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Tiff and Dana give guidance on how to successfully manage a practice through an office manager, including long-term business vision, powerful leadership, productive systems, and a ton more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:01) Hello Dental A Team listeners. Dana and I are back at it again today ⁓ with our podcasting spirits behind us and we are so excited to be here with you guys today. Gosh Dana, this is like the beginning of summer for us right now and no matter where you're at in the country, I think you've either been on summer for a few weeks or you're just barely getting there. feel like summer breaks are wild. Like Brody is in school two weeks past my niece. Like it's just been crazy but.   The most fun part about this for both of us is that, I don't know if you guys know this or not, we get asked this question a lot, where is your headquarters? Like, where are you guys based out of? And Dana and I, Britt and I, gosh, I think most of the consultants at this point are in Arizona. Our HQ is actually Reno, Nevada, but we work from home. So, fun part about podcasting during the summer is that each of us have some sort of little or family member or someone   At the door honestly like I had to text in our you know got a family chat go and that's like hey guys FYI and Dana's like let me put a sign on the door so Dana welcome I know I know being a mom is something that lights both of us up and I think one of the best I don't know most I don't know it was like fun parts of our relationship is being able to also laugh about what it's like to be a mom in   Arizona in the sports and in the summer and I love that about the two of us and Dana tell me what has what's the start of summer looking like for you guys over there you've got your I have it easy I will never never discredit the amount of moming that you do over there so tell me how is mom life today Dana   Dana (01:47) it's good. You know, I mean,   it's wild, right? Like, there's a beauty of being able to work from home in that, like, I can very quickly throw chicken nuggets out the door and everybody is fed, right? Yes. But they like all summer long, there are no go zones, depending on what I am doing during the day. So like, if I am on calls, the front room is off limits, because it's directly beside my office. And so I can hear everything that you do.   The Dental A Team (01:58) You just turn them down the whole way, get it. Yep.   I love   that.   Dana (02:17) So I'm constantly like chunking my windows of time as to like where they can be in the house and I've had to put signs up because my neighbor kids also want to come get my kids and I'm like well we just can't knock on the door right now.   The Dental A Team (02:31) Yeah,   yeah, please just give us a moment. I love that. And honestly, though, it's kind of ⁓ like time blocking for practices, right? Because like, when can you do certain procedures? Like you don't want, you know, sedation in the front room with everybody walking by, you've got to have a very specific place for the sedation and a very specific, like no-go zone of do not pass this line once we've started. So it kind of kind of makes me think   Dana (02:34) Yeah.   question.   The Dental A Team (02:59) of how synchronistic life is in general. I say this a lot, with clients that tell us work-life balance, right? We just talked to a client about this together recently, and I'm like, goodness gracious, like we just need a life-life balance, because if we take the systems that work in whatever aspect of life it's coming to you, and if you've got systems that are working at work,   you can probably duplicate them at home and vice versa. If you have systems that are working at home, you can probably take that same thought and that same theory and apply it at work. And it works truly like tremendously because your brain's already wired to think that way. So when you can just stop trying to recreate the wheel and use what you know works, applying it in all areas of your life, things just are easy. I feel like that's how you create easy discipline.   and how you create easy habits. So taking that like time blocking and room blocking and like, guys, from these hours, this is what you're gonna be doing. It's very similar. Billing, you know, all those things. Billing coordinators need to be like, don't bother me between these hours. It's just like, you've got your kids on the other side. I tell doctors constantly or office managers, leadership teams that people are people. We learn how we learn. And if we look at how we teach our children, we can duplicate that.   Dana (03:59) Yeah.   Thank you.   The Dental A Team (04:18) in training systems as well. So Dana, I just spiraled my whole brain right there. I love it. Thank you. Thanks for being such an incredible mom. You are truly impressive. And for those of you who don't know, she's got a slew of children and animals and happenings at her home constantly. And the way that you manage all of that truly is impressive. I think you're an incredible person, Dana.   Dana (04:41) Thank you, Tib. It is a whole lot of winging it. So I appreciate that.   The Dental A Team (04:44) But winging   it, I mean, I think we all wing it when it comes to parenting. I don't think anybody actually knows the step-by-step on what we're doing. So we're all winging it and we're all doing the best that we can, but you also make time for you. You make time for work. You make time for making sure that you're prioritizing what makes you happy and fulfilled because I think that is then teaching your children to do the same and it's super cool to watch. So having an almost grown kid.   I live vicariously through you watching you parent your children and it's super fun from over here. So thanks. Thanks for continuing to have more for us. I'm here for it. I'm here for it. And I hope all of you are here for it too. know you guys, I know you guys get a kick out of my questions I give to Dana because Dana just intrigues me her life and really her choices intrigue me. She's always got something that I'm like, give me all the goods. What can I do now? Brody brought home a soda the other day or I guess the water.   Dana (05:11) you   Keep enjoying the video, Jeff.   you   The Dental A Team (05:38) that you had mentioned a couple weeks ago and I was like, oh my gosh, I know what that is because Dana told me. So you guys, she's here for the tips. If you want them, write in, ask them. Ask Dana, go on Instagram on Mondays now I think it is. Mondays or Fridays, it pops up all week for me. I find them, but she's on there too you guys. She's constantly just divvying out the tips. Find Dana, she's our tip master. And today I'm going to pick your brain some Dana. I want to talk about really effectively   Dana (05:41) you   The Dental A Team (06:06) running a practice through an office manager. And doctors, I don't want you to hear that and think, OK, I don't have to listen to this. Let me go get my manager. Nope, this is for all of you guys. This is for everyone. This is for dentists, owners, office managers, leadership, anyone aspiring to become an office manager, anyone aspiring to just give good tips to the team. Office management can come in varying sizes. And the label office manager, we found even just in hiring consultants, right?   hiring when we were in practice that office manager really doesn't have a good definition for it in the industry. Anything can be an office manager. Most of the time, Dana, maybe you could speak to this as well, I have found that the office manager position, like quote unquote there, usually narrows into billing or dealing with upset patients and really doesn't broaden outside of that. Have you found that as well, Dana? Yeah.   Dana (07:04) Mm Yeah. Yep.   And I usually feel like anytime it is promoted within right, it's typically like, well, she's really good in those insurance. So yeah, yep, I agree with you. Sometimes, you know, yeah, there's some HR pieces added in there or like, you know, I, but I feel like it does encompass mostly keeping track of AR and the money, which is fine.   The Dental A Team (07:11) Yeah.   Yeah, yeah, I agree. I think that's one aspect of it, right? And being able to oversee everything. So there's different avatars for a billing representative, a billing person, and most other positions in the practice. That's gonna come with a different kind of avatar. So depending on the type of office manager that you want in your practice, that's gonna be making a decision there on what your avatar is going to look like. And for us, your office manager in your practice is really helping to run the practice. think Dental A Team considers an office manager   like a secondary owner almost, right? You're looking at it as this is my practice. This is something that I'm fully invested in growing and I love it the same as I would if it were my own business. So that kind of investment really comes from a certain personality type and a certain leadership type. So that style of office manager is really what we're speaking to today. And there's nothing wrong with any type of office manager, any style, any avatar, like you do whatever your business needs.   is what your avatar needs to look like. So today we're speaking towards that different kind of mindset of really growing the practice and being fully invested in it. The reason that we look at it that way is we really think that there's two different minds between a dentist and the office manager that needs to push the agenda of the practice. Our dentist is kind of our idea maker. They're the person who's just coming up with all of the plans. And I think we all   can name a few of these. have one on our team. Ms. Kierdent is fantastic at this. She has the brains and the ideas behind most of the things that we do. And they're just shouting things out, right? They're like, my gosh, we could do this. We could do that. We could do this. And the team is like, stop changing things. Well, when you leave the practice management up to the dentist who's there to create ideas, and there's no one there to filter ideas through,   and to project manage when things do make it past go and we're like, yes, we're gonna do this. When it's all on the doctor, you are gonna suffer those changes consistently because no one's there to say, hey, is this projecting us towards the goals we're working on or is this confusing us and keeping us from reaching those goals? So then we do have teams that are in constant chaos and constant change and they're like, Dana, I can't take another word from this doctor. It's like, well, that's.   We gotta get the doctor out of that position. So that's the type of office manager we're speaking to today is a type of office manager that can say, yes, that's a fantastic idea. Let's see where it will take us. Is this going to push us towards those goals? I have to just brag a little on a client that I've worked with for a while now. Near and dear to my heart, like just two of my favorite humans in the whole world. And honestly, their whole practice is full of some of my favorite humans, but.   not that they didn't start as my favorite humans, but they didn't start there, right? They didn't start where they are today, years later. They started in a very different position. And when they came to me, their goals were to grow production. were like, everybody's goal, right? I want to grow production, which actually means I want to grow collections, right? I want more income. We want more saved on the side. They wanted to reinvest in the building. They wanted to do a little bit of a build out, but they knew that they didn't have a lot of space, so they needed to work with what they had.   And the dentist who was there, he really, really wanted to be a dentist. He loves having a business, but entrepreneurship just is a path for his dentistry. So he truly wants to be a dentist, and he wanted to do more surgery. He wanted to do more involved dentistry. So I was like, fantastic. Office manager, let's talk. Now this specific office manager had never been in dentistry before, at all.   at all, very different career path. could tell you all about it on a whole, it would take a whole podcast because the career is just so cool. Very different career path, probably about as far from dentistry as you could possibly get. And he made the decision to support the doctor and said, I'm going to figure this out. And he was a great manager, right? He managed expectations, but really felt stressed out, second guessed his decision.   He's like, don't think this was right for me. I don't think I'm cut out for this. And I was like, well, let's test the waters. Let's see. And we went down a journey together that has changed, I think, the course of both of our lives, probably. It's just been so cool to take this journey with them. But taking an office manager, Dana's done this too. I think all of us at some point have taken an office manager who's never worked in dentistry before and helped to create an amazing office manager.   So all of you dentists who are like, well, they don't have experience. It's not always necessary if the other pieces are there and if the dentistry can be taught if there's space for it. So keep that in mind. I don't I'm not telling you go find someone with no experience. I'm not telling you you have to have experience. Like I'm telling you it's just got to fit for you. This specific manager and a couple others that I've worked with didn't have that experience. And what we worked on then was what it takes to be an office manager, which is actually leadership.   And Dana, I know you work on this a lot with a lot of practices, starting with the leadership and really becoming the person that a team can look up to, starting with the culture and creating what you want your practice to look like. Because without that, Dana's freaking systems queen. But Dana, how difficult is it to create systems for a practice that we can't imagine what we want it to look like?   as compared to being able to imagine what we want the business and the practice to look like and what the leadership should look like, then the system's followed. Which do you feel like in your experience, especially with an office manager who's never been trained in dentistry, which do you feel like is the path that you take the most frequently?   Dana (13:06) Thank   ⁓ hands down it's building the vision and figuring out what you want because anywhere in dentistry when it comes to the schedule when it comes to your leadership team when it comes to goals like you have to know what you're trying to achieve before you build the pieces to achieve it   The Dental A Team (13:41) Yeah, exactly. And I think a lot of people start with the systems, right, Dana? And that's where it gets really confusing. And it's like, the systems are so tailored to an individual. Systems are so tailored to a specific practice, and that practice is goals. So when you start out just blanket systems, it could be anything. You could create anything, and it will or won't work. It's it's hard to tell. It's like throwing spaghetti at a wall and hoping that it sticks, that it's done.   you just, don't know. But when you have a vision and you can create something that supports that vision, which you want that to ultimately look like, you're able to custom tailor it. And that's what we were able to do with this practice and working side by side with the office manager in leadership, teaching him how to speak to people, how to have conversations hard or easy, how to invest in other people and really showing him or giving him the opportunity to see what it feels like.   when you put yourself aside and you put someone else almost ahead of you without it being ahead of you. Like that's hard to say out loud. Like him investing in his team and his team's success in the practice gave him such a high, I couldn't even stop, like his trajectory. He was just running because he felt so good about having this higher purpose. And his higher purpose truly turned out to be   investing in ⁓ leading and guiding his team members for them to be their best selves. So within that, we learned, ⁓ what he learned is really like hiring and firing the systems behind a five star patient experience, the handoffs, like what creates this relationship that I'm having with my team members, with my team members and my patients. So it started to spin once we got some really good leadership footholds in there, some really good communication skills and practicing.   ⁓ weeding out the team members that didn't need to be there and replacing them with team members that should be there, narrowing down those avatars, narrowing all of this down. He was really able to see how the slightest movements that he made truly affected every piece of the practice. He would move one needle just slightly. I always think of implant torquing, right? Like two millimeters is a lot when it comes to an implant. And that two millimeter change in a system   or in a statement or a word that you use can create a massive difference. It's the success or the failure of an implant. And same goes for everything you do in life. said earlier, everything you do, you just duplicate it. So if you're making a two millimeter change on an implant, what's going to happen in that respect when it comes to words, to leadership, and to guidance? And he truly took all of that and invested in people. And he said, hey, I'm learning too. Help me learn. And he got his team on board. It's been.   Incredible to see their success and so between the leadership and then the systems which gosh guys we talk systems constantly Dana Dana we did NDTR I Mean you guys are basic our basic core systems of Dental A Team truly work and they are case in point leadership is an ideal leadership is kind of that like personal side of it, there's not a   Dana (16:43) you   The Dental A Team (16:59) black and white, follow these steps and now you're a great leader. It's a learning system. It's something that is in you, something you have to desire, something you have to want. But the core systems, the handoffs, the NDTR, the ICRP, the communicating between team members, ⁓ gosh, blocked scheduling. We implemented blocked scheduling. We implemented time management skills. We implemented avatars for every team member, avatars for our patients, marketing.   All of the core pieces of what Dental A Team has to offer, we've implemented with this practice and gained his leadership skills as well as an entire team full of leaders at this point. They have leaders of departments, but you guys, every single team member on their team is a leader because they are manning their ships and they're acting as if they're leaders for the good of the practice overall. And it's been incredible. So that first year we worked on core systems of NDTR.   blocked scheduling and just literally ICRP handoffs to your side. Leadership in conjunction with that. So getting rid of some team members that no longer fit the needs of the practice or just weren't on board with the trajectory, replaced some great new team members in there, got them trained up. And you guys within that first year, remember their goals were to increase production, start a build out, right? And get the doctor doing dentistry.   So we were able to remove the doctor from a lot of those pieces, a lot of the decisions that he didn't have to make, we took them away from him. He didn't have to make them anymore and he trusted doctors, he trusted the process, he trusted the office manager. So things that the office manager could decide that if, you know what, if the office manager decided incorrectly, could be fixed, right? Or it's like, it's not that big of a deal. We could have gone the other way, but it's not that big of a deal, okay? Strategically moving those decisions over to the office manager.   We started doing that so that the doctor was in the chair more. He increased his surgery so much, you guys. increased, they were able to with one doctor and two hygienists, they were able to increase their production by $800,000 that first year just by narrowing down the systems and the leadership, getting the right people in the right seats, getting the right systems in place, using them and really knowing where they were going. And that first year was incredible. Stack on top of that.   They've decreased the decisions from the doctor, increased the amount of productivity that he was able to do without, by the way, expanding his hours. He stayed within the same hours. And we also, the end of that first year, got them ready for that associate space because they wanted to see that expansion. So they started the conversations on what it looked like to expand the physical building, and then what is it going to look like to add another dentist. And we projected.   five years out and then worked backwards on one, three and five years of even down to like how many hygienists and how many assistants will we need to hire? What will your overhead cost be based on current employee numbers, et cetera, all of those pieces. And we were able to just spear this incredible trajectory of growth, not even just for their first year, but gosh, five years later now, Dana, you know, they've got this massive building. They have impacted the community.   so much. Like there are people that come up to them on the streets of their community and thank them for what they were able to do for a friend or a family member, not even for themselves. They have had literal strangers say, I know who you are and you changed my friend's life. Like that's crazy, Dana, crazy. And to think that it started from leadership skills, just from someone who is invested in that blows my mind, you know?   Dana (20:53) Yeah, yeah. And I think that it's when you have an office manager that can make a mindset shift of leading versus managing, right?   And I know it's called an office manager, right? So we can kind of get ourselves stuck in that place, but it's like managing is the tasks, right? That's the tasks, the leadership, right? That's the people and the culture. And when you have those pieces running smoothly, then the task part becomes so much easier. And so I do feel like that is when you have a manager who is focused on the people, the culture and leading.   leading to the tasks versus like being the one that feels like they have to complete all the tasks themselves.   The Dental A Team (21:35) Yeah, yeah,   that's a great point. I love that because that's massive, I think for everyone listening. you've got, gosh, like if there's KPIs on you, right? There's a measurable that you're responsible for. I think one of the biggest things that we do really well, is getting people to understand you don't have to do all of the pieces to create that result. You just have to make sure the result happens.   To your point, a lot of managers and lot of doctors who are managing hold it all to themselves in order to manage the results to get the right result. But then we end up not having space for whatever it is that we need to get done, right? And we get lost in that and it gets a little chaotic. I know I've done that. I did that as a manager in practice and my team suffered tremendously because I kept everything. So one, I was not empowering my team.   I was basically telling them that they couldn't do it, right? They didn't know how to do it. I could do it better. I was overworked, overburdened and burnt out. I was angry constantly. Like I woke up one day and I was like, this is not who I am. What have I done? What have I done and how can I change this? And it was that exact thing. It was the fact that when you become an office manager, sometimes it feels like you're supposed to do all of the things.   And we forget that we have an entire team of people who want to help us. And I think Dana doctors do that too. We've seen that as well. And coaching them out of that, think is sometimes part of our biggest jobs as consultants. The biggest contributor is coaching them out of holding all of the cards to themselves. Would you agree?   Dana (23:26) Yeah, yep, absolutely.   The Dental A Team (23:28) Yeah. Well, guys, I know that sometimes we can chat and you can say, gosh, I see myself in that. I hear that. I've done that. ⁓ Or I want to do that or something similar. So I hope that today you heard something that you can take for face value, something that you can utilize if it's systems that you need to go back to. You guys, there's a slew of podcasts all over the place. We have a million of them.   Just search NDTR if you don't know what that is. We're not explaining it today because we've done it a million times. So search it on our website, you guys, on our website, TheDentalATeam.com. can go to podcasts and then you can search within our podcast. So search some of those systems, you guys. Search Avatar. Search all of those pieces and figure out where are you at right now and how can you guide yourself towards those goals. Dana, thank you so much for doing this podcast with me. I love our time together as always and I know.   It's busy season for everybody right now, so thank you for carving out the time. I appreciate you. Listeners, thank you so much for being here. We find this so valuable. We love our time together. You give us this opportunity to be quote unquote face to face. Thank goodness for visual podcasts nowadays. And you give us this opportunity to give our speech to the world. So thank you. Please drop us a five star review below and let us know how valuable you felt this was. And as always, reach out   Hello@TheDentalATeam.com. We're here to help. Thanks guys.  

Career success takes a status boost, not a power grab.How do you chart the career course you've always imagined? According to Alison Fragale, it's about gaining influence through status, power, and ultimately, being “a likeable badass.”As a research psychologist, professor, speaker, and author, Fragale is on a mission to help women take control of their careers. In her book Likeable Badass: How Women Get the Success They Deserve, she argues that most people have it backwards when pursuing career advancement. "We have talked for a long time [about] getting more power," she explains. However, by focusing first on achieving status (how respected we are), power will often come as a natural byproduct. "If you pursue status before, or at least alongside power, everything is going to fall into place," she says. “Status makes power a lot easier to achieve, and it makes power a lot easier to use.”In this episode of Think Fast, Talk Smart, hosted by executive producer Jenny Luna, Fragale explores the communication strategies of a likeable badass, from building warmth and assertiveness to authentically connecting with colleagues. Whether you're building relationships in a new company or have been leading one for years, Fragale's insights will help you command respect while communicating with kindness.To listen to the extended Deep Thinks version of this episode, please visit FasterSmarter.io/premiumEpisode Reference Links:Alison FragaleAlison's Book: Likeable BadassJenny LunaEp.12 It's Not What You Say, It's How You Say It: How To Communicate PowerEp.15 The Art of Negotiation: How to Get More of What You Want  Connect:Premium Signup >>>> Think Fast Talk Smart PremiumEmail Questions & Feedback >>> hello@fastersmarter.ioEpisode Transcripts >>> Think Fast Talk Smart WebsiteNewsletter Signup + English Language Learning >>> FasterSmarter.ioThink Fast Talk Smart >>> LinkedIn, Instagram, YouTubeMatt Abrahams >>> LinkedInChapters:(00:00) - Introduction (02:21) - Defining Power and Status (05:26) - Why Status Comes Before Power (06:19) - Communication Techniques to Build Status (09:27) - Evaluating Your Habits: Nonverbal and Verbal Cues (11:21) - Mentorship in Developing Communication (13:13) - Adapting to a New Work Culture (18:41) - Representing Difference Without Distance (19:49) - Overcoming Bad First Impressions (21:47) - The Final Three Question (25:32) - Conclusion    *****This episode is brought to you by Babbel. Think Fast Talk Smart listeners can get started on your language learning journey today- visit Babbel.com/Thinkfast and get up to 55% off your Babbel subscription.Support Think Fast Talk Smart by joining TFTS Premium.       

John Little has developed and coached hundreds of talented people who have since advanced to Executive Directors, Vice Presidents, Senior Managing Directors, Managing Directors, Senior Business Leaders, and Individual Business Owners. What is Imposter Syndrome? How can I combat the feeling of Imposter Syndrome? Why do we have Imposter Syndrome? How can I strengthen my emotional intelligence? Help me identify what can make me a good leader. John Little The Winners Edge Coaching was established by John Little, who has over 25 years of experience as a business leader, entrepreneur, and consultant. John has developed and coached hundreds of talented people who have since advanced to Executive Directors, Vice Presidents, Senior Managing Directors, Managing Directors, Senior Business Leaders, and Individual Business Owners. Strategically, John helps leaders identify priorities, assess and address challenging situations, develop short and long-term goals and establish a plan of action to achieve successful outcomes. John holds certifications in DISC, Myers-Briggs Type Indicator (MBTI), and Fundamental Interpersonal Relationship Orientation (FIRO-B), as well as a certificate from Cornell University for Diversity and Inclusion for HR Professionals. With extensive experience in corporate Equity, Inclusion, Belonging, and Engagement strategies, John combines his vast leadership knowledge and coaching skills to help elevate seasoned and emerging leaders. John's lifelong passion for people is evident in his work as a developer of talented individuals, from those starting their careers, all the way into the C-Suite Excellent Executive Coaching Podcast If you have enjoyed this episode, subscribe to our podcast on iTunes. We would love for you to leave a review. The EEC podcasts are sponsored by MKB Excellent Executive Coaching that helps you get from where you are to where you want to be with customized leadership and coaching development programs. MKB Excellent Executive Coaching offers leadership development programs to generate action, learning, and change that is aligned with your authentic self and values. Transform your dreams into reality and invest in yourself by scheduling a discovery session with Dr. Katrina Burrus, MCC to reach your goals. Your host is Dr. Katrina Burrus, MCC, founder and general manager of Excellent Executive Coaching a company that specializes in leadership development.

Tim Rice

In this episode of The Tech Leader's Playbook, Adam Coffey, a seasoned private equity expert, shares his insights on the dynamics of private equity and its impact on entrepreneurs. He discusses the importance of understanding private equity, the role of company culture, and the significance of choosing the right business model. Adam also reflects on his experiences with successful and less successful exits, emphasizing the influence of macroeconomic conditions. He provides valuable advice for aspiring entrepreneurs, highlighting the opportunities presented by the current wealth transfer as baby boomers retire. The discussion culminates in a deeper understanding of private equity fund structures and how they affect business operations. In this conversation, Adam Coffey discusses the critical aspects of private equity, focusing on the importance of Internal Rate of Return (IRR), the differences between private equity and venture capital, and strategies for successful acquisitions. He emphasizes the significance of understanding unit economics and scaling businesses effectively. The discussion also touches on hiring practices and the importance of aligning talent with future company goals. Adam shares valuable insights and practical advice for entrepreneurs looking to navigate the complexities of business growth and investment.TakeawaysPrivate equity can be a force for good in company culture.Understanding private equity is crucial for entrepreneurs.The growth of private equity has significant implications for business owners.Successful exits often depend on macroeconomic conditions.Choosing the right business model is essential for resilience.Recurrent revenue models provide stability in tough times.Entrepreneurs should conduct due diligence on potential partners.The importance of understanding fund structures in private equity.There is a wealth transfer opportunity as baby boomers retire.Unsexy businesses can be highly profitable. IRR is a key metric in private equity.Private equity firms often sell early to showcase high IRR.Family offices prioritize multiple of money over IRR.Buyout funds focus on mature companies for consistent results.Venture capital involves higher risk with potential for high rewards.Thesis-based investing is crucial for successful acquisitions.Understanding unit economics is essential for profitability.Scaling a business requires a focus on gross profit margins.Hiring for future growth is more effective than hiring for current needs.Failing small and fast can lead to better long-term outcomes.Chapters00:00 Introduction to Private Equity and Adam Coffey02:59 Understanding Private Equity's Impact on Entrepreneurs05:52 The Role of Culture in Private Equity09:12 Success Stories and Lessons from Acquisitions12:10 Key Indicators of Successful Exits15:01 Navigating Economic Challenges in Business18:10 Choosing the Right Business Model20:57 Advice for Aspiring Entrepreneurs24:03 The Evolution of Business Models26:55 Understanding Private Equity Fund Structures28:43 Understanding IRR in Private Equity31:56 Comparing Private Equity and Venture Capital34:56 Strategic Acquisition: Finding the Right Industry40:00 The Importance of Unit Economics52:46 Scaling for Success: The 30-20-10 Rule54:09 Recommended Reads for EntrepreneursAdam Coffey's Social Media Links:https://www.linkedin.com/in/adamecoffey/https://www.instagram.com/adamecoffey_official/Adam Coffey's Website:https://adamecoffey.com/

THE DIGITAL PRODUCTS THAT SELL SUMMITGet Your Free Ticket! → teacherbiz.com/summitMauri King is a food blogger-turned-graphic designer, and now a go-to-gal for helping mamapreneurs create sales pages that actually convert. Mauri's favorite is to help her clients take their brilliant digital products and turn them into stunning, strategic sales pages, product PDFs, and brand visuals that connect AND convert. Mauri loves offering relief from bland graphics & the death stare of a blank cursor and STRATEGICALLY marketing digital products with gorgeous graphics & fun-to-read copy that makes an audience want to click that "buy" button!In this episode, Mauri breaks down how good design (and a little help from AI) can make a huge difference in your business. She shares why visuals matter way beyond just looking pretty and how they can actually help build trust, boost conversions, and make your offers stand out online. You'll hear her take on when it's totally fine to DIY your graphics and when it might be time to bring in an expert, plus some easy tips to make design feel a lot less intimidating. Mauri also explains how tools like ChatGPT can help you brainstorm, overcome common buyer objections, and make your sales pages even more effective. Whether you're just getting started or ready to polish things up, this episode is full of helpful insights and encouraging takeaways!Connect with with Mauri King:MauriJaneDesign.comtheamericanpatriette.lpages.co/picture-perfect-sales-pagesKey Takeaways:(02:20) From food blogger to graphic designer(03:35) Why graphics matter (06:00) DIY or hire? How to know when it's time to outsource your design(10:15) How good design builds trust and boosts conversions(13:15) Beginner-friendly design tips(16:40) How AI tools like ChatGPT can elevate your product creation(22:35) Quick design tips to make your offers stand out(29:55) Picture Perfect Sales PagesListen to Previous Episodes:#18: Learn the Power of Facebook Ads with Beth Anne Schwamberger#40: Taking Small Steps Towards Big Goals with Ruth Soukup#97: Finding Business Friends and Creating a Mastermind GroupDon't forget to grab the FREE Teacher Biz Starter Guide! teacherbiz.com/StartConnect With Heather:teacherbiz.com/aboutinstagram.com/teacherbiz

Zach Bitter is an ultramarathon runner and coach who held world records for the 100-mile and the 12-hour run. -Why did Zach transition from high carb to low carb -Transitioning into a Ketogenic state -Strategically targeting carbs around specific training sessions -Recovery on low carb vs. Ketogenic -Zach's favourite carb sources -Digestion issues while running -How many carbs do you need per hour? -Zach's favourite fat sources -How to improve your fat oxidation -Fasted vs. fed training - 1-ON-1 COACHING Apply For Coaching SOCIAL Instagram  YouTube TikTok Facebook CONNECT W/ ZACH Website Instagram X

The Jungle Room and The ascent to the SageBased on the work of BradentonLarry, in 6 parts.  Listen to the Podcast at Explicit Novels.Clubbing in Eros."Maybe I should have been expecting this," Don said."What?" Victor asked.Don frowned. Where to begin? he thought. First of all, there seemed to be an actual little jungle inside the Jungle Room. Though there was a park-like lawn stretching out in front of them, there were palm trees and thick, jungle vegetation all around. Don could hear the distinct sound of monkeys and other jungle critters playing, and doing whatever else they do, from the deepening shadows. Then there was the open sky overhead. Although it was quite shady on the floor of the "jungle" they could see the blue, cloudless sky as it began to darken toward night. Strategically placed torches and a few bonfires would keep the place from getting too dark. Finally, there was the quite undeniable fact that the place certainly seemed to be quite a bit bigger on the inside! Don considered going back outside to walk around the building, and then pacing the inside off just to make sure, but then decided he would just go with it. And, he decided, if none of this bothered Victor, who was he to trouble the big guy's mind?Walking a few paces in, to get out of the doorway, Don paused to look around and get his bearings. On the right, there was a sandy area, with a big bonfire in the middle. At some distance from the fire, there were quite a few lounge chairs arranged in a rough circle around the fire and open area. There were a few people lounging there at the moment. Continuing on counterclockwise, and moving deeper into the micro-jungle, Don saw a raised platform with cushions and pillows; it really looked like a huge couch, or a sectional unit taken to extremes. Beyond this, Don made out several tree houses, accessed by ladders, as well as various sorts of beds, couches and blankets scattered about the more or less open areas between the trees. In the distance, he thought he saw a cave of some sort. To the left of that and closer to the entrance, seemed to be a pool, designed to look like a natural pond, complete with a waterfall. On Don's immediate left, then, was a large wooden structure, raising several stories from the floor.Don, followed closely by Victor, turned to this complicated building within a building and climbed the few stairs that led up to the wide deck-platform that was the first floor. Right in front of them was an open area that was apparently used as a dance floor; there were several couples dancing slowly to the music that was playing, as well as a few solo dancers, all of whom were in varying states of undress. Off to one side was a row of stripper's dance poles, around which danced a couple of almost entirely naked young women, and, at the far end, a strapping young man wearing nothing but a loin cloth. Don could also see, along another side of the platform, a set of comfortable chairs, one of which was being used at the moment as a platform for some very enthusiastic sex. Across the dance floor, there was a refreshment bar much like those that had been in the Manor, and a set of stairs leading to the upper floors of the structure.Before they could go any further, a striking woman with long legs, large, firm tits and long red hair falling down over her shoulders and down her back in an unruly tumult came up to them; she was wearing a diaphanous green silk "skirt" that was really just a pair of broad strips hanging from a narrow belt around her waist that covered her sex and her butt crack before falling down between her legs. She also wore a heavy gold necklace that hung between her generous breasts. She smiled at them and said, "Hello, welcome to the Jungle Room, would either or both of you like to dance?""Hi," Don smiled, "I'm still looking around, but perhaps Victor here would."The woman looked Victor up and down with obvious approval while the big, muscular man returned the favor."Hello, Victor. I'm Vixen. What do you say, big fella, wanna dance?" she smiled."Sure," Victor grinned.Don smiled a little himself, watching the two of them moving toward the center of the dance floor and then begin dancing, while he was thinking, "Vixen"? What an odd name. He looked around again, deciding where to explore first. His eye was caught by the long, black hair of one of the women dancing on a pole, and he decided to move in that direction for a better look.Her hair was thick, straight, hung down to her butt, or would if she stopped moving long enough, and was a lustrous black that gleamed darkly in the rather subdued light of the Jungle Room. Her skin was a reddish brown. She had long, slender arms and legs, full breasts and a lovely rear. As he drew closer, Don thought she was most likely of Native American extraction, perhaps South American. She was wearing a dark red skirt with slits that ran all the way up to her hips on each side, gold bracelets and anklets, and a gold necklace that was more of a choker, hugging her slender neck closely. He noticed that she had a black ring on the middle finger of her left hand. Her breasts were bare, and her dark nipples seemed to beckon to Don. He saw that her face was lovely, and then she smiled at him with a friendly, playful light in her eyes, and Don decided he would tarry here for a while. He stopped behind the stool set in front of the dark beauty's pole and asked, "May I?"She smiled again, and said, "Please do, welcome to the jungle.""Thank you," Don smiled back as he sat down on the stool. He was already trying to place her accent.She spun herself around the silvery pole in a gravity defying display of strength and grace. Her hair was flung about in a wide, beautiful arc. Her skirt flared too, displaying her sexy legs to considerable effect. Don was struck by the way her body moved about the pole in a wonderful combination of the athletic and the erotic. He was already finding himself mesmerized by the dancer's beauty and sensuality. She came to a stop, with her arm wrapped around the pole, leaned against the pole, and said, "This is your first time to our jungle, isn't it?"Latin, but not Spanish or Mexican, Don thought in the back of his mind. He said, "Yes, how could you tell?""I would have remembered you," she smiled as she slid from the pole and glided toward him. She bent down and took his face in her hands, looking deeply into his eyes. As he was looking back into her dark brown gaze, he thought, Portuguese? Then she was kissing him lightly and all coherent thought flew away. Don's perceptions and mental processes were abruptly focused entirely on her lips touching his and the fragrance of her perfume. As she pulled away, only a moment later, a deep sigh slipped from his lips.She smiled and laughed a little and said, "This is how we welcome visitors."Brazilean! Don's brain exclaimed triumphantly, but his mouth was murmuring, "That's a very nice welcome.""I'm India," she said as she began to dance in front of him, her legs on either side of his knees. Her hands were moving over her naked flesh as she swayed in time to the music. Don was having a hard time knowing where to look; not that there was any proper place to look or not look, but that everywhere on this woman's body seemed to be the best place to focus his attention."I'm Don," he finally managed."It's good to meet you Don," she smiled, pronouncing his name more like "Dohn", which he found utterly charming. "What have you been doing before you came here?"Don chuckled, "That's a long story.""I like stories," she purred in his ear before kissing his neck.A shiver ran through the length of Don's body, and he breathed in her scent again. "Um," he attempted, "well, I guess, it begins in the Manor.""Ah, yes, I've heard of this place," she nodded."I woke up with my friend in a bedroom there," he managed as India casually untied the knot that held her skirt in place and dropped the garment to the floor, exposing her pretty, bare pussy.She straddled his lap and sat down, placing her warm hands on his shoulders and looking him in the eye. Don's hands moved up along her firm, smooth thighs. Remembering the rules of his non-Eros life, he half expected to be told "no touching", but of course such a restriction was foreign here."Your friend is the man dancing with Vixen?""No," Don laughed. "That's Victor, we didn't meet him until much later. My friend's not here right now. She's at Ladies Nite.""Ah," India nodded. She began to caress his neck and shoulders, and Don continued to stroke her legs idly."Well, um, my friend and I didn't know where we were or how we got there, or even how to get out of that room.""That must have been frightening," India said, as her hand moved over Don's bare chest."Well, it was certainly strange. I think my friend, Toshia, was more concerned than I was. We were all alone for a bit, and very confused, but then some other people showed up... Well, they fell into the room actually! They weren't much help – well, they were helpful in a sense – but they were too horny to really answer our questions."India smiled broadly and nodded, as her hand made its way down to Don's lap and began to caress his already hardening cock."Uh, well, we did find our way out of the room – well, Toshia did – and things got stranger after that...""What do you mean? How stranger?"So, Don began to tell this beautiful woman about his adventures in the Manor, all while she listened attentively and continued to pull and stroke his now very hard cock. Occasionally she asked a question, laughed, or otherwise expressed interest. As he talked, Don let his hands roam over her warm skin, caressing and exploring. Now and then she would lean in and kiss his neck or his shoulder, and he would sometimes lean forward to kiss her breasts. He was about to tell her about the maze in the garden, when India decided they had waited long enough. She rose up off Don's legs and shifted forward, pulling his straining cock forward. He felt her hot, wet pussy against his head, and then the exquisite sensation of entering her warm, moist sex. Don groaned as she slowly but steadily sank down on him, letting his cock fill her. With his hands holding her waist tightly, Don kept her down on him, and India began to rock on his lap, working his cock in and out of her, while grinding her clit against the base of his thick cock. Her hands came up and clasped his face, pulling his mouth to hers. Their kiss was long and passionate as she rode him there in the Jungle Room. Don reached around to squeeze her beautiful ass in his hands as he struggled to push himself even further up inside her. India shifted back and forth against him, grinding herself against his body, while his tongue slipped into her mouth, slipping over her smaller tongue, and while her breast moved against his chest, their nipples brushing against each other's.When their mouths parted at last India slipped her strong, thin arms around Don's neck and tossed her head back, letting her mane of jet black hair fall down over her back. Don paused a moment to revel in the sight of this gorgeous creature riding his cock here in the middle of this strange junglesque setting. He took in her long, beautiful neck, her full, heaving breasts, and her red-brown skin, now shimmering in the torchlight with a thin sheen of perspiration. Then, he lowered his head to kiss her chest, first between her tits and then made his way to each nipple in turn, pulling and sucking on them, pinching them between his teeth now and then. This last elicited a happy whimper from India and she rocked against him with even more insistence. Don, his cock straining up inside the exquisite grasp of her pussy, pulled her forward and down, making sure she was rubbing against him as much as possible. Then, he felt her hands moving around to hold the back of his head, keeping his mouth on her breast, where he was sucking hard on her left nipple. Don heard her moaning at the same time he felt her body beginning to shake against him. Her pussy pulled and squeezed at him as she climaxed. Don held onto India as she rode his cock trembling and groaning with what seemed to him like a very long, satisfying orgasm.She finally relaxed her grip on his head and he was able to pull back and smile up at her. She blushed a little and smiled back at him. "That was beautiful," she said in her wonderful accent, "but I'm not done with you."Before Don could even think of objecting, the lithe beauty slipped off his cock and lap, and knelt between his legs. India gave him a wink with her dark brown eyes, as she took his very hard, slippery cock in her hand. She pulled it forward a bit, and ran her pink tongue up along its length. Don shuddered as she reached its head and lingered there, fluttering over it, licking her own juices off it. Then, she was sucking his head into her mouth. Her pretty eyes looked up at him as she began to move her mouth up and down, taking more and more of him into her mouth and then her throat. Don shuddered and felt a low groan building up in his throat. He was barely aware of the fact that quite a few people were watching the two of them, but he couldn't take his eyes off the vision of the gorgeous woman sucking on his cock. She had a tight grip on the base of his shaft as her lips moved up and down on his shaft. He felt her tongue pressing against the underside of his cock and her throat squeezing around his sensitive head. Almost without noticing, Don moved his hands up to either side of her head and held on to her gently, keeping her there as she sucked on him insistently."Oh god!" he cried out as he finally closed his eyes and let his own orgasm erupt. At first all he could feel was the intense sensation at the base of his balls and shooting through his entire nervous system. Then, gradually he became aware of the fact that he was pumping jet after jet of hot cum into India's mouth and throat. He opened his eyes to see her holding tightly to him as she took all of his cum in. He felt her swallowing repeatedly. Don's body was shuddering and twitching as he very slowly came down. India didn't take her mouth off him until she was sure she had gotten every last drop of cum out of him."Wow!" Don breathed. "That was amazing!""Thank you," India smiled, giving his cock a little kiss. She laid her head against his thigh as he stroked her thick, black hair happily. Don found himself thinking he would have to thank the resort's gate for insisting they enjoy the resort before leaving."That looked like fun!" said a woman's voice from over Don's shoulder, and he felt a light hand touching his left arm.India smiled and said, "It was. This is Don, Jaden."Don looked back and up to smile back at the slender woman with reddish brown hair falling past her shoulders. She had great, slim legs and full tits that looked large on her petite frame. Her cheerful smile was infectious, though Don realized that might just be the great orgasm talking. Then he felt India's hands on his thighs as she drew herself back up in front of him. For a moment, Don found himself sitting there grinning between two beautiful naked women. I really do love it here, he thought to himself, meaning the Jungle Room, the resort and Eros at once. He noticed now that India stood with an undeniable air of confidence and even authority. There was something regal in her bearing."I think it's time for a game," India smiled at Don and Jaden. "What do you think?""That's a great idea!" Jaden nodded."I'm always up for a game," Don agreed as he stood up, a bit unsteadily."Come along if you want to join the game," India called out to everyone in range of her voice as she began to saunter over to the steps down to the floor of the "jungle". Don followed along after her swaying backside as if he were bewitched."She's amazing, isn't she?" Jaden asked with a wink.Don smiled back at the pretty little redhead and said, "I think that might not be strong enough. Are you a regular here?"She smiled back. "I'm here pretty often. I heard some of the story you were telling India. It sounds very hot. I'd love to visit that place. Is it far from here?""I'm afraid so," he nodded. "I'd offer to take you there, but our flying carpet is broken.""A flying carpet? I've never seen one of those," she frowned a bit. "Why does it sound so funny?"Don looked at her carefully, thinking again about how much people remembered from their lives outside Eros. Apparently Jaden didn't remember that magic wasn't supposed to work, but somehow managed to hold onto the notion that a flying carpet was somehow wrong.While all of this was going on, they had followed India down to the thick grass of the floor and to the open lawn-like area spread out in front of the club's entrance, where there were six large colorful blankets arranged in a circle around a thick, squat wooden post with a flat top. Don was quite positive those blankets and that post had not been there when he and Victor had come in, and it looked like that post was set quite firmly into the ground."Oh, the spinner game!" Jaden said happily.India smiled warmly at her redheaded friend and walked toward the post, which came up to just under her full breasts. She beckoned to Don, who was quite happy to come closer. He saw that there was a very basic spinner, like the kind you would use to play a game of Twister, on the top of the post. Beneath the spinning arrow, the top of the post was clearly divided by thick black lines into six sectors corresponding to the six blankets."The women go to a blanket, then the men spin and go play with that woman," India explained. She held up a good-sized hourglass, which she seemed to produce out of thin air, and said, "When time is up, they stop and come spin again."Don nodded and grinned, "Sounds like fun.""It is!" India smiled back. "Now, how many people do we have?"Both Don and India looked around and did a quick head count. There turned out to be six guys, including Don and Victor, and eight women, including India, Jaden and Vixen, who was now pretty much naked, just like everyone else."I'll keep the time," India decided, and then said, "Rain and Lena do you mind sharing?"The trim brunette with the long dancer's legs and the curvy blonde with very long straight hair looked at each other, giggled a bit and said no, quickly moving together to claim one of the blankets. The other women each took a place, as India explained the simple rules to the guys. "When I call 'time' you have to stop," she said seriously, but with a mischievous twinkle in her eye. "Don and Victor, it's your first time, so you go first."Don gestured for Victor to go ahead, and then watched as the big guy spun the little metal arrow, which finally stopped on the sector matching up with a gorgeous woman with an amazing body and long black hair with silver streaks running through it. While Don had to admit that there was no losing in this little game, he hoped he didn't have to wait too many turns to get paired up with that beauty.Don spun the arrow and found himself paired with an adorable woman with beautiful full breasts, thick red hair, sparkling eyes and an infectious smile. She flashed Don a big grin as he came toward her, and said, "Hello there," with an unmistakable Australian accent."Hi," he smiled, and then added, "I'm Don."She looked him over in a very friendly way and said, "Pleased to meet you, Don. I'm Bella."Don was vaguely aware that there was a bit of a hold up as one of the guys had to spin again."Sometimes we just play that you go wherever the spinner sends you, but India seems to want to make sure things are evened out – for now, anyway," Bella explained. Somehow Don was picking up on a bubbly enthusiasm in her voice.Don took the time to notice that counterclockwise, to his left, the next blanket had Vixen and the one after that had Jaden, each of whom were paired up with a male Jungle Room guest. To his right, or clockwise around the circle, were a blanket with a staggering beauty with long brown hair and then the blanket with Lena and Rain, each blanket also now graced by a guy. Victor and his partner were directly opposite Don and Bella on the circle."OK," India called, "time starts ... now!"Bella wasted no time, stepping up to Don and slipping her arms around him. He felt her soft breasts pressed against his belly as he leaned his head down to kiss her upturned lips. She responded eagerly, opening her mouth for his tongue and pulling him even closer to her. Don felt his cock rising between them, and then Bella's hand slipping around to take hold of it, pulling and caressing it.It was hard to tell whether Bella was drawing him down or he was lowering her to the blanket, but somehow they ended up lying together, still kissing passionately. His hand moved up between her smooth thighs and his fingers were stroking her outer lips, already moist with her nectar, while her hand continued to move up and down on his now very hard cock with a tight grip. Don's fingers slipped between her lips and began to push up into Bella's warm pussy. He was very happy that she was so wet already. He worked his fingers slowly up into her, pausing for a moment to find and tease her clit with the end of his thumb. She groaned into his mouth and squeezed his cock still tighter. Don pushed his fingers further up into her, pressing his palm against her clit. As he began to fuck his fingers in and out of her grasping pussy his palm ground against her clit. When they finally broke their kiss for a bit of air, Bella gasped, "Fuck!"

Ever dream of leaving a high-profile corporate job at a company like Apple or Rivian, but fear the financial step back? Tyler Nuss, former tech supply chain professional and now CEO of Polaris Energy Services, not only made the leap into the agricultural industry but did so without sacrificing his income.Join Sam Silverman on The Freedom Framework Show as Tyler shares his incredible journey. Discover how a seven-year commitment to his side hustle podcast, "The Modern Acre," became the linchpin for this major career pivot. Tyler breaks down the mindset shifts required to leave the "golden handcuffs," how he prioritized output over "face time," and the negotiation strategies that led to his CEO position with a compensation package that matched his previous earnings.This episode is a masterclass for anyone looking to:Understand the long-term power of niche content creation and personal branding.Strategically plan an exit from a corporate career into entrepreneurship or a leadership role in a new industry.Uncover hidden opportunities in sectors often overlooked as "boring."Negotiate effectively for what you're worth, even when changing fields.Learn how Tyler Nuss leveraged his unique skills and insights to build his own version of freedom, and get actionable advice for your own path.

Are you using Facebook the right way to grow your business? It’s a question every direct seller and entrepreneur should be asking. The reality is, social media is a powerful tool, but it's just that: a tool. It’s meant to enhance what you do, not replace you. One of the biggest mistakes I see people make is trying to outsource their brand entirely. But here’s the truth: no one can represent your passion, your voice, and your story better than you. Social media is about connection—real, human connection, and that can’t be faked or delegated. To grow your business effectively, you need to show up authentically and strategically. That means understanding the platforms you're using, and using them with purpose. Today, I want you to think about the three main ways to show up on Facebook: your profile, your page, and your group. Each serves a different purpose, and knowing how to use them correctly can be a game-changer. We’ll break down how to choose the right one for where you're at in your business journey, and how to use each to generate leads and build real connections. Let’s dive in! We’ll be talking about: ➡ [0:00] Introduction ➡ [02:53] A quick reminder ➡ [04:02] Remember where your audience is at ➡ [04:23] Personal profile - creates personality and connection ➡ [05:29] Expectations about our audience and how we interact on social media ➡ [06:26] C stands for Connection ➡ [08:09] The most powerful way to promote your product ➡ [12:25] Business page: C stands for Credibility ➡ [13:16] Be clear about your brand ➡ [14:21] A business page is publicly viewable ➡ [16:43] Strategically place yourself in the path of your dream customer ➡ [17:54] Groups: C stands for Community and Conversation ➡ [20:22] Which one makes sense to you right now? ➡ [21:14] Final thoughts Resources: Free Facebook community: https://www.facebook.com/groups/socialmediafordirectsellerswithgregandsam/ Are you ready to keep growing? Learn more about joining the Auxano Family - https://go.auxano.global/welcome Connect with Direct Selling Accelerator: ➡ Visit our website: https://www.auxano.global/ ➡ Subscribe to YouTube: https://www.youtube.com/c/DirectSellingAccelerator ➡ Follow us on Instagram: https://www.instagram.com/auxanomarketing/ ➡ Sam Hind’s Instagram: https://instagram.com/samhinddigitalcoach ➡ Follow us on Facebook: https://www.facebook.com/auxanomarketing/ ➡ Email us: community_manager@auxano.global If you have any podcast suggestions or things you’d like to learn about specifically, please send us an email at the address above. And if you liked this episode, please don’t forget to subscribe, tune in, and share this podcast. Are you ready to join the Auxano Family to get live weekly training, support and the latest proven posting strategies to get leads and sales right now - find out more here: https://go.auxano.globalSee omnystudio.com/listener for privacy information.

Tired of messy sticky note brainstorming sessions that go nowhere? This episode shares the strategic process of course mapping, going beyond surface-level ideas to design a learning experience that drives student results and boosts your profits. Learn how to create a clear path for your students' transformation!Learn how to:Understand the importance of strategic course design: Move beyond brainstorming to create a logical flow.Apply instructional design principles: Focus on learning outcomes and student engagement.Define clear learning objectives and structure: Guide students through a purposeful learning journey.Utilize effective course outlining techniques and tools: Choose simple methods that facilitate organization.Weekly Action Item:Review your existing course ideas or outline through the lens of instructional design principles.Clearly define the learning objectives for at least the first module of your course.Choose a simple tool (Google Doc, whiteboard, etc.) to begin or refine your course map.Time Stamps:00:00 Introduction: The Sticky Note Brainstorming Dilemma00:27 The Problem with Sticky Note Brainstorming01:03 Transitioning from Ideas to Strategy01:34 Welcome to the Digital Course Creator Podcast01:48 The Importance of Course Mapping03:22 Key Concepts for Effective Course Mapping03:35 Instructional Design Principles05:59 Creating Learning Objectives and Course Structure10:50 Choosing the Right Tools for Course Outlining14:24 The Role of AI in Course Creation16:30 Conclusion and Next StepsShow Resources: Check out all podcast episodes and full transcripts (www.digitalcoursecreatorguide.com/podcast)Follow me on Facebook (facebook.com/digitalcoursecreatorguide) and on Instagram (instagram.com/digitalcoursecreatorguide) for daily tips and ideasWork With Dr. Moira:Join Office Hours for support and mentoring to get your digital course done. (https://digitalcourse.pro/Office-Hours)Make sure that your content is accessible with The Accessibility Mini Course for Online Creators. (https://digitalcourse.pro/accessibility)

In this episode of the Nonprofit Leadership Podcast, Dr. Rob Harter is joined by Sophie Blondeau, Partner/ Chief Strategy Officer of the Sowen Group, ...

Who is your next hire, and why? In this episode of Remodelers On The Rise, Kyle Hunt tackles this critical question! Learn how to evaluate your current and future org charts, identify bottlenecks, and make hiring decisions based on strategy—not guesswork. Whether you're considering a designer, bookkeeper, or office assistant, Kyle shares real client stories and actionable advice to help you hire with confidence and clarity. Plus, discover why knowing your numbers is key to making it all work financially. ----- Today's episode is sponsored by Contractor Growth Network. Discover how to build a brand that stands out at contractorgrowthnetwork.com. ----- Explore the vast array of tools, training courses, a podcast, and a supportive community of over 2,000 remodelers. Visit Remodelersontherise.com today and take your remodeling business to new heights! ----- Takeaways Create your current org chart to visualize roles. Identify bottlenecks in your business processes. Consider hiring an office manager to handle low-value tasks. Evaluate the need for a designer to streamline projects. Understand the financial implications of new hires. Strategically plan for future hires based on business growth. Don't rely solely on referrals for business growth. Know your numbers to make informed hiring decisions. Consider part-time hires as a step towards growth. Your team is essential for the success of your business. ----- Chapters 04:13 Creating Your Current Org Chart 09:40 Identifying Your Next Hire 17:36 Strategizing for New Positions 21:33 Conclusion and Call to Action

Networking. Love it or hate it, networking is required if you're looking to land a new job in this unusual employment market, or if you want to grow and progress in your career. Many people feel somewhat uncomfortable networking, and if that sounds like you, it might be time to examine the approach you take to networking. Inga Carboni is a professor of management at the William & Mary School of Business. An author and award-winning instructor, she's an expert in strategic networking. She joins us today to define strategic networking, and how you can network effectively inside and outside your organization.  Learn how the Raymond A. Mason School of Business at William and Mary can help you and your organization develop your top talent through customized executive education and professional development programs. Visit us at www.wmleadership.com. Thank you for listening.

Episode 100! Our two wizards continue discussing ways to add 1E style to 5E rules. This time, they chat about ways to make the players play more strategically. Rise of the Mushroom King adventurePDF: https://worldofmyrr.com/product/rise-...Softcover: https://www.drivethrurpg.com/en/produ...Pre-order the Fall of Rivenhelm adventure: https://the-fall-of-rivenhelm-an-adve...Pre-order the Ghosts of Wrath adventure: https://ghosts-of-wrath-5e.backerkit....Find Cawood Publishing OnlineDiscord:   / discord  ➔ https://worldofmyrr.com/➔   / cawoodpublish  ➔   / cawoodpublishing  #dnd #dungeonsanddragons #ttrpg

Ever wonder what makes someone say yes to your offer on the spot? In this episode, I'm sharing my top strategies for using bonuses to create irresistible offers that drive sales—without discounts or overloading your audience. I'll share why most people get bonuses wrong, the key to creating high-converting bonuses, and how to time them for maximum impact. Whether you're live launching or running evergreen funnels, this episode is packed with tactical, no-fluff advice to make your offer a no-brainer.

Greg Denning shares his journey from a troubled childhood to creating an extraordinary marriage and family life while traveling to over 60 countries with his wife and seven children. His positive energy and unique ability to inspire others stems from his personal transformation after leaving home at 16 and experiencing homelessness before discovering the secrets to creating a happy life.• Making marriage the true priority by saying no to anything that competes with the relationship• Using micro deposits (daily acts of connection) and macro deposits (regular getaways and annual honeymoon trips) to invest in marriage• Applying the "Silent Film Test" – asking if observers would know your spouse is your priority based only on actions• Working on yourself first – resolving personal issues that create obstacles in your marriage• Understanding that men can increase their capacity to handle pressure through mindset shifts and physical health• Learning to truly listen to your spouse without trying to fix or respond• Strategically creating systems that enable you to manage complex family life without burnout• Remembering the marriage equation: as you improve yourself, the relationship improves even if only one partner is initially working on itWe live at the level of our habits, not our hopes. Don't settle for a mediocre marriage – keep pursuing your dream of a phenomenal relationship through consistent small adjustments that create big differences over time.You can completely turn around your Happiness level and overall Success in 7 to 11 weeksAs a Quantum Healer, Coach and Consciousness Educator, Sara empowers empath women...Listen on: Apple Podcasts SpotifyVisit our site for FREE relationship resources and regular giveaways: Strongermarriage.org Podcast.stongermarriage.org Facebook: https://www.facebook.com/strongermarriage/ Facebook Marriage Group: https://www.facebook.com/groups/770019130329579 Instagram: https://www.instagram.com/strongermarriagelife/ Dr. Dave Schramm: http://drdaveschramm.com http://drdavespeaks.com Dr. Liz Hale: http://www.drlizhale.com

Hey CEO- We all know the power of prayer in our personal life, but let me ask- how much do you pray over your business? I'm not talking about praying harder or longer, but praying strategically. As His daughter you have power and authority to speak over the fears, false beliefs and future of your business impact, so don't wait till you're desperate to depend on Him. Because when you pray, He takes you from stagnation to expansion… in no time!That's why I'm excited to introduce Jessica Baker.Jessica partners with The Holy Spirit to find the solution to the challenges you feel are keeping your business from increasing. Her mission is to provide direction, guidance, and teaching to help small business owners experience healing, breakthrough, and expansion. Through prophetic intercession and kingdom principles, she empowers entrepreneurs to overcome obstacles, align with their God-given purpose, and move from feeling stuck to thriving in business.Jess carries a deep joy and passion for encouraging others to seek out their identity in Christ so they can enjoy their life- on earth, as it is in heaven. She is the author of “Unbecoming Life: A Journey Beyond Trauma, Fear, and Guilt” and founder of “Tribe and True Ministry” for women. In her spare time, she can be found hanging out with her husband and children. On this episode we dive into: How we waste time partnering with lies of the enemyWhat it means to pray strategically and with authorityWhy you can (and should) ask others to pray over your business tooBecause your voice carries authority. We pray this blesses, challenges and moves you to action!YOU. HAVE. TIME. Lissa + JessicaConnect with Jessica at Tribe & True Ministry Www.tribeandtrueministry.comP.S. Continue the conversation inside the REDEEM Her Time Community redeemhertime.com/communityP.P.S. Wanna get back 5 hours THIS week? Binge the Productive + Profitable C.E.O. Private Podcast to discover the secret to productivity is not in your to-do list and how one simple shift can double your results. Walk away with more margin, less to-do's and exponential growth! (P.S. I'll share the secret to 10,000% productivity increase…no that's not a typo!)Grab access to the Productive + Profitable C.E.O. Private Podcast here https://redeemhertime.com/hours

As we gear up for summer it can seem daunting.  Three months of kids at home, balancing work and life, trying to keep them busy and off screens 24/7.  You might feel the need to breathe into a paper bag to calm down.  But I'm here to say you don't have to do it all, and your summer doesn't need to look Pinterest Perfect.  Today we are continuing our Summer Success Series, ten weeks of episodes to give you a life line by helping you manage and plan your summer, so that you can actually enjoy it! Today as we jump into the fourth episode in our series, we are going to talk about how to strategically fill your summer calendar, how to balance enriching activity, work, and rest.  Let's get started!   Reminder: A head's up we have some extra surprises in store for this month, so make sure you are getting all the insider emails.  If you are not getting the insider emails, go check out the contact page on the website: www.byrdmichelle.com,or shoot us an email at contact@byrdmichelle.com.   If you are listening to these episodes and getting overwhelmed at the idea of planning out your summer or how to manage balancing work and kids at home I would love to help you.  Right now until May 30th we are offering discounted 60 min power packed coaching calls to help you map out your summer and get on top of your schedule before it's too late.  Just go to the link: (https://byrdmichelle.thrivecart.com/unstuck-personal-coaching-60min/) and use the code SUMMER to schedule your discounted 60 min coaching call and we can get you all set!  I pray this blesses you! Michelle Email: contact@byrdmichelle.com website: www.byrdmichelle.com Free Productivity Planner - my gift to you! Just go to my website Come join our Facebook Group: The Busy Vibrant Mom

Tonight, on this explosive, educational, investigative episode of Light ‘Em Up we will explore in-depth the issues of:— The treatment of migrants & refugees— Criminal Immigration— How the radical right-wing politicized and took advantage of the death of Laken Riley when in reality they really didn't give a single, solitary care about her — taking advantage of and using her death as a political football.With this, our 95th episode, we are now heard in 122 countries around the globe.Again, we challenge you to listen and think critically to this episode. With the recent passing of Pope Francis, at the age of 88, on Monday April 21st -- the day after the Christian world celebrates Easter — we wanted to examine in-depth the “theory” of those people who claim to be “Christian” yet use race, color and country of origin as a sledge-hammer for fascism.Whether they claim to be:—  Christian Nationalists—  Christian Fascists—  Christian Conservatives—  EvangelicalsYou name it … people who claim to be “doing the work of Jesus Christ” while steadily:—  Denigrating—  Persecuting and prosecuting migrants … the foreign born—  LGBTQ individuals and—  People of color.“Othering” pretty much everyone who isn't them.April 30th marked 100 days of Donald Trump's second term — over the past three months, the president has issued more than 100 executive orders that aim to bypass Congress and change policy through unilateral action.  His administration has:— Imposed sweeping tariffs on virtually every country in the world— Withdrew the United States from the World Health Organization— Declared a national emergency at the southern border— It has purported to rewrite election rules and end birthright citizenship.— It is attacking major law firms and universities and much, much more.But we ask, has this flurry of orders affected fundamental change?To date, there have already been 46 challenges to executive orders pending in court, and the administration has had no outright victory in any of them.  Judges appointed by presidents of both parties have put the brakes on Trump's fascist plans for change.Will the courts continue to thwart his lawless agenda?This is a pivotal moment in the history of this country that will affect it for all time going forward — as the Trump administration strives to keep the politics of fear and panic alive.Without fear or favor we follow the facts and tackle the topics that touch your lives.Tune in for all of the explosive details. Follow our sponsors:  Newsly & Feedspot.Promised links found within the body of the podcast audio file:Criminal Alien Statistics | U.S. Customs and Border ProtectionLetter of The Holy Father Francis to the Bishops of the United States Of America - The International Catholic Migration Commission (ICMC)We want to hear from you!

My fellow pro-growth/progress/abundance Up Wingers,As we seemingly grow closer to achieving artificial general intelligence — machines that are smarter than humans at basically everything — we might be incurring some serious geopolitical risks.In the paper Superintelligence Strategy, his joint project with former Google CEO Eric Schmidt and Alexandr Wang, Dan Hendrycks introduces the idea of Mutual Assured AI Malfunction: a system of deterrence where any state's attempt at total AI dominance is sabotaged by its peers. From the abstract: Just as nations once developed nuclear strategies to secure their survival, we now need a coherent superintelligence strategy to navigate a new period of transformative change. We introduce the concept of Mutual Assured AI Malfunction (MAIM): a deterrence regime resembling nuclear mutual assured destruction (MAD) where any state's aggressive bid for unilateral AI dominance is met with preventive sabotage by rivals. Given the relative ease of sabotaging a destabilizing AI project—through interventions ranging from covert cyberattacks to potential kinetic strikes on datacenters—MAIM already describes the strategic picture AI superpowers find themselves in. Alongside this, states can increase their competitiveness by bolstering their economies and militaries through AI, and they can engage in nonproliferation to rogue actors to keep weaponizable AI capabilities out of their hands. Taken together, the three-part framework of deterrence, nonproliferation, and competitiveness outlines a robust strategy to superintelligence in the years ahead.Today on Faster, Please! — The Podcast, I talk with Hendrycks about the potential threats posed by superintelligent AI in the hands of state and rogue adversaries, and what a strong deterrence strategy might look like.Hendrycks is the executive director of the Center for AI Safety. He is an advisor to Elon Musk's xAI and Scale AI, and is a prolific researcher and writer.In This Episode* Development of AI capabilities (1:34)* Strategically relevant capabilities (6:00)* Learning from the Cold War (16:12)* Race for strategic advantage (18:56)* Doomsday scenario (28:18)* Maximal progress, minimal risk (33:25)Below is a lightly edited transcript of our conversation. Development of AI capabilities (1:34). . . mostly the systems aren't that impressive currently. People use them to some extent, but I'd more emphasize the trajectory that we're on rather than the current capabilities.Pethokoukis: How would you compare your view of AI . . . as a powerful technology with economic, national security, and broader societal implications . . . today versus November of 2022 when OpenAI rolled out ChatGPT?Hendrycks: I think that the main difference now is that we have the reasoning paradigm. Back in 2022, GPT couldn't think for an extended period of time before answering and try out multiple different ways of dissolving a problem. The main new capability is its ability to handle more complicated reasoning and science, technology, engineering, mathematics sorts of tasks. It's a lot better at coding, it's a lot better at graduate school mathematics, and physics, and virology.An implication of that for national security is that AIs have some virology capabilities that they didn't before, and virology is dual-use that can be used for civilian applications and weaponization applications. That's a new concerning capability that they have, but I think, overall, the AI systems are still fairly similar in their capabilities profile. They're better in lots of different ways, but not substantially.I think the next large shift is when they can be agents, when they can operate more autonomously, when they can book you flights reliably, make PowerPoints, play through long-form games for extended periods of time, and that seems like it's potentially on the horizon this year. It didn't seem like that two years ago. That's something that a lot of people are keeping an eye on and think could be arriving fairly soon. Overall, I think the capabilities profile is mostly the same except now it has some dual-use capabilities that they didn't have earlier, in particular virology capabilities.To what extent are your national security concerns based on the capabilities of the technology as it is today versus where you think it will be in five years? This is also a way of me asking about the extent that you view AGI as a useful framing device — so this is also a question about your timeline.I think that mostly the systems aren't that impressive currently. People use them to some extent, but I'd more emphasize the trajectory that we're on rather than the current capabilities. They still can't do very interesting cyber offense, for instance. The virology capabilities is very recent. We just, I think maybe a week ago, put out a study with SecureBio from MIT where we had Harvard, MIT virology postdocs doing wet lab skills, trying to work on viruses. So, “Here's a picture of my petri dish, I heated it to 37 degrees, what went wrong? Help me troubleshoot, help me guide me through this step by step.” We were seeing that it was getting around 95th percentile compared to those Harvard-MIT virology postdocs in their area of expertise. This is not a capability that the models had two years ago.That is a national security concern, but I think most of the national security concerns where it's strategically relevant, where it can be used for more targeted weapons, where it affects the basis of a nation's power, I think that's something that happens in the next, say, two to five years. I think that's what we mostly need to be thinking about. I'm not particularly trying to raise the alarm saying that the AI systems right now are extremely scary in all these different ways because they're not even agential. They can't book flights yet.Strategically relevant capabilities (6:00). . . when thinking about the future of AI . . . it's useful to think in terms of specific capabilities, strategically-relevant capabilities, as opposed to when is it truly intelligent . . .So that two-to-five-year timeline — and you can debate whether this is a good way of thinking about it — is that a trajectory or timeline to something that could be called “human-level AI” — you can define that any way you want — and what are the capabilities that make AI potentially dangerous and a strategic player when thinking about national security?I think having a monolithic term for AGI or for advanced AI systems is a little difficult, largely because there's been a consistently-moving goalpost. So right now people say, “AIs are dumb because they can't do this and that.” They can't play video games at the level of a teenager, they can't code for a day-long project, and things like that. Neither can my grandmother. That doesn't mean that she's not human-level intelligence, it's just a lot of people don't have some of these capabilities.I think when thinking about the future of AI, especially when thinking about national security, it's useful to think in terms of specific capabilities, strategically-relevant capabilities, as opposed to when is it truly intelligent or something like that. This is because the capabilities of AI systems are very jagged: they're good at some things and terrible at others. They can't fold clothes that reliably — most of the AI can't —and they're okay at driving in some cities but not others, but they can solve really difficult mathematics problems, they can write really long essays and provide pretty good legal analysis very rapidly, and they can also forecast geopolitical events better than most forecasters. It's a really weird capabilities profile.When I'm thinking about national security from a malicious-use standpoint, I'm thinking about weapon capabilities, I'm thinking about cyber-offensive capabilities, which they don't yet have, but that's an important one to track, and, outside of malicious use, I'm thinking about what's their ability to do AI research and how much of that can they automate? Because if they can automate AI research, then you could just run 100,000 of these artificial AGI researchers to build the next generations of AGI, and that could get very explosive extremely quickly. You're moving from human-speed research to machine-speed research. They're typing 100 times faster than people, they're running tons of experiments simultaneously. That could be quite explosive, and that's something that the founders of AI pointed at as a really relevant capability, like Alan Turing and others, where that's you could have a potential loss-of-control type of event is with this sort of runaway process of AI's building future generations of AIs quite rapidly.So that's another capability. What fraction of AI research can they automate? For weaponization, I think if it gets extremely smart, able to do research in lots of other sorts of fields, then that would raise concerns of its ability to be used to disrupt the balance of power. For instance, if it can do research well, perhaps it could come up with a breakthrough that makes oceans more transparent so we can find where nuclear submarines are or find the mobile launches extremely reliably, or a breakthrough in driving down the cost by some orders of magnitude of anti-ballistic missile systems, which would disrupt having a secure second-strike, and these would be very geopolitically salient. To do those things, though, that seems like a bundle of capabilities as opposed to a specific thing like cyber-offensive capabilities, but those are the things that I'm thinking about that can really disrupt the geopolitical landscape.If we put them in a bucket called, to use your phrase, “strategically-relevant capabilities,” are we on a trajectory of a data- and computing-power-driven trajectory to those capabilities? Or do there need to be one or two key innovations before those relevant capabilities are possible?It doesn't seem like it currently that we need some new big insights, in large part because the rate of improvement is pretty good. So if we look at their coding capabilities — there's a benchmark called SWE-bench verified (SWE is software engineering). Given a set of coding tasks — and this benchmark was weighed in some years ago — the models are poised to get something like 90 percent on this this summer. Right now they're in this 60 percent range. If we just extrapolate the trend line out some more months, then they'll be doing nine out of 10 of those software engineering tasks that were set some years ago. That doesn't mean that that's the entirety of software engineering. Still need coders. It's not 100 percent, obviously, but that suggests that the capability is still improving fairly rapidly in some of these domains. And likewise, with their ability to play that take games that take 20-plus hours, a few months ago they couldn't — Pokémon, for instance, is something that kids play and that takes 20 hours or so to beat. The models from a few months ago couldn't beat the game. Now, the current models can beat the game, but it takes them a few hundred hours. It would not surprise me if in a few months they'll get it down to around human-level on the order of tens of hours, and then from there they'll be able to play harder and harder sorts of games that take longer periods of time, and I think that this would be indicative of higher general capabilities.I think that there's a lot of steam in the current way that things are being done and I think that they've been trapped at the floor in their agent capabilities for a while, but I think we're starting to see the shift. I think that most people at the major AI companies would also think that agents are on the horizon and I don't think they were thinking that, myself included, a year ago. We were not seeing the signs that we're seeing now.So what we're talking about is AIs is having, to use your phrase, which I like, “strategically-relevant capabilities” on a timeline that is soon enough that we should be having the kinds of conversations and the kind of thinking that you put forward in Superintelligence [Strategy]. We should be thinking about that right now very seriously.Yeah, it's very difficult to wrap one's head around because, unlike other domains, AI is much more general and broad in its impacts. So if one's thinking about nuclear strategy, you obviously need to think about bombs going off, and survivability, and second strike. The failure modes are: one state strikes the other, and then there's also, in the civilian applications, fissile material leaking or there being a nuclear power plant meltdown. That's the scenario space, there's what states can do and then there's also some of these civilian application issues.Meanwhile, with AI, we've got much more than power plants melting down or bombs going off. We've got to think about how it transforms the economy, how it transforms people's private life, the sort of issues with them being sentient. We've got to think about it potentially disrupting mutual assured destruction. We've got to think about the AIs themselves being threats. We've got to think about regulations for autonomous AI agents and who's accountable. We've got to think about this open-weight, closed-weight issue. We've got, I think, a larger host of issues that touch on all the important spheres society. So it's not a very delimited problem and I think it's a very large pill to swallow, this possibility that it will be not just strategically relevant but strategically decisive this decade.Consequently, and thinking a little bit beforehand about it is, useful. Otherwise, if we just ignore it, I think we reality will slap us across the face and AI will hit us like a truck, and then we're going, “Wow, I wish we did something, had some more break-glass measures at a time right now, but the cupboard is bare in terms of strategic options because we didn't do some prudent things a while ago, or we didn't even bother thinking about what those are.”I keep thinking of the Situation Room in two years and they get news that China's doing some new big AI project, and it's fairly secretive, and then in the Situation Room they're thinking, “Okay, what do we know?” And the answer is nothing. We don't have really anybody on this. We're not collecting any information about this. We didn't have many concerted programs in the IC really tracking this, so we're flying blind. I really don't want to be in that situationLearning from the Cold War (16:12). . . mutual assured destruction is an ugly reality that took decision-makers a long time to internalize, but that's just what the game theory showed would make the most sense. As I'm sure you know, throughout the course of the Cold War, there was a considerable amount of time and money spent on thinking about these kinds of problems. I went to college just before the end of the Cold War and I took an undergraduate class on nuclear war theory. There was a lot of thinking. To what extent does that volume of research and analysis over the course of a half-century, to what extent is that helpful for what you're trying to accomplish here?I think it's very fortunate that, because of the Cold War, a lot of people started getting more of a sense of game theory and when it's rational to conflict versus negotiate, and offense can provide a good defense, some of these counterintuitive things. I think mutual assured destruction is an ugly reality that took decision-makers a long time to internalize, but that's just what the game theory showed would make the most sense. Hopefully we'll do a lot better with AI because strategic thinking can be a lot more precise and some of these things that are initially counterintuitive, if you reason through them, you go, actually no, this makes a lot of sense. We're trying to shape each other's intentions in this kind of complicated way. I think that makes us much better poised to address these geopolitical issues than last time.I think of the Soviets, for instance, when talking about anti-ballistic missile systems. At one point, I forget who said that offense is immoral, defense is moral. So pointing these nuclear weapons at each other, this is the immoral thing. We need missile-defense systems. That's the moral option. It's just like, no, this is just going to eat up all of our budget. We're going to keep building these defense systems and it's not going to make us safer, we're just going to be spending more and more.That was not intuitive. Offense does feel viscerally more mean, hostile, but that's what you want. That's what you want, to preserve for strategic stability. I think that a lot of the thinking is helpful with that, and I think the education for appreciating the strategic dynamics is more in the water, it's more diffused across the decision-makers now, and I think that that's great.Race for strategic advantage (18:56)There is also a risk that China builds [AGI] first, so I think what we want to do in the US is build up the capabilities to surgically prevent them . . .I was recently reviewing a scenario slash world-building exercise among technologists, economists, forecasting people, and they were looking at various scenarios assuming that we're able to, on a rather short timeline, develop what they termed AGI. And one of the scenarios was that the US gets there first . . . probably not by very long, but the US got there first. I don't know how far China was behind, but that gave us the capability to sort of dictate terms to China about what their foreign policy would be: You're going to leave Taiwan alone . . . So it gave us an amazing strategic advantage.I'm sure there are a lot of American policymakers who would read that scenario and say, “That's the dream,” that we are able to accelerate progress, that we are able to get there first, we can dictate foreign policy terms to China, game over, we win. If I've read Superintelligence correctly, that scenario would play out in a far more complicated way than what I've just described.I think so. I think any bid for being a, not just unipolar force, but having a near-strategic-monopoly on power and able to cause all other superpowers to capitulate in arbitrary ways, concerns the other superpower. There is also a risk that China builds it first, so I think what we want to do in the US is build up the capabilities to surgically prevent them, if they are near or eminently going to gain a decisive advantage that would become durable and sustained over us, we want the ability to prevent that.There's a variety of ways one can do things. There's the classic grayer ways like arson, and cutting wires in data centers, and things like that, or for power plants . . . There's cyber offense, and there's other sorts of kinetic sabotage, but we want it nice and surgical and having a good, credible threat so that we can deter that from happening and shaping their intentions.I think it will be difficult to limit their capabilities, their ability to build these powerful systems, but I think being able to shape their intentions is something that is more tractable. They will be building powerful AI systems, but if they are making an attempt at leapfrogging us in a way that we never catch up and lose our standing and they get AIs that could also potentially disrupt MAD, for instance, we want to be able to prevent that. That is an important strategic priority, is developing a credible deterrent and saying there are some AI scenarios that are totally unacceptable to us and we want to block them off through credible threats.They'll do the same to us, as well, and they can do it more easily to us. They know what's going on at all of our AI companies, and this will not change because we have a double digit percentage of the employees who are Chinese nationals, easily extortable, they have family back home, and the companies do not have good information security — that will probably not change because that will slow them down if they really try and lock them up and move everybody to North Dakota or wherever to work in the middle of nowhere and have everything air-gapped. We are an open book to them and I think they can make very credible threats for sabotage and preventing that type of outcome.If we are making a bid for dictating their foreign policy and all of this, if we're making a bid for a strategic monopoly on power, they will not sit idly by, they will not take kindly to that when they recognize the stakes. If the US were to do a $500 billion program to achieve this faster than them, that would not go unnoticed. There's not a way of hiding that.But we are trying to achieve it faster than them.I would distinguish between trying to develop just generally more capable AI technologies than some of these strategically relevant capabilities or some of these strategically relevant programs. Like if we get AI systems that are generally useful for healthcare and for . . . whatever your pet cause area, we can have that. That is different from applying the AI systems to rapidly build the next generation of AIs, and the next generation of that. Just imagine if you have, right now, OpenAI's got a few hundred AI researchers, imagine if you've got ones that are at that level that are artificial, AGI-type of researchers or are artificial researchers. You run 10,000, 100,000 thousand of them, they're operating around the clock at a hundred X speed, I think expecting a decade's worth of development compressed or telescoped into a year, that seems very plausible — not certain, but certainly double-digit percent chance.China or Russia for instance, would perceive that as, “This is really risky. They could get a huge leap from this because these rate of development will be so high that we could never catch up,” and they could use their new gains to clobber us. Or, if they don't control it, then we're also dead, or lose our power. So if the US controls it, China would reason that, “Our survival is threatened and how we do things is threatened,” and if they lose control of it, “Our survival is also threatened.” Either way, provided that this automated AI research and development loop produces some extremely powerful AI systems, China would be fearing for their survival.It's not just China: India, the global south, all the other countries, if they're more attuned to this situation, would be very concerned. Russia as well. Russia doesn't have the hope about competing, they don't have a $100 billion data centers, they're busy with Ukraine, and when they're finished with that, they may reassess it, but they're too many years behind. I think the best they can do is actually try and shape other states' intents rather than try to make a bid for outcompeting them.If we're thinking about deterrence and what you call Mutually Assured AI Malfunction [MAIM], there's a capability aspect that we want to make sure that we would have the capability to check that kind of dash for dominance. But there's also a communication aspect where both sides have to understand and trust what the other side is trying to do, which was a key part of classic Cold War deterrence. Is that happening?Information problems, yeah, if there's worse information then that can lead to conflict. I think China doesn't really need to worry about their access to information of what's going on. I think the US will need to develop more of its capabilities to have more reliable signals abroad. But I think there's different ways of getting information and producing misunderstandings, like the confidence-building measures, all these sorts of things. I think that the unilateral one is just espionage, and then the multilateral one is verification mechanisms and building some of that institutional or international infrastructure.I think the first step in all of this is the states need to at least take matters into their own hands by building up these unilateral options, the unilateral option to prevent adversaries from doing a dash for domination and also know what's going on with each other's projects. I think that's what the US should focus on right now. Later on, as the salience of AI increases, I think then just international discussions to increase more strategic stability around this would be more plausible to emerge. But if they're not trying to take basic things to defend themselves and protect their own security, then I don't think international stuff that makes that much sense. That's kind of out of order.Doomsday scenario (28:18)If our institutions wake up to this more and do some of the basic stuff . . . to prevent another state dominating the other, I think that will make this go quite a bit better. . .I have in my notes here that you think there's an 80 percent chance that an AI arms race would result in a catastrophe that would kill most of humanity. Do I have that right?I think it's not necessarily just the race. Let's think of people's probabilities for this. There's a wide spectrum of probability. Elon, who I work with at xAI, a company I advise, xAI is his company, Elon thinks it's generally on the order of 20 to 30 percent. Dario Amodei, the CEO of philanthropic, I think thinks it's around 20 percent, as well. Sam Altman around 10 percent. I think it's more likely than not that this doesn't go that well for people, but there's a lot of tractability and a lot of volatility here.If our institutions wake up to this more and do some of the basic stuff of knowing what's going on and sharpen your ability to have credible threats, credible, targeted threats to prevent another state dominating the other, I think that will make this go quite a bit better. . . I think if we went back in time in the 1940s and were saying, “Do we think that this whole nuclear thing is going to turn out well in 50 years?” I think we actually got a little lucky. I mean the Cuban Missile Crisis itself was . . .There were a lot of bad moments in the '60s. There were quite a few . . .I think it's more likely than not, but there's substantial tractability and it's important not to be fatalistic about it or just deny it's an issue, itself. I think it's like, do we think AI will go well? I don't know, it depends on what our policy is. Right now, we're in the very early days and I'm still not noticing many of our institutions that are rising to the occasion that I think is warranted, but this could easily change in a few months with some larger event.Not to be science fictional or anything, but you talk about a catastrophe, are you talking about: AI creates some sort of biological weapon? Back and forth cyber attacks destroy all the electrical infrastructure for China and the United States, so all of a sudden we're back into the 1800s? Are you talking about some sort of more “Terminator”-like scenario, rogue AI? When you think about the kind of catastrophe that could be that dangerous humanity, what do you think about?We have three risk sources: one are states, the other are rogue actors like terrorists and pariah states, and then there's the AI themselves. The AI themselves are not relevant right now, but I think could be quite capable of causing damage on their own in even a year or two. That's the space of threat actors; so yes, AI could in the future . . . I don't see anything that makes them logically not controllable. They're mostly controllable right now. Maybe it's one out of 100, one out of 1000 of the times you run these AI systems and deploy them in some sort of environments [that] they do try breaking free. That's a bit of a problem later on when they actually gain the capability to break free and when they are able to operate autonomously.There's been lots of studies on this and you can see this in OpenAI's reports whenever they release new models. It's like, “Oh, it's only a 0.1 percent chance of it trying to break free,” but if you run a million of these AI agents, that's a lot of them that are going to be trying to break free. They're just not very capable currently. So I think that the AIs themselves are risky, and if you're having humanity going up against AIs that aren't controlled by anybody, or AIs that broke free, that could get quite dangerous if you also have, as we're seeing now, China and others building more of these humanoid robots in the next few years. This could make them be concerning in that they could just by themselves create some sort of bioweapon. You don't need even human hands to do it, you can just instruct a robot to do it and disperse it. I think that's a pretty easy way to take out biological opposition, so to speak, in kind of an eccentric way.That's a concern. Rogue actors themselves doing this, them reasoning that, “Oh, this bioweapon gives us a secure second strike,” things like that would be a concern from rogue actors. Then, of course, states using this to make an attempt to crush the other state or develop a technology that disables an adversary's secure second strike. I think these are real problems.Maximal progress, minimal risk (33:25)I think what we want to shoot for is [a world] where people have enough resources and the ability to just live their lives in ways as they self-determine . . .Let me finish with this: I want continuing AI progress such that we can cure all the major chronic diseases, that we can get commercial nuclear fusion, that we can get faster rockets, all the kinds of optimistic stuff, accelerate economic growth to a pace that we've never seen. I want all of that.Can I get all of that and also avoid the kinds of scenarios you're worried about without turning the optimistic AI project into something that arrives at the end of the century, rather than arrives midcentury? I'm just worried about slowing down all that progress.I think we can. In the Superintelligence Strategy, we have three parts to that: We have the deterrence part, which I'm speaking about here, and we have making sure that the capabilities aren't falling into the hands of rogue actors — and I think this isn't that difficult, good export controls and add some just basic safeguards of we need to know who you are if we're going to be helping you manipulate viruses, things like that. That's easy to handle.Then on the competition aspect, there are many ways the US can make itself more competitive, like having more guaranteed supply chains for AI chips, so more manufacturing here or in allied states instead of all of it being in Taiwan. Currently, all the cutting-edge AI chips are made in Taiwan, so if there's a Taiwan invasion, the US loses in this AI race. They lose. This is double-digit probability. This is very foreseeable. So trying to robustify our manufacturing capabilities, quite essential; likewise for making robotics and drones.I think there's still many axes to compete in. I don't think it makes sense to try and compete in building a sort of superintelligence versus one of these potentially mutual assured destruction-disrupting AIs. I don't think you want to be building those, but I think you can have your AIs for healthcare, you can have your AIs doing all the complicated math you want, and whatever, all this coding, and driving your vehicles, and folding your laundry. You can have all of that. I think it's definitely feasible.What we did in the Cold War with the prospect of nuclear weapons, we obviously got through it, and we had deterrence through mutual assured destruction. We had non-proliferation of fissile materials to lesser states and rogue actors, and we had containment of the Soviet Union. I think the Superintelligence Strategy is somewhat similar: If you deter some of the most stabilizing AI projects, you make sure that some of these capabilities are not proliferating to random rogue actors, and you increase your competitiveness relative to China through things like incorporating AI into your military by, for instance, improving your ability to manufacture drones and improving your ability to reliably get your hands on AI chips even if there's a Taiwan conflict.I think that's the strategy and this doesn't make us uncompetitive. We are still focusing on competitiveness, but this does put barriers around some of the threats that different states could pose to us and that rogue actors using AI could pose to us while still shoring up economic security and positioning ourselves if AI becomes really relevant.I lied, I had one more short question: If we avoid the dire scenarios, what does the world look like in 2045?I would guess that it would be utterly transformed. I wouldn't expect people would be working then as much, hopefully. If you've controlled it well, there could be many ways of living, as there is now, and people would have resources to do so. It's not like there's one way of living — that seems bad because there's many different values to pursue. So letting people pursue their own values, so long as it doesn't destroy the system, and things like that, as we have today. It seems like an abstract version of the picture.People keep thinking, “Are we in zoos? Are AIs keeping us in zoos?” or something like that. It's like, no. Or like, “Are we just all in the Zuckerberg sort of virtual reality, AI friend thing?” It's like no, you can choose to do otherwise, as well. I think we want to preserve that ability.Good news: we won't have to fold laundry. Bad news: in zoos. There's many scenarios.I think what we want to shoot for is one where people have enough resources and the ability to just live their lives in ways as they self-determine, subject to not harming others in severe ways. But people tend to think there's same sort of forced dichotomy of it's going to be aWALL-EWALL-E world where everybody has to live the same way, or everybody's in zoos, or everybody's just pleasured-out and drugged-up or something. It's forced choices. Some people do that, some people choose to have drugs, and we don't hear much from them, and others choose to flourish, and pursue projects, and raise children and so on.On sale everywhere The Conservative Futurist: How To Create the Sci-Fi World We Were PromisedMicro Reads▶ Economics* Is College Still Worth It? - Liberty Street Economics* Scalable versus Productive Technologies - Fed in Print▶ Business* AI's Threat to Google Just Got Real - WSJ* AI Has Upended the Search Game. Marketers Are Scrambling to Catch Up. - WSJ▶ Policy/Politics* U.S. pushes nations facing tariffs to approve Musk's Starlink, cables show - Wapo* US scraps Biden-era rule that aimed to limit exports of AI chips - FT* Singapore's Vision for AI Safety Bridges the US-China Divide - Wired* A ‘Trump Card Visa' Is Already Showing Up in Immigration Forms - Wired▶ AI/Digital* AI agents: from co-pilot to autopilot - FT* China's AI Strategy: Adoption Over AGI - AEI* How to build a better AI benchmark - MIT* Introducing OpenAI for Countries - OpenAI* Why humans are still much better than AI at forecasting the future - Vox* Outperformed by AI: Time to Replace Your Analyst? Find Out Which GenAI Model Does It Best - SSRN▶ Biotech/Health* Scientists Hail This Medical Breakthrough. A Political Storm Could Cripple It. - NYT* DARPA-Funded Research Develops Novel Technology to Combat Treatment-Resistant PTSD - The Debrief▶ Clean Energy/Climate* What's the carbon footprint of using ChatGPT? - Sustainability by Numbers* OpenAI and the FDA Are Holding Talks About Using AI In Drug Evaluation - Wired▶ Robotics/AVs* Jesse Levinson of Amazon Zoox: ‘The public has less patience for robotaxi mistakes' - FT▶ Space/Transportation* NASA scrambles to cut ISS activity due to budget issues - Ars* Statistically Speaking, We Should Have Heard from Aliens by Now - Universe Today▶ Substacks/Newsletters* Globalization did not hollow out the American middle class - Noahpinion* The Banality of Blind Men - Risk & Progress* Toys, Pencils, and Poverty at the Margins - The Dispatch* Don't Bet the Future on Winning an AI Arms Race - AI Prospects* Why Is the US Economy Surging Ahead of the UK? - Conversable EconomistFaster, Please! is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit fasterplease.substack.com/subscribe

Saf Dhillon, President & CEO of iMetal Resources (TSXV: IMR | OTCQB: IMRFF | FRANKFURT: A7V), shares insights into the company's 100%-owned flagship project, Gowganda West, located in the Abitibi Greenstone Belt. The project has already shown promising results, including a successful discovery hole with roughly 50 meters of about a gram of gold—originally drilled when gold prices were under $1,500/oz. With prices now hovering between $3,400 and $3,500/oz, the discovery has drawn new investor interest.Strategically located near major producers and supported by strong infrastructure, Gowganda West could represent significant upside potential for iMetal Resources.Learn more about iMetal Resources: https://imetalresources.ca/iMetal Resources will be at the Commodities Global Expo 2025, taking place on May 11–13 at the Four Seasons in Fort Lauderdale, Florida. Secure your spot at the Commodities Global Expo 2025 and connect with iMetal Resources: https://topshelf-partners.com/Watch the full YouTube interview here: https://youtu.be/RVNklLoWFmwAnd follow us to stay updated: https://www.youtube.com/@GlobalOneMedia?sub_confirmation=1

Sivan Ohavim (CEO, Elevate Media), who shared insights on how B2B companies can strategically leverage LinkedIn to grow their audience and generate qualified leads. Sivan discussed why personalized outreach outperforms generic campaigns and talked about how to build targeted, high-quality lead lists that focus on specific buyer pain points.

In early 2020, a critical shipment missing revealed supply chain challenges that influenced management practices at Copper Compression. Key takeaways for other founders include: 1. **Communicate effectively**: Maintain proactive communication with suppliers and customers to prevent issues and foster loyalty.2. **Diversify suppliers**: Incorporate redundancy in the supply chain to adjust production quickly when delays occur, viewing diversification as essential.3. **Strategically stock inventory**: Stock more inventory of popular products to prevent stockouts and maintain customer satisfaction, despite previous just-in-time strategies.4. **Leverage data and instinct**: Use daily data analysis to evaluate demand and trends while valuing team instincts for better agility in unpredictable situations.Nurturing relationships, embracing flexibility, and prioritizing customer needs shape responses to challenges in global trade. Embracing disruption may lead to improved business practices.Learn more on this news visit us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Free Copy of My Book: Building Wealth In the TSP: Your Road Map To Financial Freedom as A Federal Employee: https://app.hawsfederaladvisors.com/free-tsp-e-book FREE WEBINAR: "The 7 Biggest FERS Retirement Mistakes": https://app.hawsfederaladvisors.com/7biggestmistakeswebinar Want to schedule a consultation? Click here: https://hawsfederaladvisors.com/work-with-us/ Submit a question here: https://app.hawsfederaladvisors.com/question-submission I am a practicing financial planner, but I'm not your financial planner. Please consult with your own tax, legal and financial advisors for personalized advice.

In this episode, Tommy and Staci talk about how Staci's experience as a missionary in her twenties shaped her life.

How the Vatican Ruthlessly & Strategically Hides a History of Crime w/ Former Minister Kevin Annett - SarahWestall.com

Today on The Hard Count with J.D. PicKell ... J.D. explains why Arch Manning may not declare for the NFL Draft after just one year as Texas' starter, also looking at the other side of the Red River and making the case for Oklahoma QB John Mateer as a breakout star. J.D. also breaks down Notre Dame's national perception,  discusses how Michigan's offense may shift with Bryce Underwood, and reacts to Florida's DJ Lagway throwing again before ending the show with an exclusive interview with Auburn General Manager Will Redmond.The Hard Count is presented by Culvers! Born in Wisconsin, Culver's is the home of the legendary ButterBurger, Fresh Frozen Custard and Wisconsin Cheese Curds—there's no better representation of America's Dairyland than that. https://go.culvers.com/culvers/sAkHCTake the guesswork out of buying tickets with Gametime! Last minute tickets. Lowest Price. Guaranteed. Download Gametime today and use code HARDCOUNT for $20 off your first purchase. Win the Revenue Sharing Era with Teamworks General Manager, purpose-built for collegiate athletics. Trusted by 99% of D1 NCAA institutions, Teamworks is uniquely designed by those who understand the challenges of college athletics. Strategically allocate resources, optimize investments, evaluate your roster, and build championship-caliber teams—all on one integrated platform. Checkout Teamworks General Manager to learn more. https://teamworks.com/general-manager...

Are you accidentally marketing what your audience needs instead of what they actually want? In today's episode, I'm breaking down one of the most common mistakes I see entrepreneurs make — and how it's probably costing you leads and sales without you even realizing it. I'll walk you through real examples, simple exercises to shift your messaging, and how to authentically speak to your ideal customer's true desires without watering down your expertise. If you want easier sales and more momentum, this episode is a must-listen!  

Today's episode is a real, raw, outside walk and talk — because we're deep in a sleep regression over here, and I'm sharing it all in real time. I'm breaking down the exact tools, routines, and mindset shifts I'm using to stay grounded, nurture my health, best support baby and protect my nervous system during this sleep regression! Ways to work with Corinne: Join the Mind Your Hormones Method, HERE! (Use code PODCAST for 10% off!!)Balance Your Blood Sugar - more details here!Mentioned in this episode: Needed Prenatal Vitamins (my non-negotiable!): Get yours here (code CORINNEANGELIA)My favorite electrolytes:Live Healthillie (Code: CORINNE10)LMNTMy favorite Protein Bars: IQ Bars (code CORINNEANGELIA) Aloha Bars (code CORINNE) Sakara Bars (code CORINNESAKARA) FREE TRAINING! How to build a hormone-healthy, blood-sugar-balancing meal! (this is pulled directly from the 1st module of the Mind Your Hormones Method!) Access this free training, HERE!Join the Mind Your Hormones Community to connect more with me & other members of this community!Come hang out with me on Instagram: @corinneangealicaOr on TikTok: @corinneangelicaFree Facebook group: Mind Your Hormones Podcast CommunityEmail Fam: Click here to get weekly emails from meMind Your Hormones Instagram: @mindyourhormones.podcast Disclaimer: always consult your doctor before taking any supplementation. This podcast is intended for educational purposes only, not to diagnose or treat any conditions. 

If your head is spinning with marketing messages from high-profile coaches insisting you need a team, a course, a 6 or 7 figure business, when what you really want is flexibility, freedom to do something you love on your own terms, this episode is your permission slip to have a simple, sustainable solo business. My returning guest, Maggie Patterson, joins me to chat about the significance of intentionally staying small as a solopreneur and why this approach can be especially beneficial for neurodivergent entrepreneurs. Together, we challenge the notion that choosing a small business is a sign of playing small or self-sabotage and instead highlight the strengths and preferences that can come with choosing to remain a team of one.Episode Highlights:The Solo Advantage: Maggie explains why being an intentionally small business owner can be the best option for neurodivergent individuals, offering greater flexibility and reducing stress.Cultural Conditioning and Entrepreneurship: Maggie & I unravel how the cultural celebration of hyper-successful entrepreneurship models can be misaligned with many neurodivergent experiences.Recognizing Personal Capacity: Our conversation explores the importance of understanding one's own sensory and emotional capacities and why it's crucial for sustainable business operations.Reality of Business Growth: We discuss the myths around scaling businesses and the reality of what it means for the entrepreneur's role to shift from creator to manager and marketer. Dismissing Magical Thinking: Maggie emphasizes the importance of discerning which ideas to pursue and recognizing that not every new venture has what it takes to succeed.Navigating Neurodivergence and Business: With personal anecdotes, the episode highlights the importance of understanding one's unique neurodivergent traits and leveraging them for business success.Challenging Toxic Advice: You'll find yourself nodding along to our critiques of the flawed business advice often targeted at women and neurodivergent individuals, encouraging you to trust your own judgment.Maggie Who?Maggie Patterson is a seasoned entrepreneur, consultant, and small service business owner who is passionate about demystifying societal conditioning around business success and encouraging entrepreneurs to prioritize their well-being. She is also a blogger, podcaster, and author of the long-awaited new book, “Staying Solo: Your Guide to Building a Simple, Sustainable Service Business.”

If your head is spinning with marketing messages from high-profile coaches insisting you need a team, a course, a 6 or 7 figure business, when what you really want is flexibility and the freedom to do something you love on your own terms, this episode is your permission slip to have a simple, sustainable solo business. My returning guest, Maggie Patterson, joins me to chat about the significance of intentionally staying small as a solopreneur and why this approach can be especially beneficial for neurodivergent entrepreneurs. Together, we challenge the notion that choosing a small business is a sign of playing small or self-sabotage and instead highlight the strengths and preferences that can come with choosing to remain a team of one.Episode Highlights:The Solo Advantage: Maggie explains why being an intentionally small business owner can be the best option for neurodivergent individuals, offering greater flexibility and reducing stress.Cultural Conditioning and Entrepreneurship: Maggie & I unravel how the cultural celebration of hyper-successful entrepreneurship models can be misaligned with many neurodivergent experiences.Recognizing Personal Capacity: Our conversation explores the importance of understanding one's own sensory and emotional capacities and why it's crucial for sustainable business operations.Reality of Business Growth: We discuss the myths around scaling businesses and the reality of what it means for the entrepreneur's role to shift from creator to manager and marketer. Dismissing Magical Thinking: Maggie emphasizes the importance of discerning which ideas to pursue and recognizing that not every new venture has what it takes to succeed.Navigating Neurodivergence and Business: With personal anecdotes, the episode highlights the importance of understanding one's unique neurodivergent traits and leveraging them for business success.Challenging Toxic Advice: You'll find yourself nodding along to our critiques of the flawed business advice often targeted at women and neurodivergent individuals, encouraging you to trust your own judgment.Maggie Who?Maggie Patterson is a seasoned entrepreneur, consultant, and small service business owner who is passionate about demystifying societal conditioning around business success and encouraging entrepreneurs to prioritize their well-being. She is also a blogger, podcaster, and author of the long-awaited new book, “Staying Solo: Your Guide to Building a Simple, Sustainable Service Business.”

Interview with Philip Williams, Director & CEO of Iso Energy Ltd.Our previous interview: https://www.cruxinvestor.com/posts/isoenergy-tsxiso-nyse-listing-on-horizon-as-company-expands-athabasca-basin-drilling-6792Recording date: 25th April 2025IsoEnergy, led by CEO Philip Williams, has established itself as a diversified uranium explorer and developer with a portfolio spanning Canada, the United States, and Australia. The company is advancing its flagship Hurricane project in Canada's Athabasca Basin, which boasts an exceptional resource of 48.6 million pounds at 34.5% grade, making it one of the highest-grade uranium deposits globally.The Hurricane deposit's value extends beyond its impressive grade. Strategically located in the eastern Athabasca Basin near existing infrastructure, including the McClean Lake mill, the deposit continues across a property boundary onto land owned by Cameco and Orano. Recent drilling has revealed promising results, with elevated radioactivity detected in multiple locations, including a significant intercept 2.8 kilometers from the main deposit.Williams employs a "fried egg" analogy to describe their exploration approach: "In the center of the egg is the ultra-high grade. And as you get to the outside of the egg, when you move out of the yolk into the whites, that's where you have lower grade." Recent findings suggest they've identified the "whites" of potentially new deposits and are now searching for the high-grade "yolks."Beyond Hurricane, IsoEnergy owns past-producing uranium mines in the United States that could restart within 3-6 months when market conditions improve. These conventional mines offer significant operational flexibility, as Williams notes: "You can turn them on, turn them off, batch mine them," unlike larger projects requiring substantial capital investment.With $50 million in cash and a $30 million equity portfolio, IsoEnergy is well-positioned to advance its business plan despite market volatility. The company's diversified strategy reduces the risks associated with single-asset, single-jurisdiction uranium companies.Williams highlights a fundamental disconnect in the uranium market: "It costs more marginally to produce uranium than it's trading at right now. So at some point the rubber will hit the road." He believes an eventual price correction is inevitable as producers cannot sustain losses indefinitely.IsoEnergy's ultimate vision is to build a robust, diversified uranium producer delivering shareholder returns across multiple timeframes. As Williams concludes, "In uranium, if you want to be a relevant long-term bigger player, you need to have multiple assets" – a strategy that positions IsoEnergy to weather the sector's volatility while capitalizing on expected long-term growth in uranium demand.View IsoEnergy's company profile: https://www.cruxinvestor.com/companies/isoenergySign up for Crux Investor: https://cruxinvestor.com

I am joined this week by the brilliant Kate Cannova. Kate is a powerhouse Broadway producer with a fascinating dual career path that has allowed her to pursue her creative passions while maintaining financial stability. In this episode, Kate shares her journey from being a young performer in Broadway shows to navigating the corporate world while building her producing career. You'll hear about Kate's early money mindset growing up in a traditional Italian-American family, her formative experiences that instilled a fierce desire for financial independence, and how she strategically planned each phase of her professional life. Kate opens up about her education at USC, her transition into corporate America, and how she balanced demanding corporate jobs with her continued work in theater. She details her bold decision to leave the corporate world to focus entirely on her production company, the devastating impact of the pandemic just months later, and how she pivoted to working alongside her husband in his auto parts business while continuing to produce Broadway shows. Listen as Kate explains her approach to democratizing Broadway investing by targeting at least 40% of women and people of color in her productions and ensuring that at least 50% are first-time Broadway investors. Her insights on maintaining separate finances in marriage, her philosophy on investing in arts and culture, and finding balance in a demanding dual-career life offer valuable lessons for anyone pursuing their passions while building financial security. Key Topics: Growing up in a traditional Italian-American family and how that shaped Kate's perspective on money and work ethic Starting work at age 11 as a performer in a Broadway show and developing financial independence early Strategically planning career moves while maintaining financial security Balancing corporate success with pursuing creative passions in theater The experience of leaving a secure corporate job and pivoting during the pandemic Democratizing Broadway investing by increasing participation from women and people of color Managing unconventional work arrangements with her husband while maintaining separate finances Connect with Kate online: Website: https://www.wheelership.com/  LinkedIn: https://www.linkedin.com/in/katecannova/ Instagram: @kate.cannova   Find more from Syama Bunten: Instagram: @syama.co, @gettingrichpod Website: https://syamabunten.com/ Download Syama's Guide to Getting Rich: www.syamabunten.com Women & Wealth Catalyst Summit:http://www.wealthcatalystsummit.com Big Delta Capital: www.bigdeltacapital.com

Today on The Hard Count with J.D. PicKell (the people's college football show) ... J.D. dishes out bold transfer portal predictions and how key moves could shake up the college football landscape in 2025. Also can Tennessee make it work with new QB Joey Aguilar? We break down the fit and future in Knoxville and also also dive into Alabama's current perception vs. reality, why Georgia might quietly be the most dangerous team in the country, and if Notre Dame's offense could be one of the best in the nation this upcoming season. Plus, Miami head coach Mario Cristobal joins the show to talk Cam Ward, Carson Beck, culture, and how the Canes are building for the long haul in the ACC.The Hard Count is presented by Culvers! Born in Wisconsin, Culver's is the home of the legendary ButterBurger, Fresh Frozen Custard and Wisconsin Cheese Curds—there's no better representation of America's Dairyland than that. https://go.culvers.com/culvers/sAkHC Take the guesswork out of buying tickets with Gametime! Last minute tickets. Lowest Price. Guaranteed. Download Gametime today and use code HARDCOUNT for $20 off your first purchase. Win the Revenue Sharing Era with Teamworks General Manager, purpose-built for collegiate athletics. Trusted by 99% of D1 NCAA institutions, Teamworks is uniquely designed by those who understand the challenges of college athletics. Strategically allocate resources, optimize investments, evaluate your roster, and build championship-caliber teams—all on one integrated platform. Checkout Teamworks General Manager to learn more. https://teamworks.com/general-manager...

Welcome back to Real Estate Investing in New York with me, Christina Kremidas. In this episode, we are talking about how to maximize your property's value by leveraging the appraisal, a critical part of the purchase and sale process that can make or break your transaction in the competitive New York market.About the Host:Christina Kremidas is a lifelong New Yorker who brings her extensive background in advertising to her successful real estate career in Manhattan. Her personal experience as a property investor and landlord in New York City gives her unique insight into her client's needs, while her negotiation expertise and market knowledge have quickly established her as a top-performing agent, ranking among the top 1.5% of licensed Agents in the United States for Sales Volume and among the Top 10 highest producing Small Teams at Douglas Elliman Real Estate. Beyond her professional achievements, Christina is deeply involved in the NYC community.  She is a founding Steward at St. Nicholas Greek Orthodox Church and National Shrine at the World Trade Center, where she serves on the Parish Council and leads social media, marketing, and young adult initiatives.Get in touch with Christina:Instagram: https://www.instagram.com/christina.kremidasTikTok: https://www.tiktok.com/@christina.kremidasCheck out my website: https://christinakremidas.com/Email me: Christina.Kremidas@elliman.comWhat Is Your Property Worth?: https://christinakremidas.com/home-valuationThe Virtual Agent Experience: https://christinakremidas.com/virtual-agentTimestamps0:00 Andrew Goodman of Gotham Valuation Introduction1:46 What an appraisal is and its importance in the mortgage process3:34 When sellers or buyers should proactively call an appraiser before the bank does7:39 Personal bias in appraisals versus market reactions to property features9:49 Using appraisals strategically in negotiations to provide reality checks on pricing12:34 What to do when an appraisal comes in under the contract price21:54 The law of diminishing returns on renovations 27:02 How outdoor space affects property value 31:21 The impact of views on property value35:03 Duplex apartments and how they impact property value37:45 The value of ceiling height in apartments 39:17 Whether adding bedrooms or bathrooms increases property value42:03 Impact of building amenities on property value, especially in remote locations44:20 How subway proximity affects property values in different neighborhoods47:41 Considerations for land lease buildings50:53 The value of in-unit laundry versus building laundry facilities57:11 Limitations of using price per square foot as a valuation metricDisclaimer: All information provided by Christina Kremidas and/or Douglas Elliman is furnished strictly for educational and entertainment purposes only. Christina Kremidas is licensed in the State of New York. Some concepts discussed here may not be relevant in other states. The principles covered here are general statements, every concept mentioned here may not be applicable to you. Christina Kremidas/Douglas Elliman is not making any legal or financial recommendations. You agree that use of the information contained in any content provided by Christina Kremidas and/or Douglas Elliman is at your own risk.

Watch NEXT: 10 Consultation Questions Guaranteed to Avoid REDO's https://open.spotify.com/episode/0XjuzpvxqsLtXA0nipo4vP?si=a6774abdd85a4e2f00:00 The 2 Minute Undertone Method00:56 This will make your Consultation EASIER not Harder 01:21 Common Mistakes Stylists Make Choosing a Hair Colorfor their Clients02:50 Replicating Inspo Photos is OUT, Custom Haircolor isIN 03:18 Why UndertonesMatter in Wardrobe, Makeup and Hair05:37 The 2 Minute Method to Find Your Clients Undertones05:54 The Wrist Method to Find Undertones07:06 The Quick Eye Visual to Find Undertones07:36 The Burn/Tan Test to Find Undertones08:09 The Jewelry Test to Find Undertones  09:57 Gold/PurpleTest to Find Undertones on Darker Skin10:39 How to Match Colors to Skin Undertones12:09 Visual Examples of Warm/Cool Red Tones12:51 Visual Examples of Warm/Cool Blonde Tones13:51 Visual Examples of Warm/Cool Brunette Tones14:36 Visual Examples of Vivid Hair Color Tones15:33 Side by Side of me Warm v Cool16:55 How to Talk to Your Clients About Colors That willWork Best for Them18:38 Have These Two Neutral Colors on Hand to Help ColorType Your Client19:13 How to Strategically use Your Studios Walls to MakeYour Clients Look Their Best20:02 The Best Lightbulbs to Have in Your Studio to see Trueto Tone21:04 Why You Should Turn off Overhead Lighting When YouTake Photos of Your Clients Hair21:33 Everyone Can Have EVERY Hair Color When you Choose the Right Undertones Courses you might like:Slow Season Fix: https://wolfandrabbit.samcart.com/products/slow-season-fix528 Instagram Captions for Hairstylists: https://wolfandrabbit.samcart.com/products/528-instagram-captionsStylist Scripts to Build a Loyal Clientele: https://wolfandrabbit.samcart.com/products/stylist-scripts/

Think making more money means hustling for more clients? Think again.

The primary focus of this podcast episode is the intricate strategies that artists must employ to effectively disseminate their music across various platforms. As an artist, it is crucial to understand that a multifaceted approach to promotion significantly enhances the likelihood of reaching a broader audience and establishing a recognizable name within the industry. The discussion delves into the necessity of cultivating genuine relationships with influential figures, such as DJs and playlist curators, to facilitate one's presence on platforms like traditional radio and streaming services. Furthermore, we explore the roles of songwriters, publishers, and administrators in the music ecosystem, emphasizing the importance of understanding these distinctions for effective career management. Ultimately, this episode serves as a comprehensive guide for artists seeking to navigate the complexities of music distribution and relationship building within the industry.Takeaways: Artists must employ a multifaceted strategy to effectively disseminate their music across various platforms. Building genuine relationships within the music industry is paramount for artists seeking broader exposure. Self-promotion on platforms like Spotify is insufficient without establishing connections with influential curators. Understanding the roles of songwriters, publishers, and administration is crucial for navigating the music industry. The disparity in payout structures between traditional radio and streaming platforms is a significant concern for artists today. Strategically viewing one's music career as a business is essential for long-term success and sustainability. Links referenced in this episode:spotifyyoutubecbcCompanies mentioned in this episode: Spotify YouTube CBC Socan Rihanna Beyonce Ed Sheeran Erin Ashley Amanda Paris DJ Jester Ricochet

Today on The Hard Count with J.D. PicKell ... Nico Iamaleava is shaking up college football — is his transfer exactly what the sport needed? J.D. breaks down what it means for Tennessee and the national landscape. We've also got spring intel you need to hear from Michigan, Nebraska, and Texas — including Bryce Underwood and Arch Manning updates. Plus, a full temp check on Oklahoma, Florida, and Ohio State heading into summer. And don't miss our exclusive interview with Michigan head coach Sherrone Moore, who dishes on the Wolverines' mindset and his 5-star QB. The Hard Count is presented by Culvers! Born in Wisconsin, Culver's is the home of the legendary ButterBurger, Fresh Frozen Custard and Wisconsin Cheese Curds—there's no better representation of America's Dairyland than that. https://go.culvers.com/culvers/sAkHC Take the guesswork out of buying tickets with Gametime! Last minute tickets. Lowest Price. Guaranteed. Download Gametime today and use code HARDCOUNT for $20 off your first purchase. Win the Revenue Sharing Era with Teamworks General Manager, purpose-built for collegiate athletics. Trusted by 99% of D1 NCAA institutions, Teamworks is uniquely designed by those who understand the challenges of college athletics. Strategically allocate resources, optimize investments, evaluate your roster, and build championship-caliber teams—all on one integrated platform. Checkout Teamworks General Manager to learn more. https://teamworks.com/general-manager...

Surveys aren't just for collecting opinions—they're tools for growth. In this episode, Meredith Olmstead and Nida Ajaz explore how banks and credit unions can use surveys strategically to deepen member relationships, improve product offerings, and make smarter, data-informed decisions. From onboarding to attrition, they share real use cases that turn feedback into action.Key Takeaways:Surveys + Data = Smarter Strategy: Relying on surveys alone can miss the mark. Marry member sentiment with real behavioral data to fuel better decisions.Survey Timing Matters: Onboarding, application abandonment, and account closures are prime moments to gather actionable insights.Make It Actionable: Use automation to route feedback, celebrate wins, respond to dissatisfaction, and drive follow-up campaigns (like Google reviews or referral asks).

Introduction: Welcome back! In Part 2 of our conversation with Ernesto Gomez, we dive deeper into the practical aspects of fostering engaged, purpose-driven teams. Ernesto expands on his framework introduced in Part 1, focusing on the three crucial dimensions that unlock potential: talent density, culture, and mindset. Learn actionable strategies to cultivate these areas within your own organization and empower your team to reach new heights. Summary: Building on the foundation laid in Part 1, Ernesto Gomez elaborates on his "talent density, culture, and mindset" system for maximizing team potential. He explains how intentionally designing for the right talent mix, nurturing a supportive and growth-oriented culture, and fostering both individual and collective positive mindsets are essential. Ernesto emphasizes that creating the right "spark" of ideas and purpose can awaken dormant energy within individuals and drive collective performance. He provides a framework for leaders to think strategically about these three interconnected dimensions to cultivate an environment where people can thrive. Highlights: Understand the interconnectedness of talent density, culture, and mindset in driving performance. Learn how fostering a "spark" of ideas and purpose can unlock dormant energy within your team. Explore the importance of intentionally designing for the right "talent density" within your organization. Gain insights into how to cultivate a company culture that supports growth and high performance. Discover the significance of nurturing both individual and collective mindsets to overcome limitations. Key Takeaways: Unlocking team potential requires a holistic approach that considers talent, environment, and individual/collective beliefs. Purpose and meaningful ideas are powerful catalysts for engagement and performance. Strategically building teams with the right mix of skills and perspectives is crucial. A positive and growth-oriented culture provides the context for individuals to flourish. Cultivating a strong individual and collective mindset empowers teams to overcome challenges and achieve more. Next Steps: Reflect on the current talent density within your teams. Are you bringing together the right mix of skills and perspectives? Assess your current company culture. Does it actively support growth, collaboration, and a positive mindset? Consider how you can foster a stronger sense of purpose and generate energizing ideas within your organization. Think about strategies to nurture a more resilient and growth-oriented mindset in both individuals and your team as a whole.

Today on The Hard Count (the people's college football show)... Spring games are heating up across the country and J.D. shares his predictions for Georgia, Ohio State, Alabama, and Notre Dame. Tennessee head coach Josh Heupel joins the show to talk Nico Iamaleava, QB development, and the Vols' momentum heading into 2025. We've also got spring practice buzz out of Eugene as 5-star WR Dakorien Moore flashes big-time playmaking ability. Plus, what makes Texas GM Brandon Harris such a recruiting difference-maker for the Longhorns?The Hard Count is presented by Culvers! Born in Wisconsin, Culver's is the home of the legendary ButterBurger, Fresh Frozen Custard and Wisconsin Cheese Curds—there's no better representation of America's Dairyland than that. https://go.culvers.com/culvers/sAkHC Take the guesswork out of buying tickets with Gametime! Last minute tickets. Lowest Price. Guaranteed. Download Gametime today and use code HARDCOUNT for $20 off your first purchase. Win the Revenue Sharing Era with Teamworks General Manager, purpose-built for collegiate athletics. Trusted by 99% of D1 NCAA institutions, Teamworks is uniquely designed by those who understand the challenges of college athletics. Strategically allocate resources, optimize investments, evaluate your roster, and build championship-caliber teams—all on one integrated platform. Check out Teamworks General Manager to learn more. https://teamworks.com/general-manager...

Generative AI is developing at an exciting pace, transforming compliance, risk management, and the customer experience. It's potential also requires financial institutions to navigate ethical dilemmas, security risks, and implementation challenges. This episode of the Forward Thinking Podcast features FCCS VP of Marketing and Communications Stephanie Barton and Kris Stewart, a certified regulatory compliance manager, product manager, attorney and business leader for Wolters Kluwer Compliance Solutions for a conversation about the power and possibilities of generative AI in financial institutions and how farm credit institutions can harness this technology while ensuring compliance and trust with their customers.    Episode Insights Include:   Generative AI in the Financial Industry  Generative AI is already a game changer and will continue to shape the future.  Real-world applications include credit risk assessments, servicing loans, and reviewing credit documents.  Compliance officers can utilize generative AI to tackle regulatory updates.  Generative AI can read data, find relationships, and report on actionable patterns.  As an assistant, generative AI filters the work and never gets tired.    Enhancing the customer experience A personalized banking experience is possible with generative AI.  Considerations for lending, fraud detection and financial planning.  A seamless process is possible with increased AI input.  AI has the ability to catch and prevent fraud faster.  24/7 availability and endless time to answer questions are perks for AI users.  AI utilities data that is already available and decreases time required for filling out forms.    Risks associated with generative AI adoption Data security and privacy are at the top of the list of potential concerns.  Loan decisioning data has the potential to have bias built into it.  Generative AI hallucinations are a result of the language predictive model.  Each of these considerations is improving, and still require human input where logical.  Guardrails will always need to be in place to monitor accuracy.    Addressing key ethical dilemmas AI needs to continually be working for customers, not against them.  Transparency is key in utilizing generative AI.  Strong governance and control framework are critical to successful AI application.  AI has the potential to enhance or destroy customer relationships.    The role of compliance officers in generative AI adaptation The standard approach to compliance governance must be employed to AI.  Fair lending issues, whether created by humans or AI, must be addressed in the same way.  AI must be considered as an additional way to deliver goods and services, and not permitted to violate laws that already exist.    Overcoming implementation roadblocks The state of your data structure is critical to effective implementation.  Inaccuracies and biases that are built into data need to be cleaned up prior to significant use within AI.  A good governance structure needs to be in place from the beginning.  Vendor solutions can help with implementing AI.  Strategically identify where specifically your company will utilize AI.  Consider use cases to maximize effort and investment.    Measuring the success of AI implementation Consider your current customer processes and satisfaction, and apply the same metrics on AI.  Operational efficiencies can be measured by key performance indicators.  Apply the measurements that are already providing useful information to AI.  Consider employee engagement – how is AI utilization affecting your team?    The future of generative AI Deep research in generative AI is leveraging reasoning to find and analyze data.  AI is coming, and we as humans need to be educated about and prepared for what it is capable of.  Consider competencies required of future generations to optimize efficiencies.    This podcast is powered by FCCS.   Resources   Connect with Kris Stewart — Kris Stewart   Get in touch   info@fccsconsulting.com   “I like to think of generative AI as the most knowledgeable, fast, compliance assistant that I could ever hope to hire.” — Kris Stewart   “Generative AI is not meant to replace the human, it's meant to help filter the work.” — Kris Stewart   “You need AI to do your work efficiently these days, but you need guardrails too.” — Kris Stewart   “Be fearless about investing and learning. The technology wave is coming whether you engage or not.” — Kris Stewart

  Are you wrestling with ethical dilemmas in your job? Feeling misaligned with your company's values?  In this powerful episode, we speak with Jeanne Sheahan, the Founder of Jeanne Sheahan Executive Life Coaching and a former Senior Director of Global Legal Privacy Compliance at Meta. Jeanne shares her firsthand experience navigating complex ethical landscapes in big tech and provides actionable insights for making courageous career decisions rooted in your personal integrity. As a former Meta executive who built and led a global privacy team, Jeanne understands the pressures and ethical challenges within the tech world. Now, she leverages her extensive experience coaching seasoned executives and rising stars at companies like Amazon, Google, and Microsoft to help you take control of your career and build a more fulfilling, values-driven professional life. Jeanne also shares her inspiring journey as a first-generation college student who rose to the highest levels of the tech industry, offering valuable lessons on navigating corporate culture and advocating for change. In this episode, you'll learn how to: Identify your core ethical values and ensure they align with your workplace. Recognize red flags and navigate ethically challenging situations in tech. Understand how creating a fear based work environment leads to breakdown in trust and mental and physical health issues. Develop the courage to prioritize your integrity, even if it means making difficult career choices. Strategically plan your exit if your current role compromises your values. Build a career that truly reflects who you are and what you stand for. Overcome bias and imposter syndrome on your path to leadership. Advocate for more ethical and inclusive workplaces. Set healthy boundaries to protect your well-being and values. Find and cultivate supportive communities within the tech industry. Become a more authentic and impactful leader. The critical role of male allies in fostering inclusion and sharing power. Connect with us: Connect with Jeanne Sheahan on LinkedIn at https://www.linkedin.com/in/jeanne-sheahan-20b0523/ and website at https://www.jeannesheahan.com/.  Follow Samorn on LinkedIn at https://www.linkedin.com/in/samornselim/. Get a copy of Samorn's book, “Belonging: Self Love Lessons From A Workaholic Depressed Insomniac Lawyer” at https://tinyurl.com/2dk5hr2f.  Get weekly career tips by signing up for our advice column at www.careerunicorns.com.  Schedule a free 30-minute build your dream career consult by sending a message at www.careerunicorns.com. 

Keith discusses the shift from a six-figure to a seven-figure income being necessary for a comfortable lifestyle and argues that a $5 million net worth is a minimum for financial security. He explains the benefits of leveraging a car loan for arbitrage, using a 3.99% interest rate to invest in real estate with a 20-25% total return. He also discusses the current state of the real estate market, noting that home prices and rents are expected to increase by 3-5% annually. Lower mortgage rates could increase affordability and bring more buyers into the market, potentially leading to higher home prices. Two-bedroom rents have increased by 3.7% nationwide, with significant growth in Nebraska metros. Resources: Get our wealth-building newsletter free— text ‘GRE' to 66866 Show Notes: GetRichEducation.com/548 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold today, why earning a seven figure income is the new six figures? Then a discussion on the direction of real estate prices and rents. I just bought a car though I could have paid all cash. Why did I get a loan instead? Then learn about how to perform due diligence on buying an income property with the pros and cons of turnkey real estate investing and the mistakes you must avoid today. On getricheducation.   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:20   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:36   Welcome to GRE from the first State of Delaware to the 50th state of Hawaii and across 400 nations worldwide. I'm Keith weinholden. This is get rich education, the voice of real estate investing Since 2014 Are we really gonna change the name away from the Gulf of Mexico? Well, I'll tell you one thing. There is zero history of hurricanes in the Gulf of America, therefore, I expect the appropriate adjustment to my insurance premiums big savings. Hey, you know, despite being a geography guy, I'm really not emotionally invested in this movement to change the names of giant pieces of real estate like Denali back to Mount McKinley and the Gulf of Mexico to the Gulf of America. It's only a little interesting to me. I mean, there are just more significant things to concern oneself with. So call it either one. I don't care. I know what you're talking about. Before we talk real estate, let's discuss your personal finances. I recently watched Dr Steven Franson speak surfacing this topic, and it got me thinking, when it comes to annual income, is you earning seven figures like the new six figures. Now, I guess that earning six figures could still be a short term goal to some people that are new to the working world, but maybe as little as a decade ago, having a six figure income was aspirational, or even a sign that you made it, or could even feel wealthy. I remember that today that is so far gone. Now, of course, it depends on where you live, but today, you need 50k just to survive. Your housing would be pretty standard in that case, and I don't know that you could get much fresh, healthy food at 50k per year, you might still have to be living with your parents. You need 100k just to sort of live. Perhaps that's if you're single and you're near the coasts, or you're married without children today, you need 200k for a life with travel and some dining out. I mean, you couldn't really even ball out on your vacations, like on 200k you're gonna balk at 500 bucks a night for a resort hotel. I mean, you're staying at more of a hotel than a resort, but at 200k of income, you can usually do some discretionary spending. At 300k in a lot of places, that's what a full family needs, a household with kids in order to live a little bit beyond that, and that's a combined income both spouses. If you make 450k today, now you're able to travel pretty well. You're probably still flying coach more than first class at 450k you may or may not be paying for the airline lounge, but you are staying at some comfy hotels. You really need to make $1 million a year today to live pretty close to all out fly first class travel well. But you're still flying commercial on a million dollar salary. You're not chartering anything. If that has not bought you time to cook, you can afford an executive chef with a million dollars so that you don't have to eat restaurant food. You know, restaurant food, even at finer restaurants, is laced with seed oils. This is why what used to be a six figure lifestyle is now a seven figure lifestyle. My spin here on this also is whatever you do at any income level, 50k a year to a million bucks a year or more, buy enough time to exercise that's something that's going to matter both to you and to those that you love over the long term. All right, so that's income. How about when it comes to net worth? There is a minimum amount in my mind that you need to have in net worth for me to say that you've got it made in America today. What do you think that number is? How about that? What do you think is the threshold? What's your thought? It is $5 million that is just a starting point, a minimum net worth that you need, if you just invested that you could probably live off its income for the rest of your life. For most people, compound interest will not get you to the $5 million net worth Mark anytime soon. Only leverage will. But yeah, after the COVID induced wave of inflation years ago, you've gotta recalibrate what you think of as a lot of money, and some people haven't caught up with this still. Now, I was on that great riverboat tour of Chicago not long ago. I think I brought this up to you in a previous episode, but you know, one thing that struck me as odd was that the tour guide, he was describing Chicago skyscrapers and the architecture around us, and he said they poured millions into that project. I mean, really emphasizing that millions were spent. I mean, today millions can mean as little as 2 million. That's an amount so tiny today for a construction project that what is that like, four average homes would be $2 million I mean, some entire counties in the Bay Area have a median home price of more than $2 million just one mediocre home. So let's talk about the direction of home prices and rents nationally here. Now I do not think that home prices or rents can really climb a whole lot over the next year, like 10% appreciation. I don't see it now. I also don't see how home prices and rents could fall substantially. The reason that prices cannot spike dramatically, it's still due to an affordability constraint, and I don't expect that prices or rents are going to fall a good bit either, or really fall significantly at all, because housing demand still exceeds supply. So that's the constraint on the downside. Really, nothing has changed there. The average for sale home today, it gets between two and a half and five offers that obviously depends on the area, so you keep seeing both prices and rents increase at this range of three to 5% that's the zone that we're in now, and we've been in that zone for most of the last Two years. Really pretty modest, not exciting, appreciation rates. Zumper tells us that two bedroom rents are up 3.7%   nationwide. Rents have actually declined in some Sunbelt cities, Durham, North Carolina and Nashville are some big losers I was describing Austin to you a few weeks ago. Do you know that two national leaders in rent growth are both in the same state. Yes, these two cities are both up more than 20% in rents year over year. It's in the Midwest. Any idea where I'm talking about it is Lincoln and Omaha, Nebraska both up over 20% and perhaps recent GRE listener guest grant Frankie is happy about that. He's the only person I know that invests predominantly in Lincoln, and this is due to strong job growth and also that supply that still hasn't kept up with demand. Now back to my point about how nationally, both rent growth and price growth are still pretty modest, which is still a highly profitable formula for a leveraged investor that bought right But historically, it is kind of boring. Many believe that as soon as mortgage rates fall sharply, and a lot of surveys show this, if. That five and a half percent is the magic mortgage rate level that will increase affordability so much that home prices will soar. I'll tell you my spin on that is maybe even that remains to be seen from listening to me for 10 and a half years now, you know that the direction of the economy has a substantial effect on housing, rents and prices, a force bigger than just mortgage rates. And when mortgage rates fall and other interest rate types fall, that usually means that the economy needs the help, which might mean that employment is down. If employment falls, home prices can still rise. They usually do, but perhaps not as much as you thought they would. So my point is, is that when mortgage rates fall significantly, that does not automatically translate into soaring price growth. Again. You gotta take history over hunches. If there's one thing that feels a little different in this cycle though, it's that we do have this palpable amount of pent up housing demand, so lower rates really could bring a lot more buyers off the sidelines. So therefore, it is possible that home prices will soar if rates really plummet. It is just not axiomatic. Now I just bought a new car, though I could have paid all cash. I chose to get the loan. And before I tell you about why I considered not getting a car at all and just using Uber Lyft ride sharing services forever. But sometimes I like to go off the beaten path and trek in some remote places. So that just wouldn't work. I also travel a good bit, and I considered not owning any car that's tethered to just one place. It's just not that efficient. But it came down to freedom. I enjoy my freedom and autonomy to hop in my own car and drive it on a whim. Though I could have paid all cash for this new car purchase, I chose to put the minimum amount down, and I got a loan for about 95% of the cost of the car. Why would I do that? Car debt is surely not as good as real estate debt. With car debt, I have to repay my own loan. I cannot outsource these car debt payments to tenants, and the payment is about $900 a month. I'll have to pay all of that myself. Also, unlike real estate, a car is a depreciating asset. Unlike mortgage interest, car loan interest is typically not tax deductible either. I'm not going to rent this car out through Toro and try to get an income stream off the car. Nothing like that. So this might sound like three strikes against a car loan. I've got to make the payment myself. It's declining in value, especially as a new car. It starts depreciating fast as soon as I drive it off the lot, and I'm not going to have any tax breaks. Oh, come on. I mean, that might sound like bad debt to a lot of people. Leading GRE I am a staunch advocate for good debt. So why did I embrace a car loan to the maximum leveraged amount? Because I am making my car loan good debt. The definition of good debt is debt that makes money for you. Car loan debt is secured, meaning there is underlying collateral, the car itself. And by the way, credit card debt is an example of unsecured debt. The big reason, though, is the financing through the dealership BMW is a 3.99% interest rate for five years, my credit's perfect. So I got a good rate there. Therefore this car loan is a simple arbitrage play. I'm borrowing at a lower rate to invest at a higher rate. Look, even if my car loan rate were double 8% I would probably still get this car loan, but it's 3.99How do I have confidence that I'm going to beat that on an annualized basis over the next five years? Well, first future inflation expectations are elevated, like I touched on on last week's show, if true, inflation the real diminished purchasing power of your dollar over the next five years is 4% I mean, that's a break even for me, right there already, but I'm gonna do a lot better than that. As a real estate investor, I know that instead of sinking this money into the car, that's enough of a down payment for a rental single family. Home or almost a low cost duplex, and being cognizant that real estate pays five ways, I expect a minimum of a 20 to 25% total rate of return with low risk. Now, if you're a new listener, that last part sounded far fetched. I know that's okay. You just don't know how to calculate your ROI for an income property with a loan. Yet another way to describe my strategy here is though I could pay cash, why would I tie up that many funds in a car? So I'm cognizant of opportunity cost. Opportunity cost means that you're missing out on a greater benefit when you choose one option over another. This loan approach also keeps me more liquid. Look, keep your money. Don't give it to a bank. Make your bank take five years to get all the money, while my $900 monthly payment stays fixed the whole time as inflation just keeps relentlessly debasing the bank's payment that they get from me. I mean, with that part, it works the same way as it does in real estate or any fixed rate loan that you could get. Be mindful, by paying all cash, you would not improve your net worth at all. Nothing happens to your net worth. Paying all cash reduces both your asset column and your debt column by the same amount, and it hurts your liquidity. Now, if you've got an emergency, you could be in a case where all of your funds would be gone if you paid all cash, they're inside the car, and you might not be able to extract them back out. All right. Well, what about the depreciating asset part of this equation? That's what most cars are. Well, just like a piece of real estate, your car's value will rise or fall regardless of your equity position. That doesn't influence it at all. So I will be underwater on the car. That's a way that some people might look at it. That means that I'm going to owe more on the balance than the car is worth. That appears irresponsible to some people. Well, yeah, that just means that the bank's money is tied up in the car, not mine. I've got it off giving me a good return. Look, when you have loans, you have another type of leverage, and it's not the mathematical type that I often discuss here. I mean, have you ever owed a friend money when something untoward happens? Who is motivated to talk between the two of you? You are your friend, your friend. They're going to be the one that's willing to work with you and help you out. They've got to give you levers when there's a mal apropos occurrence and the borrower loses their job or has a medical disaster and a huge bill, the person that's owed the money is always going to keep communication lines open with you, you as the borrower, are the one that is in control. Keep your debt on, keep your own money, stay in control. And how is this car loan making money for me, if I get a, say, 23% total return from income property and keep paying a 4% car loan, that is 19% arbitrage, I mean, what an easy choice. Again, the definition of good debt is debt that is used to increase your wealth. So getting the Max car loan allows me to avoid paying that opportunity cost of having all the funds tied up in a depreciating asset. And that is how a real estate investor buys a car. Now you're a smart investor. I mean, we have a really wise, responsible audience comprised of people just like you. But what would be some reasons that a real estate investor should pay all cash? Because there are some, and a lot of them revolve around, if you're financially irresponsible, if instead you got a car loan so you could stay liquid and maintain your life as a profligate and reprobate gambling degenerate and lose it all on sports gambling through the freaking Draft Kings and FanDuel apps. Okay, that's not a good reason. But as a GRE listener, that probably is not you. I was probably not talking about you, right. There another reason to pay all cash rather than getting the loan like I have, is if you don't have the liquidity to service the 900 Dollar monthly debt payment yourself, you could be over leveraged. See the chunk that I'm investing in real estate instead of the car that real estate will produce income for me, but it actually will not produce as much as $900 in cash flow to fully offset the car payment. Now it's going to produce a few $100 but my arbitrage is being created with the summation of all of real estate's five profit centers. I've got the whole shebang now, the leverage appreciation, the cash flow, the ROA, the tax benefits and the inflation profiting all coming at you. All five. My liquidity comes from elsewhere. A third reason why a real estate investor would want to pay all cash for a car is because say that you would effectively be forced to pay all cash for the car. Because if you took on a $900 monthly payment, that would dent your mortgage loan qualifications, debt to income ratio that mortgage loan underwriters are going to look at it would hike up your DTI so much that you couldn't qualify for future income property loans. So right, there are, what was that? Three reasons that a real estate investor would want to pay all cash if they could. But let's not lose the bigger point I was talking about the exceptions there. The bigger point is that consider getting the maximum loan for your next car, or even getting a loan against your current car if you already have one without any debt on it. It's actually a rational approach, because you want to consider the loan first, since this is your money, you earned it, approach it with the strategy first of keeping your own money that you traded away your finite life's time for. Think of keeping it first and only then consider giving it away next. I am getting the biggest car loan that I can and making the minimum monthly payments all 60 months five years, I did the same thing with my last car. It is an easy choice for me in just one word, it is for the arbitrage one word, most experienced financiers and real estate investors have not been exposed to those ideas that I just shared with you, and at the least, I am confident that I just gave you something to chew on mentally. There I've been talking about the intersection of your personal finances and real estate investing. Today, I'm your host, Keith Weinhold here on episode 548 of the get rich education podcast    what have GRE listeners been doing these past few weeks, they have been scooping up BRRRR properties, employing the buy, renovate, rent, refinance and repeat strategy fueled by GRE 's recent live event. You can watch the video of the event on demand right now, get an understanding of the strategy, see why it's so lucrative, and if it interests you, even get you paired up with actual property addresses conducive to the strategy. You can do that at GRE webinars.com this event can indelibly elevate your entire socio economic class and shape your legacy. That is a deep statement. Hey, this is what 8x leverage and $500 plus of cash flow on each single family rental property can do for you with the burr strategy in Cleveland. I mean, how much earlier will this allow you to retire? The event is free to watch. You can watch from home. I mean, come on, what else are you going to do at home tonight? Spend that time cleaning out your closet or smoking meats. Maybe at least, spend that time getting a car loan. What's the opportunity cost of you smoking meats tonight when you can actionably Build a real estate legacy with the BRRRRstrategy? Strategically outsource the meat smoking to somebody else. That's what I do. It does not take much to get started. These pre renovated homes are often about 60k some GRE followers have already bought two or three at a time. You'll see Jerry's investment coach Naresh and event co host Phil. I mean, just watching him talk is amazing. Phil is America's preeminent authority on burr real estate investing. Again, you can watch the event right now, and I don't know how long we'll keep it up for, just visit GRE webinars.com    Next fatal mistakes that you've got to avoid when buying income property with some vital due diligence tips. I'm Keith Weinhold. You're listening to get rich and. Vacation.    You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it. If I wasn't invested myself, you can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom, family investments, liquidity fund, again. Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Chaeli Ridge personally. Start Now while it's on your mind at Ridge lending group.com that's Ridge lending group.com   Robert Kiyosaki  26:49   this is Rich Dad, Poor Dad. Author Robert Kiyosaki, listen to get rich education with Keith Weinhold. And the reason I respect Keith, He's a very strong, smart, bright young man.   Keith Weinhold  27:10   Welcome back to get rich Education. I'm your host. Keith Weinhold, it's been a while, but I know that I shared with you before that my first ever out of state rental property that I bought ended up being a loser, and this is despite the fact that the turnkey provider and property manager that I was hiring for the property, they even told me not to buy the property because they couldn't keep it occupied in that neighborhood, and they told me to buy a different one instead. I didn't listen. I bought it anyway, and I lost we couldn't keep it occupied, so after a few years, I sold it to an owner, occupant, family for a small profit, but it was after years of negative cash flow, so there really wasn't any profit there, because, like I just said, we couldn't keep it occupied with a rent paying tenant that was back in 2012 near Fort Worth Texas. I bought it because it was cheap, just 153k and it looked pretty. It was brick. Those are both bad reasons to buy. Cheap doesn't always mean good. And the fact that a property looks pretty, I mean, I guess that's a somewhat good thing, but it should not be a deciding factor. I was never going to live there facts Trump feelings in investing. So my first bad experience was totally avoidable. I can only blame myself. Let me tell you about some other fatal mistakes to avoid, as we talk about some turnkey real estate investing due diligence. Since turnkey means all done for you, or another way to describe the property is a rent ready property. You know that word turnkey? It's sort of this compelling, even seductive buzzword, and it just might make you think that, ah, everything is just handled now and forever. It's gonna sail along just fine. No, it won't. Now, this is the type of investing that can change your life. This is the real estate pays five ways. Compound leverage Trumps compound interest, type of vehicle. Financially free beats that free type of vehicle. You're winning the inflation Triple Crown all those great, formulaic GRE mantras, but you better check to make sure before you get too far into it. And that's why we're talking about vital due diligence here. I think you know by now that turnkey, it means a property that's really just got three things. It's already renovated or new. Secondly, has a tenant in it, and it has professional property management from day one. Now, the property providers at GRE marketplace, they are some of the good ones. They have good reputations. Many have been in business for a long time, but some others do not. So what about a provider? Provider that's in, say, Oklahoma, but you live out of the area on one of the coasts, and this Oklahoma provider, they're trying to pass off a property in Oklahoma City or Tulsa to you, it's actually in a class D neighborhood the worst. And they're sort of presenting it like it's a Class B minus neighborhood, right? How can you hedge against that? How can you know that things are not being misrepresented to you? Well, of course, everyone knows about Google Street View. You're probably going to look at that first that's going to tell you about the street scene. It's free to use a paid service that gives you neighborhood analytics. Is it neighborhoodscout.com you want to verify crime rates in areas, income levels, poverty levels, education levels and school quality to make sure that the property characteristics are what you are being told, and some of those attributes always matter with property. I mean, crime rates matter because even though you're not living there so you're not going to be able to retain respectable rent paying tenants that would tolerate a high crime neighborhood. Understand, though, that not all crime data is the same. Violent crime is probably the worst shoplifting, I'll call that in the middle. And then most traffic violations, they're light crimes. Now, if you're buying a single family rental type, of course, the quality of the school district, well, that's going to matter more than if you're buying a building of little efficiency apartments where the school district hardly matters there, because you're not catering to families. I've mentioned before that we go look.com. Is a service where you can hire an independent inspector, not even a real estate related person, necessarily, but just an independent on the ground inspector to just go check out a neighborhood at any hour of the day or night. Now, if you have any question about the out of state neighborhood that you're buying in an easy way to get a check on the decency of the neighborhood is something really simple. Make sure the turnkey provider owns properties in the area that they're selling to you. This helps ensure that they're not offloading their problem properties onto you. That's something that's probably only going to happen with an inexperienced provider that doesn't have a reputation to protect yet. But when it comes to neighborhood quality, once I'm pretty serious about buying a property, do you know who I usually get reliable information from? And it's virtually free, and you're contacting this party anyway, so it's so easy for you that is just simply ask your property inspector. I mean, you always want that independent, certified Property inspector to walk inside every room of your prospective purchase, and they make that punch list for your seller before you close that's on either a renovated or a new build property always get that inspection. I've talked about that before, and that often costs $500 or less on a single family home, and today it's about $800 or less on a duplex, well before my inspector even checks out the place. I like to let them know that I live outside the area, and I want their insight on the neighborhood as well. I mean, inspectors live locally there, so they'll probably be able to give you a good answer before they even do your physical inspection. They already know the area really well, and it doesn't even cost you any more above your normal inspection cost to just get a little on the ground intelligence. And of course, your inspector works for a company independent of your property provider, so their information should be unbiased. They work for you. Now after the inspection, how about your appraisal and some due diligence with that, what if your appraisal comes in low. Everyone wants to talk about if your appraisal comes in high, that's instant equity that you have, but see if the appraisal comes in low with a turnkey property where everything was renovated, that may or may not be a problem, because the comparables that were used for your valuation, they don't have everything renovated in them like your property does. So the subject property, the one that you've got under contract to buy that could very well have a lot of say, new plumbing, electrical, HVAC, the roof, bathrooms, paint, flooring, lighting, kitchens. I mean, most, or all of those components could be new in yours. It's common for yours to have all those components, and then the comparables do not have those now, you and your seller, you will have to negotiate on who's going to close the appraisal gap. I've discussed that part on a previous episode, but I'm point. Out how you can still be getting value even when your appraisal is low and it's worth it. Down the road, you're going to have less maintenance headache than your appraisal comparables will most of the time. Turnkey properties are renovated to cover major systems, and that means you do not have major expenses. Soon these expenses get wrapped into your mortgage payment, and that's a lot better for you than coming out of pocket three years later to replace an entire roof. Another thing to keep in mind is that a property provider that's been in business for a lot of years, they do not have interest in selling you a lemon of a property and hurting their reputation, but that seller does have a little interest in getting the maximum dollar. I mean, that's almost intrinsically natural in human beings. I mean, everyone has that motivation, just like you do when you sell your property down the road. So these rent ready or turnkey properties, they're almost always better if you're a busy professional or you just want to spend your time doing something else. I mean, I think that's a pretty well established concept in the investing industry, but I really think these rent ready properties, they are better for even more people than just busy professionals. I mean, consider the alternative, if you try to screen and identify a property yourself and do all the rehab and manage the contractors. I mean, first of all, you can be dealing with a hard money loan where you're paying four or five points plus a 12% interest rate, since that's all that's available for distressed properties, and unless you have experience managing contractors, oh, boy, you could have construction timelines that go over by several months. Well, now that can eat a huge portion of your investment that you thought you were making. You're paying 12% and you have no tenant all this time, but instead, when you buy a rent ready property, and you've got the best mortgage rates and terms from day one, and you've got a rent paying tenant from day one, and not all these headaches and time lost and contractors are trying to manage with turnkeys at GRE marketplace, those rehabs are done by crews that work full time for the turnkey provider, so they work at more affordable rates than what you could get as an out of state buyer if you're trying to patch together contract and crews yourself. So at scale GRE marketplace providers, they're also dealing with the same material types over and over again, so they're faster at doing it. The materials are also reliably sourced. You won't have the 10s or hundreds of hours managing all this, checking with the rehabbers, checking for quality control, making sure the amount of work that you were paying for was actually done. I mean, some people listen to this show and they had that real estate pays five ways, epiphany, that big light bulb moment, but then they try to do this rehabbing and investing themselves to save a few dollars, is what they thought, and it's rarely worth it. So avoid the massive time commitments with all this. I mean, you're also going to be doing other things, coordinating inspections and permits with city municipalities. I mean, what a nightmare. GRE marketplace providers, they've already done all of that for you and more now that you've bought the property, all right, what about the potential for poor management? Choosing your property manager is of utmost importance, because that person or firm, they're going to vet your tenants, handle the repairs, collect your rents and take care of any other issues at your rental property. They'll understand the local landlord and tenant law, you're going to be seeing the property infrequently, if you ever see it at all, so keeping an eye on things becomes key. Now, once you own the property and you have the tenant in there, there is always the potential for your property manager to do a poor job, costing you money, making your investment less lucrative, I like to ask my manager if they do regular property inspections, like getting inside the unit every six months. Now, you can read online reviews, like the star reviews, the number of stars for property managers. I mean, that could be helpful. It can also quickly get misleading. You can get a lot of bad reviews on an adequate manager. Because property management is such a tough job, I think that one of the best things you can do when vetting a property manager is to ask a friend. A lot of people don't have that option. So then do a search on the bigger pockets. Forums for your prospective property manager. So read reviews. Don't just look at star ratings. And I'll tell you, property management is one of the few areas in my life where I am willing to accept a service level of adequate or mediocre. Almost no one raves about their property manager, but I do have managers because they are the guardians of my quality of life, of your standard of living. We want them to serve our tenants, but I don't want 80 tenants being able to text message me. So there you go, armed with a number of due diligence items that can help you make sure that you buy your next income property, right? GRE marketplace, we typically connect you with the experience providers, but I'm telling you this because it's prudent to do some checking on your own and inquiring like this too, in case you have any doubt. Now, you notice on GRE marketplace, where you can connect with free investment coaching as well, that the properties, at times, they seem less expensive than you would expect. Why is this? Well, investor advantage markets, they have low prices. I mean, that's just one reason that they are investor advantaged like Ohio, Indiana, parts of Pennsylvania, Michigan, Missouri, Kansas, Nebraska, Tennessee, Arkansas, Georgia, Alabama, Oklahoma, Texas and some of the other Mid Atlantic states And Florida, another reason the GRE market prices seem low is that there is no agent that has to be compensated. It is a direct model. Another reason is economies of scale. Providers provide homes in bulk, so there are savings that way, and there also aren't any owner occupied emotions evolved with income properties. Those emotions can run up the price, or what they really do is they keep it stuck at a high price. So to help you review what you've learned today, a seven figure income is the new six figures. Real estate prices and rents just keep moving up, but modestly for the time being, a car loan can be good debt when you have a reasonable expectation that you can create arbitrage and sufficient liquidity in your life. And though income property is perhaps the most proven wealth generator ever, there are some mistakes to avoid when it comes to buying right between the guidance that you have today and the help of our completely free investment coaching another safety layer. If you're confident that it can benefit you, I encourage you to engage and move at the speed of instruction. It's the only way that you'll benefit I built this resource. I really wish it existed when I started out, and it's available for you at GRE marketplace.com, until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 1  43:18   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  43:42   You know, whenever you want the best written real estate and finance info, Oh, geez. Today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text GRE to66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866.   The preceding program was brought to you by. Your home for wealth, building, getricheducation.com.    

CTO Series: The Anti-Scaling Paradox: Why and When a CTO Should Refuse to Grow His Team with Markus Hjort In this BONUS episode, we dive into a fascinating conversation with Markus Hjort, Co-founder and CTO of Bitmagic. With over 20 years of software development expertise, Markus shares invaluable insights on tech leadership, team scaling, and how AI is transforming the landscape of software development. From pivotal career moments to practical advice on aligning tech strategy with business objectives, this episode offers wisdom for technology leaders and developers alike. Defining Moments in Tech Leadership "As a leader, for me, it is important that we have a positive attitude." Markus reflects on two pivotal experiences that shaped his leadership philosophy. Early in his career, he received feedback about his positive approach to challenging tasks, which reinforced his belief in maintaining an optimistic outlook when facing difficulties. This approach has allowed him to inspire team members during tough situations. The second defining moment relates to estimation skills. After participating in a rescue mission for a delayed project, Markus learned the importance of making realistic ballpark estimates rather than succumbing to unrealistic deadlines. His initial two-year estimate for a project was met with resistance from a client who wanted it done in two months, but the project ultimately took four years to complete - twice his original estimate. Leads by example with a positive attitude toward challenges Values the skill of making quick but realistic ballpark estimates Recommends "Programming Pearls" for developers to improve estimation skills Emphasizes that product developers should create different options to reach goals In this segment, Markus refers to the book Programming Pearls. Aligning Tech Strategy with Business Objectives "Nothing should come for me as a surprise." When it comes to ensuring tech strategy supports business goals, Markus emphasizes the importance of continuous communication with key stakeholders. Through regular informal discussions, he stays aware of emerging ideas and maintains strong relationships with decision-makers. This approach helps him anticipate future feature requirements and translate technical strategy into business objectives. The foundation of this alignment is built on trust and transparency. Maintains constant discussions with critical stakeholders Develops awareness of emerging ideas through informal conversations Identifies and builds relationships with decision-makers Translates technical considerations into business language Fostering Collaboration Between Tech and Business Units "In the end we create the shared understanding and the habit of working together which creates better alignment and trust." While structured meetings are important, Markus believes that true collaboration happens when people work together across departmental boundaries. In previous roles, he implemented small, cross-functional teams that included business representatives during feature development. At Bitmagic, they conduct regular gameplay test sessions that anyone in the company can join, fostering unpredictable connections and conversations. These informal interactions are especially valuable in a remote-only company. Creates small teams with business representation for feature development Implements regular demo sessions open to everyone in the company Encourages cross-departmental work to build shared understanding Emphasizes the importance of informal discussions in remote environments Scaling Engineering Teams Strategically "You have to be careful when to scale, and when not to scale." Markus advocates for a measured approach to team growth during scaling phases. He believes in small teams of talented individuals and prefers to grow at a deliberate pace rather than rushing to add new members. Sometimes, he's even paused hiring to focus on meeting milestones with existing resources. When rapid scaling is necessary, Markus recommends considering contractors to reduce risk and gain specialized expertise quickly, particularly in fields like gaming that require deep specialization. Believes in small teams of talented individuals Grows team size at a deliberate pace Sometimes pauses hiring to focus on delivery with existing team Strategically uses both employees and contractors based on circumstances Navigating Financial Challenges in Startups "From the tech view it was clear this was not a good idea, but from the business perspective, it was the right decision to make." One of the toughest challenges Markus faced involved making difficult decisions during financial constraints. In a previous startup, when resources were tight, he had to split his team between the main product and a "side project" that had been sold to generate revenue. Though technically suboptimal, this business-driven decision was necessary for survival. This experience highlights the complex balancing act CTOs often face between technical ideals and business realities. The Impact of AI on Software Development "It has changed my way of thinking of my work as a programmer." Having worked on AI-powered game development for over two years, Markus has witnessed the rapid evolution of AI technologies. This experience has influenced his approach to team expansion, as he considers how AI might augment human capabilities. Personally, he now uses code assistants regularly and wouldn't return to traditional programming methods. AI has transformed his workflow as a programmer and expanded his capabilities, particularly as a full-stack engineer. Measuring Engineering Success Beyond Metrics "In early startup stages, one of the critical metrics is 'the working software.'" Rather than relying heavily on rigid metrics, Markus focuses on practical indicators of success for engineering teams. In early-stage startups, he prioritizes the frequency of releasing working software to end users. Additionally, he monitors team energy and morale, looking for signals in commit messages and code review comments that might indicate the team's well-being. As teams grow, he sees value in using tools to help track these emotional indicators systematically. Focuses on frequency of releasing working software Monitors team energy and morale as key indicators Looks for signals in commit messages and code reviews Considers team well-being as important as technical output Recommended Reading "Press 'pause' when you feel you are in a crisis situation." Markus credits "Rapid Development" by Steve McConnell as a significant influence on his approach to software development, particularly before Agile methodologies became mainstream. One lasting lesson from the book is avoiding the anti-pattern of "abandoning all planning under pressure." Instead, Markus recommends pausing when facing a crisis to reassess and plan effectively, rather than rushing into reactive solutions. About Markus Hjort Markus Hjort is the Co-founder and CTO of Bitmagic, with over 20 years of software development expertise. Starting with Commodore 64 game programming, his career spans gaming, fintech, and more. As a programmer, consultant, agile coach, and leader, Markus has successfully guided numerous tech startups from concept to launch. You can link with Markus Hjort on LinkedIn and listen to Markus Hjort's podcast in Finnish, and follow his work with the future of AI in gaming at Bitmagic.ai.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Stephanie Chung. Author of Ally Leadership, How To Lead People Who Are Not Like You, is the first African-American president of a private aviation company with 30+ years of experience- which she began as a baggage handler and led to top executive roles like President of JetSuite and Chief Growth Officer at Wheels Up. Company Description *Launched and led this successful coaching and training firm, establishing the business plan and strategic vision, as well as providing the business development, sales, and operations oversight needed to grow quickly. Engage with clients to provide sales training, executive mentorship, and business coaching, focusing on leadership communications and high-ticket selling.