it, how you position yourself. So like, every bit, every asset that goes out the door, should be aligned to that there should be almost a hierarchy. Christian Klepp  05:16 Yeah, no, exactly, exactly. And I’m gonna throw another follow up question at you, only because I know you can handle you can handle it. You probably hear this a lot, and you hear this a lot, most likely also from marketing teams that perhaps don’t have as much experience in the branding space as you do, and they say things like, JoAnne, you know, we’re looking at our company, and we feel that, you know, the overall look and feel and the direction, it’s not really in line with what we aspire to be. So we’re looking for a revamp. And then, and then, as the conversation progresses, they say, Oh, actually, we want maybe, maybe just a refresh, right? And then you hear another prospect say, Well, you know, we just merged the two companies. So like, what do we do there? So maybe just, just to, again, clear the air, so people don’t throw around these terms so recklessly, what actually is the difference between a brand refresh, a brand revamp, and branding as a result of a merger, Speaker 1  06:02 like a brand like from scratch, is going to take a lot of different kind of research efforts than like a brand refresh. Like, if you’re doing a brand refresh, then you’re looking at assets that already exist, you know, and and you’re looking at reasons why they might change or are no longer working. So you’re doing more. Of an audit kind of thing, like, what’s different now than it was 20 years ago when we created this brand, and where are we going? Their new leadership? Are they focused on different parts of this like even even DDM, the marketing agency that I work with or that I work for. We, every once in a while, look at our brand, and not just the visuals, but like the things that make us unique. And we say, hey, those are still unique, but we’re talking about them slightly differently now. So we need to take a look at that and change the messaging a little bit. We’re heading in a slightly different direction lately with our creative so let’s, let’s make sure that we’re still in line, so that everything, everything matches. And if they see us on Instagram versus if they see us on LinkedIn or on our website, that it still looks like ABM, you know, and then a merger is slightly different, because you’re putting together two brands, and a lot of times they’re creating a new brand from that, or they might keep one of the brands and then just bring another like, you know, Company X is now a, you know, Company Y brand. And there might be, like a sub. There’s all kinds of different ways hierarchies of brands in that kind of scenario. But more recent one that we did, they created a new brand, which was a combination of the two names, and they completely they went through the whole exercise with the new leadership team. So it’s more similar to like starting from scratch, but also taking bits and pieces that they want to keep from both brands and what’s working. So you kind of look at what clients from both brands like about those brands, and make sure that you keep those and you preserve those, and make sure that it’s it’s heading in the direction that the company wants to go a lot of discovery and research and questions, Christian Klepp  06:16 Absolutely, absolutely. And I love that you keep bringing that up, though, because that is, again, one of these components that people tend to overlook, that this comes with a lot of research. It’s not, as you said, it’s not okay. Here’s the brief. Graphic designers or design team have at it. JoAnne Gritter  17:07 Right? Christian Klepp  17:07 Come up with something, something else, great, right? Yeah, my favorite briefs are always the ones that said we want something modern, clean, yet traditional and exciting. It’s like, JoAnne Gritter  17:17 Oh yes, creative. Make it creative, splashy mean to you? Christian Klepp  17:25 Yeah, yeah, open to interpretation, I suppose. Why do you believe that inconsistent messaging and internal misalignment cost organizations credibility and dollars? And you did touch on it earlier on the conversation. JoAnne Gritter  17:41 It’s a misalignment of what you say versus what you do. If you have on your website that you are there to serve X population and that you are like your mission and purpose in in this world is to support that population in in achieving whatever goal, whatever needs that that population needs, but then that customer or population that comes and interacts with your brand does not get that from the people or get that from their experience with your product. Then then that’s a misalignment, and that creates, you know, instant distrust, like you are not following through on, on what your brand promise was, or if you have multiple people saying they’re promising different things and they don’t get that, that’s a lack of trust. Christian Klepp  18:27 I’m kind of slightly grinning here, although I know that anyone who’s been in this situation probably will not see any humor in it, but like, I’m just thinking about anyone that’s experienced a flight delay, JoAnne Gritter  18:37 right, Christian Klepp  18:39 or been trapped at the airport, and whichever airline it is you’re flying with, and you have to deal with ground staff that are either unprofessional and rude or you just have zero transparency. And I’m sure, like, I’ve certainly gone through it like I’ve experienced a 10, 12 hour flight delay, right where I was at the airport until like, one or two in the morning, and then they finally come and say, well, the plane’s not coming. JoAnne Gritter  19:04 Yeah, that really rocks the brand reputation. I also see that in health care a lot, which, God bless everybody in health care, it’s hard, but like, if all those services are disjointed and the scheduling gives you a different feeling than the doctor gives and trying to do things online, it doesn’t match what your experience is in person. People don’t want to go to that provider anymore. You know, they’re like, this is confusing. I just want help. Just want to get what you’re promising. Christian Klepp  19:35 It’s a very for lack of a description of fragmented ecosystem. JoAnne Gritter  19:39 Yeah, absolutely. And that’s a bigger issue than we can solve here, but Christian Klepp  19:43 Yeah, no amount of branding is going to fix that. JoAnne Gritter  19:47 You got to follow through on it. Christian Klepp  19:49 That’s absolutely right. That’s absolutely right. Talk to us about how aligning, and you’ve touched on it briefly, how aligning soul and action will help to build. Trust, loyalty and resilience and please provide examples where relevant. JoAnne Gritter  20:04 Let me think of an example. We work with a very large medical device manufacturer, and we’ve worked with them for 15, probably close to 20 years now. And so 15 years ago, they were very product centric. They also grow by acquisition. So they have, like several different companies that came in under this master global brand. And even though they have the same logo, they still had their own kind of visual identity. They all talked about their stuff differently. And as a result of that, in those different teams, the customers were getting wildly different experiences from this company, even though they were all under the same master company. So they rebranded. We helped them rebrand seven years ago, maybe, and this is a global organization where they brought all their business units under the same brand. They have a very strict, robust brand now. And I’m not saying that everybody needs 100 page brand guidelines. They don’t, but, like they they went all in on branding, and they make all their new employees do their brand training. It’s worked in through their onboarding. It’s worked in through their like, performance conversations, and they have just really exploded and created this, this amazing reputation as a leader. Christian Klepp  21:25 I’m sorry you’re talking about, you’re talking about real branding, then JoAnne Gritter  21:27 Real branding. Yes, they are now a leader in their industry. I mean, they were big before, but they have just really exploded in the last seven years since rebranding, and it’s been really helpful for them, because now they still grow by acquisition, but they bring in a new company, and they know what the process is to get them on board, not just from a visual identity, like rebranding all the collateral, like the sales enablement and stuff like that, but bringing the internal teams up to speed about like, what what we stand for, what we hire, like, what kind of values we Look for, so that every customer gets the same experience Christian Klepp  22:04 from your experience. How did that exercise of helping them to re brand and take all of this because, you know, there’s that situation of taking all the business units and putting them under one roof, so to speak. How did that exercise help to improve them as an organization. JoAnne Gritter  22:22 It’s been a long time, like in multiple phases. So it improves their organization. It creates a lot of clarity for them. So they’re not like redoing each other’s work, and they’re not all creating the same or they’re they’re not all creating from scratch anymore. They have a they have a similar starting point on, like, the different messaging pillars that they need to hit, even for just their products, you know. So this goes into product messaging and product launch. So like, if they are medical device, they are they want to sell, you know, knee replacements or or stuff along those lines, they know that they need to hit on a couple core values, and they need to make sure that they are targeting the same audience, and that they need to make sure that they that what they’re saying out there aligns with the master brand. Of course, there’s they still need to do the differentiators on the product level, but they also have the full brand that that supports it. So it’s just a higher level like reputation. I like to, I like to compare like branding to your reputation. So that goes along with every product that they bring in. Christian Klepp  23:32 Yeah, no, absolutely, absolutely. Okay, we get to the part in the conversation. We’re talking about actionable tips. And you’ve, you’ve actually given us quite a bit already, but if we were to summarize it, okay, JoAnne, like, if there was somebody out if there was somebody out there that was listening to this conversation, and they were listening to what you were saying, and they were like, oh my goodness, this is exactly what we’re going through right now, right? I mean, besides contacting you, right, what are like three to five things that you would recommend they do right now to realign for long term growth using brand strategy, JoAnne Gritter  24:10 I would take a look at what brand strategy you already have, if you have one otherwise kind of creating at least the bones of that. Like, what are our values? What are we focused on? What is our purpose here and mission? And then, like, what are messaging pillars or groups that align with those values? And then once you have those making sure that you have a succinct narrative or story, or even, like an elevator pitch, that everybody is aligned on. Having that is kind of a simple, hopefully a simple thing for you to figure out and align on, and then auditing the customer journey for those promises and values. So like, if you have a customer journey, they’re going from, you know, awareness of you. Or a problem to consideration between you and your company, and, you know, multiple other companies, and then you’re they’re making a decision, then they’re purchasing, then they’re hopefully your customer experience, and your delivery teams are delivering on those promises, and then you’re creating loyalty. So that’s the customer journey. So of these phases are, they are the customers still experiencing the brand that you want them to experience. So that’s like a little audit that you can do. And then from there, also making sure that all of your content that’s out there, from your like your brochures, your website, your sales enablement kind of stuff, making sure that that’s still aligned to the brand and the message that that you want it to and then making sure that, of course, throughout the company, in your like, HR documentation, you’re, I’ve said onboarding a million times, but like, making sure that everybody that’s coming into your organization understands who you are and who you who you serve, and why? Christian Klepp  26:01 Absolutely, absolutely. And that’s a really good list. And I have to ask you this question, because you know, at the time of the recording, we’re at the end of 2025, and you did bring up AI, so I’m going to bring it up again. How, how has in your experience, from what you’re seeing out there, how has AI impacted brand strategy and all the work that comes along with that. JoAnne Gritter  26:24 Well, that’s a loaded question, right? So as far as brand strategy, I kind of see it. AI can be used as a tool. It should not replace thinking and actually talking to your customers and your employees and your sales team. So you can use AI as a crutch to to, like, ask it for ideas, idea generation. You can use it for deep research on your on your audience, and stuff like that. But nothing replaces the gold standard of talking to people. So like, the the best resources from that research perspective are your customers, or your prospective customers and your sales team, if you can’t get to those customers, will often hear those like, you know, positive and negatives about your products and services. So getting to those and aligning on stakeholders, AI can be used as you know, you can use it to help think of ideas for like, let me think if you were thinking of like values, like core values, like in and messaging pillars, you can say, hey, you know, I really want it to be something along these lines. We’re circling around on like, exactly right the what the right way to phrase this is. And it can give you 50 different ideas, and you can cross out 45 of them and then land on like the top five that you communicate with your team. Don’t ever take it for rate for like per vatum, sorry, exactly as chat GPT gives you, Christian Klepp  27:55 at face value. JoAnne Gritter  27:57 Thank you. I see that that is a lot harder for early career individuals because they don’t have that discernment yet. So they, they will, they will use it as a crutch, and then, like, oftentimes not have that same kind of editing expertise to see what actually works and what doesn’t. So like pairing AI as a tool with with human intelligence and empathy, for sure, Christian Klepp  28:23 Absolutely, absolutely. I mean, at least in from my observation, and this is where I think AI really falls flat, especially when you’re coming up with the verbal expression component of brand strategy. AI doesn’t really have any soul or character, like everything, it turns out, is very, for lack of a better description, lifeless, so, and that’s where the human element, or to your point, the human intervention, can then come into play, because then you can inject that story, you can inject that human emotion, which also is a very crucial component in B2B, right? As much as people like to say, oh, B2B is all factual, right? And I would, I would disagree with that, JoAnne Gritter  29:06 yeah, it’s, it’s quality over quantity. Now, you know people, people can spot, can spot the AI generated content, and there can be a whole bunch of it, and that can help you in a variety of ways. But if it’s not actually, if it doesn’t sound human speaking or human human sounding, then, then people reject it and they don’t trust it as much. Christian Klepp  29:28 Okay, get up on your soapbox a status quo that you passionately disagree with, and why? JoAnne Gritter  29:37 I passionately disagree with data only marketing. So the big push for data driven marketing, I am, I am on board with that at face value, but it still doesn’t tell the whole story, because you can still look at data from, let’s say you did like a. Um, a focus group about about what customers want from a like a beverage or something. I’m thinking of Coca Cola, and they and they say that they they want it to be healthy. They want it to be low sugar. They want it to taste amazing. They want it to make them, you know, feel great, and stuff like that that does not you’re gonna try to create like this Frankenstein kind of soda instead, instead of recognizing that, like, there’s more psychology to this. Like a Coca Cola has, like, a whole traditional, like branding kind of way that, or traditional and emotional way that they make people feel, and that doesn’t show up in the data, necessarily. That doesn’t show up in the performance data. You know that that is a totally different kind of research too. Christian Klepp  30:51 Yeah, yeah, JoAnne Gritter  30:55 You know, that’s performance, marketing and branding. Christian Klepp  30:58 I totally agree. I totally agree that, as much as there is a big camp out there that says the future is data driven now when it comes to B2B Marketing, and I’m like, Yeah, JoAnne Gritter  31:11 humans are tricky. Christian Klepp  31:13 We’re not robots. Absolutely, absolutely, okay, here comes the bonus question. So Rumor has it that you like to draw. JoAnne Gritter  31:23  I do. Christian Klepp  31:24 Yes, and from one enthusiastic sketcher to another, I thought, I thought deep and hard about this question. Tell us about one of the most well exciting, yes, but more importantly, one of the most challenging works that you’ve created to date. So what was the theme and subject? What made it so challenging to draw, and what did you learn from that experience when you when you completed it? JoAnne Gritter  31:50 I really like to find, like, kind of micro moments I have. I have three children at home, and I like to take pictures, or, like, capture, like small moments of, like one of them snuggling the cat, or like holding hands or doing something unexpected. And in, like, not a macro view, but in a micro view of like, the different connections that people have. And then, usually, I’ll take a picture, and then I will sketch those out after they go to sleep and stuff like that. And that’s just kind of my own personal way to, I don’t know it’s it’s therapeutic. It’s a way to see, see the beauty in the world, you know, and to slow down in the moment. Christian Klepp  32:37 100%. I like to call it Balsam for the soul. JoAnne Gritter  32:40 Yeah, Christian Klepp  32:40 all right, I don’t know about you, but like, I like to sketch in the in this very room where we’re doing the recording, and I usually play classical music. So like, show pen, so something like, with with piano. Like, no opera, because that can get a bit too dramatic. JoAnne Gritter  32:59 I like classical too, when, when I’m focused at classical music, and I also like binaural beats, or it’s more like meditation kind of music. So kind of zone, zone into the moment, instead of all the crazy thoughts that go through your head and all the things you have to do. Christian Klepp  33:17 Very nice, very nice. One of the things I learned about drawing is pretty much like certain aspects of our professional work, you know, like marketing and branding. It starts with a line, and then you just keep adding the layers, right? And it’s almost the same like when you’re implementing a campaign, you know, some especially nowadays, right? You try to start small first, and do a lot of testing to see if it works. And you scale from there. And I like to, I like to think of drawings that way too. You start, you start not by adding the details. You start like, you know, with a lighter pencil. And there’s a certain, there’s a certain way of holding the pencil tool, right, so you have lesser control. And just, it’s just a bit free flowing. And for me personally, it took me a long time to start drawing like that, because I’m like, No, then I don’t have control of the process. But that’s kind of the point, right? Let go of the perfectionism, right? JoAnne Gritter  34:18 You outline it first, and then you start filling in. You know that the shadows and the light marks, and then you slowly bring in the detail. I mean, that you’re totally right, that that is like a marketing or branding strategy. You got to outline it first before you go fully in on any specific detail. Otherwise, you’re you may be way off target. Christian Klepp  34:38 That’s it. That’s it. I mean, JoAnne like I think we just found our next podcast interview topic. But thank you so much for coming on and for sharing your expertise and experience with the listeners. So please a quick introduction to yourself and how people out they can get in touch with you. JoAnne Gritter  34:57 JoAnne Gritter, I’m at DDM Marketing and Communications headquartered in Grand Rapids, Michigan, USA. And I am COO, Vice President of our company. You can get a hold of me at joanneg@teamddm.com or you can just check us out at Teamddm.com Christian Klepp  35:18 Fantastic, fantastic. And we will be sure to like drop all those links in the show notes. So once again, JoAnne, thanks so much for your time. Take care, stay safe and talk to you soon. JoAnne Gritter  35:27 Thanks, Christian. Bye. Christian Klepp  35:29 Bye, for now you.

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2/12/2026 | Today's daily devotional by C. H. Spurgeon on SermonAudio: Title: God Delights to Give Subtitle: Faith's Checkbook by Spurgeon Speaker: C. H. Spurgeon Broadcaster: Prince of Preachers Event: Audiobook Date: 2/12/2026 Bible: Genesis 13:14-15 Length: 1 min.

2/12/2026 | Today's morning devotional by C. H. Spurgeon on SermonAudio: Title: Spurgeon's Morning & Evening - Feb 12 AM Subtitle: Spurgeon's Daily Devotional Speaker: C. H. Spurgeon Broadcaster: Prince of Preachers Event: Audiobook Date: 2/12/2026 Bible: 2 Corinthians 1:5 Length: 3 min.

If you want to get booked and paid to speak consistently, you must know where the opportunities are and how to position yourself as the right speaker for the job. In Episode 3 of The Booked and Paid Speaker Blueprint, Sean breaks down the real world systems he uses inside The Success Corps to land speaking engagements across stages, podcasts, corporate events, ERGs, associations and media appearances. You will learn where paid speaking opportunities actually live, how to build a repeatable lead pipeline, how to respond when you get rejected, and how to frame your speaking business using category design so buyers see you as the only logical choice. This episode is focused on execution. If your goal is consistent bookings and paid speaking opportunities, this is a foundational strategy episode. What You Will Learn In This Episode • Where to find paid speaking opportunities consistently • Platforms that connect speakers with event planners • How to get booked on podcasts using daily opportunity lists • How to secure local and national media appearances • How awareness months create speaking opportunities • How ERGs and corporate initiatives hire speakers regularly • How to respond professionally when you get rejected • Why building a speaking list and working it daily matters • The truth about "build it and they will come" in speaking • How category design helps you stand out in a crowded market • Why buyers purchase outcomes instead of solutions • How to create an easy yes decision for event planners Resources Mentioned In This Episode Speaker Platforms SpeakerHub SpeakerMatch eSpeakers Event Raptor Events In America 10Times Conference Connect Podcast Booking Platforms PodcastGuests.com PodMatch by Alex Sanfilippo Podcast Booking Services Command Your Brand with Jeremy Slate Media Booking Strategy Search morning news shows in your area Use newsroom email contacts Pitch around awareness days, weeks and months All of this AND MORE is here in my Booked and Paid Speaker Guide: bit.ly/getbookedtospeakguide Key Takeaways >Speaking opportunities exist everywhere. The difference between booked speakers and invisible speakers is having a system that brings in leads consistently. >Event planners want clear outcomes, not generic motivation. Your value comes from solving a specific problem that matters to their organization. >Category design allows you to frame, name and claim the problem you solve so buyers immediately understand why they need you. >Rejection is normal. Professional follow up keeps you in future consideration and builds long term booking pipelines. Chapters 00:00 Welcome and podcast rebrand update 00:45 What this show teaches speakers 01:10 The reality of speaking opportunities today 01:40 Where to find paid speaking events 02:20 Speaker platforms that list live opportunities 03:00 Automated event alerts and lead systems 03:40 How to get booked on podcasts consistently 04:30 Podcast booking services and platforms 05:00 How to get booked in local and national media 05:40 Using awareness months to land speaking gigs 06:20 Corporate ERGs and internal speaking opportunities 07:00 Pitching media and companies in advance 07:40 Delivering value when pitching podcasts and events 08:10 Handling rejection and staying in the pipeline 09:15 Building and working your speaker prospect list 10:00 The myth of build it and they will come 10:40 Why listeners trust real world experience 11:20 Selling outcomes instead of solutions 12:00 Introduction to category design for speakers 13:00 Creating a unique value proposition 14:00 Making yourself an easy yes for event planners 14:45 Preview of next episode on speaker fees and negotiation About The Podcast The Booked and Paid Speaker Blueprint is a step by step podcast for speakers who want to build a real speaking business and get booked consistently across stages, podcasts, corporate events and media. Hosted by Sean Douglas, a professional speaker, TEDx speaker and founder of The Success Corps speaker agency, the show teaches real world strategies based on daily execution inside the speaking industry. Call To Action >Subscribe on YouTube and your favorite podcast platform >Share this episode with a speaker who wants consistent bookings >Download the Booked and Paid Speaker Guide here: bit.ly/getbookedtospeakguide >Send a message if you want deeper training on any topic covered

NFC North Rundown: Off-Season Battles and Bold Predictions — In this episode, hosts from the Frustrated Chicago Sports Fan channel, Bleachers to Speakers, and Vikings 1st & SKOL dive into the 2026 off-season dynamics of the NFC North. Key topics include potential trade rumors, new stadium talks, and quarterback controversies. The discussion begins with a poetic introduction about the NFC North's rivalries and transitions into updates on Chicago's sports scene, optimism in Detroit, and Minnesota Vikings fans' reactions to the Super Bowl. The hosts also debate potential quarterback moves, the implications of off-season trades, and the impact of player contracts on team strategies. Additionally, they explore alternatives to watching football during the off-season, including shows like 'Better Call Saul' and sports like NASCAR. The episode concludes with reflections on Detroit Lions legend Tracy Scroggins' passing and encourages fans to stay engaged with upcoming draft coverage. 00:00 NFC North Offseason Drama 01:52 Chicago Sports Update 03:51 Super Bowl Predictions Recap 05:34 Bears Stadium Controversy 13:03 NFL Coaches and Super Bowl Success 21:55 Super Bowl Viewing Experience 28:14 Offseason Entertainment and Sports 32:29 Cadillac's New Race Car and NASCAR Experience 33:11 NASCAR Memories and Bubba Wallace 34:05 Football Break: Detroit's Trade Speculations 36:49 ESPN Power Rankings and Division Predictions 38:43 Detroit's Offseason Strategy and Cap Management 43:19 Vikings' Quarterback Dilemma 01:01:23 Closing Thoughts and Upcoming Content FAN WITH US!!!  Follow us on Twitter ✖️ for more updates… Pay @TheRealPayday, host of Frustrated Chicago Sports Fan Channel, June @asgjune & M Foster @Mbrfosterchild, hosts of the Bleachers To Speakers [Lions] podcast, and Dave Stefano @Luft_Krigare, from @Vikings1stSKOL. This has been a joint podcast production partnered with Fans First Sports Network @FansFirstSN. ⭐️ Subscribe to us here! - Vikings 1st & SKOL, https://www.youtube.com/@vikings1stskol92 ⭐️ and here - Bleachers to Speakers, https://www.youtube.com/@BleachersToSpeakers-yq8tm ⭐️ and here - Frustrated Chicago Sports Fan, https://www.youtube.com/@FrustratedChicago ⭐️ V1&S on X can be found at @Vikings1stSKOL ⭐️ V1&S Discord at https://discord.com/invite/493z6mQXcN ⭐️ At Fans First Sports Network - https://www.ffsn.app/teams/minnesota-vikings/ ⭐️ Catch it here: https://youtu.be/rf7dnZF0XGc Learn more about your ad choices. Visit megaphone.fm/adchoices

China's Commerce Ministry announces a tariff of up to 11.7% (prev. 42.7%) on EU dairy products; effective from February 13th.European equities broadly in the green; Financials lead as Schroders (+28.5%) gets acquired by Nuveen; US equity futures are entirely in the green.G10s mostly firmer against the USD; AUD takes a slight breather.Gilts lead after soft GDP though BoE pricing largely unaffected; USTs tread water ahead of Friday's CPI.WTI and Brent trade slightly lower as geopolitics remain quiet; IEA cut 2026 global oil demand growth and nudged lower supply growth forecasts.Looking ahead, highlights include US Weekly/Continuing Claims, Existing Home Sales (Jan), EU Informal Leaders Retreat, Speakers including ECBʼs Lane & Nagel, BoCʼs Rogers, Supply from the US, Earnings from Applied Materials, Arista Networks, Vertex Pharmaceuticals, Howmet Aerospace, Coinbase & American Electric Power.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Chris Dyer is a culture builder, bestselling author, and globally ranked leadership speaker who's helped redefine what workplace success can look like. After leading companies that earned “Best Place to Work” recognition 15 times, Chris now spends his time on stages around the world, challenging leaders to raise the bar from good to unforgettable. In this episode, he and Ryan talk about what most companies get wrong about culture, why mediocrity is the default, and how leaders can show up when the moments matter most. Chris shares lessons from building—and selling—his own business, and what it takes to find community again when your team is suddenly gone.

Episode SummaryWhy do so many capable speakers never gain momentum or consistent bookings?In this short solo episode, John Ball breaks down the single biggest block that stops speakers from becoming successful professionals. It is not talent, confidence, or credibility. It is the habit of overthinking and under-acting.Drawing on years of coaching speakers and working inside the speaking industry, John explains how planning becomes a comfort zone, why “being ready” is often procrastination in disguise, and how real progress only starts when action meets reality. If you want to treat speaking like a business rather than a hobby, this episode will give you a sharp reset.CHAPTERS00:00 Introduction and Episode Overview02:09 The Main Obstacle for Speakers03:05 The Importance of Taking Action06:30 Navigating Challenges and Imperfections11:30 Building a Speaking Business17:54 Conclusion and Call to ActionVisit https://strategic-speaker.scoreapp.com to take the 2-minute Strategic Speaking Business Audit and find out what's blocking you from getting more bookings, re-bookings, referrals and bigger fees. There's a special surprise gift for everyone who completes the quiz.Want to get coached for free on the show? Fill in the form https://forms.gle/mo4xYkEiCjqtz9yP6, and if we think your challenge could help others, we'll invite you on.For speaking enquiries or to connect with me, you can email john@presentinfluence.com or find me on LinkedInYou can find all our clips, episodes and more on the Present Influence YouTube channel: https://www.youtube.com/@PresentInfluenceThanks for listening. Rating the show 5* on Spotify helps their algo recommend the show, so please take a moment to follow the show and leave a rating.Mentioned in this episode:The Strategic Speaking Business AuditTake this quick quiz to find out where and why your speaking business is leaking opportunities.

https://theprint.in/politics/in-a-first-since-1987-oppn-seeks-to-remove-speaker-accuses-om-birla-of-being-blatantly-partisan/2851018/

A new MP3 sermon from Albert Mohler | The Briefing is now available on SermonAudio with the following details: Title: Wednesday, February 11, 2026 Subtitle: Cultural Commentaries Speaker: Dr. R. Albert Mohler, Jr. Broadcaster: Albert Mohler | The Briefing Event: Current Events Date: 2/11/2026 Length: 25 min.

Sunday Guest Speaker Pastor Rich Rose 2/8/2026

In this episode of High Stakes with Steve Rozenberg, Steve sits down with Dr. Bushra Khan —professor, speaker, entrepreneur, and leader—to talk about the chapters that actually shape us. Everyone has a story. Most people never tell it.   From being kicked out of university (twice) to becoming a professor… From self-doubt and imposter syndrome to purpose, faith, and leadership… From survival mode to building a life rooted in service, integrity, and courage.   This conversation dives deep into: • Identity beyond titles • Letting go of beliefs that hold you back • Leadership, resilience, and emotional intelligence • Why fear and doubt might actually be signs of growth • What it really means to live with integrity   If you've ever felt stuck, questioned your path, or wondered “Is this really who I'm meant to be?” — this episode is for you.  

APAC stocks traded higher but with some of the gains in the region capped after the weak handover from the US and with the NFP report on the horizon, while participants also digested earnings and data in thinned conditions, with Japanese markets shut for a holiday.Ukrainian President Zelensky plans spring elections alongside a referendum on the peace deal after a US push.US President Trump said he might send a second carrier to strike Iran if talks fail and stated that "Either we will make a deal or we will have to do something very tough like last time".European equity futures indicate a quiet cash market open with Euro Stoxx 50 futures +0.1% after the cash market finished with losses of 0.2% on Tuesday.Looking ahead, highlights include ECB Wage Tracker, US NFP (Jan), Japanese PPI (Jan), BoC Minutes (Jan), OPEC MOMR. Speakers include ECB's Cipollone & Schnabel, Fed's Schmid, Bowman & Hammack. Supply from Germany & US. Earnings from T-Mobile, McDonalds, AppLovin, Equinix, Motorola Solutions, Hilton, Kraft Heinz, TotalEnergies, Michelin.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

China is reportedly considering probing wine from France; could consider launching anti-dumping duty to French wine, and potentially take counter measures against the EU if it adopt duties.European bourses are trading on the backfoot; FTSE 100 outperforms on the back of firmer commodity prices; US equity futures mixed.DXY slightly lower heading into US NFP, JPY continues to gain, AUD bid after RBA's Hauser said inflation is "too high".Fixed income rangebound; Bunds little moved following tepid auction.Crude edges higher as Trump mulls sending another carrier near Iran; Gold rangebound; Base metals rise, led by nickel prices following an cut in output from the world's largest mine.Looking ahead, highlights include US NFP (Jan), Japanese PPI (Jan), BoC Minutes (Jan), OPEC MOMR. Speakers include ECB's Schnabel, Fed's Schmid, Bowman & Hammack. Supply from the US. Earnings from T-Mobile, McDonalds, AppLovin, Equinix, Motorola Solutions, Hilton and Kraft Heinz.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

One of our listeners had an awkward face-to-face encounter at work with his ex, but since he was disguised, she still has NO IDEA it happened to this very day!See omnystudio.com/listener for privacy information.

The Drunk Guys drink themselves underground this week when they read Notes from Underground by Fyodor Dostoevsky. They look under: Sour Face by Mighty Squirrel Brewing and Wandering into the Fog by Abomination Brewing. Join the Drunk Guys next Tuesday when they read Speaker for the Dead by Orson Scott Card. The Drunk Guys now have a Patreon! The Drunk Guys Book Club Podcast can be found on Apple Podcasts, Google Podcasts, Spotify, Stitcher, PlayerFM, Overcast, and where ever fine podcasts can be found. We are also part of the Hopped Up Network of independent beer podcasters. If you're drunk enough to enjoy the Podcast, please give us a rating. To save time, just round up to five stars. Also, please follow us on Twitter, Instagram, and Facebook. There's no excuse to miss another Drunk Guys episode, announcement, or typo!

A new MP3 sermon from Truth For Life - Alistair Begg is now available on SermonAudio with the following details: Title: Groaning and Glory Subtitle: Messages from Truth For Life Speaker: Alistair Begg Broadcaster: Truth For Life - Alistair Begg Event: Conference Date: 11/17/2025 Bible: Romans 8:18-30 Length: 39 min.

Author and Minister, Stacey Thacker and Ministry Leader and Speaker, Anne Harrison join Tasha and get honest about what it looks like when God transforms you from the inside out.

Lukas M from Baltimore, MD brings a message of depth and weight at Day By Day Speaker Group in Carlisle, PA 

https://youtu.be/GkQDH0krMls In this podcast/video, Debra Kasowski speaks with Tess Fyalka to discuss the release of her new book, Walk the Leadership Ledge. This dynamic interview shines a light on the emerging leader – the growth, the mindset, and the drive required to succeed. Tess’s knowledge, experience, and expertise speaks volume about the influence and impact leaders can make. We all need to see ourselves as leaders. #leadership #tessfyalka #debrakasowski The New Leader’s Reality Check – https://tess-anglecoaching.scoreapp.com Tess Fyalka (Fee-al-kuh) is an award-winning author, leadership development coach, team coach, corporate trainer, and speaker. She brings more than 25 years' experience in leadership, management, corporate training, and organizational development. She is the author of the recently released book Walking the Leadership Ledge; The “New” Leaders Guide to Building Resilience and Confidence at Every Step. (www.walkingtheleadershipledge.com). The book earned early recognition generating three first place fall 2025 BookFest Awards in the Business Leadership categories of Leadership & Management, Business Communication, and Women in Business. Tess is one of only 247 professional leadership coaches in the United States, and 1,100 worldwide, to have earned the International Coaching Federation's Advanced Certification in Team Coaching (ACTC). She is a 2024 Illinois Women in Leadership Athena nominee, which recognizes 10 women for professional excellence, community service, and for actively assisting women in their attainment of professional excellence and leadership skills. Tess recently spent nearly 10 years as director of employee development and engagement for a mid-size commercial construction company where she built their leadership development, coaching, and corporate training infrastructure. She was instrumental in leading the organization to earn the Apex Training Top 100 recognition in 2022 and 2023, which is awarded to only 100 organizations worldwide. Prior to that she was an independent consultant and worked for 14 years with a management consulting firm, which specialized in helping small businesses develop their management systems. She has authored or ghost-written more than 2,000 articles, white papers, blogs, and chapters in books on topics related to management and leadership. She is the owner of Angle Coaching & Communication, LLC (www.anglecoaching.com), a private coaching and consulting practice specializing in leadership development and team effectiveness. Her passion is helping leaders at all levels develop the essential core competencies to lead successfully and equipping organizational teams with the tools they need to cut through challenging team dynamics and achieve their full potential. Certifications ● Certified Professional Co-Active Coach (Co-Active Training Institute) ● Advanced Certification in Team Coaching (International Coaching Federation) ● Team Coaching Certified Practitioner (Global Team Coaching Institute) ● Professional Certified Coach (International Coaching Federation) ● Leadership Circle Certified Practitioner ● Organization Development Certified Professional ● Navigating Transitions Certified TQ Coach ● Leadership Strategies Trained Facilitator ● EQ-i-2.0 Certified Practitioner ● Conversational Intelligence Coach Practitioner ● Crucial Conversations & Crucial Accountability Certified Trainer ● Playing Big Trained Facilitator ● Positive Intelligence Coach ● BA, MA Tess and her husband Eric are the parents of two adult children. Websites: ● www.anglecoaching.com ● www.walkingtheleadershipledge.com Social Media: LinkedIn: https://www.linkedin.com/in/tess-fyalka-cpcc-pcc/ Debra Kasowski is the charismatic podcast host of The Millionaire Woman Show, 3X Best Selling Author, Speaker, and Certified Executive Coach. She interviews incredible speakers, authors, CEO, Business and Organizational Leaders, and drops solo episodes with tips, strategies, and techniques for your success. GET YOUR GIFT Sign up for our Success Secrets Newsletter and download your FREE 10-page PDF of Reset Your Mindset at www.debrakasowski.com. Book your Complimentary Discovery Session with Debra today! 1. Connect with Debra Kasowski on social media Instagram https://www.instagram.com/debrakasowski YouTube https://www.youtube.com/@UCIg8Qcl0OERGMbT5eOUGkCg Facebook https://www.facebook.com/DebraKasowskiInternational/ 2. SUBSCRIBE to The Millionaire Woman Show podcast on iTunes 3. PURCHASE Debra's books – Amazon, Barnes & Noble,

Jesus’ familiar parable about where you ‘build your house’—on rock or sand—contains an often ignored underlying truth—one that He wanted His disciples to never forget…

False Prophets seem to be popping up everywhere—but how can we tell they’re false in an age of AI and ever-shifting truths? Jesus cleared it up once and for all…

A new MP3 sermon from Albert Mohler | The Briefing is now available on SermonAudio with the following details: Title: Tuesday, February 10, 2026 Subtitle: Cultural Commentaries Speaker: Dr. R. Albert Mohler, Jr. Broadcaster: Albert Mohler | The Briefing Event: Current Events Date: 2/10/2026 Length: 26 min.

The headlines of the day by The Indian Express

The following sermon was chosen as a 'staff-pick' on SermonAudio: Title: 24-Hour Prayer Meeting Subtitle: The Vault VLOG Speaker: Steven Lee Broadcaster: SermonAudio Classics Event: Podcast Date: 2/10/2024 Bible: Psalm 40:1 Length: 6 min.

In this Quick Tip episode, I'm exploring something that can either elevate your speaking game or trip you up - speaker archetypes.  Here's some of the ones you might have come across... Storyteller. Teacher. Provocateur. Authority. But if you've ever found yourself feeling slightly "off" on stage, even when your content is good, this episode might explain why. In this episode, I'm exploring the pressure, (often at the heart of some speaking coaching systems), to pick and swap styles as you move through your talk. We'll look at why that way of thinking can subtly mask your personality, why some performance advice creates more confusion than clarity, and why the way actors approach a script might be a more useful lens for speakers. This episode isn't about giving you another label. It's about helping you notice what stays consistent, even when everything else in a talk changes. What you'll discover:  The hidden pitfalls of rigid speaker archetypes and how they can negatively impact your performance. The subtle way "presenter mode" can creep in without you noticing     A question most speakers never ask about how they show up on stage A perspective borrowed from acting that might shift how you think about speaking     The difference between changing tone and changing who you are Why some talks feel technically solid but emotionally flat Why this conversation matters before you ever think about humour Enjoy! If you'd like to watch the video of the episode, it will be available soon. Speaking Resources: Grab Your From Blank Page to Stage Guide and Nail the Topic for a Client Winning Talk: https://saraharcher.co.uk/newguide-tsc  Want to get better at finding and sharing your stories then check out our FREE Five Day Snackable Story Challenge: https://www.saraharcher.co.uk/challenge  To share your thoughts:                                                   ·   leave a comment below. ·   Share this show on X, Facebook or LinkedIn.   To help the show out: ·   Leave an honest review at https://www.ratethispodcast.com/tsc. Your ratings and reviews really help get the word out and I read each one. *(please note if you use my link I get a small commission, but this does not affect your payment)  

What does it mean to stand in total darkness and become a beacon for others? On September 11, 2001, former U.S. Secret Service agent Darin Kinder was inside the World Trade Center complex when the towers fell. He ran from collapsing buildings, guided desperate people toward light in pitch-black debris clouds, and survived one of history's darkest days.But this episode isn't just a 9/11 survival story.Twenty-four years later, Darin shares how that trauma became the backdrop for discovering true purpose, healing through obedience, and a lifelong vow: to live (and one day be buried) in a “dirty suit”—sleeves rolled up, getting into the mess of life for God's glory instead of staying clean and comfortable.In this powerful conversation, Darin opens up about:The moment he stood in an alley amid screams and dust, calling strangers to safety—and the spiritual metaphor he only saw 10 years laterWhy stuffing down pain doesn't work, and how sharing his story brought unexpected healingThe three core traits he's instilling in his four sons (and every man listening): integrity, courage, and compassionProtecting marriage and family during high-stakes seasons (including post-9/11 chaos)His promise to God after seeing “clean suits” vs. “dirty suits” on 9/11—and why he wants every man to reject a passive, shiny lifeIf you're a leader, father, husband, or man feeling the pull toward deeper purpose, this episode is your rallying cry.--Are you struggling to discover your true identity? Or experience deeper intimacy with your wife? Reach out to Lantz Howard to start the conversation. Or take the free assessment to scan the health of your marriage and leadership. www.lantzhoward.com

The Bad Speakers crew returns with another ignorantly intelligent breakdown of everything shaking the culture — from shocking NBA trades and Super Bowl reactions to hip-hop beefs and viral political controversy. Episode 215, The Fall Off, is packed with debates you won't hear anywhere else. The guys open with the bombshell NBA trade sending Anthony Davis to the Wizards, and what it means for the league's power structure. They also react to Jimmy Iovine's bold claim that streaming services are “minutes away from being obsolete,” and debate what the future of music really looks like. Things get serious when the crew discusses the viral post allegedly shared by President Trump depicting Barack & Michelle Obama as monkeys — was it real, political trolling, or something deeper about the current climate? Hip-hop talk heats up with a dream Verzuz matchup: T.I. vs 50 Cent — who really wins? 50 continues trolling Tip with snitching allegations, and the crew weighs in on the history, hits, and street narratives behind both legends. A full review of J. Cole's new album The Fall Off follows — did Cole deliver a classic or fall short of expectations? Then it's Super Bowl time: Reactions to the big game Thoughts on Bad Bunny's halftime performance The internet noticing Cardi B & Stefon Diggs unfollowing each other after the loss More music drama continues as NBA YoungBoy calls out Future for a Verzuz battle — is YB actually unbeatable? The crew also breaks down the messy back-and-forth between GloRilla and her sister, sparking a real conversation: Are you obligated to take care of family once you make it? They close with a major question: Should Chris Brown headline next year's Super Bowl halftime show? Real opinions, wild jokes, and unfiltered culture talk — classic Bad Speakers energy from start to finish. FOLLOW US⬇️ Ya Boi Shad - https://www.instagram.com/itsyaboishad/ G. Downs - https://www.instagram.com/gdowns1486/ https://www.youtube.com/c/BadSpeakersTV https://www.instagram.com/badspeakerspodcast https://www.tiktok.com/@badspeakerspodcast https://twitter.com/BadSpeakers https://www.facebook.com/badspeakerspodcast

Register here to attend the live virtual event "Why Central Florida is the Year's Most Compelling Housing Market" on Thursday, February 19th at 8pm Eastern. Keith looks at how a changing Federal Reserve leadership might shape the interest rate environment, then zooms in on what's really happening with homebuilders versus remodelers across the country.  You'll hear about a lesser-known strategy some investors are using to step back from day-to-day landlording while keeping their income, and then we head to Central Florida to explore why one fast-growing market is quietly becoming a hotspot for new-build rental properties.  Along the way, a longtime Florida builder joins the show to explain how they're creating affordable, investment-friendly homes and what kinds of rents and tenant demand they're seeing on the ground—plus a way you can learn more live if this opportunity fits your own portfolio plans. Resources: Register for the event at GREwebinars.com Episode Page: GetRichEducation.com/592 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, the naming of a new Federal Reserve Chair. Then are homebuilders in trouble today? There are a dwindling number of them, and their profits are down. I'll talk to a homebuilder. Listen to what amenities tenants want today, and it's interesting. We'll learn how low of a mortgage rate builders will give you. Now there's an opportunity here today on get rich education.   Corey Coates  0:30   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki. Get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Keith Weinhold  1:14   mid south home buyers with over two decades as the nation's highest rated turnkey provider, their empathetic property managers use your return on investment as their North Star. It's no wonder smart investors line up to get their completely renovated income properties like it's the newest iPhone headquartered in Memphis, with their globally attractive cash flows, mid south has an A plus rating with the Better Business Bureau and 4000 houses renovated, there is zero markup on maintenance. Let that sink in, and they average a 98.9% occupancy rate with an industry leading three and a half year average renter term. Every home they offer you will have brand new components, a bumper to bumper, one year warranty, new 30 year roofs. And wait for it, a high quality renter in an astounding price range, 100 to 150k GET TO KNOW mid south enjoy cash flow from day one at mid southhomebuyers.com that's mid southhomebuyers.com   Speaker 1  2:17   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  2:33   Welcome to GRE from countersport Pennsylvania to Davenport Iowa and across 488 nations worldwide. I'm Keith Weinhold, and you're listening to get rich education now more than ever, where you learn about personal finance and real estate investing matters. There's more AI generated content out there. This show is all flesh and blood me. There's also more clickbait content out there that says something like the housing market is about to have a price crash. No, it's not. They're just there to get short term attention. So your information source really matters today. New incoming Fed chair, Kevin Warsh, was recently named. He will replace the outgoing Jerome Powell on May 15. I want to tell you more about that in a moment. But first, just imagine if this scenario were to occur, say that we get a Fed chair that has to deal with really high inflation. And so what this Fed chair does is that he successfully brings inflation down, and he does that without triggering a recession that's called a soft landing. Well, you know what? That's exactly what Jerome Powell did the past three years. Yeah, that's what he's accomplished, and he doesn't get credit for it. He only gets a lot of criticism. Now this doesn't mean that I love Powell. I don't even know that the Fed should exist at all, but Powell got a lot of criticism for calling 2022, wave of inflation transitory, and being too late to respond to it. So he gets some credit here as his term of more than eight years winds down. Let's listen in to some of Jay Powell's recent comments about succession,    Speaker 2  4:23   you've obviously experienced a lot during your time as Fed chair, served under multiple presidents. I'm wondering what advice you have for whoever your successor might be.   Speaker 3  4:34   Honestly, I'd say a couple of things. One is, you know, stay out of elected politics. Don't get pulled into elected politics don't do it. And that's another thing. Another is that you know, our window into democratic accountability is Congress, and it's not a passive burden for us to go. To Congress and talk to people. It's an affirmative, regular obligation. If you want democratic legitimacy, you earn it by your interactions with the our elected overseers. And so it's something you need to work hard at, and I have worked hard at it so and the last thing is, you know, it's easy to it's easy to criticize government institutions so many ways. I will tell whoever it is you're about to meet the most qualified group of people you not only have ever worked with, you will ever work with and when you meet fed staff. And not everybody's perfect, but, but there isn't a better cadre of professionals more dedicated to the public well being than work at the Fed.    Keith Weinhold  5:43   Yeah. So to Powell's point, the next Fed chair, worsh, does champion fed independence, much like Powell has. That is a good thing that keeps America from turning into a banana republic that maintains a strong dollar. Warsh was actually a Fed Governor back during the 2008 global financial crisis, so he's got that experience when he comes in as Fed Chair in three months, he's widely expected to lower interest rates more than Powell did, much like the president wants. Kevin Warsh looks a lot like Michael Scott from the office. He has got to be less bumbling than him, though, overall, the effect on real estate and mortgage rates by shifting from PAL to worsh, I mean, that should be pretty mild. Maybe you'll see rates go a little lower than if pal had stayed and speaking of rates, wait till you see how low the mortgage rate is that our homebuilder guest is offering today. What's really happening with homebuilders now? How much trouble are they in? Homebuilders have largely been maligned. Overall. There are fewer homebuilders today in America than there were 20 years ago, and there are more remodelers than there were 20 years ago, fewer home builders, more remodelers, and that's for a few different reasons. Over the past couple decades, we just have substantially higher labor and material costs, stricter building and energy codes, higher interest rates, and that disproportionately hurts long duration construction projects. We've got zoning constraints and land constraints that make ground up development slow and uncertain and risky. So while the number of Home Builders in America is down, the number of remodelers are up, because America's housing stock is getting older. Its median age is over 40 years, and that creates constant demand for upgrades. Capital prefers faster, lower risk cycles. That's what remodels offer, and homeowners with locked in low mortgage rates choose to stay in place. And what does that make them do? That makes them renovate and remodel, not move. So this is why, compared to 20 years ago, you have fewer home builders and more remodelers. Today, that's per the NAHB and the Census Bureau and all these forces, they've resulted in a lower profit margin for homebuilders. Yes, homebuilder margin compression for a lot of the bigger builders, including DR Horton, just as you might guess in this cycle, their profits were greatest in 2022 and they have fallen since then. Higher mortgage rates came in, and builders had to lose profits by offering more incentives to entice buyers. You're going to learn more about that today and how it really spells quite an opportunity for you and I. When the final change in national home prices was tallied for the end of last year, they had risen in 16,500 zip codes. All right, that's 63% of America's zip codes, and prices were lower from a year earlier in the other 37% home price gains were concentrated in the Northeast and Midwest, and the story there continues to be too many buyers and not enough homes. In fact, over 85% of zip codes saw price growth in Illinois, Connecticut, Wisconsin and Indiana, slow, steady, stubborn, kind of like winter refusing to leave. Losses were predominant in the Sun Belt. Prices caught their breath there. There was price attrition in Florida, with 96% of zip codes, so nearly all of Florida, then California, 78% of zip codes had a price loss. Texas, 75% of them and Arizona, 73% the biggest pocket of opportunity appears to be in Florida. Florida property is on sale. And because real estate is local. A lot of times we talk here nationally, but to get to that local level, sometimes you have to dig in to a local market to really find out what's going on. We're going to do that today. Now, central Miami, Orlando and Tampa, they're not generally the spot for obtaining cash flow from long term rentals. I've identified an opportunity. We'll get into that with this Florida homebuilder shortly. It's kind of funny. You'll run into people that say they want opportunity, but what they really want is certainty. How it plays out, though, is that once the certainty arrives, the opportunity is gone, and that's how to think about Florida and maybe Texas and some of these other markets today that have had price attrition.    Keith Weinhold  10:48   Now, three weeks ago, here on the show, I discussed the 721 exchange for the first time. So I won't get into all those details again when it comes time for you to sell your investment property, the 721 can be the best way for you to cash out. Perhaps you've been investing in real estate for a while and you have turned get rich education into got rich education. How the 721 exchange works is they basically say you have a case where you're a rental property owner and you realize that you don't want the hassles of landlording anymore. Oftentimes, this can mean you're older and real estate investing already took you where you wanted it to take you in life's journey, but you still like the financial benefit that ownership gives you. What you can do is exchange your properties into a partnership and receive shares in that partnership. Now that's different than a 1031, exchange. That's where you trade up some of your property that you directly own for what's usually more and larger property that you directly own. Well, instead, here's the big deal with exchanging your properties into a 721, partnership. The rules stipulate that this is not a taxable event, and therefore you don't have to pay any capital gains tax or depreciation recapture. Now that you're an owner in the partnership, you still get some of the benefits of owning the property, like appreciation and cash flow and such, yet no management or landlording at all like you would have with a 1031 and with a 721 you get all these benefits across a greater number of properties and markets diversification because you're a fractional owner in the other properties that are in the partnership, not only your own, and when you eventually pass away, your shares are stepped up in basis and can be distributed equally to heirs and C It's surely easier for you to divide shares among, say, your three children, than it is to divide your 18 rental houses among three children Who are going to have different goals and varying degrees of financial savvy. So the 721, exchange is a great estate planning tool too. You will have this partnership that makes an offer to buy your property. You're exchanging them for partnership shares. There's a firm that does this called flock homes, and they have a certain Buy Box to be clear with the 721, exchange, you can basically trade your rentals for shares in a diversified, professionally managed Real Estate Fund. This means that you keep your hard earned equity defer capital gains and other taxes, and you still get access to steady income and long term appreciation without the hassle of landlord duties, and you can visit flockhomes.com/gre, and get a free valuation. Get an offer for your property, see if it fits their buy box and see how much they'll pay you. There's often no need to pay to fix up or stage the property for sale or pay agent commissions for a certain investor type. This really can be a rather life changing experience for you to liquidate some or all of your property have zero tax obligation and still enjoy income and appreciation. So again, what you can do is stop by flock homes.com/gre, that's F, l, O, C, K, homes.com/g, R, E, let's discuss the home building climate today.   Keith Weinhold  14:38   I'd like to bring in a premium Florida homebuilder guest to the show, Jim, because there has been more homebuilding in Florida such that some areas of the state have excess supply. And when you add that onto the fact that the hot pandemic migration to Florida has slowed such that home prices have made a rare dip in the state, that is why it. A timely topic. Jim, you're on GRE Welcome to the show. Keith, great to be here. Thanks for having me. Yeah, and we did the IRL thing in Colorado there a few weeks ago. That was great hanging out in person. You provide entry level new build homes, mostly in Central Florida. And these are properties that are conducive to real estate pays five ways. These are properties that investors chiefly buy as rentals. So just bigger picture, tell us about that overall experience over, say, the last five years, as the pandemic wound down,    Jim Sheils  15:35   yeah, as the pandemic wound down, obviously Florida had a lot of attention. Some of it, rightly so, some of it, I think a little more inflated and commercial attention getting thrown at it. And you know, the type of deals that you and I have always stayed away from were very popular in Florida. You know, we're talking really nice houses. Keith, beautiful, nice HOAs people got in in 2021 let's say, with those very low interest rates on a six or $700,000 home, but now they're realizing that it's not going up $100,000 a year as they thought. And when they try to sell it, well, people trying to buy in $700,000 home, they're not getting that low interest rate. And if these people try to hold it and rent it, well, it doesn't cash flow, so it breaks one of those rules. It's not putting money in people's pockets, taking it out. And so we're seeing there was a large distribution of those types of houses around Florida. And then there were some builders like us that really focused on what was the most needed, and that was workforce housing. Now workforce housing, though, Keith, as you know, a lot of the builders don't want to build it. Why? Let's be straight. It's because the margins are lower right. But as you know, with me and my partner Chris, it was always let's make less margin and do more volume. That was always our model, and that was the area of the market where we felt we could build it right, we could get it financed right, and we could manage it right to hit the five things. And so we're seeing today, post pandemic, there are still key markets where the population growth is still the highest, coming into Florida, the prices are still the lowest, and there is a shortage of this type of workforce housing.   Keith Weinhold  17:11   Yes, you've identified a geography within Florida that have some of these characteristics like you're talking about. Tell us more about that region.   Jim Sheils  17:20   Yeah, we call it the Ocala region, so Central Florida, just west of Orlando. Right now, for example, u haul does their U haul top markets rankings every year? So where are the most U haul trucks going to now, you don't want to be on their side where they're coming from, Keith, because that's obviously the opposite. But for the second year in a row, the greater Ocala area has been the number 1u haul destination place in the country. So there's still a ton of population growth going there. Central Florida, I'm not going to say it sat out the growth during the pandemic that a lot of areas of Florida did, but it was starting at such a low basis with such a small amount of attention that today, even when people say, oh gosh, like I just said, house is 600 700 800,000 we're building new construction single family homes for under 300,000 the 270s a lot of the time. And we're building duplexes sometimes for under 400,000 and a lot of our you know, investors coming from the west coast. Say, are these fully built? Are they? But again, Central Florida has had a great affordability. Remain intact. It has a large population going in. There is a ton of job resource just blowing up in the area. And as you know, these are the things we look for. So we bought a lot of lots there. I'm gonna give credit to my partner, Chris. He saw calla more than I did, and we bought a lot of lots there in 2020 so before all the rises. So we got into the land basis, right? So that means we can build them at a great price. Our land basis is low, and that obviously passes along to our clients. And again, Central Florida is a perfect match for our goal. Because, you know, our goal is workforce housing, that cash flows on day one. But also nothing wrong with fixer uppers. I own a lot. I used to do a lot, but the new construction seems to have a little bit more of a less involvement, which it seems like a lot of our clients want.   Keith Weinhold  19:15   That was really prescient, as it turned out, for your business partner, Chris there to gobble up a lot of that land in 2020 before prices went soaring. And this is one reason why you can do things like offer a duplex for less than 400k That's a new build, which has some people saying like, does that thing include a roof even? But it surely does. These are very good quality livable properties. And the reason I have you here, Jim is because you are rare. There are fewer builders today than there were in decades past, and also those that build to your point earlier. They only want to build higher end properties, not the more affordable ones that you offer. We'll get more details on your price points and what properties. Products you offer later. But yeah, we have more remodelers today and fewer builders. And though it's a few years old, I found it interesting that census statistics show us that between 2007 and 2022 there are 73% more remodelers and 21% fewer builders today.    Jim Sheils  20:22   Interesting. You know, Keith, I didn't know that, and that makes me scratch my head on like when you and I were in Colorado, we were talking about future needs, even with growth that occurred during the pandemic going all the way back to oh eight when a real shortage started to start, we are still at an estimated three to 5 million homes short in the US. It really perplexes me that the amount of builders like us will be going down and not actually entering the market.   Keith Weinhold  20:47   Now, among those that are building, though, much of that is concentrated in the South, as I think we know, there's a recent resi club compilation show that 59% of current single family home building is in the south, and 41% is everywhere else. And how do you define the South? That's basically Maryland down to Florida, all the way out to Texas and Oklahoma. So you are pretty rare in some ways. However, where you're building regionally, that's not a rarity there, but yeah, having more remodelers today and fewer home builders, that's probably the result of a lot of things. You know, for one thing, just land and construction costs becoming that much more expensive over the past five years.   Jim Sheils  21:05    Yeah, we've been lucky, too, as you know, Keith, you've been with us for a decade now. But yeah, and we transitioned a piece of our company where Sumitomo forestry, large Japanese group stepped in and acquired a piece of our property. That was a very exciting thing for all of us together, because we had done well, and, you know, started small and built up to a decent sized builder for Northeast Florida and then the rest of Florida. But now, with Sumitomo coming in again, they build 17,000 homes worldwide every year, between all of their builders. Now being a part of them, we get to use their national material accounts, so they get pricing just as good, if not better, than national home builders, and they let us do our thing, stick to our build to rent, working with investor clients. We're not retail buyer guys, really. We like working with our investors, but just getting those great discounts on materials, again, we're always looking to pass on savings to our clients. Of course, we got to make margins as well, but if we're getting in with deals like that, getting into the land right, and knowing the pinpointed areas to get into, we can get the best deal for everyone. And that's been a major part having such a big, successful partner like Sumitomo keep us healthy, viable and able to do things we could have not even dreamed of five years ago.   Keith Weinhold  22:47   Yes, that gives you more capital and more options. Another unusual aberration in the market that really centers on a lot of what you do is that this fact that and this was mentioned on the show last year for the first time in my life, existing homes cost more than new build homes. Existing homes at about 420k nationally, and new build homes about 392k part of the divergence there is probably builder price cuts. So tell us more about that.    Jim Sheils  23:14   I think the issue Heath is builders built for largest spreads, and people bought very emotionally. I think you're to give you a compliment a very unemotional real estate buyer. You're not looking at, oh, this is a very nice, you know, extra his and hers porcelain sink. And we're looking at fundamental numbers a good, solid property. And I think what's caused a lot of that is people did the opposite. Builders were looking for the largest margin they could get, which was on those types of properties. And then buyers were looking very emotionally, and they were told, Hey, this is going to go up 50 to $100,000 a year. So just sit there and hold on, sure you'll lose $1,500 a month, but don't worry about it. You'll make up for that every year. And obviously we're not seeing that's true. They could have really used your class about the five ways to get paid in real estate. And I think that that's what's doing it. And this is what builders do. I mean, everyone's in a business, and a lot of builders just focus on the largest margin. Now that's eating them up now, because those types of properties are not in demand. To build them on spec would be very dangerous, but you can see that that worked for a short term. We're very glad we went to the low margin workforce housing model, because I see that falling out of favor almost never even in Oh 809, Keith, when I was in the remodel game, a lot of the properties that were new construction coming out that time they were affordable, still did very well.   Keith Weinhold  24:42   We're talking with a premium Florida homebuilder today, because they offer affordable properties that make sense for investors. But what about the demand? Where is that going to come from? Where is that going to be? And that's what's happening with the renter segment. We'll talk more about that when we. Come back. You're listening to get rich Education. I'm your host. Keith Weinhold,   Keith Weinhold  25:03   flock homes helps you retire from real estate and landlording, whether it's one problem, property or your whole portfolio through a 721, exchange, deferring your capital gains tax and depreciation recapture, it's a strategy long used by the ultra wealthy. Now Mom and Pop landlords can 721, the residential real estate request your initial valuation, see if your properties qualify@flockhomes.com slash GRE, that's F, l, O, C, K, homes.com/gre.    Keith Weinhold  25:39   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text now it's 1-937-795-8989, yep, text their freedom coach directly. Again, 1-937-795-8989,   Keith Weinhold  26:51   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally, while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Ken McElroy  27:26   this is Rich Dad advisor, Ken McElroy. Listen to get rich education with Keith whitehold, and don't twitch your Daydream.   Keith Weinhold  27:40   Welcome back to get rich Education. I'm your host. Keith Weinhold, we're talking with Jim a premium Florida homebuilder here at such an interesting time in the cycle, since supply is up in some parts of Florida, Jim and his team has strategically chosen a place that is still fueling a lot of net in migration in Central Florida, and that's where the rental demand needs to come from as well. Now nationally, we've seen the homeownership rate fall over about the past year, from near 66% to near 65% that does not sound like much, but a 1% shift means there are 1.3 million new renters in just the past year. So with that in mind, and the fact that this low affordability for home buying means that people need to rent or stay renters longer, provides some of the Sustainable demand. So tell us more about the rental demand in Central Florida.   Jim Sheils  28:39   Yeah, you know, when we first went out there about a decade ago, Keith, I think it was 82 or 83% of all properties out there were owner occupied, which means it was a very lopsided amount of existing rental property available. And this is before the curve of population growth really took off. But when Chris and I went out there and we were assessing that small percentage of rental property that was out there. Gosh, it was old and kind of beat up. There was not a lot like the new construction that was available. So when we brought in new construction, we saw just the competition. Was hard to compete with us. You know, when it was an older, not so nice taking care of we came in and we saw a jump from, you know, doing older houses ourselves, you know, a person would stay about 13 months. But for the new construction in Central Florida, we've seen a jump to about three years. So that's really positive. People get into a new construction property they don't want to leave, whether that's half of a duplex or a single family. The duplexes are interesting because we're able to build those on infill lots and existing single family home neighborhoods, so a person who doesn't want to live in an apartment can live there, have their own yard, and they couldn't afford the whole single family, but to have half of a single family basically what a duplex is. It makes a big difference, and the people are in great demand of rental in Central Florida there because of exactly why. I said, Keith, the job. Course, continues to grow in Central Florida, extremely strong. The business incentives to come into the area by the local municipality is very, very good. So here's something interesting, Keith, the average salary in Ocala is about 72,000 and the average home price is about 298,000 that is a very healthy affordability one. Yeah, very, very good. And so that job source continues to pay very well. And we've talked about just the logistics centers and the Equestrian Center. That's the largest in the world. Now the villages are just 25 miles south. So Ocala becomes a bedroom community, and that is the second largest retirement community and growing in the US. So there's a lot of job source that allows people to live there at a good affordability. And so that combination of affordability with this extending job source has been really, really good for the Ocala region.   Keith Weinhold  30:59   It's been said that the only place you get money is from other people, and we're talking about your renters in this case. So oftentimes these renters, they had their sense of privacy there, like, for example, do the duplexes even have fenced backyards for each individual side,   Jim Sheils  31:17   depending on where they are? We will. Other times it hasn't been a requirement. We've done lots of surveys to see is it worth the price point to put in full fencing in certain areas. It can be in a lot of areas. Keith, they're just so excited with the price point not having to move into an apartment building that it hasn't even been warranted or necessary.   Keith Weinhold  31:38   Yeah. So we're talking about livability characteristics here, because oftentimes new build rental property results in a higher tenant stay that longer duration, because they're the first person that have ever lived there, and it's also difficult for them to go out and improve their living situation unless they become a home buyer, and that's difficult to do today. Tell us more about the incentives and the property types and so on, because there really are some pretty exciting ones.    Jim Sheils  32:09   One of the best things about Central Florida, Keith, combined with new construction, is insurance costs. Now you and I have laughed about the blanketed statement where you said, oh my goodness, you cannot get insurance in Florida. You can't get property insurance in Florida, or it's doubled, tripled, gone up 7x that is a true statement on certain properties. If you're buying older properties from the 1950s that are within a half mile of the beach on low lying ground, but new construction properties far away from the beach, that is a totally different things. So again, being in Central Florida, where we are, a lot of people think, oh, to insure a single family home there, that's going to be several $100 a month, when actually, you know, and you've seen a lot of our performer quotes, our insurance companies are getting a single family home done for about $65 a month on average, full coverage. And that's the advantage of new construction. Insurance companies are all about risk. They analyze risk. When you're on a new construction property built on higher ground away from the beach, they like that, and they do that a duplex. You're looking at about $100 a month. So incentive wise, we've really searched to team up with great insurance companies that get the best rates full coverage. And again, we surprise people when they say, Oh man, I thought there would be a whole nother zero at that monthly cost. And these are actual quotes, as you know, with working with a lot of GRE people. So that's one great thing, another great thing, Keith, that happened when we joined forces with Sumitomo. And again, Sumitomo 320, years old, one of the biggest powerhouses out of Asia, Warren Buffett, is very heavily invested in another one of the conglomerates, not the housing one we do, but he's very involved in one of their other companies. And when they came aboard, you know, we have no bank debt for a builder, which is rare. And since we have such a healthy balance sheet, we're actually able to work deals with mortgage companies where we'll do what's called builder forward commitments, Keith, and that means we will pre buy mortgages for our clients, for the homes we're building, and we will pass that savings along. So right now, you know, if an investment property in a duplex might be an average of 7% for anyone who walks in off the street to a bank. Right now, our most popular rate program for our investors, for single family or duplexes, is 3.75 Gosh. So as you know, for your five ways, if we want to get cash flow, there's a big difference. Yeah, we're getting affordable housing. But if the rate is over 7% compared to 375 that could eat up the cash flow with us being able to have this power to buy large tranches of money and pass it along and lock our people in again, an average right now at 3.75 is our most popular program, and that's long term money, then we're able to get that cash flow right off the bat. And you and I know how important that is   Keith Weinhold  34:50    for this super attractive 3.75% long term mortgage rate on single family homes and duplexes. How? Much does the buyer have to come out of pocket at the closing table to buy that down themselves? And how much do you the builder participate in that buy down?   Jim Sheils  35:07   You know, it depends Keith at different times, because there is a little bit of a fluctuation. Sometimes it can be as low as zero points or just one origination point to bring it in. It does vary. And also, if people say, hey, I really don't want to bring in any points. Well, that's fine. You know, if you don't want to walk in zero to 2% points for that, you can also just raise your rate up to four and a quarter and probably walk in nothing. So there's different things that we can do, but the goal of it is to have us have the brunt of it. And what I can tell you is, if the average person walked into a bank, and a bank wouldn't do this anyway. It's only for, again, builders with a certain size, but if you went into a bank right now and said, I'd like to buy my rate down to 3.75 the average Keith that this would cost a person off the street going into a bank would be 12 to 15% banks wouldn't even do it for an individual. But that's about the estimates when you look at it. So again, volume has privileged. The fact we're able to buy it down. It does cost us a good amount of money, but we're all able to save since we're kind of working together to buy these larger tranches. And again, the need of any investment for buying down the rate from the clients is very minimal.   Keith Weinhold  36:18   Tell us more about the property types, new build single family homes, new build duplexes.   Jim Sheils  36:23   You know, single family and duplexes are our main focus in 2026 for Central Florida, we've done the research. They're very high in demand. They rent quickly, and they rent long term to produce cash flow. Our average single family home under 300,000 we're aiming to after expense, make about $300 cash flow. Our duplexes should be about twice that amount, about just under $600 a month, or just over in cash flow. And then again, the prices are ranging from about 395, to 420, for a duplex. Again, these are in workforce areas where we're doing great, scattered lots. Scattered lot means there's already existing homes around. We like to go to an area where there's good a fundamental balance of homeowners and renters. So there's retail buyers that have bought their first home, and we will place our rentals in between them, whether it's a single family or a duplex.   Keith Weinhold  37:13   We sure don't need to do a complete audio pro forma here, but those cash flow amounts something near $300 for a single family home, and about double that for a duplex. Is that using, you know, a bought down rate to about 4% and some of these other inputs you're talking about, like low insurance costs and a certain property tax rate, can you tell us about that?    Jim Sheils  37:35   Yeah, property tax rate is property tax rate. We can get pretty dang close on property taxes, you know, based on millage and get that down. But when we do our performers, we absolutely go off of, you know, our average rate to be the 375, to four and a quarter. And then when GRE clients look at our performer, and they look at the insurance cost, that's an actual quote from one of our insurance companies that has insured hundreds and hundreds of these properties. Not a guess, yeah, so they know what they're doing. So yeah, those would be the assumptions made in there, and that's what we're basically getting on a week in, week out basis.    Keith Weinhold  38:09   That is really attractive as we're talking about new build. I imagine there is some sort of builder warranty as well.    Jim Sheils  38:16   There's a state mandated 210 warranty. 210 warranty is something we could talk probably a whole episode on Keith. But for what's good for people to know, basically what that means, you get two years coverage on the small stuff and 10 years coverage on the big structural stuff. And so that's why I like new construction. You know what? I used to personally just buy my own fixer up Return key properties from other people. I could get a one year warranty, and that's the best that really can be done. Now with new construction, we've gone from, you know, with our fixer upper homes, able to do a one year warranty, which is good at something. But now with new construction, we can do a 210 warranty, big difference, and also really helps the safety score of issues if they came up.    Keith Weinhold  38:59   We were talking about new build property, and we tend to project relatively low maintenance and repair costs for an obvious reason, maybe your long term vacancy rate could very well be lower as well, due to my earlier point about a tenant wanting to stay there for a long time, because it's hard for them to improve their living situation unless they went out and bought their own place. And you have the low insurance rates, and you have the low mortgage rates, all contributing to positive cash flow on a new build property. And we think about that tenant and what gets the tenant excited? We start to think about some of those amenities. So tell us about what amenities are offered, including inside, in the kitchen and so on.   Jim Sheils  39:38   Jim, yeah, great question, Keith. We've really gotten a great recipe for success for that. You know, we've been doing this a little over a decade now, and so you're always tweaking your build model. What do people like? What do they not like? What's good for durability? Let's look at maintenance and repairs. Let's look at turn costs. So our goal is always the dual focus. That's what looks good. And what lasts really well, yeah, because you want durability. When you have tenants, you want it to look good, so you sell it down the road, 510, years to a first time homebuyer, it looks great. You can sell it. But durability wise, you don't want a lot of extra expenses or maintenance and repairs. So we go durability. So what we found a couple of things. I always joke about this. I do not like the word carpet, Keith, that is a terrible swear word in real estate investing, I can tell you right now, if I could go back and this is not, you know, owning hundreds of rentals, if I could not have done carpet and just reversed it to like vinyl plank flooring, like we do now, or even tile, which was more, I probably would have been able to buy three or four of our duplexes cash with the amount of money, and that is not an exaggeration. So we do not do carpet. First of all, it seems like trends are changing. It's not in favor right now. So we do vinyl plank flooring, which looks really nice, almost like wood floors, super durable, though, for a young family that's going to be tenant occupied in your property and running around on it. That's great. Kitchen wise, again, we don't sell retail really. We like to work with investors, but down the road, our investor might want to sell to a retail buyer. So we know, you know, from our old fix and flip days of the FHA buyers, the kitchen's got a pop. So we always do, you know, we don't do the white appliances, which you know would save you quite a bit of money, and save us quite a bit of money. We do stainless steel appliances. We do all new cabinetry, you know, kind of the latest, nicer cabinetry, a little bit of an upgrade. And then, you know, butcher block countertops, those are going to wear in about a year or two. Keith, it feels really good to spend that smaller amount, you know. But we, we like to do the more durable, nice looking countertops, you know, that are, you know, just so much more esthetically pleasing and actually durable as well. Same thing in the bathrooms. A lot of new builders will do shower kit, which not a problem if you're saving money on a rehab, you know, but we would rather do tile, bring in the extra subcontractors to give tile, and then in the master we do the dual sinks, which this might sound like little stuff, Keith, but these are the micro movements that help get a tenant in quicker, stay longer and more rent. So we're always trying to do these extra things in the granite countertops, both in the kitchens and in the bathrooms. Those cost more upfront, but we see for long term of tenant we see, for the amount of rent we get, and for resale ability, because a lot of people don't think about that. You know what? In seven years you want to sell one of these properties? Well, it's a seven year old roof, it's seven year old plumbing, you're still in a great spot for an FHA buyer. And that esthetically pleasing flooring, bathrooms, kitchens. That allows an easier sale for them, because we want to look all the way around, not just a rental. I like to hold long term, but if you want to sell in five to 10 years, that's a very valid strategy.    Keith Weinhold  42:48   I like carpet in my own home, but not rentals. But what you're sharing with us, Jim, this is absolute gold that's been brought to you through experience. This over improvement versus under improvement line in rentals, and it really has a lot of balance between durability and price. These are the sort of things that really matter, but you are selling predominantly to individual investors, a lot of mom and pop investors. Why don't you make more sales to the retail, owner occupied market, or to institutional investors, even though that might be cracked down upon now. But why don't you sell to those parties?   Jim Sheils  43:26   Yeah, you know Keith, I did a lot of fix and flip to FHA buyers, and I'm an investor. I really like working with investors. So when this all really went back to is 2009 I had a lot of investors. I was in Northeast Florida. The deal flow was incredible. And I just had a lot of investors, you know, through my different networks and Masterminds, like, where you and I have met, and said, Hey, you're getting great deals in Northeast Florida. Could you help put some together for me? And so I had done quite a few fix and flips to retail buyers, and it just kind of hot on me, you know, way back then, like, Wow. I like working with investors. I like building portfolios. I also like the fact that when I'm normally building a portfolio for an investor, well, they hang out with other investors, and they're not looking to buy one property over the next five years. They're looking to buy five to eight properties over the next five years. great point. And so we just saw it as you gotta like who you work with, right? And nothing against first time homebuyers. But when I was rehabbing houses and selling them, golly, that was a lot of work. And then could be persnickety. Yeah, very persnickety. And so when Chris and I teamed up about 10 years ago, we had both gone through the same kind of aha, like going, Yeah, it seems great, but you could sell for more to a retail buyer. But again, like I go back to even the type of property we build, we'd rather do a volume with investors. Be a builder, buy investors for investors, and work that way. And I think it suits me. I think I would have probably hung up my shoes a long time ago if I was. Working with the amount of properties we've done with retail buyers compared to investors, honestly, and so I think it was just kind of, it was a preference, really, that made sense   Keith Weinhold  45:09   to your point. Investors buy multiple properties, and that way there are fewer parties to deal with. And investors tend to be less emotional than those more persnickety, owner occupied buyers. Well, Jim, you make it easy for investors. Besides all these incentives, you also offer an in house management solution for these investors, often that tend to be out of state. Well, Jim, before I ask you, if you have any closing thoughts, would you the listener like to ask Jim any question directly? Well, you can, because I have a great event to tell you about next Thursday, the 19th, at 8pm eastern Jim here and GRE investment coach, Naresh will co host a live webinar for Central Florida new build income property. In fact, Jim, I think you know Naresh longer than I have, as it turns out, but this event is free, and you the listener are invited. We've had between 250 and 550 registrants for our past webinars. Not all of them attend live. So the benefit of you attending live is that you can have any of your questions answered by either Naresh or Jim in real time, and besides learning about the Central Florida market and more about home building, you are going to see available new build income property, real addresses with some of these rather grand incentives that we've talked about here, you might end up with a long term rate of about 4% again, it is Thursday, the 19th at 8pm Eastern. Sign up is open now at grewebinars.com that's grewebinars.com Any final thoughts here, Jim, for this great event coming up next week?   Jim Sheils  46:52   I think we're going to dig a little deeper. Obviously, this is a conversation that was great, but moves pretty quickly when we talk next week, we're going to be able to dig into more of the fundamentals, some of the stats, and just get underneath the hood of why Central Florida is making so much sense, and just some of the rising stars that we're seeing there that we're very excited to be a part of.   Keith Weinhold  47:13   You've helped our listeners for close to 10 years now. It's been an informative chat as always. Thanks so much for coming back onto the show.    Jim Sheils  47:21   Thanks for having me, Keith.   Keith Weinhold  47:27   Yeah, like our guest touched on Ocala, Florida now has national recognition as the fastest growing city in America, and that's for the second year in a row. According to a new U haul report, Florida is, of course, a rather landlord friendly state. In fact, Florida is the first state to enact a law that allows law enforcement to immediately remove squatters, distinguishing them from legal tenants. Now here's what's interesting and why I've identified this opportunity if Florida prices dipped because people were leaving now, that could be a red flag, because population loss is like gravity. Once it starts falling, it is hard to escape. But that's not what's happening. Instead, what we're seeing is a temporary overbuild hangover. Builders got ambitious. We're in a brief period where supply outran demand and prices softened. That's not decay. That's a sale rack. Any vacant homes are not stranded. They're being absorbed by Florida's still growing population, which has now increased every single decade since its first census count, back in the year 1830 back in 1830 there were about 35,000 residents in the whole state. Isn't that amazing today? North of 24 million, that is 700x population growth in almost 200 years, and it's still growing. That kind of trend doesn't reverse because a few builders over ordered inventory here at GRE this made us target and find in opportunity. This isn't an accident. Central Florida is this year's most compelling. Housing market in that region, Central Florida, is growing faster than the rest of the state at large, and it really sits in the sweet spot of this temporary imbalance. One long established builder overbuilt and now they're motivated. They know what investors want. So, for example, they don't build swimming pools with their homes. They also offer property tours, and over 90% of their tour attendees buy property. They're willing to offer terrific incentives at our upcoming GRE live webinar, like we touched on new build single family rentals, 270k and up duplexes, three. 95 to 420, long term mortgage rates as low as 3.75% you get low insurance rates since they're inland and new build positive cash flow and a builder warranty at the event. You're going to learn all about the growth drivers in Central Florida, why so many renters are moving there and see available properties. This benefits anyone looking for a clear, practical view of current real estate conditions. Joining live does matter, since you can have those questions answered in real time, not after the opportunity has moved on, you are invited for next Thursday, the 19th, at 8p m Eastern. This one is worth circling, not because it's flashy, because it's timed right. Sign up is open now @grewebinars.com that's gre webinars.com. Until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 5  51:00   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.   Keith Weinhold  51:29   The preceding program was brought to you by your home for wealth, building, get richeducation.com