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All eyes are on New York. The congressional primaries happen tonight, and in a city this Democratic, many of these races will effectively decide who heads to Congress. What I'm watching is a battle between Hakeem Jeffries and Zohran Mamdani. Mamdani is flexing. We're going to see exactly how much of a kingmaker he is in New York City. Jeffries is backing incumbents like Dan Goldman and Adriano Espaillat, the chair of the Congressional Hispanic Caucus. Mamdani is backing candidates including Brad Lander and Darlisa Avila Chevalier. The big question is whether Mamdani's endorsements can translate into wins, especially against somebody as entrenched as Espaillat.The race that really has my attention, though, is New York's 12th Congressional District. Jerry Nadler is retiring, and what has followed is an absolute clown car of a race. Micah Lasher would be my favorite to win, but he's the least interesting candidate in the field. George Conway, once one of the chief architects of turning the Monica Lewinsky scandal into the political force that it became and later one of the most notable Never Trump Republicans in America, is running as a Democrat. Jack Schlossberg, John F. Kennedy's grandson, is also in the race. And then there's Alex Bores, a New York Assembly member who has become the main character of this contest thanks to his relationship with AI.Politics Politics Politics is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber.The polling has been all over the place. Early on, Schlossberg led thanks to the Kennedy name. More recent polling has Lasher ahead, with Bores close behind and a huge chunk of the electorate still undecided. That's important because Bores has become the center of one of the strangest political fights I've ever seen. Roughly $26 million has poured into this House race because of his support for the RAISE Act, a proposal to regulate artificial intelligence at the state level.The two major companies in artificial intelligence, OpenAI and Anthropic, have very different views on how to regulate AI. A super PAC supported by OpenAI leadership in a personal capacity spent money attacking Bores, arguing that splintered state regulations would hurt the industry. Anthropic-aligned groups responded by spending even more money. Do they support the RAISE Act? Who knows. They want OpenAI's effort to fail, and that's what makes fight this so unusual. All of this is far less about Alex Bores and more about two AI companies using a congressional primary as a venue for a much larger argument.I know politics, and I understand the influence of super PACs. I've never seen a personal beef quite like this one. Anthropic hates OpenAI, and it's not a secret. Their CEO, Dario Amodei, does not believe OpenAI's CEO Sam Altman is trustworthy. Anthropic's view is that it needs to out-innovate OpenAI and become the market leader. At the same time, I think the anti-Bores effort made strategic mistakes. The ads were so ham-fisted that they gave him life he otherwise would not have had. The spending has even become controversial inside OpenAI. And tonight's the night we find out whether any of it even mattered.Chapters00:00:00 - Intro00:05:34 - Jeffries vs. Mamdani00:10:04 - NY-1200:20:50 - Update00:22:00 - Keir Starmer00:26:50 - Israel00:31:35 - Congress00:34:29 - Intro to Attention Mechanism00:38:16 - Attention Mechanism with Andrew Mayne01:43:58 - Wrap-up This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.politicspoliticspolitics.com/subscribe

Keith shares his "dirty dozen" due diligence questions every investor should ask before buying property, from gauging build-to-rent saturation and local job growth to testing cash flow and exit strategies.  He explains why even new-builds still need inspections and how to think about rents that may stay flat while expenses rise.  Aundrea Newbern, an experienced investor, broker, and property manager active in Southeast Georgia and Michigan, offers a real-world look at today's long-term and short-term rental markets, including shifting tenant behavior and local restrictions.  She also details how she's using AI to streamline property management, improve screening, optimize pricing, and cut maintenance costs, giving listeners practical ideas to apply in their own portfolios. Episode Page: GetRichEducation.com/610 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Keith, welcome to GRE. I'm your host, Keith Weinhold, talking about vital due diligence questions that you have to know the answers to before you buy your next property. Even advanced investors don't know to ask some of these. Then a terrific guest tells us how she is practically applying AI to increase rental occupancy, save on maintenance expenses and drive rental income today on Get Rich Education.   Speaker 1  0:28   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 in 188 world nations. He has a list show guests and key 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 getricheducation.com   Keith Weinhold  1:11   You know, Mid South Home Buyers, that top Memphis turnkey provider, I learned that a secret weapon behind their explosive growth is more than just you buying their properties, it's an executive coach for nine years now. Their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners, his name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to danielthomashind.com H I N D, that's Daniel Thomas hind.com and sign up before Spotsville Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at flockhomes.com/gre that's F L O C K homes.com / G R E.   Speaker 2  2:57   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  3:13   Welcome to GRE. I'm your host, Keith Weinhold. The world's biggest problems are also the world's biggest businesses. That's not a coincidence, and it squarely includes the problem of having enough quality housing. We talk about how to do that profitably and diligently, and on the topic of diligence, I've got a dirty dozen due diligence questions, call it I suppose these are smart questions to ask before you get under contract to buy your next property, and some of these could just as well apply to your existing rental property. Build to rent properties have become so popular, but ask the question, are these build to rent properties becoming overbuilt in this neighborhood? That's the first due diligence question, and a lot of investors overlook this, so you got to be mindful that build to rent often means lots of new construction in one smaller defined area. What you should do is ensure that new supply is being absorbed by renters. Some red flags to look out for are if multiple nearby communities are offering heavy concessions or free rent enticements, that is a sign that they're having difficulty luring in new renters to the area, and now taking a couple months to rent a brand new build isn't that unusual, but does the whole thing kind of feel like a mattress liquidation sale? Renters shouldn't have more signing bonuses than NFL free agents. The next due diligence question: Does this market still have population? And job growth, or am I late to the party? New workplace construction is a bullish market sign. Workplace construction, I'm talking about like a new office building, especially a new medical clinic, a new data center, a new factory. These signs are super bullish for an area, because not only does that attract the jobs and support the housing, as you can imagine, but see, that also means that whomever built the new workplace, oh, they probably did some research, and they're bullish about that area for a reason, they're going to look into that and do their due diligence that you can leverage before they spend perhaps 10s of millions of dollars or more in building a new workplace.    Keith Weinhold  5:45   The population should be stable or rising. Red flags are if growth already peaked and layoffs are increasing, don't arrive late to the party after the DJ has already packed up. The next question, when you're looking into a property, is is this unit likely to cash flow on day one? You know, you need to wonder, is the unit occupied or vacant. Some investors don't even think to ask that question until they get down the road a ways. When it's occupied, does the rent meet or exceed expenses with a buffer for maintenance and vacancy, now, if it's negatively cash flowing and you're solely enjoying the other four ways real estate pays, that might be okay, but you need to be comfortable with adopting a monthly bill that may or may not work. And do you know what I call a negatively cash flowing property? I call it a 401k property, because you have to keep feeding it every month like it's a 401k. A negatively cash flowing property effectively reduces your salary like a 401k does, and anyone that is serious about building real wealth when they're young enough to enjoy it would not invest in a 401k outside of the employer match portion.    Keith Weinhold  7:07   I'm your host Keith Weinhold. Here on Get Rich Education, episode 610 I've answered three out of twelve dirty dozen due diligence questions, and with abundantly minded grow your means answers that you're just not going to find on ChatGPT. Before I get to the fourth one, do you know what the word diligence means? Anyway, you probably have some idea. The definition of diligence is the quality of working carefully and persistently, demonstrating steady effort and thorough attention to a task. It implies a strong work ethic, meticulousness, and a commitment to completing duties well. All right, that is the definition. Diligence is the opposite of negligence. The next one, does my new build property need an inspection first? And this is a question, actually, that came in from Jake in Manhattan. Yes, it always does, whether it's resale or new build. It is always a good idea to get an inspection. One of the biggest misconceptions, really, is that new build means problem free.   Keith Weinhold  8:16   People just equate new build with problem free. No, that is not the case. New build can have problems. There could still be foundation cracks that are beyond normal settling, perhaps improperly installed roof flashing that could cause leaks, maybe windows or doors that are installed out of square, and a bunch more stuff that could be wrong, even in new build a presale inspection after you get the property under contract that only costs 350-650 dollars for single family rentals and 500-900 dollars for a duplex. This is cheap insurance. It's also good peace of mind, get it done. Sometimes investors want to skip the inspection when they need a quick close. Buyer, beware of the risk. The fifth due diligence question: What happens to my numbers if rents flatten for two years? And this is a more germane question than usual today, because rent growth is slow here in this cycle. Single-family rents are up just 1.3% year over year per totality, and expenses tend to rise with inflation. All right, so if your rents flatten for two years, project that ahead like your other expenses are rising, and see that the property would still remain financially stable. We cannot build a business plan on motivational quotes. Next, am I buying near major employers or near hopes and dreams with work from home trends, which can probably better be called. Called work from anywhere, trends buying near major employers is actually less important today, but it still matters. It is good to have diversified employers and stable payrolls somewhat nearby. Promises about future development might never happen. Sheesh, some areas have been up and coming since cassette tapes, the seventh due diligence question, what's the property tax trajectory here? That's the question. Taxes are often stable and increases predictable, but is there a local budget shortfall? And see, this is the type of due diligence that few people do keep in mind, and I'm bringing up new build a lot, because there are so many new build income properties today on new builds. Also, look out, year one taxes can look deceptively low until improved property is assessed in year two, and any reputable provider, and when you contact our GRE investment coaching here, we're going to point that out to you.    Keith Weinhold  11:05   This is how you can, though, sometimes get unusually low property taxes in year one if they have not assessed the improvement yet. Question eight, and this comes from Violet in Peoria, Arizona, is the builder offering real incentives, or are they just hiding the true price? Okay, well, incentives - they should genuinely improve your deal without inflating the pricing. Here, look out for sunglasses and a fake mustache for financing. It's mandatory that you have an appraisal. This protects you against overpaying in an appraisal, even though it's done for bank collateral purposes, checking the quality of their collateral, which is the property, you know, it is also a good independent third-party valuation check. This is a good tool to keep you from overpaying. Back around the 2008 days, the global financial crisis, you know, often then the lender and the appraiser could collude to give you favorable appraisals, somewhat inflated values, and as it turned out, I was an investor then and ended up being the beneficiary of some of those favorable appraisals, but since then the CFPB, the Consumer Financial Protection Bureau, stepped in. They were formed to step in, so that those parties are no longer in cahoots with each other, and yes, incentives are explicitly disclosed to the lender and appraiser. For example, if you have a seller that offers to pay half of your closing costs if you pay their full sale price. Okay, the appraisers do know that they have that information before they provide you with the appraised value. Ninth, what's the vacancy rate in this area right now? This is a good due diligence question to ask. A balanced market has about five to 6% vacancy, eight to 10% or more. That can often be the sign of a weak market, but this might be all right in build to rent communities, and that's due to longer initial lease up periods that you have there. Due diligence question 10. Would I still want this property if appreciation slowed dramatically? You want to ask yourself this question because you cannot predict appreciation. The answer to this question is most likely yes.   Keith Weinhold  13:35   You would still want the property even if appreciation slowed dramatically, because as a listener here, you understand that with a 20% down payment, just 2% price appreciation creates a 10% return on your equity, and you're also benefiting from the other four ways real estate pays, but if you're absolutely counting on appreciation to do all of the heavy lifting over the long term, that's less investing, and that is more hoping with spreadsheets. What's more predictable is something like inflation profiting on your loan, which is a force on its own. Next, ask this question: How old are the big ticket items like the roof, HVAC, plumbing, sewer, and electrical? I mean, if you get a number of expensive items that are near the end of their life, you could soon become emotionally attached to ibuprofen. At GRE Marketplace, we work with either extensively renovated properties or new build properties, so this is rarely a concern. These big capex items, capital expenditures, and that is really the way to go. Extensively renovated or new build property, because see that way the cost of having all this done for you both. Before you buy the property, that means that what you're essentially doing is financing the cost of all this into the loan, you're financing into the new roof, HVAC, plumbing, sewer, electrical, if any of that applies, and if you're buying a fixer upper, well, then a lot of times you need to pay cash for these items, and you lose repair time where the property could have been rented during that renovation time. Work with our investment coaching here, and you're going to be all set. Those big ticket items are rarely a concern. And then what happens is, if you have a break even or a positively cash flowing property. The tenant covers all of your operating expenses with the rent payment, and you never have to pay any money at all for these big ticket items. They pay for your mortgage and everything else, and you never lose the time because these things were done before you bought.    Keith Weinhold  16:01   And the last one question 12. What you want to ask is, what's the exit strategy if I ever want to sell? That's the last question. Begin with the end in mind. The fewer doors the property has, the easier it is to sell. Single family homes win big here. I mean, your eventual buyer down the road, they could be a gleeful owner occupant, even if the rental math were poor. That buyer wouldn't even know that the rental math is poor, because they're not renting it out, they're going to live there themselves. Sometimes your single family rental tenant even becomes your eventual buyer. This can work with duplexes too. Sometimes you can get an owner occupant, or your tenant stays there and continues to reside there as they're the owner, and they rent out the other side as well. But if you're trying to sell at 30 duplex, well, now you're exposed to cap rates and investor sentiment and market cycles, it's sort of like trying to offload a small corporation. That doesn't mean that apartments are bad, but they are substantially less liquid than single family rentals. That's your exit strategy that we're looking at. They are the dirty dozen due diligence questions every investor feels bumps, I have you will too, but these questions and answers are really going to go a long way toward helping you own right, and when you stick with it, real estate is a forgiving and lucrative asset class because you're paid in so many ways. Hey, coming up shortly, a guest that you haven't heard from in a while, and I know that some of you have missed hearing her voice. We'll talk a bit about the state of the real estate market here in a period where prices are remarkably stable, housing transactions are only about 80% what they usually are, and then we'll discuss how she's using AI in her real estate investing today. It's how she's increasing her occupancy and optimizing the amount of rent being collected. She splits her time in a couple ways between real estate markets in both Michigan and Georgia, and then in both the short term and long-term rental markets. That's next. I'm Keith Weinhold. You're listening to Get Rich Education. What if you got your mortgage loans the same place I get mine?   Keith Weinhold  18:31   You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property, they'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chayley Ridge. While it's on your mind, start at ridgelendinggroup.com that's ridgelendinggroup.com Let me ask you something, if you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate, it's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they've built real credibility. Go to Freedom Family investments.com to book a clarity call, or text Family 266-866 that's Family 266-866,    Speaker 3  20:02   Hi, this is Russell Gray, co-host of the Real Estate Guys Radio Show, and you're listening to Get Rich Education with Keith Weinhold. Don't quit your daydream. We've got a special treat for you today is for the first time in a few years we hear from someone that's served since 2020 in house here in both operations and as an investment coach. Today she serves GRE in a different capacity internally, but a lot of you still ask about her. That's why she's here. She's got both the formal education with her MBA, and is about as robust in being a real estate investor as you can be at the same time. Oh, it's a warm welcome back to the talented Andrea Newburn.   Aundrea Newbern  20:51   Hey, Keith, it's so great to be back. It's been a long time.   Keith Weinhold  20:54   Well, you've continued to grow not just in your business but in your family size since you were last here. Congrats there. I'd like your thoughts, just generally, about the American residential real estate investment market today, where we've got these sort of rising prices in low supply areas, we have slightly falling prices in oversupplied areas, we've got mortgage rates that have normalized, we've got tough affordability for renters that want to be first time home buyers, so just tell us about what you see, big picture. Andrea,   Aundrea Newbern  21:28   Yeah, absolutely, and so I invest and operate predominantly in the Southeast, so this will probably be a little bit more of a lens from the Southeast market, but as you know, I still actively invest in real estate myself. I help, you know people buy rental properties, also. But then the main thing that I'm doing now is I have a property management company down in Southeast Georgia, and so I'm seeing things more from the lens of what investors are doing, where they're investing, where rents are going, and if people are even buying properties. So it's been a little bit interesting. I mean, what I'm seeing is that, as you all know, it slowed down. We're not seeing as many investors buy properties, but people still are doing it, and they're still finding good cash flowing properties. Where the challenges come in is you're not making as much money on these properties as you did four or five years ago, so you know your margins are going to be a little bit less, your cash flow is going to be a little bit less. And then we're seeing, you know, rents kind of stabilize depending on the type of asset class that it is, so you know things are not doing wonderfully, but they're stable from what I'm seeing in the southeast market,   Keith Weinhold  22:31   and now you do a good bit of investing in sort of Brunswick and out toward the Georgia coast, including places like Jekyll Island, where G. Edward Griffin wrote his book about the formation of the Fed, and all that in general. How has that area been from a residential supply standpoint? For example, we know in neighboring Florida they've had a lot of oversupplied pockets. How are we looking there? I think you have a lot of occupancy right now from talking to you earlier.   Aundrea Newbern  22:59   We do, so I manage two different types of investments, right? I manage the long-term rental properties. There's less of those like on Jekyll Island, there's more of those in the mainland and Brunswick. And then we do the vacation rentals, which is very, very heavy on Jekyll Island and St. Simons Island. What we're seeing this year, if we talk about maybe those vacation rentals first, and then I'll talk about the long-term vacation rentals, we're still seeing a lot of demand, a lot of people are still coming. We're not really down from this time last year, but the one big thing we're seeing is people are booking their vacations last minute, they're not booking them months in advance at this point. So that's definitely had a little bit of an impact and had us on edge, because we're like, okay, where are these vacations? And then, sure enough, they're booking a couple weeks out now, so that's going really well. The investors that have purchased homes on Jekyll and St. Simons, especially Jekyll, are doing really good. They're still making a lot of money. They have high occupancy. Where are we seeing a little bit more of the challenge is with the long-term rentals. So rents are kind of staying flat from where they were last year in some of those B and C markets. We may even see a slight decrease, just a couple percentage points, and then it's taking longer to fill the property. So last year we could typically get a qualified runner in in three to four weeks. Now we're seeing anywhere from five to eight weeks. Right now,   Keith Weinhold  24:11   as far as on the short term side, have restrictions affected you at all, like banning Airbnbs, for example, and how have you seen that play out in other areas? Because you certainly network with other people that do short-term rentals. Can you tell us about that?   Aundrea Newbern  24:26   Yeah, absolutely. So I can talk about the Southeast market, for one, where in Jekyll, St. Simons, Brunswick, we're seeing no rental restrictions whatsoever. We do have to have a process to register the rental with a county, but it's so easy. It's literally a form. We do an inspection once a year, and that is it. I don't know that this is a fact, but a lot of the commissioners and politicians in the area also have rental properties. I think that probably has a little bit of an impact on that up here in Michigan, which, you know, I have another home, and I live in Michigan part of the time as well. There's a lot of restrictions, in fact, my. House right now is in Sterling Heights, Michigan, and they already have a rental ban where you can't do less than 30 days, so you're already having to go into that midterm market, and now they have some proposals up with the local municipality to even eliminate some of that, so we're seeing that in this area.   Keith Weinhold  25:17   Generally, do you tend to see it in nicer, ritzier areas where they want to make the short-term rental restrictions.   Aundrea Newbern  25:24   Yes, I do. Absolutely. Up here in Sterling Heights, where I live, the average home of my neighborhood is around five to six hundred thousand dollards and they absolutely do not want those here. But if you go a few neighborhoods over, where you're looking more of like the two hundreed to three hundred thousand dollars range, they don't seem to have as much of an issue with those. There   Keith Weinhold  25:40   We've been talking about short term rentals in both Southeast Georgia and then in Metro Detroit, where you currently spend quite a bit of your time. Talk to us about the long term rental market with affordability for buying being down, that really hurts the prospective first time home buyer, so they need to be more likely to rent, which would make some people wonder. Oh, well, then how could vacancy possibly go up in an area? Well, you know, migration - we've touched on it - is one reason why that might happen. Another reason why it might happen is you might see more doubling up.   Aundrea Newbern  26:15   Yeah, we do. We see a lot more families coming in. In fact, last week we just rented a property out to somebody where the parents were renting with their children, their grown adult children that also had kids, they're getting bigger houses, right? So they're actually feeling that need to fill up some of our larger homes, but it's multi-generational now. We are seeing a lot more roommates come in, too, instead of two roommates, you'll see three people come in and get a house together. The other thing we've noticed that's been really drastic, maybe the last three or four months, is the debt load that we're seeing. So, when we run people's background checks and look, they've got a lot of credit card debt now. We didn't see that as much years prior.   Keith Weinhold  26:50   All right, so you're seeing that at the street level, that's a statistic that we can read about, that American savings rates are down and the proportion of debt is often up. You're seeing it in real time, there. Do you see potentially, Andrea, this propensity for people to want to sort of bend things and have someone that's not on the lease live there with them in order to cut costs? So, you know, is there really anything in this environment that we really need to be careful about when we're screening tenants with them having such a debt load, and having to struggle with inflation and rising prices.   Aundrea Newbern  27:23   Yeah, absolutely. The debt load, number one, you know, we'll see them increasing, and that's something we want to keep an eye on. So, we're having to kind of retool our policies to look more critically at that debt load. They may not be delinquent on anything now, but if we've seen it gone up significantly in the last few months, I bet you it's coming. So, we're trying to retool our policies to be able to deal with that, you mentioned people having unauthorized tenants in the home that has persistently been an issue for us, maybe the past year. We find this often that that's happening, and usually it's because that person wouldn't qualify on the application, but they still bring in money and can help with the rent. The third thing, and this is with the advent of AI, right, how big AI has come is, we're seeing a lot of documents that are clearly fraudulent, but they look really, really good, because AI has created them. So that's another issue.   Keith Weinhold  28:09   Gosh, that's interesting. Well, I want to ask you more about AI, and you know, Aundrea, America is in such a weird time with AI today. You probably saw it at these college graduations across the nation, where a luminary is up front at the lectern making a commencement speech, and they get booed by students for talking about embracing AI, and that's probably because the student feels threatened about AI taking the job that they might not get, and you know what's funny, I suspect there's some of those same students, they loved it when AI helped them write an essay in order to get to graduation and wear that cap and gown, so..   Aundrea Newbern  28:51   Absolutely.   Keith Weinhold  28:52   Yeah, that's what I knew when I say that we're in a weird time with AI, but I know that you've really embraced AI as a property manager and investor almost from the get-go to make your property operations more efficient, so that you don't have to raise prices on owners, and you can keep those owner expenses down and increase resident retention at the same time. So, tell us more about how you're using it.   Aundrea Newbern  29:16   Yeah, so my team, I think, hates me for this right now, but in the last six months we have literally changed our operations front to back in a few different ways. Number one, we've changed the systems that we use, so you know, for vacation rentals as well as long-term rentals, you have your property management system that kind of streamlines everything, and that you do everything in. We've started going to platforms that are a little bit more AI friendly, so they have AI agents built in and they have AI functionality already in them, so that we're not having to purchase additional tools to come in and add them as a layer on top of our systems. So that's kind of the basic thing that we're doing, but the other fun things that I've been able to do, and I'm still, you know, working on this, and we're refining it daily, is using AI actually as kind of like a virtual assistant, essentially. So we do have virtual assistants with a company, and they're great, and we love them, and they do a wonderful job. However, they're human, so they're not perfect, but these AI agents, once you've trained them to do a lot of the back office tasks that your virtual assistants can do, after a certain number of iterations and training, they don't really make mistakes. So knowing that we have that, and we can continue building on that. We don't have to add FTE to our team, which increase our labor costs. That's allowing us to not raise our prices on our clients, and which I'm sure they're all happy about, because other property management companies are doing that right now,   Keith Weinhold  30:33   Right, so property management companies are going to have to do this to stay competitive and keep up, whether they want to or not, and when I think about using AI in real estate, you know, one of the first things I think of, just say that tenant journey from attracting the tenant to placing them. When I think of the cutting edge, I think of help with marketing and writing advertisements, which I think is kind of a simple thing to do, sort of an easy way to implement AI, and also when I think about that early part of the journey, really I think about using AI as a leasing assistant, and sort of how you see that more, the 24/7 front desk, if you will. I mean, if you have an AI leasing assistant that can answer questions for your prospective new tenant and follow up with leads that can be a big deal. I mean, a lead that sits unanswered for six hours, they just kind of turn into a cold French fry, and instead AI can answer those questions and schedule that tour. If a prospective tenant asks the same question four times, you know the AI doesn't get frustrated and leave out some sigh. So, can you tell us more about kind of that front end, the marketing, and then the leasing end? Are you using AI as a leasing assistant essentially?   Aundrea Newbern  31:47   We are. So, if we talk about maybe the marketing piece of things before we get into the leasing, we're not using as much AI with marketing at the moment. I have had it write some copy for me for some marketing, and I'm not usually crazy about it. I still think it looks like AI right now, so we're having to do a lot of changes with that, but what it has done a really good job at helping us out in the last few weeks is have it go analyze your website, have it analyze how you come up in search functions, right? So, if somebody's going to Google or if they're going to Gemini or they're going to Chat GPT, what's happening with your website and your company when people are looking for property managers, for example, it does a very thorough check on that. It's also really good at reviewing your website and telling you where you have gaps in terms of maybe you need to, you know, change something here or there, or you have certain links that are not helping in your search functionality. So, I think it's really good as far as analyzing stuff. That's kind of about all we've done as far as marketing, as far as a leasing assistant goes, this has essentially been like the biggest lift I think we've had from AI, period, in the last couple years. So, maybe a year ago, we implemented a software, and I'm going to leave the name out, because I'm sure you know I'd rather not do that, but it's a software, and there's a bunch of different options that you can use for this, but essentially it collects all of our leads for us, so we set it up, you know, we set criteria for the type of tenant and our policies for, you know, what type of tenant would qualify, and they call in or message or email this number or this email address, and the AI essentially goes through and asks them a series of questions, lets them know if they would potentially qualify or not. If they would not, then it will not allow them to schedule showings for any of our properties, if they would, with no exceptions. Then we can go ahead and get them scheduled, and the AI actually goes through and gets them scheduled as well. So it is a huge help for us.   Keith Weinhold  33:30   That is really nice. Okay, helping out with tenant screening, there can it arrange tours, put them on the calendar, then if they're qualified.   Aundrea Newbern  33:40   Yes, it actually gives them an option and shows them all of the dates we have available, so the person can go ahead and schedule their showing. It can provide updates if we need it, so if we change our policy, it can send that out to the tenants for us as well. So that process I would say is about 90% automated right now. It doesn't really take much human intervention, except for us to review things and make sure there's nothing kind of wonky with the schedule or anything like that.   Keith Weinhold  34:00   Okay, so if they're qualified and interested, the prospective tenant can fill out an application, and then is AI assisting on the screening, and are you still meeting with them in person before they get the keys and sign the contract?   Aundrea Newbern  34:14   Yes, and no. So we still do meet with them in person to be able to do like that walkthrough of the property and make sure we're documenting issues, and all of that, which, by the way, I think in the next year that'll probably be automated as well, but we're not quite there yet. They do not have to come in in person, in terms of signing the lease or anything like that. That's all done remotely. If they want to, they can, but we really don't have to meet with them until it's time for move in at this point.   Keith Weinhold  34:36   All right, we're seeing the evolution of AI since it was really Chat GPT that was pioneering and rolling out in November of 2022 so we're coming up on four years of really this activity being integrated into our lives, and I think we both know that it's only going to get better from here, so when we have a tenant that. It's actually placed, of course. I often like to say they call the discipline property management, but it could probably very well be called tenant management. And I think, about, you know, is everything okay after the tenants there? As far as AI having a maintenance triage function, if there's a maintenance request, of course, you're going to want to prioritize something differently if it's a big plumbing leak that's damaging the subfloor versus just having a slow drain, you know. You probably want to be sure either one of those things are taken care of, but one is going to get priority over the other. So, can you tell us more about after that tenants place the maintenance triage and using AI there?   Aundrea Newbern  35:38   Yeah, so we've pretty much automated the maintenance process in the last year, other than, you know, actually making sure the vendor went out and did what they were supposed to do. So, right now, with us, a tenant has to go in, unless they have a disability and can't do it, of course, but they have to go in and put in any work orders through our system, and essentially what happens is we've created kind of a workflow, so here's the issues of the types of things that would not be considered an emergency unless they answer, you know, certain questions a certain way. Here are the things that are emergencies and requires to go out pretty much no matter what, right? For the things that are non-emergency, or they're not clear in what the actual issue is, which is probably the number one problem we have, is they say, 'My lights aren't working, that's it, we don't know anything else about it, and then come to find out it was just a light bulb, or come to find out it was just their breakers tripping. The AI actually goes in and analyzes what they put in as the issue and selected, and then asks them a series of questions, and then, based on their responses, it actually tells them what to go do to troubleshoot it. We're seeing right now with data, it's eliminating maybe about 40% of the things that we would send somebody out for, yeah, it is huge, and the tenants are doing it, and they're not really pushing back or having issues with it most of the time, but then there are certain things that AI can't quite figure out, we're still training it on, so we do have to send somebody out or call, but it's having a huge reduction in us having to send folks out for this.   Keith Weinhold  36:56   Okay, yeah, we're not talking about completely eliminating humans, but that's huge, if they can have AI give them the answer to maybe some routine maintenance thing, probably that they could have gone and found out on their own, but yeah, that saves 40% of maintenance visits, that's a big deal. All right, so not too much backlash from tenants, not saying, like, oh, hey, I don't want to be talking with your robot, come on, not so much of that.   Aundrea Newbern  37:20   No, not yet. Now we are looking right now at implementing an actual AI agent that would answer the phone to handle these types of just maintenance issues, nothing else but maintenance for right now. And we've tested out a lot of different softwares that do this. Some are better than others, but none of them are perfect yet. And I could call and definitely tell I'm talking to AI, maybe some people couldn't. I feel we're probably going to have a little bit more blowback when that starts getting implemented and rolled out.   Keith Weinhold  37:44   Yeah, I imagine people are just going to get more and more used to this, you know. I wonder, how much AI is helping you with rent pricing, what amount to set the rent for. I mean, for example, isn't it interesting if AI knows that, hey, a bunch of units in the neighborhood all around you, they already have high occupancy. It's really tight in this sub market, where maybe it would advise you to bump up your rent. So, tell us about how AI is helping you with rent pricing.   Aundrea Newbern  38:12   Yeah, so you know, as a broker, I obviously have access to the MLS, which we use for a lot of data, but then sometimes there's rentals that are not on the MLS, so you know an owner went and listed it themselves, and I actually have an agent that their task is to go in every couple of days, and they'll analyze any of our existing listed properties that we have that are not occupied. We're still waiting on somebody to apply, and it'll go and tell me, "Hey, is anything else been listed? Has anything that was out there when we did our review two days ago? Has anything closed? Can we figure out, you know, what price it rented for? Sometimes it can, sometimes it can't, but it'll provide me a report every two days, automated, in my inbox for me to be able to look at on that. So it's really nice.   Keith Weinhold  38:51   Wow, this could be hugely useful. Yeah, or imagine on the flip side of that, if AI detects that there are a lot of vacancies in your area that, hey, you probably don't want to get so aggressive with rent increases. In that case, was there any last way that you're using AI in real estate? Maybe something I didn't think about asking you, Aundrea.   Aundrea Newbern  39:10   If we talk about long-term rentals, not as much. I think you kind of hit on the main things that we're using it for right now, but if we look at vacation rentals, it is doing a lot more there, I think, at the moment than it is long term. So, for example, pricing - we have dynamic pricing that we use for all of our vacation rentals, and the dynamic pricing isn't perfect, so somebody still has to physically go in and make sure no tweaks need to be made, that there's nothing weird going on in the software. I now have an AI agent that, that is their number one job. They go in once a day, they review all of our pricing. They let me know whether we need to adjust it up, down, change our minimum days, maximum days, and we make the adjustments. We're training it now to actually do those for us, but we haven't let it do it yet, so we're still waiting there. It's still waiting on its approval for me to do that, but things such as pricing, things such as going through and analyzing guest feedback, or guest. First tone, even in messages, it's providing me reports on that daily, so I can help identify problems that are maybe small problems before they become big.   Keith Weinhold  40:07   It makes sense that it would be more applicable in short-term rentals with all the turnover that you have there. Well, Andrea, let us know if there's a way for our followers to keep up with you and what you're doing, because people still ask about you here. You're so well liked. Let us know.   Aundrea Newbern  40:26   Yeah, so there's a couple of ways. If you're wanting to kind of see what we're doing with property management or our company, you can go to goldenaislesretreats.com There's also for a way for you to get in touch with me there. You can also check me out on LinkedIn or on Facebook, so I'm there as well, and I'd be happy to connect with anybody. I miss our listeners.   Keith Weinhold  40:43   Oh, Andrea, it's been valuable. It's been great having you back.   Aundrea Newbern  40:46   Thank you, Keith.   Keith Weinhold  40:53   Yeah, great to hear from Aundrea again on the show. It has been a few years. If you use professional management like I do, they will most likely be applying AI in a lot of the ways that we discussed. Coming up on the show soon, a life coach that's had a profound effect on a number of guests that we've hosted here on the show over the years. He has agreed to join us. He doesn't do a lot of appearances like this, so it'll be great. We'll hear directly from Daniel Thomas Hind, and how he transforms the lives of so many business people and investors professionally, physically, and mentally. I'm confident that it's going to help you get more out of life too. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 1  41:45   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  42:13   The preceding program was brought to you by Your Home for Wealth Building, getricheducation.com.

Register here to attend the live virtual event "Why Investors Are Targeting Oklahoma Real Estate in 2026" on Thursday, May 27th at 8:00 PM Eastern Time. Keith explains how rent payments are starting to factor into credit scores, boosting accountability for tenants and strengthening landlords' position.  He introduces the "GRE Duck" to show how a plain long-term rental can quietly build wealth through several profit centers beyond visible cash flow. Keith also shares why he expects a new era of heightened inflation and how owning real assets with long-term fixed-rate debt can help investors stay ahead of it. Finally, Keith is joined by a GRE Investment Coach, Naresh Vissa, to highlight Oklahoma as an under-the-radar, business-friendly market that many investors see as a promising "next place" for cash-flowing rentals. Episode Page: GetRichEducation.com/607 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host, Keith Weinhold. The American consumer is in real trouble today, and persistent inflation is poised to make it worse. How should real estate investors adjust their strategy? Learn the difference between delinquency, default, and foreclosure. Why making an early mortgage payoff is almost always ill-advised, then we explore an investment market that's poised for potential today on Get Rich Education.    Keith Weinhold  0:32   You know, Mid South Homebuyers, that top Memphis turnkey provider, I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach for nine years now. Their CEO, Terry Kerr, and his COO, Pat Nix, have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one on one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to danielthomashind.com H I N D, that's danielthomamashind.com and sign up before spots fill.   Keith Weinhold  1:45   Flock Homes helps multifamily owners exit the operator grind, whether it's your sixplex or a 50 unit apartment through a 721 exchange. This defers your capital gains tax. It's a strategy long used by institutions. Now you can swap tenants and toilets for passive income and zero management. Request your initial valuations. See if your property qualifies at Flock homes.com/gre that's F L O C K homes.com/gre   Corey Coates  2:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  2:34   Welcome to GRE from Arcadia, California to Arcade New York, and across 188 nations worldwide. I'm Keith Weinhold. You're listening to Get Rich Education. Around here, we don't look at a house and see four walls, we see five profit centers quietly doing jumping jacks behind the drywall. At the same time, most people seem to think cash flow is something that you catch in a stream. Hey, well, Who's in trouble out there amidst persistent and rising inflation? Well, you know the answer, it's just another reflection of the K-shaped economy and the hollowing out of the middle class. Now we can look at how many Americans are missing their mortgage payments. The mortgage delinquency rate is historically between one and 2% That just means that's the proportion of borrowers that get seriously behind on their mortgage payments. That's the normal range over the long run. Today's figure is pretty low at 1.1% so on the low end of that historic one to 2% range. So homeowners are in good shape, but credit card and automobile loan delinquencies are now deeply concerning, and a lot of times these people can be your rent paying tenant for credit card delinquency. Back in 2022 the rate was 8% Now 13% of credit card users are seriously behind on their payments. How about automobile delinquency? Back in 2022 it was 3.6% Now it's 5.6% and then there's student loans. The proportion of seriously delinquent student loans is 10.3% That's the highest since 2020 So the average borrower entering student loan default is now fully 40 years old. Before the pandemic, it was just 36 and a half. Now, there's surprisingly few hard statistics on the exact average age at which Americans fully pay off student loans, but the best available evidence from a platform. Called the Education Data Initiative, it suggests that the typical borrower who successfully repays on a standard timeline finishes somewhere in their early to mid 40s, and a substantial share of borrowers still carry student debt into their 50s and even 60s, so the US student loan crisis is intensifying. How about your tenant in that rent payment? About one in eight renters are behind on their rent payments per the CFPB. Almost every tenant catches up. Some live a paycheck to paycheck timing game. The payment that renters are most likely to miss is for credit cards, and, like I just put the numbers to, they are more than twice as likely to miss a credit card payment than they are an automobile payment. To most tenants, losing the car would mean losing the job, so they'll make the car payment before the credit card payment, and eviction is catastrophic, so they don't want to face that. They'll make that rent payment before a credit card payment too. Alarmingly, half of American credit card users carry balances from month to month, fully half the average interest they're paying is 21 to 22% I mean, sheesh, if Luboo is in a collection of wildly overpriced Stanley tumblers that all look big enough, waste of money. Now, some debtors can tap home equity to pay their consumer debt, but a lot of them aren't homeowners, all right. So, what does this all mean for residential income property owners? Well, since 1980 rent increases have compounded at 3.9% annually, that's the number, so almost 4% rent growth since about the time that Ronald Reagan became president, but rent growth is currently lagging behind this, and I expect that rent hikes will continue to be pretty paltry for the next couple years. Inflation is stressing tenants' consumer purchases too much for them to deal with steep rent hikes. The median household income of a US renter is $55,000 Overall, it's $84,000 All right, so to be clear, that 84k household income is not for homeowners, it's 84k overall for every American household. The 55k number is just for renters. What all this means is that this coming higher wave of inflation from the Iran war, where you're now poised to potentially see the highest rate of inflation of your entire life occur in the next couple years is that when you're looking at adding rental property on your pro forma, you can see how the numbers would be with those historic 3.9% rent increases each year, but it's wiser to run your numbers with no rent increase at all, because higher inflation on all these consumer products means it's less likely that they can handle a rent hike   Keith Weinhold  8:25   In the mortgage world. What's the difference between delinquency, default, and foreclosure, anyway? Because some people use a couple of those terms interchangeably, but there is a difference. The timeline is that once you're 30 days late, that is delinquency, and this condition occurs the moment that a single payment is missed. And at this early stage, your bank still hopes that this is temporary, because the bank actually doesn't want to take back your property. They're not in the business to do that. They want you to be able to keep making your payments in general, because if a borrower keeps missing payments and a bank has to take possession of the property, well, then that bank has to pay legal fees and court costs, and even property taxes if they end up taking back the property. Yeah, the bank pays all of that if they have to take it all right, so that's 30 days. What about when a borrower gets to 90 days late on payments, where we're trending closer to the bank having to take back the property? Well, 90 days, that's the point at which we're in mortgage default. When a homeowner's 90 days late on payments, the lender kind of says to themselves that bank is saying, hey, this is serious, and they file what's called a notice of default with both the homeowner and the courts at the 120 day mark. This is pre foreclosure, right? So, after about four months or more of missed pay. Payments and state timelines vary. Texas is famously Formula One fast, really lender friendly, then, but timelines can drag on for one to three years in a bunch of northeastern states, Florida, Illinois and Ohio, so they're more borrower protective, and during Covid, this was overridden, and even fast states became slow. Beyond 120 days of non-payment, this is foreclosure, the legal seizure process. This is when the home sells that auction to the highest bidder. That's sort of like Sotheby's for distressed drywall, but if no bidder raises their paddle, well, then the property returns to the bank and becomes R E O. You've probably heard this term before, that stands for real estate owned, R E O. It also kind of means bank owned, and bank owned is the phrase that kind of makes more sense. That's what REO is, all right. Yes, this is when the bank becomes the home's reluctant landlord, and if the occupant has not left, the bank can formally file for eviction. Banks don't like being in this position, and they might sell the home cheaply. Why would they do that? Because, again, banks are not in the business of owning property, and they don't want to pay those holding costs, besides paying legal fees and court costs, and the banks now having to pay property tax because they do temporarily own that foreclosed upon property. Now they're also usually paying for maintenance, repairs, and insurance, a non-paying borrower like this can typically cost a lender 1000s per month. So this is the difference between delinquency, default, and foreclosure. But, like I said, we are at a time when mortgage delinquency rates are historically low. Instead, it's consumer debtors that are more likely to default today on things like their credit cards and their automobile loans. The takeaway for real estate investors here is that in today's inflationary times, renters are increasingly cost-burdened, rent increases are historically slow. That's sort of the bad news. And then the upside, the good news is it also means that tenants must delay home ownership and keep on renting from you, because as they struggle to pay these rising expenses, it's also harder and harder for them to form a down payment and go buy their own place, that's the real lesson with the parts of the economy where you see default trends today.    Keith Weinhold  12:52   Now, if you're an income property owner, like I am, you probably have mortgages with a bunch of different banks, lenders like I do. You've probably noticed more than once that various banks and mortgage servicers, a lot of times, they feature these early payoff tools, enticing you to pay your mortgage off ahead of time, before it goes its full 30 year term, or whatever your full loan duration is. I mean, a lot of banks love it when you try to pay off your own early. It's often good for them and bad for you. And there are a few reasons that banks do this. They reduce their default risk if a bank convinces you, the borrower, to aggressively pay down your principal. It also builds equity faster, and you become less likely to walk away, so it's safer for the bank during downturns. Say there's a borrower with a 300k property and a 50k loan balance, meaning it's mostly paid off. Oh, that's far less risky to the bank than one with a 300k property and a 200k loan balance, meaning that you have less equity in it. So banks value stability. Another reason that some banks want to roll out the red carpet to try to get you to pay off your mortgage early is because banks recycle capital. They don't simply hold every mortgage for 30 years. A lot of loans are sold to Fannie Mae or Freddie Mac, or they're bundled into mortgage-backed securities, or they're serviced for fees. So your originating bank, when they first made that loan with you, oh, they've already earned their origination fees and servicing income and cross-selling opportunities, so getting principal back from you sooner allows them to reissue new loans sooner, and see rising interest rate environments like we've been in lately that changes the incentives for banks too, because if current mortgage rates are higher than your old rate a. Wow, then banks really love getting your old low rate loan paid off. Just say, for example, you have a 3% mortgage that you got five years ago, and new mortgages today are 7% Oh, if you pay off or refinance the old loan, oh well, now the bank can redeploy that money into higher yielding loans. Now they can lend it out at today's 7% that is really valuable to them. So encouraging your payoff, that is often just some consumer service positioning and marketing. You'll see messaging like, hey, make extra payments, or hey, you can own your home faster if you make extra principal pay downs, that's sort of marketing psychology. Because emotionally, a lot of consumers, they're not thinking big, they still emotionally love debt freedom, because a lot of them don't even consider true financial freedom is something that's in the realm of possibility for them, so banks provide tools because customers oftentimes want them and like them. Regulators actually like this position too. It's positioned as responsible lending optics, and financially healthy borrowers are deemed to be safer customers, but a bank sure does not want delinquency or foreclosure from a wealth building perspective. Productive low-cost debt benefits you, the borrower, enormously.    Keith Weinhold  16:34   And on previous episodes, I've talked extensively about how making extra principal pay downs on your mortgage is a bad idea, and that's whether it's rental property or your own home, and you know, I'll bring a new example to this for you. It might feel good to pay off your mortgage faster. Your bank probably likes that, as I just explained, but feeling good doesn't build your wealth. Let's just take a 400k mortgage at a 6% mortgage rate. We'll keep it simple. With a 30 year loan, your payment is about 2400 monthly, so you'll pay 864k over the life of the loan. Well, instead, with a 15 year loan, your payment's 3376 and you'll pay just 608k over the life of the loan. So, by paying extra principal with the 15 year, you save about 255k in interest over the life of the loan, and that's it. Most people stop right there, and they think, oh well, then the 15 year paying down principal faster than that has got to be the smarter way, look, I can point to this on paper and show you, no, but with that extra about $1,000 per month of mortgage payment that you made by going with the 15 year, if instead you would have just invested that at an 8% return, you would have about 1.1 million more dollars in your pocket. Some people say they sleep better because their house is paid off, but I would rather sleep knowing that my money is growing faster than my debt is costing me. I only used 8% as a return, too. If your dollars were instead invested in a different vehicle, say in buy and hold income property. We know that it can be multiples higher than 8% and all the while, if we keep our own money and avoid making an early pay down, our cash is also going to remain more liquid than if we sunk it into the house, because houses make terrible banks. It is indeed rather myopic to make extra principal payments on a mortgage loan in most cases. In fact, somewhat related to this, coming up on a future show, I'm going to tell you about the biggest financial expense you will ever have in your life, it is not taxes, it's not housing, it's not interest charges, it's not inflation, it's not paying for children, and it's not health care. Most people have never heard of it. The biggest financial expense that you'll ever have in your life. I'll talk about that coming up in a future episode.    Keith Weinhold  19:23   Is today's American housing market a buyer's market or a seller's market? In fact, it's somewhat of a discussion that you can have. There's not a clear cut answer, because more so than usual, it depends on which region of the nation you're looking at. As we know, six months of available supply is a balanced market nationally. There's only 4.4 months of existing housing supply, but almost twice that much new housing supply. National median home values are only up about 1.1% year over year. And what's the future of the investment market? Good, I'm going to discuss this and more with a guest later today. I would like to seriously thank you for your listenership. GRE is a platform largely built on long form trust, podcast listeners, newsletters, coaching calls, and referrals, releasing a show 52 weeks a year for between 11 and 12 years now, and the show is delivered every week from me, a real human flesh and blood host with a pulse and sometimes a cowlick in my hair, really human stuff going on here. I say this because robot podcast hosts are becoming more common, though I still wouldn't say that robot hosts are widespread. Amazon's Alexa Plus now produces AI-generated podcasts featuring chats between two robot co-hosts, but here on GRE it's always been human delivered with no plans to change that promise, and speaking of human connection, I learned that a number of successful guests that you've heard here on the show, they've gotten counsel from a rather special executive coach that's really developed some of these people that you've heard on the show. This coach has helped people show up as the best version of themselves and build them into better leaders, better operators, and better men and women, just like you, I know there's a gap between who you are and who you could be. When someone points out that gap to you, that can be a motivator alone, and when you learn the steps to close that gap, you really start to fulfill your potential. It often takes a trained eye from the outside to get you on the right trajectory and build the sort of person that compounds and builds you closer to your optimal self and people of enormous success have a coach or mentor behind them. Steve Jobs did, Michael Jordan, Tom Brady, Taylor Swift does the accountability piece alone is often enough to elevate your performance. I just learned about this coach this year. This man has been the behind the scenes key to success for a number of not just real estate related pros and GRE guests, but other people too. And interestingly, he hasn't marketed himself online anywhere. Well, I got curious, I learned more about him and kind of tracked him down, and he and I had a great lunch in California together not long ago, and I have since learned from him after 12 years behind the scenes. Well, it was quite a successful lunch, because that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind, the number of people with life-changing testimonials from working with him is pretty remarkable. So, if you're a hard-charging business owner or investor, and you want to get in the best shape of your life, physically, mentally, or professionally, you can fill out an application for a free consult. It's private one on one coaching, if you're willing to go to uncommon lengths to achieve pretty uncommon results. Thanks to Daniel, we've all become better leaders, better operators, better men. It started by showing up for ourselves. If it sounds interesting to you, now it can be your turn. You might at least look into it, since it is close personal one on one coaching. He can only help a limited number of people. So, complete an application before spots fill. You can go to Daniel Thomas hind.com H I N D is how you spell his last name, that's Daniel Thomas hind.com More next, I'm Keith Weinhold. This is Get Rich Education.    Keith Weinhold  24:05   What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group, NMLS 42056 They provided GRE listeners with more loans than anyone, because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal, and even chat directly with President Chaley Ridge. While it's on your mind, start at Ridge Lending group.com That's Ridge lendinggroup.com    Keith Weinhold  24:36   Let me ask you something: if you've worked hard to build wealth, is your money positioned to actually support your goals. A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers Freedom Notes for investors seeking structured income backed by real estate. It's a straight. Forward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed, but with a track record of consistent on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family 266866 that's Family 266866    Keith Weinhold  25:38   This is Peak Prosperity's Chris Martinson, listen to Get Rich Education with Keith Weinhold and Don't Quit Your Daydream.   Keith Weinhold  25:52   For an in-house chat, I'd like to welcome back our head investment coach here at GRE. He has his MBA, but perhaps more importantly, he's an active real estate investor himself, and he spends his days helping GRE listeners cut through the noise and actually make smart real estate investing decisions, and this means helping you figure things out, like what market fits your goals, whether cash flow appreciation or even showing a tax law should be your priority, and how to think about financing and what properties, the exact properties pass the smell test, and maybe most importantly, helping investors like you avoid expensive mistakes. And yes, the coaching is free to GRE listeners at GRE Investment coach.com And basically, if the real estate world feels like Costco on a Saturday afternoon, he helps you find the free samples, find the exit, and get the good deals without getting run over by a shopping cart. It's time for you to share with the audience. Naresh Vissa.   Naresh Vissa  26:53   Thanks a lot, Keith, for having me back on the show. Always a pleasure to connect with our loyal GRE listeners and followers,   Keith Weinhold  27:01   a lot of loyal listeners, some that have listened to all 600 plus episodes, starting from back in 2014 and Naresh we continue to see income property builders provide incentives that we haven't seen in years. Tell us about it.   Naresh Vissa  27:19   We're at a key point in this real estate cycle, Keith, regarding incentives, because we had GRE, and I think investors will tell you this, not just through GRE, but maybe in their hometowns and their local markets, that they're seeing incentives that they've never seen before, and a major reason for this is understanding why these incentives are there in the first place. If we go back five years to 2021 we didn't really see any incentives in 2021 outside of maybe like one year of free property management, which isn't the most enticing incentive out there, but today we are seeing more incentives than we've seen, at least in my career as a real estate investor, which is not very long, it's only about 10 years, but in my career as a real estate investor, in my career as a real estate investment coach, and a major reason for that is because providers, we call them providers, we can call them local market builders, or specialists, or flippers, wholesalers - we'll just call them sellers - they want to offload inventory, they want to sell their homes as quickly as possible. And why is that? Because we're not in a 2021 environment anymore, where a property gets listed and within three hours the first offer comes in, and within 24 hours multiple offers are in, and within two days of property is sold. We're not in that environment anymore. There are a variety of factors about why we're not in that environment. Part of it is economy related, part of it we talked at length about Doge, and the government contracts that have been cut. I mean, we're talking about hundreds of billions of dollars that are worth of dollars that are no longer pumping into the US economy, and the many jobs associated with that. We're also talking about the artificial intelligence, so the tech industries for the last few years, have not necessarily downsized, but changed their job functions, or removed, just eliminated job functions entirely, and this has affected markets, not the entire United States, but it's certainly affected some markets that we operate in, Florida, certainly in Texas, you can look at Austin, Texas, for example, and see the impact that the artificial intelligence and AI has had in the sector there. There are just all sorts of reasons, and so this is why builders, they're not building as much. So there were five years ago what are called spec homes. And pre construction homes, pre construction homes are homes that are to be developed and they get buyers ahead of time and they don't build until they get a buyer and then they build and they complete the property. Pre construction homes are not being done anymore as compared to custom home. A custom home is when you have a buyer and the building has started, the buyer has paid a good portion of the building, and the property is complete. But in pre-construction, they haven't even broken ground, they haven't even gotten permits, and a lot of investors have been scared away from that, saying, Why get a home like that when I can just buy a spec home or a custom home. A spec home is a home where the builder just builds a property and they hope that a buyer is going to come after it's built, and the problem with that, as we're seeing today, this is why builders are trying to offload their inventory. It's because so many of these spec homes were built because these builders thought, oh, 2021 2022 those are such amazing years, but now in 2026 they built these homes, and there aren't buyers throughout the building process, they weren't able to get buyers, and there still aren't buyers available, so what do the builders want to do, they want to offer really, really enticing incentives, because it's very highly likely they took out some type of construction loan, and they took out some other type of loan, and they've got all this debt on the property. Builders are not landlords, builders build, they want to build something and sell it off. They do not want to hold on to it and let something just sit there, that builders make money by selling their property, so all these different reasons are why we're seeing incentives like we've never seen before. And to give you an example, instead of one year of property management, we're seeing two years of property management. Yeah, instead of closing cost credits, we're seeing builders and sellers in general actually pay money to buyers, so they close on a property. Let's say they, instead of a closing cost credit, you close on a property, they'll literally just wire you or overnight you a check for x amount of dollars, and this is not like $1,000 $2,000 We've had some investors get up to $50,000 mailed to them after closing on a property, so I think this is a really, really good time for investors to find deals. You brought up Costco earlier, I'm like the Costco finder, it's a really, really good time to find deals, because through networks like GRE we have access globally, not just mainland 48 states, not just United States, not just globally, whether it's teak timber parcels in South America or in Central America, or it's duplexes, quads, single family homes in mainland United States, we have access to these deals, to these incentives, whereas your average person, they're just reading some headline saying, oh, real estate is a bad investment right now, and home values are supposed to crash, and there's so many homes available for sale, and there's going to be this big crash, and and inflation is very high, which means interest rates are really high. That's like the general consensus, but that's what the mainstream news media is telling, and that's what's creating a consensus.   Keith Weinhold  33:29   That's what clicks and fear. Yes,   Naresh Vissa  33:31   that's where I say that there are GRE is here to find those diamonds in a rough to find those incentives to find those good deals to find those markets, just like even in the stock market, the stock market can be at all-time highs, but you can still find those diamonds in the rough that are good, high-quality companies. Maybe they're undervalued. There's always going to be some type of diamond in the rough. I don't think we've ever gone through a period in our lifetimes where it was like, oh, everything is going so well, and there's nothing to invest in. There's nothing we should just do nothing with our money. I don't think there's ever been a point. There's always in any asset class in any industry. So that's why I say right now I'm seeing incentives. That's how I began this conversation. I'm seeing incentives that I've never seen before, and I'm excited to share them with all of our GRE followers.   Keith Weinhold  34:24   Yes, there's never perfection in a market like a panacea, where everything is tuned in just right, and it's really not a buyer's market nationally, in a sense. Now it sort of feels that way, because in 2021 to 2022 we had such a frenzy and such a run up in such a seller's market that things have come somewhat back more into balance. We still have substantially less than six months of supply on a national basis, but yes, to your point, some people are really cashing in on. These incentives, and that's created a pickup in activity recently that you've seen with investors.   Naresh Vissa  35:07   I have absolutely seen a pickup in activity, and there could be.. I don't want to speak in absolutes.. there could be a variety of reasons for this. Number one is the stock market has consistently reached all-time highs for the past few weeks or so, and many people, they liquidated some of their portfolio, they liquidated some of those stocks, and said, all right, it's time to get into real estate. Another reason is, yes, you do see these headlines that are doom and gloom, next big crash, and there are some markets in Florida, for example, in Texas, for example, in the DMV area, DC metro area, Maryland, Virginia, and even in some parts of California, you do see a stagnation in home values, maybe even a decline in home values in some of these areas, but I bring them up because some areas where investors own are still thriving and doing really well, and many of those investors who we work with at GRE, they opted to 1031 and say, you know what, I had this property, it appreciated by 60% since I bought it, 60% 50% whatever it might be, and I want to cash out. Well, I don't want to necessarily cash out, but I want to sell in 1031 into an undervalued market, or a market where the homes have declined, or maybe it's an up and coming market. For those who don't know, 1031 is special tax favored strategy from the tax code that allows real estate investors to sell a property and to essentially replace it with a like kind property, and there's tax break, you don't have to pay a capital gains tax or anything on it. There's nothing like that with stocks. So, if you sell a stock, for example, you can't get a more expensive stock with that capital gain and avoid paying the capital gains tax. Unfortunately, you can't do that for stocks, but for real estate, you can. So, we've had several investors do that, where they, 1031 they said this market, it's taken off, maybe it could go down, who knows, but I'm selling at the peak, and I want to buy somewhere else, so that's what we help people do, that's what I help people do, I help them find those deals, those incentives, those markets that could be up and coming, or maybe that declined, and that's why still it makes a lot of sense to be on the lookout for those deals.   Keith Weinhold  37:47   Now, one such place is potentially the Oklahoma market. Last week here on the show, I had your co-host for an upcoming event with me, Richard, whom is an Oklahoma City provider, and we were sort of a phrase that I use, Naresh, is that next place, that next place, Oklahoma City, where the prices haven't run up, it's business friendly, and you do have these affordable prices, and you have landlord-friendly laws, potentially that next place where your dollar goes further, and as the Oklahoma City Thunder go deep in the playoffs, you know the nice thing about Oklahoma is that you can still buy real estate there without needing an NBA contract to afford it. In fact, we were spotlighting their $145,000 new build detached single family rental. Now it is tiny, and it comes with both LVP flooring and granite. I mean, it's something that sort of sounds like science fiction in Metro New York City and coastal California. I don't know if paying 145k would even give you permission to look at a house, but that's one opportunity that we've been talking about here. Niresh,   Naresh Vissa  39:03   let me talk a bit about Oklahoma, because this is a market that we haven't covered much. In fact, we, I would say, have never covered it in writing. It's not heavily featured throughout GRE's history. Yeah, it's not prominently featured on our website. This is a newer market, and I brought up the term up and coming, so I brought up the 1031 people are 1031 into up and coming markets. Oklahoma is an up and coming market. It's a very landlord friendly state, it's a very tax friendly state. The property taxes are significantly lower in Oklahoma, for example, compared to a Texas or a Florida, which are two very popular in real estate investment states. Investors go after Oklahoma is not quite as high, their home insurance isn't anywhere as high as a Florida, for example, but the best part. It is because of all these different factors. Oklahoma has a lot of industry, and we'll go into it this Thursday on our webinar. Go to GRE webinars.com to register, but Oklahoma, the tourism is getting up and running. The energy industry still has a very important part to play in this world's energy consumption, Oklahoma, it's got huge academic areas. You have Oklahoma University, you have Oklahoma State, you have a plethora of Tulsa has a very strong university there. You have medical schools there. Oklahoma is an underrated state. People don't think about Oklahoma when they think about what are the greatest states in America, or what state that I want to move to, but Oklahoma, I think, is that next up-and-coming state, because there's actually more stuff now. I brought up tourism, you brought up the Oklahoma City Thunder, they never had really any professional sports teams, what, 20 years ago,   Keith Weinhold  41:02   right?   Naresh Vissa  41:03   And the Thunder now are the best NBA teams. They have been the best, and I'm rooting for them. So this is all good. That's the Oklahoma City area, where the Thunder play, but, like I said, I brought up other markets, like Tulsa, where we have inventory, and there are a few others that we're going to cover, but mostly the best properties that we're going to cover on Thursday are in the Oklahoma City area, places within 45 minutes, 50 minutes from Oklahoma City. So, as you're watching the webinar and following the Oklahoma City Thunder, that should only kind of enhance as the team does better and as Oklahoma gets more publicity, and is on TV more, and you see all those nice stills on TV, and those shots, and ESPNs covering the city, that's all very good for real estate, and for publicity, and this is like an intangible reason to invest in Oklahoma that actually makes a very big difference. So, overall, Oklahoma is what I would call, like I said earlier, up and coming, the home values, because it's up and coming. You can't get $145,000 new construction property anywhere in the United States right now. When I say anywhere, there's a little bit of hyperbole there. If you look to some boondock towns and cities, yeah, you'll find them, but are they really good renters markets? Are they good appreciating markets? Well, in fact, the most of the state of Oklahoma is now, and definitely that Oklahoma City area is. So, I'm excited about this online special event we're having this Thursday, because, like I said, this is a new market, just like the team, I mean, so many fans are just new to Oklahoma, you know, like Oklahoma, like what's in Oklahoma. Well, attend our special event this Thursday, GRE webinars.com and we're going to get down to the nitty gritty of it. I think this is out of all the up and coming markets I've covered over the last 10 years, I think this is the best one, because the problems I had with some of these up and coming markets, like Memphis, for example, crime.. it's why are they up and coming? Why are the home value solo? Well, you know, crime was a major issue. There's no comparison between an Oklahoma City or a Tulsa and Memphis, for example, or a Baltimore. There's no comparison when it comes to esthetics, when it comes to newness, niceness, crime, homicides, no comparison. So, to me, this is a no-brainer. And I think investors should be really excited about this.   Keith Weinhold  43:32   There is anticipation for Thursday's live event, which you can enjoy from the comfort of your own home. You'll learn about real estate investing, you'll get to chat with Naresh and the co-host, Richard, that provides there. Ask any questions that you want to have answered in real time. The event name is why investors are targeting Oklahoma real estate this year. It is this Thursday night, the 20-eighth, 8pm Eastern, 5pm Pacific. Sign up is open@grewebinars.com It's free. Naresh, we all look forward to seeing you Thursday night. It was great having you here.   Naresh Vissa  44:06   Thanks a lot, Keith. Looking forward to seeing everybody.   Keith Weinhold  44:15   Yes, the Oklahoma City Thunder are the reigning NBA champions, and they've gone deep into playoffs again this season, but what you'll find more interesting about Oklahoma City's real estate investment market is that it's business friendly, still affordable population growth, job growth. There are still good deals. You don't need to have a venture capital exit just to put some rental property in your portfolio, and while those $145,000 properties are small detached cottages with LVP and granite, there are other single family rental and duplex styles, all new build, everything here is new construction, the. Like a nice looking 565k duplex in Edmond, Oklahoma. I'm looking at a photo of it right now. Edmund abuts right up against Oklahoma City. Between 2010 and 2020 it had whopping population growth of 16% That is not random. People vote with their moving trucks. Learn more about Oklahoma's growth in energy, aerospace, aviation, logistics, and tech, along with Oklahoma City's downtown revitalization. This creates the rent-paying tenants with stable incomes that we need at the event, the provider is even offering two years of free property management, and they handle all the tenant placement for you. Save your spot for Thursday now@grewebinars.com Our team will see you then. Next week, we'll have Rich Dad Poor Dad author Robert Kiyosaki back here on the show with us. We'll see you Thursday. I'm your host, Keith Weinhold. Don't quit your daydream.   Unknown Speaker  46:08   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  46:36   The preceding program was brought to you by Your Home for Wealth building get richeducation.com  

Henry Lake is in for Jason. He talks about the latest news around the war in Iran and questions if there's been ANY benefit to this military action? Then, have you noticed smaller portions at Chipotle? Their CEO says the solution is to just ask for more. Wait, what?!

 Your Digital Twin Is Already Alive. You Don't Own It. Before you went to sleep last night, you built your digital twin. Every app tap, GPS ping, and scroll added another brick. The problem: you don't own it, can't correct it, and it will outlive you. Companies like Acxiom — now rebranded LiveRamp after the original name became too radioactive in privacy circles — hold up to 10,000 data points per person. Not through hacking. Through identity graphs that silently stitch your grocery loyalty card to your 2 a.m. weather searches without your knowledge or consent. Clearview AI scraped 30 billion photos from the open internet. Their CEO admitted it on camera without flinching. European regulators levied massive fines and demanded deletion. It didn't work — because when your face is ingested into a neural network, it stops being a file. It becomes math. Baked into the weights. You cannot unbake a cake and pull out a single egg. Microsoft's voice-cloning system needs three seconds of audio to replicate you saying anything, in any emotional register. Three seconds. A voicemail to a plumber. A clip from a Zoom call. The system maps the acoustic environment — so a clone recorded in a parking garage sounds like it's calling from a parking garage. Your brain's threat-response circuitry evolved over millions of years to recognize a loved one in distress. It has no defense against a synthetic replica of that signal. A 2018 study published in the Proceedings of the National Academy of Sciences — researchers from Stony Brook and Penn — detected clinical depression three months before a physician made the diagnosis. The input wasn't medical records. It was Facebook posts. The algorithm tracked a measurable rise in first-person pronouns: I, me, my. Psychological research shows that as depression develops, focus turns involuntarily inward long before the person consciously recognizes it. Sadness leaks into syntax. The algorithm reads the leak. Now place that capability in the hands of a corporate HR department or a life insurance underwriter. They don't need a diagnosis. They see the semantic pattern, the timestamp of your 3 a.m. scrolling, and they attach a derived attribute to your profile: high risk, severe depression. Your resume gets filtered out. You never know why. You have no one to appeal to. Under current U.S. federal law, you have almost no right to see, correct, or delete what data brokers hold. The inferences an algorithm draws about your mental health, financial risk, and behavioral trajectory are classified as the corporation's intellectual property. Not yours. Theirs. The conclusions a machine drew about your mind belong to the company that owns the server. Clicking "do not sell my personal information" stops one broker from selling your data tomorrow. It does nothing for the broker who bought your identity graph two years ago and has no legal obligation to honor your request. When you die, the twin doesn't. The face print stays in the neural network. The voice clone lives on a server farm indefinitely. A growing grief-tech industry is already selling your family an AI avatar of you — managed, monetized, and edited by a corporation that never knew you, presenting whatever version of you best serves their subscription model. The question worth sitting with: if your digital twin is legally someone else's property and it outlives you long enough to interact with your grandchildren — at what point does the algorithm decide how your own family remembers you?  This post is based on a recorded discussion exploring the architecture of persistent digital identity, data broker operations, and the legal framework governing algorithmic inference in the United States.robotcrimeblog.com

April 9, 2026: Meta had a big week. The company launched Muse Spark, its first model from a completely rebuilt AI team, framing it as the opening move toward personal superintelligence. And internally, employees were competing on a secret leaderboard tracking exactly how many AI tokens each of the company's 85,000 workers consumed — with titles like "Token Legend" awarded to the top users. Their CEO didn't crack the top 250. We break down what both stories mean for the future of work, plus why Lowe's just committed $250 million to skilled trades training and why OpenAI and Anthropic are building AI models too dangerous to release to the public.

Watch the video interview here Europe is only partially on track to meet its 2030 environment and sustainability objectives, and while some objectives are being scaled back, we are seeing the introduction of more regional regulations that require tangible annual sustainability reporting.  Businesses that have built sustainability into their way of working from the start are leading the charge and defining what it means to operate responsibly. As with today's guest, Forest, an e-bike provider that is not only 100% powered by renewable energy but has also achieved the coveted B Corp Accreditation. In this episode, Mel Blackmore is joined by Laura Elms, VP of Sustainability & Corporate Affairs at Forest, to discuss how they embedded sustainability from the start and explore their journey towards B Corp Accreditation. You'll learn ·      Who are Forest? ·      Who is Laura? ·      Why was B Corp important to Forest from the start? ·      What other Standards do Forest currently hold? ·      What does Forest's higher B Corp score of 99 mean in reality? ·      How did Forest embed sustainability into a business from day one rather than retrofitting it later? ·      How has Forest balanced growth with genuine environmental accountability? ·      What does tackling Scope 3 look like in urban mobility? ·      Why did they also attain Verra Validation, and why does third-party validation matter? ·      How do sustainability, communications and public policy intersect in Laura's role? ·      Advice for those seeking B Corp Accreditation ·      B Corp Version 7 ·      What role do you think sustainable transport should play in helping cities to meet their net zero targets?   Resources ·      Forest ·      B Corp Accreditation ·      Carbonology   In this episode, we talk about: [00:30] Episode Summary – Mel is joined by Laura Elms, VP of Sustainability & Corporate Affairs at Forest, to explore how they lead the way in sustainability including insight into their journey towards B Corp Accreditation. [01:10] Who are Forest? Forest is the only shared E-Bike operator to power its entire fleet with 100% renewable energy. It's also one of the world's first micro-mobility companies to have B Corp Accreditation and Verra Validation. [01:40] Who is Laura and how did she get involved with sustainability? Laura admits that she had a rather non-linear approach to getting into sustainability. She started her career shortly after graduating in financial communications and investor relations. Working in her first firm, she worked closely with a women called Caroline who went on to found Forest along with two other co-founders. Caroline reached out to her 2 years after starting Forest and Laura felt it was a no-brainer as she had a pre-existing interest in sustainability, and had come to prefer the start-up space over a more corporate setting. As is typical with the nature of start-ups, Laura wore many hats from the outset as it was a small team of four. Sustainability was what she was most passionate about, and has been the area she nurtured for Forest over the course of her six years working with them. [03:40] Why was B Corp important to Forest from the start? Laura noticed that B Corp was gaining traction back when Forest started in 2020. She was curious about the intersection between B Corp and ESG, particularly from a start-up perspective. When starting at Forest, she knew it would be a significant benefit to utilise renewable energy, but she felt like they needed to go above and beyond that. From there she researched B Corp and the costs involved, which were affordable as it's relative to your revenue, which is a great advantage to start-ups. She was pleased to find that Forest could cover the 5 pillars of B Corp's credentials, not only providing bikes for urban settings but also providing excellent governance and additional benefits to their surrounding community, workers and environment. In short, B Corp helped set the foundations for a good well rounded company that could grow. [05:15] What other Standards do Forest currently hold? Forest currently hold ISO 9001 certification and are looking to implement ISO 14001 in the near future. They currently operate within 18 boroughs in London, and are expanding from one central hub to several more warehouses, which is what will be covered under that ISO 14001 scope. With B Corp as their guiding North Star, they're confident they have all the right foundations in place to grow as needed. [06:10] What does Forest's higher B Corp score of 99 mean in reality? Within B Corp there are 5 pillars: ·      Community ·      Environment ·      Governance ·      Customers ·      Workers Its core focus is sustainability, but its approach is much more holistic and similar to the way ISO's implement a system that encompasses how a business works rather than just a siloed focus on one area. B Corp looks at a multitude if areas, such as: ·      Reducing Scope 1, 2 & 3 emissions ·      Looking at your supply chain ·      Evaluating how your activities interact with your stakeholders To earn a B Corp score, you need to get certain marks and then you're scored across the 5 pillars. Many businesses going for B Corp tend to do well in the sustainability area, but they struggle with other areas such as workers and customers. The framework is designed to be more holistic than simply focusing on sustainability, so If you focus too much in that area, it may come at a detriment to the other pillars. [08:20] How did Forest embed sustainability into a business from day one rather than retrofitting it later? Sustainability was Forest's vision and mission right from the start. Their CEO and Founder had previously worked at a ride-hailing company called Cabify, and had led the Latin American operations there. Cabify was the first mobility company to offset all its emissions, this was prior to 2020 so it was seen as though-leader in the space. This inspired the now CEO of Forest with the concept of 'Human Forest', which was the idea that humans on bikes in a city can save CO2 by choosing bikes over carbon emitting modes of transport. Having it as a core part of the business from the start meant they didn't have to worry about budgeting road-blocks or additional approval. It was simply a part of the brand. Laura can see why retrofitting the same level of sustainability commitment may be difficult for other businesses, as Forest had already baked in the price of renewable energy from the beginning and didn't have to worry about that transition. Forest do differ in that unlike other larger companies that will be showing smoother trajectories towards net zero, they're already there. They face the unique challenge of keeping it there as they grow, as more bikes and available geographical locations means more manufacturing and bigger scope 3 emissions. So their transition to net-zero will overall look a lot less linear. [11:15] How has Forest balanced growth with genuine environmental accountability? Forest have managed to reduce their carbon footprint by 53% year on year, even with their continued growth. Tackling environmental accountability can be something that gets businesses stuck in a rut, especially with any applicable regulations. As Laura quotes, often perfection is the enemy of good. Small incremental changes are better than trying to get it all right first time. In Forest's case, to achieve that 53% reduction they looked at a more creative solution. Rather than manufacturing brand new bikes when needed, they reached out to the wider e-bike market to those that utilised their same manufacturer and asked if they had any spare bikes. This helped to massively bring down emissions that would have otherwise been created making new bikes, by accessing a second-hand market. This can't be done indefinitely, but it's a small action that has created a large impact for that year. Forest have also worked with manufacturers to help switch to using solar energy for the production process, which they are now monitoring to see how much this reduces emissions by.   [13:50] What does tackling Scope 3 look like in urban mobility? Scope 3 for most businesses is their biggest source of emissions, typically accounting for around 80-90% of a businesses total emissions. For Forest this is closer to 100%. They've also noticed that compared to 3 years ago, the emissions are slightly less for things such as production and shipping of bikes. Laura admits that this may not be entirely due to the processes themselves getting more efficient, but as by-product of improving other areas such as technology or use of office spaces to help bring down the businesses overall emissions. At this stage, it's getting the methodology right for scope 3, to ensure their data is as accurate as possible. This includes sending questionnaires to suppliers and making use of technology to improve data gathering and analysis. [15:45] Why did they also attain Verra Validation, and why does third-party validation matter? Laura at the time was looking to ensure the highest level of credibility possible, which started with B Corp, ISO certification and then Verra Validation. Verra was a leader in this space, and dominate the market in terms of carbon offsetting. Forest didn't want to go through the whole process to sell offsets with Verra as it didn't make sense for their business, but they did want the validation as another layer of credibility. [17:45] How do sustainability, communications and public policy intersect in Laura's role?  London, unlike most other major cities, does not have a single unified body, instead you have to negotiate borough by borough. Each one has the option to pick different operators and set their own requirements, which adds an extra layer of difficulty on top of existing sustainability regulations. Forest provided the perfect solution for various London boroughs who sought to reduce their overall carbon emissions. [19:05] Laura's advice to organisations seeking B Corp Accreditation: Get in contact with B Corp itself. They done a lot to improve their platform, and there's a lot you can do via the portal without their assistance. However, B Corp and their team at B Lab can give you more insight and context for the data they're looking for. She also recommends that you incorporate B Corp as early on as you can as it helps to set a solid business foundation. Laura also recommends going beyond the B Corp portal after certification to reach out to the wider B Lab community, as there are a lot of fantastic brands to connect with. B Corp will often host in-person networking meetings where certified businesses can catch-up, review progress and share new ideas. [20:40] B Corp Version 7: B Corp have recently released (as of podcast publication) a new version of their requirements, raising standards once again. One of the new requirements includes verification of an organisations' emissions, which includes products. Forest only just received their B Corp re-authentication in December 2025, and their next focus is obtaining ISO 14001 for their new warehouses. However, they do intend to stay B Corp accredited, so will likely look at meeting version 7 requirements following that. [21:45] What role do you think sustainable transport should play in helping cities to meet their net zero targets?: Transport makes up a third of UK emissions. Getting people onto more bikes and being more active will result in a significant reduction in emissions for our cities. When Forest asked their users: what would you otherwise have done in terms of transport if you didn't get on one of our bikes, 11% said that they would have gone in a car or a taxi. So an 11% modal shift, which is pretty significant! This doesn't account for private bike owners either. For cities, there's a big push to get HGVs off the road and to retrofit spaces to accommodate for more cycle traffic. It's a lot to consider and will require a lot of work, but with transport making up a third of total UK emissions, it's worth the effort for the benefits it will bring. If you'd like to find out more about Forest and follow along with their journey, check out the Linkedin page.   We'd love to hear your views and comments about the ISO Show, here's how: ●     Share the ISO Show on Twitter or Linkedin ●     Leave an honest review on iTunes or Soundcloud. Your ratings and reviews really help and we read each one. Subscribe to keep up-to-date with our latest episodes: Stitcher | Spotify | YouTube |iTunes | Soundcloud | Mailing List

East West Manufacturing is a design, manufacturing, and supply chain solutions company. Their CEO and Co-Founder Scott Ellyson joined CMO to discuss changing supply chains, tariffs, and the Canadian manufacturing industry.

Cracked Racquets provides coverage of pro, college and junior tennis like nobody else in the industry. Their CEO and founder Dalton Thieneman joins the podcast to explain how the company was created, and in less than a decade became a destination for fans of the game. Thieneman explains the company's approach to broadcasting, and dives into their revolutionary "CrossCourt Cast" that enhances and expands college match broadcasts like never before. The CEO shares his own personal story as well, which features a day job as a lobbyist in the state of Indiana. Cracked Racquets features several successful podcasts, partnerships with ESPN and the Intercollegiate Tennis Association, and has added pickleball and volleyball broadcasts to their catalog. Listen to Dalton Thieneman, the man behind the media juggernaut. Hosted by Mitch Michals. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most new account executives stare at their territory list and feel the weight of it immediately. Fifty accounts. A hundred accounts. Sometimes more. Each one needs research, a plan, and outreach that doesn't sound like every other cold email clogging their prospect's inbox.  Jake McOsker, an account executive at Forrester Research, found himself facing exactly this problem when he moved from BDR to AE. He cracked it by changing how he used AI for account planning.  "Rather than taking 10 to 15 minutes to get an account plan out or understand who the notable stakeholders and the decision makers that I need to go with," he explained, "it's a 2 to 3 minute process to go through each one of these accounts." The traditional approach to AI account planning doesn't solve the territory problem. You ask ChatGPT or Claude for company information, and you get Wikipedia summaries. Founded in 1987. Headquartered in Dallas. 15,000 employees. The chief sales officer you're calling doesn't care about any of that, and showing up with generic facts makes you look lazy, not prepared. When you're new to the role, you don't have years of pattern recognition to fall back on. You don't know what good account planning looks like yet. You just know you need to get meetings with people who have better things to do than talk to a rep they've never heard of. The solution isn't using AI as a search engine. It's using it as a sales assistant with a specific job to do. The Problem With How Most Reps Use AI for Account Planning Here's what usually happens. A rep needs to prepare for a call with a VP of Marketing at a healthcare company. They open their AI tool of choice and type: "Tell me about [Company Name]." The AI spits back: Company history Product offerings Recent press releases Maybe some executive names The rep skims it, copies a few bullet points into their CRM, and calls it account planning. Then they get on the call and realize they have no idea what this VP is actually trying to accomplish this quarter. They ask surface-level questions. The prospect checks out. The meeting goes nowhere. This happens because most reps are using AI like a faster Google. They're asking for information instead of asking for intelligence. AI account planning only works when you give the AI a role and a specific outcome to deliver. Not "tell me about this company." Instead, "You're an account executive trying to book a meeting with this company's CMO in the next two weeks. Based on their recent announcements and what their executives are posting on LinkedIn, what initiatives are they likely prioritizing right now?" How to Set Up AI Agents for Account Planning The difference between a basic AI chat and an AI agent is memory and context. When you create an agent, you're teaching it what kind of output you need every single time. You're not starting from scratch with every account. Here's the framework that works: Step 1: Give Your AI Agent a Clear Role Don't just ask questions. Set up the scenario with urgency and context. For example: "You are an account executive at [Your Company]. You've been tasked with bringing in [Target Company] as a new customer within the next 90 days. Your first call is with their [specific role, like Chief Sales Officer]. Based on the materials I'm providing, what are the top three business initiatives this person is likely focused on right now?" This does two things. First, it forces the AI to think from your perspective instead of just summarizing data. Second, it prioritizes current, actionable information over historical background. Step 2: Feed It the Right Source Material Wikipedia summaries don't help you. But these sources do: Recent press releases about new initiatives or leadership changes LinkedIn posts from executives at the company (especially the person you're calling) Company blog posts about their strategic direction Industry news articles mentioning the company Their "About Us" or "Newsroom" page for current priorities Analyst reports or industry trend pieces relevant to their sector If you're selling to publicly traded companies, earnings call transcripts and annual reports (10-Ks) are gold mines. But most new AEs aren't calling on Fortune 500 companies. The good news is that smaller companies often share more on LinkedIn and their blogs because they're trying to build their brand. Upload PDFs or paste content directly into your AI tool. Then let it analyze the content through the lens of the role you gave it. The output will focus on strategic priorities, not corporate history. Step 3: Ask Follow-Up Questions Based on Persona If you're calling into marketing, tech, security, or customer experience, the priorities are different. Your AI agent should help you understand how company-wide initiatives affect the specific person you're talking to. After the initial analysis, ask: "How would these initiatives specifically impact the VP of Marketing's goals this quarter?" Now you have talking points that matter to the person on the other end of the call. Step 4: Validate With Human Intelligence AI gets you 80% of the way there in three minutes instead of fifteen. But you still need to cross-check. Look at LinkedIn. Check recent news. If you have access to account managers or customer success reps who work with similar companies, ask them if the trends you're seeing match reality. AI account planning is a tool, not a replacement for critical thinking. If the output feels off, it probably is. Trust your gut and adjust. How to Turn Research Into Value Messages The goal of account planning isn't to memorize facts about a company. It's to walk into a conversation with an informed hypothesis about what they're trying to accomplish. When you do this right, your opening changes. Instead of starting cold with "Tell me about your role," you can say: "I saw your CEO recently posted about accelerating your digital customer experience, and I'm assuming that's putting some pressure on your team to modernize how you're approaching customer engagement. But I could be completely wrong. What's actually taking up most of your time right now?" Here's how you've impacted your prospect: First, it proves you did real research. Second, it gives the prospect something specific to react to instead of making them explain their entire world from scratch. Third, and this is critical, it still leaves room for discovery. You're not skipping the "What are your biggest challenges?" question. You're earning the right to ask them by showing you've already thought about their business. When prospects talk about their challenges in their own language, you learn how they frame problems, what matters to them, and where your solution might actually fit. Even if your hypothesis is wrong, you've separated yourself from the 90% of reps who show up with nothing. And when you're right, you skip past the surface-level conversation and get straight into the dialogue that matters. That's how you earn credibility as a new account executive, even when you don't have ten years of experience to lean on. Building a Repeatable AI Account Planning Workflow This only scales if you systematize it. You can't rely on remembering the perfect prompt every time or recreating your process from scratch for every account. Create separate agents for different use cases. One for account planning. One for prospecting outreach. One for call preparation. Train each agent for the output you need so you aren't constantly course-correcting. Save your account plans in a central location. The information changes, so plan to refresh your research quarterly. What mattered in Q2 might not matter in Q4, and your account planning needs to reflect that. The key is building a system that you can repeat across your entire territory without burning out. Two to three minutes per account. Not fifteen. Not thirty. That's how you research 50 accounts in a week instead of just five. What This Actually Looks Like in Practice Let's say you're targeting a mid-market software company. You start by checking their LinkedIn. The CEO posted last week about expanding into healthcare verticals. You pull up their blog and find three recent posts about compliance challenges in healthcare tech. You upload screenshots or copy the text into your AI agent and give it the prompt: "You're an AE trying to close this software company in 90 days. The first meeting is with their Chief Revenue Officer. What are the top three priorities they're likely focused on, and how do those connect to the company's broader goals?" The AI analyzes the content and tells you: They're investing heavily in healthcare vertical expansion, but facing longer sales cycles due to compliance requirements They're dealing with the need to build credibility fast in a regulated industry Their CEO has committed to proving ROI in healthcare within two quarters Now you have a hypothesis. The CRO is probably under pressure to close healthcare deals faster while managing a team that doesn't have deep healthcare expertise. That's your angle. You cross-check this with LinkedIn and see that the CRO has been engaging with posts about sales enablement in complex verticals. You look at recent news and find they just hired a VP of Healthcare Sales. Everything lines up. Your outreach message writes itself. You're not pitching. You're acknowledging what they're working on and offering a perspective on how companies in similar situations have approached the same problem. What to Do After the Meeting Your AI workflow doesn't end when the call does. This is where most reps leave value on the table. After your meeting, take the transcript from your call recording tool (Fathom, Gong, Chorus, whatever you use) and upload it to your AI agent. Then ask specific questions:

What else would you expect from this locally based fast food phenom? Their CEO is Heather Neary joined Vineeta on The WCCO Morning News with the details.

What else would you expect from this locally based fast food phenom? Their CEO is Heather Neary joined Vineeta on The WCCO Morning News with the details.

In this episode, inspired by a newsletter from David C. Baker, Chip and Gini discuss the authentic motivations and realities behind agency mission statements and values. They emphasize that many agencies publish values that are either not reflective of their true operations or are overly broad and similar to others. The hosts stress the importance of being honest about the core purpose of a business and aligning public statements with actual behavior. They argue that values should stem from the owner’s true beliefs and actions rather than aspirational ideals. They also caution against spending too much time wordsmithing values for marketing purposes, as clients are more interested in results. The conversation touches on the impact of leadership behavior on agency culture and the pitfalls of misrepresenting agency values. Key takeaways Chip Griffin: “The reality is for most agency owners, your mission is to make money for yourself as the owner, to give yourself flexibility to do what you want, when you want. And all of the other things are side benefits of it. You are not running a not-for-profit.” Gini Dietrich: “It’s okay for you to make money. It’s okay for you to be profitable.” Chip Griffin: “Your values are not something that you establish. They’re something that come from your behavior and the behavior of your team and the activities and the clients that you take on.” Gini Dietrich: “You can’t say it because that’s what you want or that’s what you aspire to. You have to be living it.” Resources David C. Baker’s article We're Better than this Value Washing Related Be an agency leader that people want to work for View Transcript The following is a computer-generated transcript. Please listen to the audio to confirm accuracy. Chip Griffin: Hello and welcome to the Agency Leadership Podcast. I’m Chip Griffin. Gini Dietrich: And I’m Gini Dietrich. Chip Griffin: And, you know, I wanna talk about the, the mission of this podcast and Okay. What we’re trying to achieve. Gini Dietrich: Okay. Our values, talk about values Chip Griffin: and all of the values that I hold, hold dear that I’m sure you do as well. Mm-hmm. That, that we want to embrace. Mm-hmm. As podcast hosts and purely doing this entirely out of the goodness of our hearts for our community, there’s no marketing benefit to us. There’s no thought leadership benefit. It’s all about you, the listener, and how much free stuff we can give you. Gini Dietrich: I mean, some of it is, but yes, we do get value from it. Chip Griffin: I mean the, the reality is I probably would just come on and talk anyway, even if I wasn’t doing what I’m doing for a business. ’cause it’s just fun. Gini Dietrich: It’s fun. I agree. Chip Griffin: But the reality is, I mean, you, you gotta have some real motivation behind it and it, and for this podcast, it’s marketing our respective brands, both personal and business, and sharing our insights. Gini Dietrich: Yes. Chip Griffin: As an agency you also have mission, values, and purpose. Gini Dietrich: Mm-hmm. Chip Griffin: But I can pretty much guarantee you that it’s not aligned with what you’re publishing and sharing with prospects, putting on your website, including in your proposals and all this kind of stuff. And this, this discussion is inspired by an article in David c Baker’s newsletter where he talked about value washing and, and he touched on a, a bit of this, you know, agencies and, and how they present their values. But I want to go further than that because I’m particularly cantankerous today. And I just, I, I kind of get sick to my stomach when I see these, you know, missions and value statements and all that kind of stuff that agencies just love to put out there. Because the reality is for most agency owners, your mission is to make money for yourself as the owner, to give yourself flexibility to do what you want, when you want, from a time commitment standpoint. And all of the other things are side benefits of it. You are not running a not-for-profit. Unless you are a nepo baby with a trust fund, you’re not sitting there purely doing good for others. You have to do good for yourself too. But I gotta tell you, I have yet to see a mission statement for an agency that says anything about that. Gini Dietrich: I’ll share mine ’cause it does. Chip Griffin: Do you publish it publicly though? Gini Dietrich: No, I was gonna say now it’s not public, it’s not on the website, but like internally, everybody, especially on the leadership team, they know exactly what we’re driving toward. They know exactly, and it is not, I mean sure like ethical PR and cri, like doing good from a reputation standpoint and those things for sure. But our mission is to become the best and biggest consulting firm that implements PESO. Well, truth be told, the only one, ’cause nobody else can do it, right? Because we own the copyright. But that, that is our mission. Like that’s what we’re working to achieve. And so, and, and we wanna work with the best and the brightest organizations in the world to do that. That’s our mission. Is it published on our website? Absolutely not. Do our, does our internal team know? Yes. Chip Griffin: Yeah. I mean, look, I, I think the problem is that we need to start by being honest with ourselves as agency leaders about why we exist and what we’re doing. And it’s fine to want to do some of the nice stuff as part of it. Gini Dietrich: Absolutely. Yes. Chip Griffin: But, but it has to start with an acknowledgement of what the core purpose of the business is. And when you start pretending that it’s that that’s not what it is, that’s where I start to have an issue. And then we start looking at what’s actually said publicly by most agencies about their mission and purpose and all of that. And most of it is so broad, so vanilla, so similar to what everybody else is saying, that it, it’s, it doesn’t really serve a purpose. And I know I’ve, I’ve been part of, of agency conversations where there are, are deep, thoughtful, ongoing conversations about mission, values and purpose. Why? Why? And none of that means that you shouldn’t, you shouldn’t have, you know, a general ambition, an ethical framework, all of those kinds of things. Sure. Yes. But you don’t need to burn a lot of time on it. Gini Dietrich: No. Chip Griffin: And you don’t need to work on wordsmithing it to share with prospects, because I’m gonna let you in on a little secret, your prospects don’t care. Gini Dietrich: They don’t care. Chip Griffin: They are not hiring you because of all of these things that you say, they, they don’t really care. They care about the results you’re getting and how much it costs them. Gini Dietrich: That’s right. Chip Griffin: That’s the only two things they care about. Gini Dietrich: Yes. I just had this very conversation Chip Griffin: and as side benefit that you’re decent to work with. Gini Dietrich: Sure. Of course. That they like that you have chemistry and they like working with you. Yeah. Like they wanna show up, be able to show up to meetings with you and humans like other humans, you know? Right, right. I just had this very conversation with a client because she was stressing about her clients and some changes, and I was like, listen, they don’t care. They don’t care. As long as the work gets done, they’re still getting the same results or better. They don’t care. So. Let’s, I, I understand you’re worried about it. I understand you’re stress, but let’s put that stress somewhere else because this bucket, they don’t care about. As long as you communicate it, the work still gets done. They’re still getting the results that they expect. You’re fine. Let’s put the stress somewhere else. So, as an aside, but I agree with you, like, most of us go into business for ourselves because we know there’s a better way to do it and we wanna make more money. And for me, I have a problem with authority. So. And there may be others that, that feel that as well. Chip Griffin: I think, I think a lot of, of business owners and entrepreneurs are unemployable for that very reason. Gini Dietrich: Correct. Yes. So that that’s why we own businesses and there’s nothing wrong with that. For now, we live in a capitalist country where you can actually make money and it’s okay. It’s okay for you to make money. It’s okay for you to be profitable. It’s okay. Chip Griffin: And, and I mean, profit itself is not a dirty word. Gini Dietrich: No, it’s a great word. I love it. Chip Griffin: There’s a fair argument to be had about is there, is there a point where the profit is too much? Where the compensation is too much? That it, it, it’s a, it’s a worthy debate to have at some point, but I can guarantee you that 99.999999999% of small agency owners don’t need to worry about that. Gini Dietrich: And don’t have enough profit, Chip Griffin: probably a hundred percent, but I’m just being holding open the possibility that there’s just some small agency out there that you know is, is really just rolling in it. Gini Dietrich: And I will add that you probably 99.9999999999% of agencies don’t make enough profit. 5% profit is not enough. Break even is not enough. 10% is not enough. Chip Griffin: Well, particularly when that profit doesn’t even include the owner’s compensation. But that’s an argument that, Gini Dietrich: right. Chip Griffin: That we’ve had ad nauseum on, on this show and that I have ad nauseum with clients as well who, who like to count the profit while paying themselves zero zero. Right. And your profit margin, that does not count. That does not count. But I mean, you know, I, I think we also need to be mindful of the fact that a lot of the, the missions, values, and purpose kind of things that I see out there do not conform to how the agency even operates. So not only are you starting from a point where you’re not acknowledging what your real objectives are, but what you do say may not reflect the reality. And it’s this, this goes along with, you know, when I get asked by agency owners, you know, how do I create an agency culture of X, Y, or Z? What do I need to do to establish this culture? And, and my first piece of advice is always, well, that’s what you need to do first, right? You need to actually be echoing what you’re saying. You need, it needs to reflect what you’re doing, how you behave personally, and that establishes the culture. You don’t say that we have a culture of X, Y, or Z. You don’t say that we have these values and then assume that they just, you know, take root. Your values come about because of what you and your team are actually currently doing internally and externally. Right. It needs to reflect what it is. You can say you want to change it for the future, but it should never be, your value statement should never be an ambition. It should be an accurate reflection of what the reality is. And if you don’t like that reflection of reality, Gini Dietrich: right, then you have to make, Chip Griffin: figure out what you need to change. Gini Dietrich: Right, right. I’m sure I’ve told this story before, but I… As I mentioned, I have a problem with authority and sometimes that includes clients, not often, but occasionally. And we had a client who we loved their marketing team. We loved their chief marketing officer. She’s great. She and I are still friends. She actually lives down the street. Their CEO though was not a good guy. And I remember him coming to a meeting with us unexpected. He, he was not expected to be there, and he shows up to this meeting because he’s mad that the website copy doesn’t reflect the culture that he wants. And I had this conversation with him about it. He’s like, well, I want to like demonstrate that we do rooftops for Cubs games on Friday afternoons and we have a beer cart and like all of these things. And I was like, but do you do that? And he’s like, well, no, I expect them to work 12 hours a day. We don’t do that. And I was like, well, we can’t say that and then not have you with that. And he, I, we actually ended up parting ways with that client be because of this. Because he would not, I mean, he got very aggressive and unprofessional with me about it, but I wouldn’t step down either because I was like, no, like you can’t, you can’t say. And he kept saying, but then we’ll get the brightest and the best that come in and wanna work here. And I was like, yeah. And then they’ll leave because all the things you promised them aren’t true. And he just, we, he and I could not, and we were butting heads big time. But I think you’re right. Like you can’t. You have to live the culture that you want to demonstrate, that you wanna talk about, that you wanna publicly put on your website before you can actually do those things. And if you, you’re absolutely right too, that if, if you want to have a culture where you do rooftops for Cubs games every Friday afternoon or when they’re in town, or you have a beer cart or wherever it happens to be, great. Do those things first and then you can start to talk about it. Chip Griffin: And, and I would also, I would go so far as to say that in a lot of agencies when I look at their published list of values or whatever, that a lot of times, not all the time, but a lot of times those are actually some of their biggest weaknesses. So when I see an agency that talks about how they value their team members, to your point, there’s a better than even chance that they’ve got some team morale issues. And they’re trying to spin it for themselves and make them feel like, you know, we, we are actually valuing it, but they’re not doing the things that they need to do in order to actually achieve that. Gini Dietrich: Right. Chip Griffin: Another pet peeve of mine and, and all, I, I would say this one is more often than not, when I see an agency’s website talk about the importance of ethics, that is almost always a red flag for me. Because I think the vast majority of the time that I’ve seen anything about ethical behavior, there’s a, a really, really strong chance that there is some variety of unethical behavior taking place. Gini Dietrich: I agree. Yes, I agree with you. Chip Griffin: And it’s definitely in the category of me thinks you doth protest too much. Gini Dietrich: Correct. Yes. I absolutely think you’re right. Yeah. I have a theory about that, which I will not share here, but yes, I agree with you. That’s, that is definitely what’s happening. Yeah. It’s kind of like when you read job descriptions and it says things like, energetic employee candidates that don’t mind long hours. Like, you know, and you start to read between the lines where it’s like, we want 22 year olds who we can’t afford to pay and we expect to work 12 hours a day. And like, those are the things to read between the lines. Right? Yeah. Those are the kinds of things that you, that I, I think people are getting really smart too in these days where, especially Gen Z, they’re like, yeah, I’m, I’m not putting up with that. I understand what you’re trying to say. And so I, I think, you know, just when, and we’re from my perspective as a communicator and I from, that’s the lens I look at things like if you’re going to communicate something, you have to absolutely live it. You can’t say it because that’s what you want or that’s what you aspire to. You have to be living it. Chip Griffin: And you’ve just given me a great idea for a future episode, it would be fun to just take a blind list of job descriptions, job listings. Gini Dietrich: Oh, we should totally do that. Chip Griffin: in the agency world and, and translate for people what what is actually being said there, because it’s sort of like real estate listings. You know, when it, when it says cozy, it means super tiny. Gini Dietrich: Right? Chip Griffin: When it says lots of potential, it means it would fail every code inspection possible. And, and there are a lot of those kinds of things that I do see in agency job descriptions that, that immediately tell you, this is a sweatshop. Yep. You, you are, this is gonna be a miserable place, or Gini Dietrich: we really don’t value our employees. Chip Griffin: Right. Or, or, you know, your role here is to sit down, shut up, and do exactly what you’re told. Yep. And there are a lot of things in job descriptions that often make it pretty clear what’s really going on. And it’s usually because they ran some past employee into the ground and they said, well, the way we’re gonna solve this is we’re just gonna tell them what they need to do upfront. And they don’t ever look in the mirror to see if their management style, if their behavior as, as leaders, as owners, as whatever contributed to it. And so, your values are not something that you establish. They’re something that, that come from your behavior and the behavior of your team and the activities and the clients that you take on, right? And, and you can’t be putting things out there that don’t reflect reality because people figure it out and it just makes it worse. So if you say that, you know, you’re looking for a diverse workforce and you don’t actually have one, that’s a problem. And I think David C. Baker specifically, I forget whether it was the same newsletter or a different one, where he singled out agencies that talk about a diverse workforce, but then you look and they, they have diversity in some ways, but not others. Gini Dietrich: It’s all, it’s all white young women. Chip Griffin: They all think alike. And, and, and that’s not, that’s not what you are actually, you, you’re saying something that doesn’t reflect reality. And so you need to understand why that is and whether perhaps you should make a different claim. Perhaps it’s not something that you want to actually make a claim about anymore. Perhaps you need to change your behavior so that it, you know, more closely mirrors it what there are things that you need to do. But the, the bottom line for me is just that so much of this is rubbish out there and so much of it doesn’t reflect reality. And so much of it is a wish that is, is not rooted in what is actually going on. And if we do not understand what our actual mission, values, and purpose are as a business, we have no business making public claims that don’t back that up. Gini Dietrich: Right. Absolutely. And I think that you, you started to make this point, but I think it’s incredibly important for us as agency owners to understand that the values are derived from us personally, because we are the ones who are driving all of that. So if you are, if you are living things that you believe are important, that’s going to come across whether or not you put it in writing, right? So. I think that’s, I think it’s really important for us to remember that. And if your values, if you’re trying to create a value for the agency that you may not mirror or don’t agree with, it’s not gonna work. It’s just not going to work. So really understand that until you get to a certain size, and I would say it’s big, like it’s not 20 employees. It’s big lots and lots and lots of employees. Your values are derived from you personally. And that’s what you have. If you’re going to be thinking about this and you’re going to be publishing values and you’re going to say to your team, these are our values, really look inward to understand what your values are and what you stand for, because that’s what’s going to drive the, the business as well. Chip Griffin: And again, it’s what you actually stand for, not what you wish or hope, Gini Dietrich: right. Chip Griffin: That you stood for. Gini Dietrich: Right. Chip Griffin: And, and I think that’s where we often get lost. Because we wanna sit down and we wanna put down a list of values of, of things that we aspire to. But that is very different from what, what we’re actually doing now in most cases. Yep. There, there are times where we’ve already reached all our aspirations. Fine. Okay. If, if that’s you, kudos to you. You’re not, you don’t need to listen anymore of this episode. If you are like most of us, where you have aspirations that are beyond where you are at today, you need to understand where you’re at today first. Yes. And you need to acknowledge that and work from that basis. And, and to your point, it all does start with the owner. Yep. I would say. Even in the largest independently owned agencies. So we’ll take the holding companies out of it, but Yep. But if you found the largest independently owned, no matter how many hundreds of employees they may have, it still is derived from the owner themselves. And the reason for that is because what you model for your behavior, your direct reports will then model to their direct reports. That’s right. And so on. That’s right. And so if you are a micromanager, there’s a better than even chance that your own managers are gonna be micromanagers because it’s what they see. It’s what they believe is expected of them. Yep. And particularly in the agency world, in the small agency world where most managers don’t have any real experience before their current management role that you’ve given them, they will absolutely mirror your behavior. So if you yell at them, they’ll yell at their team members. If you’re inspiring, they’re more likely to be inspiring. Yep. You’ve got to be looking in the mirror more often and, and understanding that and not putting out all of this stuff that just, you know, reads like traditional marketing speak about your own business. Because nobody cares at all, but nobody cares, particularly if it’s not accurate. Gini Dietrich: You know what I will challenge everyone to do and it won’t take you very long, but take all of the URLs for the websites of the agencies that you admire and, and then your own, and throw them into AI, your AI tool choice, and ask it to create a chart of what the values are. And what they, what, which, what, what each agency says they deliver. And have the AI create a chart so you can see side by side comparisons. And I will guarantee you, to your point Chip, it’ll guarantee you that nobody is different. You can take that then and go, oh, geez, okay, now we get, we have some work to do, but really let’s not focus on our values, our mission, and our our vision statements for the website. Let’s focus on our true differentiators. it’s not results driven and ethical. And yes, because those things, we all do those things. What makes you truly different? Chip Griffin: Yeah. And, and they’ll all tell you by the way that their teams are their differentiator. Yes. Because that’s Gini Dietrich: mm-hmm. Chip Griffin: Every agency loves to say that, but. It’s not possible. Gini Dietrich: Results driven. Team. Yep. Our people. Yep. They all our team. Yep. That, that’s exactly what they’ll all say. Chip Griffin: Our, it’s all about our people. Gini Dietrich: Okay. Do the work I wanna see. And then sending your results. Chip Griffin: Please do. And maybe, maybe then we could have an episode where we walk through some of that and find out that they’re all exactly the same. Gini Dietrich: They’re all exactly the same Chip Griffin: that everybody has submitted to us. Gini Dietrich: Yeah. Chip Griffin: But yeah, in any case, I think that’s probably enough beating up on people today. We do this a lot now, maybe we need to be a little bit, we do, yeah. Kinder and gentler to the agency community. Gini Dietrich: It’s okay, Chip Griffin: but you know some someone’s gotta speak truth to it. Gini Dietrich: That’s right. Chip Griffin: And that’s what we do. So on that note, we’ll wrap this episode up. I’m Chip Griffin. Gini Dietrich: I’m Gini Dietrich. Chip Griffin: And it depends.

Sara Eisen, Carl Quintanilla, and David Faber kicked off the hour with another day of key pullouts from the morning's earnings calls when it comes to consumer and retail trends - before AT&T CEO John Stankey joined the team to breakdown their quarter... and a Netflix analyst gave his take on new numbers from the streaming giant. Plus: the meme trade reviving shares of Beyond Meat & Krispy Kreme - the team asked SEC Chair Paul Atkins about the move, along with what's next when it comes to regulation ahead for quarterly reports, crypto, and more.  Also in focus: another day, another AI deal - today from Applied Digital for a new $5B AI factory lease over the next 15 years. Their CEO joined the broadcast at Post 9 to discuss the news - and whether we're building too many data centers here in the U.S.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this relaunch of the podcast, Ken Bator introduces a new partnership for Bator Training & Consulting: Break Ice Marketing. Their CEO and Founder, Heather Dowell, joins Ken or a discussion on how marketing is an important piece of the whole B+C+S Formula.Learn more about Bator Training & Consulting as well as Break Ice Marketing at https://www.btcinc.net/marketing or contact Ken directly at kbator@btcinc.net.

Depaul this morning launches its 2024 Impact report highlighting the almost 10,000 people it helped last year among 50,000 interventions. Their CEO, David Carroll highlights the figures and what needs to be done to improve the current situation.

Send us a textLinking the Travel Industry is a business travel podcast where we review the top travel industry stories that are posted on LinkedIn by LinkedIn members.  We curate the top posts and discuss with them with travel industry veterans in a live session with audience members.  You can join the live recording session by visiting BusinessTravel360.comYour Hosts are Riaan van Schoor, Ann Cederhall and Aash ShravahStories covered on this session include -As part of a restructure, JetBlue stops serving Miami.Qatar Airways receives plenty of praise for the way in which it handled the airspace closure incident, with thousands of passengers affected. Their CEO posted an open letter about the event.Barcelona's airport receives a $3.7b fund to expand, despite a local community heavily opposed to "overtourism".The yearly business and TravelTech Show in London concludes, with no major announcements.At the North American Open Source Summit held this week, Google announced they will be donating their Agent2Agent protocol to The Linux Foundation. This has huge implications for travel according to the OpenTravel Alliance.UK hotel chain Travelodge Hotels Limited partners with Katanox to improve their bookability amongst TMCs.SAS - Scandinavian Airlines returns to India after 17 years, with a Copenhagen - Mumbai flight planned from June.....next year.Extra Stories & Space News! You can subscribe to this podcast by searching 'BusinessTravel360' on your favorite podcast player or visiting BusinessTravel360.comThis podcast was created, edited and distributed by BusinessTravel360.  Be sure to sign up for regular updates at BusinessTravel360.com - Enjoy!Support the show

Welcome to this bonus episode about Homeless Children's Network (HCN). Malik Parker is the director of the Jabali Substance Use Disorder (SUD) program at HCN. He is originally from Fayetteville, North Carolina, but his mom is from Oakland. He left NC for The Bay the day after he graduated high school in 2011. Cameron Smith is HCN's director of Afrocentric programs. He is from Columbus, Ohio, but has been in SF for more than 10 years now. Cameron came here on a whim; he had a friend who needed a roommate. His first job in The Bay was in San Jose at the YMCA as a basketball ref. He knew then that he wanted to serve, to give back. Cameron shares the origin story of Homeless Children's Network. HCN was founded in 1992 with the intent to serve as a connection between six different shelters in The City. Their CEO today, Dr. April Silas, has been with HCN since the beginning. The idea was that folks experiencing homelessness were transitory, and it would be best if services they received in one shelter followed them. Nowadays, they serve more than 2,500 clients per year. They have around 60 partnerships with other service organizations in The City. Please visit the HCN website for more info. They are currently in the middle of their Jabali awareness campaign, a partnership with the San Francisco Department of Public Health that provides services around the fentanyl crisis. Cameron points to the Black population in The City being about 4–5 percent of the total, while Black folks experiencing fentanyl overdose deaths range from 30 to 40 percent of the overall number in SF. The Jabali campaign aims to bring awareness to treatment as well as warning folks of the dangers of the deadly drug. HCN runs ads on social media and YouTube as well as billboards around town. They aim through these ad campaigns to be as ubiquitous as, say, a Sweet James or Ann Phuong. The goal is to make folks aware of HCN and its services before they might realize they need it. A big part of Malik's job also involves meeting people where they are, bringing those same messages as HCN's ads. He says that this aspect of his role with HCN is perhaps the most rewarding for him. Malik has learned a lot in his time with HCN, including in their work with SFDPH. He's uncovered his own biases, which is part of what he works so hard to help others see. He emphasizes for folks the “us” aspect of it all. He says he relishes the give-and-take of seminars, the things he hears people say to one another. When I mention the United Playaz motto, “It takes the hood to save the hood,” we go on a bit of a sidebar about communities looking internally to solve their own issues. HCN has workforce development programs, and I ask whether anyone who's been through their programs has come back to work with them. That has indeed happened. Then our conversation shifts to ways that The City has adopted a “tough on crime” approach in the last couple of years to several areas that HCN deals with (see the recall of Chesa Boudin and shift rightward of our Board of Supervisors, among other signs). No one in the room the day we recorded agrees with that approach. We end this bonus episode with ways that you can get involved with HCN, whether it's donating, volunteering, attending a seminar, or something else. Please visit HCN's website to learn more. Follow them on social media @hcnkidssf. We recorded this episode at Homeless Children's Network offices in The Fillmore in March 2025. Photography by Jeff Hunt

Scale Link is a really cool CDFI that offers a secondary market for small business microloans and trading platform. Their CEO, Jonathan Brereton, stopped by the show to have a chat...and y'all know what a fan we are of CDFI's on Main St. Banking. Love meeting other true believers out there!!! Be sure to check out Scale Link at https://scalelink.org/ And many thanks to ICBA Securities for their sponsorship!

I was going to talk about corneas. Just a nice, focused anatomy deep dive. But then I found out UnitedHealthcare's stock is down 20% and—what can I say? I got distracted by joy. So before we dig into layers of corneal meat (yes, I said that), we take a little detour into vertical integration, kickbacks, AI claim denials, and how a multi-billion-dollar behemoth is finally catching a whiff of accountability. Then it's back to business: corneal nerves, LASIK, ulcers, transplant techniques, the great “your corneas are too thin” letdown, and why you should stop sleeping in your contact lenses. Also, I may have created a dating strategy that involves casually name-dropping Descemet's membrane. You're welcome. Takeaways: UnitedHealth Took a Hit—And I Took a Victory Lap. Their CEO is stepping down. Their stock is down. Their karma might finally be catching up. I am… not sad. Your Cornea Is Clear for a Reason—Until It's Not. It doesn't have blood vessels. It doesn't heal like skin. And when it gets cloudy, things get gross, fast. LASIK Isn't for Everyone. Here's Why Your Eye Got Rejected. If you've ever been told your cornea is “too thin,” I'm here to explain why—and yes, it's as mathy as it sounds. Yes, I Called It ‘Corneal Meat.' No, I'm Not Sorry. It's the stroma. It's thick. It's important. And now you're never going to un-hear that phrase. Please Stop Sleeping in Your Contacts. I'm Begging. Because you like seeing. And because I don't want to have to dig bacteria out of your eyeball. — To Get Tickets to Wife & Death: You can visit Glaucomflecken.com/live  We want to hear YOUR stories (and medical puns)! Shoot us an email and say hi! knockknockhi@human-content.com Can't get enough of us? Shucks. You can support the show on Patreon for early episode access, exclusive bonus shows, livestream hangouts, and much more! –⁠⁠⁠⁠ http://www.patreon.com/glaucomflecken⁠⁠⁠⁠  Also, be sure to check out the newsletter: https://glaucomflecken.com/glauc-to-me/ If you are interested in buying a book from one of our guests, check them all out here: https://www.amazon.com/shop/dr.glaucomflecken If you want more information on models I use: Anatomy Warehouse provides for the best, crafting custom anatomical products, medical simulation kits and presentation models that create a lasting educational impact.  For more information go to Anatomy Warehouse DOT com. Link: https://anatomywarehouse.com/?aff=14 Plus for 15% off use code: Glaucomflecken15 -- A friendly reminder from the G's and Tarsus: If you want to learn more about Demodex Blepharitis, making an appointment with your eye doctor for an eyelid exam can help you know for sure. Visit ⁠⁠⁠⁠http://www.EyelidCheck.com⁠⁠⁠⁠ for more information.  Today's episode is brought to you by DAX Copilot from Microsoft. DAX Copilot is your AI assistant for automating clinical documentation and workflows helping you be more efficient and reduce the administrative burdens that cause us to feel overwhelmed and burnt out. To learn more about how DAX Copilot can help improve healthcare experiences for both you and your patients visit ⁠⁠⁠⁠aka.ms/knockknockhi⁠⁠⁠⁠. To learn more about Pearson Ravitz go to ⁠⁠⁠http://www.pearsonravitz.com/knockknock⁠⁠⁠. Produced by⁠⁠⁠⁠ Human Content Learn more about your ad choices. Visit megaphone.fm/adchoices

The Dublin-based biotech company Nuritas, which uses AI to identify supplements and new drugs by developing bioactive peptides, is changing the pharmaceutical industry.Their CEO, Nora Khaldi joins Kieran in Boston to discuss.

“AI can accelerate everything, but if you don't have a clear strategy and alignment across leadership, you're just scaling inefficiency faster. Before you invest in tools or systems, you need to know why they matter, how you'll measure impact, and whether your organization is built to move fast enough to see results.” That's a quote from Mark Goloboy and a sneak peek at today's episode.Welcome to Revenue Boost, A Marketing Podcast. I'm your host, Kerry Curran—revenue growth expert, industry analyst, and relentless advocate for turning marketing into a revenue engine. Each episode, we bring you the strategies, insights, and conversations that help drive your revenue growth. Search for Revenue Boost in your favorite podcast directory and hit subscribe to stay ahead of the game.In a world where AI is evolving faster than your org chart, how do you build a marketing engine that's both smart and scalable? In From Strategy to Speed: Building a Modern Marketing Engine with AI, I sat down with Mark Goloboy, founder of Market Growth Consulting. We unpack how AI is transforming B2B marketing—and why strategy still comes first.From RAG pipelines and LLM optimization to lean team structures and rapid execution, Mark shares what today's business leaders need to know to move fast, stay aligned, and drive measurable growth. If you're tired of the AI hype and ready for more practical ways to accelerate performance, this one's for you.Be sure to listen through to the end, where Mark shares what you need to do to get started building your AI marketing engine today. Let's go!Kerry Curran, RBMA (00:01.359)So welcome, Mark. Please introduce yourself and share your background and expertise.Mark Goloboy (00:07.502)Excellent. Thank you, Kerry, for having me. Mark Goloboy, I'm the founder and CEO of Market Growth Consulting. We provide a variety of services to everything from small businesses to public companies. Our clients range from a private manufacturer north of Boston to global public companies.My background is on the sales-facing side of marketing. I've been the head of demand gen, marketing operations, and marketing analytics as I grew into marketing leadership. About two and a half years ago, I went out on my own to work directly with CEOs to fill in marketing gaps.At smaller companies, we place fractional CMOs and heads of demand gen to lead marketing, filling in subcontractors and agencies to execute. At larger companies, we run projects covering everything from marketing strategy, org strategy, budgeting, go-to-market strategy, and building out systems—we're currently doing a HubSpot to Salesforce and Marketo migration. We also do executive staffing, placing directors through CMOs either as temp-to-perm so clients can try before they buy, or through contingent staffing where if we find the right person, the client hires them for their future marketing leadership.Kerry Curran, RBMA (01:37.057)Excellent. Thank you, Mark. You've seen it all and are still very involved across business challenges and needs from a marketing, demand gen, and go-to-market perspective. There are lots of hot topics we could cover, but what are you hearing the most from your clients today? What's hottest for them?Mark Goloboy (02:03.662)Marketing really grew in 2022 and 2023 in terms of department size. But I think a lot of us felt it—venture-backed companies especially, but really everyone—wanted to get smaller again in 2023 and 2024. That was a painful adjustment across the industry. Now, as we move through 2024 into 2025, everyone is focused on:How do we do more with less? How do we think about fractional or contract roles in areas we never would have previously?That extends into AI-driven marketing, where every leader is looking to be more efficient and scale faster and smarter by using tools that take over some of the marketing workload. The real challenge now for marketing leaders is finding the balance between the people they need to hire, the money they need to spend, and where AI can make them faster, smarter, and more scalable—while still needing human review and strategic oversight.Kerry Curran, RBMA (03:38.947)Yeah, I agree. And you see so many emerging tools. I think if you search for AI in MarTech today, there's been a huge increase in companies claiming to offer something new or different. But AI actually means a lot of different things. You and I were talking earlier about how important it is to dig into the formula and structure behind what's labeled "AI." What are you seeing from that perspective?Mark Goloboy (04:15.054)Well, I think the big challenge, for me at least—I'm a solo entrepreneur running my own business with just myself and no employees—is figuring out how to work efficiently while wearing many hats.I use subcontractors who are experts at what they do, and I hire based on likeability and capability because my clients will keep rehiring me if they like who I bring them and the work gets done right.But because I'm a solo operator, I have to maximize my own productivity. So every day, I start by looking at what's on my plate and ask: "Could AI help me do this faster, better, or more scalably?"Whether it's a deliverable, a proposal, or a project plan, I always pause and think about how AI can be part of the solution—even if it's just for my internal work, not necessarily client-facing marketing.Kerry Curran, RBMA (05:31.545)Thank you.Mark Goloboy (05:43.870)Each of the major frontier models—OpenAI, Google Gemini, Claude, and others—are developing rapidly. Every time I try something, it's a little different, and the outputs are constantly improving.Last week, I had a meeting with a prospect using an ABM tool I had never heard of. I wanted to appear knowledgeable, so I asked OpenAI to compare it to Sixth Sense and Demandbase, which I know well.Within a minute, it gave me four pages of detailed research on each tool, plus a comparison grid. That would have taken a junior marketer on my team two months to produce. That's how fast this technology is evolving.Kerry Curran, RBMA (06:57.549)Yes, same for me. There's so much you can do faster now. You mentioned video editing, and I recently used napkin.ai to turn raw text into beautiful slides. It's such a game-changer for solo entrepreneurs.Mark Goloboy (07:27.790)Exactly. Externally, too, clients come to us with needs, and it's up to us to creatively think: "How can we use AI to deliver this better?"Last year, we trained an AI model to write like a PhD psychologist who had run a department at Columbia Med. Using her writing, interviews, and videos, we trained Google Gemini to mimic her voice—and she couldn't tell which blog posts were hers versus AI-generated.This was mid-2024, when people still said AI content was bland. But we were producing PhD-level work that passed her own review.Kerry Curran, RBMA (08:39.865)Yeah, it's pretty incredible. It helps us do a lot more and get a lot more out of our hours and days—getting smarter and more effective. What are some of the other ways or tools you've developed for your clients to help them with their demand gen and other aspects of business?Mark Goloboy (09:00.270)Yeah, so I joke with my clients that I didn't know what the letters RAG meant in December—but now I do. It stands for Retrieval Augmented Generation. That's about developing agentic pipelines to connect your internal data sources—whether documents, databases, or internal systems—to the large language models (LLMs), so you can move information between them and generate outputs informed not just by public data, but by your own proprietary data.Right now, we're building RAG agentic pipelines for a PR firm, for example. Their CEO prioritized the three use cases that would save their account managers the most time:Meeting scheduling and rescheduling, which wastes hours every week. Contract review, since they're doing placements in major media outlets and need to review hundreds of contracts a month. Media monitoring, summarizing brand mentions across the web and sending daily summaries to clients—something that takes an hour per client per day. By automating these processes, they save massive amounts of time, and as they grow, they don't need to hire as many new account managers.Kerry Curran, RBMA (10:58.467)Yes, that's super valuable. I love that it allows them to free up time to be more strategic instead of bogged down in busywork. So what are some of the steps required for someone to set this up? How did you learn more about creating these pipelines and the RAG system?Mark Goloboy (11:20.398)There are some really good places to learn. The first one I always recommend is the Marketing AI Institute. Paul Roetzer is the founder, and I learn the most from him.Paul and his content lead put out a one-hour podcast every week that breaks down everything that's changed in AI since the last episode. It's incredibly rich information. I usually listen at 1.5x speed and get through it in 40 minutes. I don't care about every topic, but I hear what matters and know where to dive deeper.Beyond that, I follow a few amazing marketers—Liza Adams, Nicole Leffer, and Andy Crestodina—who are brilliant at testing new things and sharing what works. They save me countless hours of trial and error.Kerry Curran, RBMA (12:41.133)Thank you—we'll be sure to include all of those in the show notes as well. One thing you mentioned was that the podcast covers what's changed in just the past week. AI is changing so fast. What should people keep in mind when they're building these tools or leveraging different sources?Mark Goloboy (13:01.336)I'm used to building very permanent, robust systems—CRM, marketing automation, ABM platforms—that are meant to deliver value for years. But with AI, we have to accept that some development is disposable.It's crucial to prioritize effort. We help clients understand: we're not building something that will last 5 years. Some of the code we build today might be obsolete in 6–12 months.For example, OpenAI just launched a new pipeline tool that replaced the one we were using. If we had spent six months building on the old system, it would already be outdated.So we advise clients: build for today's ROI and be ready to pivot constantly. If you're rigid, you'll miss the opportunity.Kerry Curran, RBMA (14:47.747)Yeah, it made me think about how, in a lot of organizations, it takes so long just to get buy-in and approvals to start using new tools. It's a whole culture and mindset shift—especially for marketing leaders.Mark Goloboy (15:07.788)Exactly. I couldn't imagine a one-year approval cycle for an AI project. By the time you'd get sign-off, the tools would have changed and you'd have to start over.You need faster review and approval cycles. Otherwise, AI-driven innovation simply won't be possible.Kerry Curran, RBMA (15:29.475)Yes, definitely. And that's another benefit of bringing someone like you in—you're well-versed in what's changing, and you have the curiosity and experience to guide them through it.Mark Goloboy (15:45.954)Exactly.Kerry Curran, RBMA (15:47.407)So for people listening who want to get started—maybe building custom pipelines or just leveraging AI more—what are the foundations they need to have in place?Mark Goloboy (16:14.830)The most important thing is a good strategy.When we come into companies, often because of turnover—whether it's the CRO, CMO, CEO—they don't have strong alignment on strategy anymore. If you don't have a clear strategy that demands an investment, and you don't know how you'll measure the value of what you're building, you're setting yourself up for failure.So we always start at the strategic level first.We also move fast. If you want a slow project, there are large consulting firms that are happy to take years and millions of dollars. That's not us. We think in three- to six-month project cycles—then we operate and optimize from there.We want to move quickly and get you results now, not years down the road.Kerry Curran, RBMA (18:29.229)That's such an important point. And it ties back to so many of the themes we talk about on this podcast—internal alignment, clear business goals, and unified execution across the organization.One of the tools you mentioned that I think is really fascinating helps address the trend of AI tools becoming new search engines. Can you talk about how you're helping your clients optimize for that?Mark Goloboy (19:19.950)Absolutely. Most of my clients are B2B. And historically, Google was how people found solutions. You wrote your content for Google—end of story.But now, with ChatGPT and other LLMs, people are searching inside AI to get answers. It's shifting fast—from 80/20 Google to maybe 50/50 Google/LLMs within a few years.We partnered with a tool called Brand Luminaire. It analyzes how LLMs like Gemini, Claude, and ChatGPT surface information about your brand and your competitors.Critically, it shows you what sources the LLMs are pulling from. That means you know where to focus your writing, PR, and SEO efforts—not just for Google, but for the LLMs too.It's a massive shift. Brands that don't adapt will lose mindshare at the point of research and decision-making.Kerry Curran, RBMA (22:06.307)That's excellent. It's something all brands are going to need to prioritize as search behavior expands beyond just Google.So this has been great, Mark. Thank you so much for sharing so many practical insights and tools. For people who want to get in touch with you and learn more about your services, where should they go?Mark Goloboy (22:29.454)They can email me directly at mark@marketgrowthconsulting.com—I'm very functional with my branding: market growth consulting is what I do!Or you can find me on LinkedIn—I'm easy to find with my unique last name.Kerry Curran, RBMA (22:46.541)Awesome. We'll put that in the show notes too. Thank you again, Mark, for being here and sharing so much of your expertise.Mark Goloboy (22:55.064)Thank you so much for having me, Kerry.Kerry Curran, RBMA (22:57.071)Thank you.Thanks for tuning in to Revenue Boost: A Marketing Podcast. I hope today's conversation sparked some new ideas and challenged the way you think about how to incorporate AI into your marketing strategy and initiatives.If you're serious about turning marketing into a true revenue driver, this is just the beginning. We've got more insightful conversation, experts, guests, and actionable strategies coming your way. So search for us in your favorite podcast directory and hit subscribe!And hey, if this episode gave you value, share it with a colleague and leave a quick review. It helps more revenue minded leaders like you find the show. Until next time, I'm Kerry Curran, revenue marketing expert helping you connect marketing to growth one episode at a time. We'll see you soon.

University of Georgia professor emeritus Peter Smagorinsky penned an op/ed in the Atlanta Journal Constitution last week that caught my attention: "How Trump's battle with U.S. colleges is making Canadian universities great." Like 'Handmaids Tale" ex-pats, America's distinguished scholars are seeking "safe haven" to continue doing their work outside the U.S., and Canada seems to be benefitting quite a bit. Peter joins me to discuss the fallout.------We may actually be at the point of the long-awaited MAGA "fever break" as Donald's reckless tariff actions these last two weeks have impacted retirement accounts. Don't believe me: listen to Ben Shapiro shriek or Eric Erickson exasperate on his show, or better yet: read these "scalded dogs" tweets from MAGA voters who now (now!) regret voting for Trump. Tanker truckloads of "MAGA tears."It typifies MAGA and conservatism, though, no? Only when they're impacted are causes that others have championed important to them. The consequences are only now starting to show themselves at checkout; Atlanta-based Delta Airlines' Q1 earnings statement shows the Trump brand of "economic chaos" is already impacting their bottom line. Their CEO calling Trump's tariff strategy "candidly, a bit chaotic."Ouch.

Changes in the SEC under Trump that you should know There will be many changes under Trump, but for investors the SEC, which is also known as the Securities and Exchange Commission could be a big one. The current head of the SEC, Gary Gensler, is likely gone for sure. He has been tough on Wall Street and even tougher on cryptocurrencies. It is likely Trump will appoint a new SEC chairperson who will want to have less control over Wall Street. One name on that list is Hester Pierce. She was appointed by Trump in his first term and is one of two current Republican commissioners. She also voted against most of Gary Gensler's initiatives and is much friendlier towards Wall Street. That doesn't mean everything will run wild and in particular, she still would like to see regulation for the cryptocurrency business. It seems she disagrees with both Gensler and Trump-appointed predecessor, Jay Clayton, who sued crypto startups that didn't register their products as securities. Instead, she would rather see new regulations for crypto's technology. Her approach would be different than Gensler, but it seems that she still wants to protect the investor by using stronger regulations. One rule in the works that may not make it into the books that had much controversy was forcing companies to disclose climate related risks. The SEC voluntarily put the rule on hold while it is litigated. Another one in litigation is for rules that hedge funds and brokers must report on short positions and stocks lent for short selling. Unless these two can pass before the new administration takes over in January, I don't believe they will have any chance of surviving. There are also other rules in litigation that are in limbo that will probably be dropped next year. Be sure to stay tuned to the Smart Investing Show for updates and changes in regulations by the SEC, as I'm quite confident it will look very different next year!   Is Michael Saylor, CEO of MicroStrategy, a genius or a crazy man? If you're not familiar with MicroStrategy, their symbol is MSTR. Their CEO is famous for not just buying bitcoin, but leveraging everything he can to invest all the assets into bitcoin. I listened to a podcast that Mr. Saylor did recently and I was shocked at many things he said. If you follow us on a regular basis, you know we're not advocates of investing in cryptocurrencies or bitcoin, but this CEO takes it to the extremes on the other side. The company's financial statements look like a disaster, I'm surprised they are still in business. Mr. Saylor stated they just borrowed billions of dollars to purchase $4.6 billion in bitcoin, which brings their bitcoin holdings up to about $40 billion. The company only has $60 million in cash. If you do the math, MicroStrategy currently owns about 1.6% of the market value of all the bitcoin. With all the rumors floating around about the US government being an advocate of bitcoin and perhaps even setting up a bitcoin reserve, the price of bitcoin is now around $100,000. Mr. Saylor was laughing as he spoke about the current value of bitcoin at $1.8 trillion and said he sees it going to $180 trillion in 20 years, at that level the price of one bitcoin would be $13 million. The host of the podcast did a quick analysis and said based on that projection, the market cap of your stock, which is currently $89 billion would be worth roughly $10.5 trillion in 20 years. The response was, yes that's what the math says. The only reason I could come up with why Mr. Saylor is so optimistic is he feels in 20 years 7% of all the world's money will be in bitcoin. I have read from many professors and experts on the global economy that have said this will never happen because governments will not be able to control their own economy. He also stated that bitcoin should be the world currency and in 20 years there should be $500 trillion in digital assets. I've been in the investment world now for over 40 years and none of this makes any sense to me. I do believe there will be a major storm someday in the future. As far as investing in the stock MSTR, the company has no earnings, no cash flow and nearly a 16% short holding betting on a stock decline. The stock has a 52 week low of about $44 a share vs a high of $505 a share and currently trades around $440 a share. I have to say this is not a company, but more of a management company of a non-diversified asset or a leveraged bet all in bitcoin.    The housing market has changed It used to be couples would get married and buy a house in their late 20s, but now because of a different lifestyle and higher prices for homes, first time buyers are now nearly 40 years old. I also found it interesting that there are now more single people buying homes. Single women are generally about six years older than single men when buying homes. However, roughly 20% of single women are first time home buyers, which is more than double their male counterparts. People in their early 60s have become the most active in the current housing market. This is the generation that scratched and saved and sacrificed to buy a home back in the 1980s. Even then houses were not that affordable, not to mention interest rates looked a whole lot different! But now those buyers, some of which have accumulated close to 40 years of equity have benefited handsomely and account for a big portion of the $35 trillion in home equity across the US. For those looking to buy, there are some signs of relief in home prices with some areas in Texas and Florida that were not too long ago very hot markets starting to see price declines. I feel it could take another couple years to get a more normal housing market, especially with about 25% of people having a mortgage on their home of 3% or less. With such a low rate, they would probably be more likely to remodel or do an addition rather than sell their house.     Beware of IRA Income Limits Saving money is obviously a great thing, but it is important to be aware of the income limits when making both Traditional IRA and Roth IRA contributions.  Contributions to IRAs can be made at any age, but you need W-2 or self-employment income to contribute.  However, if your total income from all sources is too large, this may prevent you from making contributions as well. With Traditional IRAs, you can make contributions at any income level, but your ability to deduct those contributions is phased out if your income is too high, assuming you have access to an employer retirement plan like a 401(k).  Since getting a tax deduction is one of the main benefits of a traditional contribution, high-income earners would likely want to fund a different account instead. For a single filer this phase out begins at $77,000, and for married filers this begins at $123,000. If your spouse has access to a workplace retirement plan but you do not, your phase out for traditional IRA contributions begins at $230,000. Roth IRAs are subject to different limits.  For single filers the ability to contribute begins to be phased out when income reaches $146,000 and for married filers at $230,000.  So with traditional IRAs, your income determines if the contribution is deductible, with Roth IRAs your income determines if you can make the contribution at all.  Unfortunately, I see people making Roth IRA contributions when they aren't eligible to all the time.  This can happen if you are used to making a Roth contribution every year and eventually through raises or bonuses or whatever your income exceeds the limit without you knowing. Now with Roth IRAs, there is a workaround called a Backdoor Roth contribution that can be used to make Roth contributions when income is over the limit.  To do this effectively, the contributor cannot have any Traditional IRA money.  If they do, they would need to roll it into a workplace plan like a 401(k) before implementing the Backdoor Roth contribution.  The Backdoor Roth involves making a non-deductible contribution to a Traditional IRA, which again can be done at any income level, followed by a conversion into a Roth IRA.  Conversions do not have income limits and because the initial contribution to the Traditional IRA was not deductible, it is not taxable when converted to the Roth IRA.    Companies Discussed: Comcast Corporation (CMCSA), Delta Air Lines, Inc. (DAL) & Alphabet Inc. (GOOG)

In Touch reflects on a specific element of the Autumn Budget that relates to the Work Capability Assessment, following concerns raised by the dual-disability charity, Sense. Their CEO, Richard Kramer explains how the proposed amendments could impact people's ability to find and maintain work and the receipt of certain benefits. We get answers to your questions: including why some visually impaired people are having issues with accessing a survey about the future of the NHS and why some people are having difficulty calling back their guide dogs when they are free running.Presenter: Peter White Producer: Beth Hemmings Production Coordinator: David Baguley Website image description: Peter White sits smiling in the centre of the image and he is wearing a dark green jumper. Above Peter's head is the BBC logo (three separate white squares house each of the three letters). Bottom centre and overlaying the image are the words "In Touch" and the Radio 4 logo (the word Radio in a bold white font, with the number 4 inside a white circle). The background is a bright mid-blue with two rectangles angled diagonally to the right. Both are behind Peter, one is a darker blue and the other is a lighter blue.

Today, I have the immense privilege of walking with one of the most influential thinkers, authors and teachers of our time, Seth Godin. Seth is the author of 21 best-selling books that have transformed how we think about marketing, leadership, and the power of creative work. His books have been translated into over 35 languages, helping readers across the globe learn to challenge the status quo and make a lasting impact. In addition to his writing, Seth is the founder of several successful businesses, including the groundbreaking altMBA, an online workshop that has revolutionized the way people learn to lead and create meaningful change. He also invented email marketing, so we can thank him for that. Above all, Seth is a teacher. He's taught at some of the most renowned business schools, founded one of the most successful online learning platforms, and spends his time sharing wisdom on everything from business strategy to life philosophy.  In this episode, Seth shares his insights from his new book, This is Strategy, on how to embrace systems, time, empathy, and games to create change—not just for business, but in any aspect of life. As Seth says in the intro to the book, this is for someone who wants to make things better—which I know is all of us. --  Big thanks to our partners at Brooks Running. For over a century, Brooks has been propelled by a never-ending curiosity with how humans move. It drives their every decision and every innovation. Because they believe movement is the key to feeling more alive. And we're all moving towards something. It could be the top of a mountain, a first-ever 5K, or peace of mind after a stressful day.  So… let's run there.   With gear and experiences specifically designed to take you to that place. Whether it's a headspace, a feeling, a finish line, a cure for Parkinson's, more ethical treatment of animals, or even a stormy day on the New York City Aqueduct. Let's run there.  Head to BrooksRunning.com to learn more. -- Also big thanks to our partners at Lifeway Foods. Lifeway is more than just a company that makes delicious, probiotic-rich kefir—it's a forward-thinking brand committed to improving the health and well-being of people around the world.  Many of you are well familiar with Lifeway Kefir.   But in case you're not, Kefir Kefir is an ancient healing superfood from the Caucasus Mountains that has provided microbiome support for over 2,000 years. The villagers who consumed it often lived past 100 years of age and attributed their longevity to their consumption of kefir. It's like a tart and tangy cultured milk smoothie that's packed with probiotics and bioavailable nutrients like high-quality protein, calcium, and Vitamin D to help you feel your best inside and out. Lifeway's commitment to making a positive impact is part of their DNA. Their CEO, Julie Smolyansky, is someone who I think embodies the spirit of what Seth talks about in this interview. She has a deep passion for social causes, from advocating for wellness to tackling issues like the maternal healthcare, hunger and social justice. Julie was also one of the first people to take a chance on Charity Miles, after we met at SXSW over ten years ago. It's safe to say that we wouldn't be where we are today without their support.  So huge thanks to Julie and Lifeway for being such an important part of the Charity Miles story.

“The nervous system is the behind-the-scenes to your mindset—the-behind-the scenes to everything—it fuels everything and is probably the most important investment you can make, ” says today's guest Leah Davidson. A registered speech language pathologist and certified life coach—among a plethora of other certifications—Leah saw early on the role brain neuroplasticity and positive mindset played in a patient's ability to heal and improve their conditions—even traumatic brain injuries. Today, she joins the Why Didn't They Tell Us podcast to explain how the nervous system affects every aspect of our lives— from our outlook, mood, energy and the way we interpret information—as well as how we can develop a new positive mindset and increase our resilience.    The process starts with developing an awareness of our own unique nervous systems and how they react to everything going on in our lives both internally and externally. Regulating our nervous systems is not only life-changing for us but for our teenage children who are watching our every move for cues as to how to react to their own worlds while their brains continue to mature. Leah explains how we can model positive nervous system regulation and emotional regulation for our kids.   Join today's discussion to learn how you can tune into this most powerful internal system, work with it to develop a more positive mindset, and ultimately, change your life.  Quotes “The nervous system is the behind-the-scenes to your mindset. It's the behind-the-scenes to everything that you do and it is probably the most valuable investment you can make—into your nervous system—because it fuels everything.” (6:13 | Leah Davidson) “I believe you can't really access your mindset without really understanding your nervous system. You can't take full advantage of the benefits of working on your mindset without looking deeper at what your nervous system is because it's sort of like the mindset…the tip of the iceberg that we work on but the nervous system is down below. So, we want to be accessing it all.” (13:08 | Leah Davidson) “Your worth is in being and not doing.” (22:56 | Leah Davidson) “Teens are also super unique because their brains are developing, their CEO is on its way to develop. Their CEO isn't fully developed until they're in their mid-twenties, so they are reading and relying a lot on the—hopefully—regulated adults around them, meaning they're relying on their parents, their coaches, their teachers to not just serve as a cognitive example but to serve as a nervous system. We call it co-regulation—when they are in your presence, are they feeding off of a frenetic, hyper energy, or are they feeding off of a confident, calm energy?” (22:58 | Leah Davidson) “We first learn about our nervous system through our caregivers and that is the importance of—when people say, ‘What can I do with my teen? What can I do with my children?' Nothing, per se, to your children, it is your work to do. And if you do your work, that will spill over into every single relationship you have, especially the relationship with your kids.” (24:28 | Leah Davidson)  Connect with Leah Davidson: Leah's Instagram Leah's Podcast: Building Resilience Leah's Coaching Community   Connect With Leslie: Help Your Teen Cultivate Confidence Website Instagram Facebook Podcast production and show notes provided by HiveCast.fm

If you want a good duvet - a very good duvet - the company Novegr is selling ones for up to 30 grand! How can they be so expensive?Their CEO, Nils Stemen, joins Seán to discuss.

Now, with the Budget coming Tuesday week, some organisations are starting to call for different policies to best help them and their sector. One of those organisations is ISME, the Irish Small and Medium Enterprises Association.Their CEO, Neil McDonnell, joins Kieran to talk through what they're asking for.

We finally have an excuse to tear down Telegram! Their CEO got arrested by the French, apparently not because the cryptography in Telegram is bad, but special guest Matt Green joined us to talk about how the cryptography is bad anyway, and you probably shouldn't use Telegram as a secure messenger of any kind!Transcript: https://securitycryptographywhatever.com/2024/09/06/telegramLinks:- https://blog.cryptographyengineering.com/2024/08/25/telegram-is-not-really-an-encrypted-messaging-app/- Lavabit / Ladar Levinson: https://en.wikipedia.org/wiki/Lavabit- Pavel Durov indictment statement from French authorities: https://www.tribunal-de-paris.justice.fr/sites/default/files/2024-08/2024-08-28%20-%20CP%20TELEGRAM%20mise%20en%20examen.pdf- MTProto 2.0 protocol spec: https://core.telegram.org/api/end-to-end- https://words.filippo.io/dispatches/telegram-ecdh/- MTProto 1.0 (old no longer used): - https://web.archive.org/web/20131220000537/https://core.telegram.org/api/end-to-end#key-generation- OTR: https://otr.cypherpunks.ca/otr-wpes.pdf- AES and sha2 used in ‘Infinite Garble Extension' mode: https://eprint.iacr.org/2015/1177.pdf- Four Attacks and a Proof for Telegram: https://ieeexplore.ieee.org/stamp/stamp.jsp?tp=&arnumber=9833666- History of Telegram e2ee chats availability: https://en.wikipedia.org/wiki/Telegram_(software)#Architecture- https://securitycryptographywhatever.com/2023/01/27/threema/- https://securitycryptographywhatever.com/2022/11/02/Matrix-with-Martin-Albrecht-Dan-Jones/- https://en.wikipedia.org/wiki/Matrix_(protocol), introduced in September 2014"Security Cryptography Whatever" is hosted by Deirdre Connolly (@durumcrustulum), Thomas Ptacek (@tqbf), and David Adrian (@davidcadrian)

The bumps are free, everyone's talking about cucumbers, and Kelly and Lizz are showing up in defense of car content filming. In millennial news, Kelly's got clarity on brat summer and is ready for next year to be Polly Pocket summer. @Logansfewd is going viral for eating an entire cucumber a day and Kelly and Lizz are loving his recipes. Hard boiled eggs are coming in strong this summer, too with a stellar flight from @smaller_sam.pcos.  Kelly is thrilled with her experience with Vonder Car Wash and Detailing and Lizz is in her hire-it-out era. August 16th is Kelly's birthday and she'll be getting nestie with a bestie before baby arrives.  The gals were shook recently at a playdate when the green banana debate made its debut. How are these better than yellow bananas? They can offer healthy starches and a lower sugar count than ripe bananas.  Tired of unpredictable charges hitting your bank account? Over 74% of people have subscriptions they've forgotten about, too. Cancel unused and unwanted subscriptions, keep your spending on track, and put money right back in your pocket with Rocket Money. With over 5 million users, Rocket Money has helped save its members an average of $720 a year with over 500 million in canceled subscriptions. So stop wasting money on things you don't use.  → Download the Rocket Money app at rocketmoney.com/carpool   Canadian Carpoolers made the 11 hour trek to the Auto Show and brought a bag of Canadian snacks that Kelly and Lizz are trying today on the taste drive. While the ketchup Lays might make Kelly toss her chips, the all-dressed are something Canada can be proud of.  Kelly and Lizz are making their post-partum show and movie list. They've got their eye on the Sex and the City reboot and the Real Housewives of New Jersey. In industry news, Stellantis is super struggling right now. Kelly's prediction is that the reliability scores are hurting sales and thinks the Pacifica needs to be moved to Jeep or another brand. Their CEO is ready to cut brands that are underselling and speculations wonder what might happen to Maserati, which lost $89 million in the first six months of the year.  Today's Thawgust ditch the drive-through is Chi-chi pie pie from Pillsbury. Check out this freezer-friendly, kid and husband approved recipe on the Car Mom blog here.  → To share your ditch the drive-through recipe with us, call (959) CAR-POOL and leave us a message! → Write in your advice questions! Send Kelly and Lizz an email to get your question featured on the show at hello@thecarmomofficial.com  Follow the Carpool Podcast on IG Follow the Carpool Podcast on YouTube Join The Car Mom Crew Facebook Group! Follow Kelly on IG Follow Lizz on IG Follow the Truck Dad on IG Visit thecarmomofficial.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Understanding the Importance and Benefits of Team DynamicsIn a recent episode of "The Thoughtful Entrepreneur," host Josh explores the complexities of team dynamics with Karen Wright Gordon, the CEO of Simpli5. This episode is a goldmine of insights for leaders and managers aiming to boost teamwork and collaboration within their organizations. Karen discusses the significance of understanding individual work preferences and how this knowledge can revolutionize team performance. Here, we distill the key takeaways from the episode, providing actionable advice and detailed explanations to help you implement these strategies in your own organization.Five Dynamics is a company dedicated to enhancing organizational teamwork through a unique assessment methodology. Their core tool is a three-minute assessment designed to identify how individuals prefer to work, learn, and collaborate. This assessment, which took a decade to develop, reveals each person's most efficient neural pathways, highlighting their strengths and areas where they may struggle. Leaders can use this information to tailor their management styles to better suit their teams, thereby enhancing overall performance.Josh raises an essential question about the importance of understanding team dynamics amidst the myriad responsibilities leaders face. Karen emphasizes that this understanding can significantly accelerate team performance. By understanding how new team members will fit into existing dynamics, leaders can avoid lengthy adjustment periods, establish a common language for discussing team dynamics, and reduce conflicts arising from different energy levels and work styles. This shared understanding leads to enhanced communication, minimized conflicts, and improved collective performance.About Karen Wright Gordon:Karen Gordon is the President and CEO of Simpli5, a technology utilized by Fortune 500 companies that analyzes teams' work styles and their affinity for different phases of a project cycle to improve team collaboration, satisfaction, and results. A serial entrepreneur who loves strategy and execution, Karen finds fun in solving big problems and making deals work. Throughout her career, Karen has dedicated herself to transforming workplace cultures through the power of collaboration and team performance.Karen has worked with a who's who of businesses, including transformational partnerships with Nortel Networks, Humana, AT&T Wireless, and LinkedIn. In 2000, shortly after founding GTCI, she secured a significant deal with AT&T Wireless to develop and deliver a course about 3G wireless technology, training over 2,000 employees nationwide. Nortel Networks was GTCI's biggest customer, allowing Karen to lead their outsourced documentation program globally. Her strategic insight and resilience led to a significant win against larger competitors.Humana stands out as a pivotal client. Their CEO, Mike McCallister, recognized the potential of the 5 Dynamics model after Karen's first presentation. LinkedIn remains a fantastic partner, utilizing Simpli5's model extensively and supporting the company's growth.A recognized leader and influencer, Karen's accolades include being a two-time Inc. 500 Honoree, an Ernst and Young Entrepreneur of the Year finalist, and a notable spotlight in the Dallas Top 25. Her expertise has been featured in leading publications such as SWAAY, The CEO Magazine, Business News Daily, Huffington Post, HR Dive, and Entrepreneur. One of her career highlights is her TEDx UT Austin presentation on "The Myth of Difficult People," which has further cemented her status as a thought leader in understanding and navigating complex human dynamics in the workplace.About Simpli5 by 5 Dynamics:5 Dynamics isn't just a one and done assessment; it is a common language that enables individuals to better understand themselves and those with which they...

On their recent earnings call, PriceSmart offered a comprehensive review of their performance and strategic initiatives. Their CEO, Robert E. Price, asserted, "I think our reputation there is really, really good from what we hear and the way our members seem to feel about it. There's been a lot of turnaround in Colombia," further adding that the company made the strategic decision to reduce margins and modify pack sizes on certain items in Colombia, which had become overly expensive.An analysis of PriceSmart's financial performance reveals solid growth in key areas such as net merchandise sales, membership accounts, operating income, and net income. In addition, high membership renewal rates provide a positive indication of customer satisfaction with the company's offerings.Strategically, PriceSmart has zeroed in on growth drivers such as food, non-foods, food services and bakery, aiding in boosting revenue growth. The growth in the client interest towards the private-label sales testifies the company's successful initiatives.PriceSmart is evidently investing in future growth, with initiatives in health services, omnichannel retail, and advanced inventory planning tools like RELEX. Their commitment to enhancing customer experience, combined with a keen focus on operational efficiency, evinces their intent to excel. Simultaneously, the company indicates a strong commitment to environmental and social responsibility, aligning with the rising consumer preference for sustainable and ethical practices.Consumer trends are influencing the retail landscape, with shifts evident in transaction values, pricing, and ordering methods. The increased preference for digital channels and online engagement underlines the growing importance of e-commerce and omni-channel retailing in serving dynamic customer needs.Expanding on expansion possibilities, Robert E. Price mentioned, "There continue to be opportunities in some of those countries. And we continue to identify the right properties to take advantage of those opportunities". This insight into PriceSmart's strategic approach to market expansion illustrates their proactive efforts to extend their footprint in existing and potential new territories.Moving forward, PriceSmart plans to strengthen its infrastructure with investments in distribution, digital channels, and advanced tools like RELEX, signifying their unwavering emphasis on operational excellence.In summary, PriceSmart reveals itself as a company that is not only financially resilient but also strategically focused. With an intricate understanding of emerging consumer trends and a clear blueprint for future growth, PriceSmart promises to hold its own in the competitive retail sector. The firm's adherence to operational excellence and a steadfast commitment to innovation and sustainability corroborates its potential. However, it bears remembering that these are the company's own projections and plans, made available to investors on their earnings call. As aspects of retail and global market dynamics evolve, so too might the path that PriceSmart eventually takes.PSMT Company info: https://finance.yahoo.com/quote/PSMT/profileFor more PSFK research : www.psfk.com This email has been published and shared for the purpose of business research and is not intended as investment advice. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.theprompt.email

HeyOrca, the uniquely named social media scheduler, is one to keep an eye on for some community-driven content inspiration. Their CEO, Joe Teo joins this episode of Social Pros to share his vision behind collaborative work, building a community, and the story behind the name HeyOrca. Full Episode Details Joe Teo is the CEO, aka “Chief Executive Orca,” at HeyOrca, a social media scheduler built to make collaboration between social teams simpler. He joins the Social Pros podcast to share his philosophy on a community-first approach to social media and advice for social pros to lean into the communities they want to build. Joe explains where the idea behind HeyOrca came from and how important it was to build a tool that makes collaboration easier within social and marketing teams. He talks about customer feedback and how that's helped HeyOrca to evolve, optimizing video content for social, and the important question you should ask yourself before you post something. In This Episode: 2:04 - A little background on HeyOrca 4:07 - How Joe pivoted his focus to community building 8:00 - Why Joe works closely with users and uses audience feedback to evolve the platform 10:42 - How Joe stays on top of all the evolving changes in social media 14:54 - Joe shares details of his new project, the HeyOrca Podcast 18:13 - Joe explains what it's like to work with non-profits and faith-based organizations 21:58 - Why Joe has invested more time in his personal brand  27:20 - The important question to ask yourself while building your personal brand 29:00 - Where the name HeyOrca came from 34:07 - Joe's tip for social pros  Resources Grab your free Social Media Audit Bundle Follow HeyOrca on LinkedIn Follow HeyOrca on Instagram Follow HeyOrca on X The HeyOrca Community on Facebook Visit SocialPros.com for more insights from your favorite social media marketers.

If you're here, there's a really good chance you're familiar with and have explored mindfulness in the past. We're fortunate to have a place here in Toledo that can help improve your mastery of mindfulness. Their CEO, Isabella Weik , visits to tell us all about it, and her path to its leadership role.  It's not a common last name, so yes, you may be familiar with her parents, who are influential and helpful parts of our community!

For decades, AeroVironment has been a company that does things more than a little differently. Their CEO, Wahid Nawabi, joins us to talk about CCAs, Replicator, the new shape of airpower, and where his company fits in. And of course, we have headlines. Powered by GE!

This and all episodes at: https://aiandyou.net/ .   Artificial General Intelligence: Once upon a time, this was considered a pipe dream, a fantasy of dreamers with no sense of the practical limitations of real AI. That was last year. Now, AGI is an explicit goal of many enterprises, notably among them Simuli. Their CEO, Rachel St. Clair, co-founded the company with Ben Goertzel, who has also been on this show. Rachel is a Fellow of the Center for Future Mind, with a doctorate in Complex Systems and Brain Sciences from Florida Atlantic University. She researches artificial general intelligence, focusing on complex systems and neuromorphic learning algorithms. Her goal is to “help create human-like, conscious, artificial, general intelligence to help humans solve the worst of our problems.”  In the conclusion, we talk about the role of sleep in human cognition, AGI and consciousness, and… penguins. All this plus our usual look at today's AI headlines. Transcript and URLs referenced at HumanCusp Blog.          

CISOs and security leaders are asking Cybercrime Magazine: Who's who in security awareness training? We've answered with “10 Hot Security Awareness Training Companies to Watch in 2024”. CybSafe may be the hottest company on our list. Their CEO and founder, Oz Alashe, says CybSafe is laser focused on human risk, and that's exactly what CISOs are looking for.

Men's role in care needs to be recognised and promoted in our Constitution. That's the view of the Men's development network. Their CEO, Sean Cooke spoke to Newstalk Breakfast.

This and all episodes at: https://aiandyou.net/ .   Artificial General Intelligence: Once upon a time, this was considered a pipe dream, a fantasy of dreamers with no sense of the practical limitations of real AI. That was last year. Now, AGI is an explicit goal of many enterprises, notably among them Simuli. Their CEO, Rachel St. Clair, co-founded the company with Ben Goertzel, who has also been on this show. Rachel is a Fellow of the Center for Future Mind, with a doctorate in Complex Systems and Brain Sciences from Florida Atlantic University. She researches artificial general intelligence, focusing on complex systems and neuromorphic learning algorithms. Her goal is to “help create human-like, conscious, artificial, general intelligence to help humans solve the worst of our problems.”  In part 1 we talk about markers for AGI, distinctions between it and narrow artificial intelligence, self-driving cars, robotics, and embodiment, and… disco balls. All this plus our usual look at today's AI headlines. Transcript and URLs referenced at HumanCusp Blog.          

Since For the People provided WBDC's founder with her first radio interview oh so many years ago, we brought her back, in part, to announce and invite women to apply for the Women's Business Development Council's brand new IGNITE grant program, and to come out to the upcoming Women Owned Business Day at the Connecticut Capital. Then, we're welcoming two Beardsley Zoo educators to talk about a number of cool programs happening this spring - as well as focusing on FrogWatch 2024 - which is currently enlisting folks who want to help scientists better understand how these noisy amphibians provide a bellwether for our environmental health. And we'll close telling you all about Ann's Place - providing comfort, support, and financial resources to those living with cancer and their loved ones. Their CEO is dropping in to explain how this compassionate nonprofit is serving the region with professional counseling, support groups, wellness activities and educational resources - all at no charge.

Online classes covering subjects from cultivation to retail are available at M State (and other Minnesota schools) from a company called Green Flower. Their CEO, Max Simon, discusses the evolving world of cannabis and how Green Flower is training the upcoming workforce needed. See omnystudio.com/listener for privacy information.

Data released this summer shows that the AIA Consensus Construction Forecast predicts a 20% increase in nonresidential building spending this year -- a surge not seen since pre-Great Recession boom times.  Spending increases are anticipated across manufacturing, commercial, institutional, and industrial construction – but will it, or can it last?  If you look around the Carolinas, there seems to be plenty of work happening…  Poettker Construction is in the THICK of this “boom.” Their CEO, Keith Poettker is our guest today on the BrandBuilders Podcast. Welcome to the show!

Welcome to Rodes Live Podcast! In this episode, we're diving into the world of foot care with a special focus on Fresh Steps Medical Foot & Nail Spa LLC. Their CEO, Apryl Moore is here to share insights and expertise in this field. She also has a book out a new book out it can be purchased at Home | FreshSteps FootCare (freshstepsmedispa.com) http://distrokid.com/vip/seven/968392 use this code for 7% off. Tap In!!! Linktr.ee/Rodes or www.rodesonline.net

Loyal for Dogs is one of the companies in the longevity industry doing serious science. They are well-founded, have a killer team, and a very clear mission: to be the first to get a drug that treats ageing - not just the diseases of ageing, but ageing itself - to pass the rigorous Food and Drug Administration approval process. Their CEO, Celine Halioua, is a maverick founder whose life has been guided by her ability to work systems. So, to meet her mission, she's got a hack that will get her new ageing drug into trials. That will be a first for the longevity community, and the foundation stone for the next phase of our search for eternal life. In this series, technology reporter and psychologist Aleks Krotoski explores the frontiers of the extreme longevity pioneers. They've made their money in Silicon Valley. And with their technology solutions - PayPal, Facebook, cryptocurrencies - they've ushered in the world that we live in today, with all its unintended consequences. Some of them now want to solve the "problem" of aging, or even death, and they are making bigger strides than we may think. Can they? Should they? A Pillowfort production for BBC Radio 4 New episodes released Mondays. If you're in the UK, listen to the full series of Intrigue: The Immortals first on BBC Sounds: bbc.in/3WEQS5W

A platform that gives employees the freedom and flexibility to choose the type of benefits that they want to fit their own personal needs? Sign us up! We can't wait for you to listen to our chat about employee experience, the data behind diversifying benefits, and the how Compt is changing the NOW and future of work with Amy Spurling, CEO and Founder of Compt Compt's mission is simple. They help companies build and scale flexible employee perks, stipends, and rewards that delight teams. Named the Innovative HR Platform of the Year in 2021, Compt supports global teams with fully customizable HR Tech software to fit a company's needs. Whether it's a health and wellness stipend, student loan stipend or equipment stipend, they believe that benefits should and can align with an employee's life stage. In this new world of work Compt believes that "Fair pay and health insurance are merely table stakes. To truly support your team, remain competitive, and retain top talent, you must offer meaningful benefits to every lifestyle." Their CEO, Amy's experience as a former three-time CFO and two-time COO managing Finance and HR fuels Compt's belief that companies and employees can achieve much more together when employees are fully supported. 

When you take something for your body that makes you feel really good that's not a stimulant but something that's totally natural or superfood and nutrient-based and it turns on a bunch of switches, you're getting activated. When you feel good, you want to feel better and you may ask yourself if that's even possible and the answer is always, 'yes.' - Ian Clark Live Life Well from Sunrise to Sunset Save 20% with code "WELLNESSFORCE" on everyone's favorite Superfoods brand, ORGANIFI, including their Sunrise to Sunset Bundle and their Women's Power Stack that includes HARMONY + GLOW for true hormonal balance and great health radiating through your beautiful skin. Click HERE to order your Organifi today. Are You Stressed Out Lately? Take a deep breath with the M21™ wellness guide: a simple yet powerful 21 minute morning system that melts stress and gives you more energy through 6 science-backed practices and breathwork. Click HERE to download for free. Biohack Your Mind & Body with Plunge Ice Baths!Save $150 on your PLUNGE order with code "WELLNESSFORCE" As seen on Shark Tank, Plunge's revolutionary Cold Plunge uses powerful cooling, filtration, and sanitation to give you cold, clean water whenever you want it, making it far superior to an ice bath or chest freezer. *Review The Wellness + Wisdom Podcast & WIN $150 in wellness prizes! *Join The Facebook Group Founder and CEO of Activation Products, Ian Clark, shares the life-changing experience that led him to pursue a path of natural healing remedies, why reconnecting with his spiritual and emotional self was key to healing his physical body, why suffering will bring you real joy and how he uncovered the root cause of all his serious health issues. What if someone told you that you only have 1,000 days left to live? Would you treat your life differently?  Those are the questions Ian was faced with that led him to become the CEO of his body and take radical ownership of his wellbeing. 20% Off Activation Products 20% off ACTIVATION PRODCUTS | CODE “WELLNESSFORCE“ At Activation Products, they are committed to helping your body heal itself naturally and effectively... allowing you to live longer, look younger, and have a higher quality of life. And they're excited for you to be part of the family! They work hard to make premium products and supplements using the purest, most potent natural ingredients found on Earth. Their CEO and Founder, Ian Clark uses their products every single day. There is nothing in their product line that he wouldn't personally use. In fact... here's how he looked 16 years ago and today: He was overweight. Depressed. Sick. But when he started to use some of the powerful superfoods you'll find in our product line...He made a transformation like no other. Some would even say he aged backwards. If it wasn't for Mother Nature's powerful healing substances, he would not be the healthy, vibrant 62-year-old that he is today. And that, my friend, is the reason why Ian started this company. So that health-conscious folks like yourself can get access to premium superfoods that not only help you reduce and manage your symptoms...but actually target the root cause of your health problems from a holistic standpoint. If you click the link below, it'll take you to their website where you can browse all of their products AND save 20% - Their gift to you for being a Wellness + Wisdom listener! SAVE 20% ON YOUR ACTIVATION ORDER Use the code “WELLNESSFORCE“ at checkout. Listen To Episode 569 As Ian Clark Uncovers: [1:30] Ian's Gentle Journey Towards Greater Health Ian Clark Activation Products - save 20% with "WELLNESSFORCE" Ian's healing journey and his choice to turn to nature when he was told he had 1,000 days left to live. What inspired him to start Activation Products and their mission to help people on their path of healing and wellness. The power of investing in ourselves and our health to create a greater impact in the world. Ian's previous programming of what living a fulfilled life should look like including trusting 100% in western medicine. The terrible cancer prognosis that both of his uncles received before they passed away two days apart and the impact that had on Ian's mental health. Multiple health issues Ian faced at 46 years old and the simple questions he began to ask to get to the root cause of them all. Why he was told multiple times that his health issues were genetic predispositions that he couldn't change yet he continued to fight against that idea. The positive impact of making small, gentle changes and gradually meeting more people who could help Ian naturally heal. [17:00] Become the CEO of Your Body The fact that deception is a very tricky thing and so he began to unpack how the medical community had deceived him about his health. His journey of deprogramming the thoughts that had impacted everything single thing he was doing in his life. The ego death he faced as he came to terms that everything he knew was killing him. Why you cannot get rid of the old programming; you have to build a new understanding and protocol to purge and replace it. The gradual physical purge he went through to be rid of toxic heavy metals and fungus in his system and repair what was broken. His revelation that he is not his body, his body is the host that his soul lives in. How he "fired" his body and finally began to act as the CEO of it. The intense battle he went through with his body as he fought against the temptation to eat bad foods in order to heal himself. 353 Dr. Ben Lynch Chemicals that he was breathing in including lead while working in the oil industry plus the mercury fillings that were in his teeth since he was a teenager which impacted his health. Exploring the most efficient ways to detox and gain greater health without going broke. [27:00] Our Oceans' Healing Wisdom Why detoxing the heavy metals in his body made the biggest positive impact on his ability to heal. How tapping into source intelligence outside of yourself is key to the healing journey. The moment he realized it doesn't matter what we physically own because money is just an energy fuel and purpose is what really matters in life. Why money isn't ours, it's given to us to flow out as a value proposition to the world and to bring more value to people. How he stumbled upon the marine phytoplankton during his healing journey which is used today in their Oceans Alive product. Oceans Alive The fact that there are over 40,000 strains of marine phytoplankton in the ocean but only 2 are fit for human biology. Josh's experience when he took Oceans Alive and why it gave him a mild electric feeling. The properties of Oceans Alive including all of the periodical elements in it with no stimulants basically giving you a 1/3 strength ocean water. How his team makes sure that the seawater that the marine phytoplankton is grown in is pure. What people tend to get wrong about the ocean's minerals and phytoplankton. How the ocean naturally cleanses itself and the benefits of negative ions we receive from it when we go in the water. Seaspiracy | Official Trailer [45:30] Which Supplements Should You Take? How all 7 of his children have played a role with the growth and development of Activation Products. The incredible health transformation Ian went through losing 90 pounds with his healthy lifestyle changes from 2004 to 2009. Powerful biomarkers to look at including how flexible your cardiovascular system is and the importance of keeping them supple. Important supplements to consider taking including iodine and magnesium. Why magnesium and Vitamin K-2 MK-7 specifically go hand in hand together for positive results. Ease Magnesium Perfect K2D3 Bo Eason The dramatic shift you will see in your health when you use Vitamin K-2 MK-7 even with 120 micrograms a day. How taking a higher dosage of Vitamin K-2 MK-7 had a positive impact on Ian's personal health transformation. The difference between applying magnesium on the skin rather than taking it sublingually. How they've developed their Ease Magnesium spray for direct benefits and why it won't make you sleepy. The best time to use the Ease magnesium spray and how many sprays you should do each time you use it. [1:00:00] Why Suffering Will Bring Real Joy What Ian has embodied on an emotional level to allow these health changes to start, continue, and sustain. Unpacking why the right kind of suffering will bring real joy. How positive emotions can spread when we see other people experiencing joy especially the power of healing. What you can do to continue to have a positive mindset in the face of unexpected challenges. How we can see obstacles as just a new adventure and how to work through the pain that comes up in those moments. Why we should let the pain soak in and let it work through us so that it can teach us new lessons. The fact that the word, "natural immunity" has been blocked and censored all over on Facebook, Instagram, and Google. Why the ability to obtain natural immunity is all around us if we're willing to seek it. Ian's vision for Activation in the future as we see authentic, loving leaders being noticed more and more. What genuine love looks like and how we can live by it every day. Why we cannot produce love, we can only nurture and care for what is already there. What it means to him to truly honor Mother Nature and use its gifts to help people get back to homeostasis. Power Quotes From The Show Our Soul's Life Energy "There is this life energy that is here in our spiritual world that is keeping our body alive and we are souls. We don't have a soul, we are souls. One of the biggest revelations I had on my healing journey is that my body isn't me - My body is the host I live in and I mistook it for me very much. I would think, "Oh I have cancer," and "I have heart disease," but that's not possible. A soul cannot get cancer and a soul cannot get heart disease." - Ian Clark Be In Charge of Your Health "The body can get sick and they can call it names but the body is either going to misbehave itself and keep being addicted to the wrong foods and throw temper tantrums when you try to correct your body or it's going to come under subjection to you. You have to put your body under subjection to you; you have to take over. So, I literally told my body one day, "You are fired. You are absolutely fired." My body had been the CEO of my life but I, my soul, was going to change all that and take back being in charge." - Ian Clark Healing On Your Terms "You have to figure out for yourself what the most efficient time, money, and energy-wise way to heal is because you don't want to go broke getting healthy. Do not chase your tail all day long to be a health nut. You simply want to have top-level health based on the cards your epigenetics were dealt. Feed your body with Mother Nature's intelligence and you will unplug all of the pathways causing your body harm. You will see the difference in your brain function, your body, and your emotional IQ." - Ian Clark Links From Today's Show  Ian Clark Save 20% on your Activation Products order with code "WELLNESSFORCE" 353 Dr. Ben Lynch Oceans Alive Seaspiracy | Official Trailer Ease Magnesium Perfect K2D3 Bo Eason 15 Signs And Symptoms You're Probably Magnesium Deficient Amyloid plaques Leave Wellness + Wisdom a review on iTunes breathwork.io M21 Wellness Guide Wellness + Wisdom Community Activation Products YouTube Facebook Instagram Twitter LinkedIn Josh's Trusted Products | Up To 40% Off Shop All Products BREATHE - 20% off with the code “PODCAST20” Organifi –20% off with the code ‘WELLNESSFORCE' QI-Shield EMF Device - 20% off with the code "JOSH" SEED Synbiotic - 30% off with the code "JOSHTRENT" BON CHARGE - 15% off with the code "JOSH15" BiOptimizers - 10% off with the code "JOSH10" MANNA Vitality - 20% off with the code "JOSH20" Mendi.io - 20% off with the code "JOSH20" SpectraSculpt - 15% off with the code "JOSH15" SaunaSpace - 10% off with the code "JOSH10" Cured Nutrition CBD - 20% off with the code "WELLNESS FORCE" PLUNGE - $150 off with the code “WELLNESSFORCE" LiftMode - 10% off with the code "JOSH10" MitoZen – 10% off with the code “WELLNESSFORCE” Paleovalley – 15% off with the link only NOOTOPIA - 10% off with the code "JOSH10" Activation Products - 20% off with the code “WELLNESSFORCE” SENSATE - $25 off with the code "JOSH25" ION - 15% off with the code ‘JOSH1KS' Feel Free from Botanic Tonics - $40 off with the code "WELLNESS40" Essential Oil Wizardry - 10% off with the code "WELLNESSFORCE" ALIVE WATERS - 33% off your first order with the code "JOSH33" DRY FARM WINES - Get an extra bottle of Pure Natural Wine with your order for just 1¢ Drink LMNT – Zero Sugar Hydration: Get your free LMNT Sample Pack, with any purchase About Ian Clark When Ian Clark was just 46 years old, a number of life-threatening health issues slammed Ian all at once and he was then forced to start searching for solutions across the world. Refusing to accept the heavy dire circumstances where he found himself, he decided to pursue a natural path to fixing his health. Ian traveled the globe, uncovering potent remedies and whole foods with powerful natural health benefits. After over five years of intense research and learning what it takes to support the body's natural ability to heal itself, Ian set out to share that information with others. With his sons and the support of a team of innovators, Activation Products was born with Ian as a Trustee and quickly grew into a company that helps tens of thousands of people achieve their health goals every day.

Wellness + Wisdom Episode 569 When you take something for your body that makes you feel really good that's not a stimulant but something that's totally natural or superfood and nutrient-based and it turns on a bunch of switches, you're getting activated. When you feel good, you want to feel better and you may ask yourself if that's even possible and the answer is always, 'yes.' - Ian Clark Live Life Well from Sunrise to Sunset Save 20% with code "WELLNESSFORCE" on everyone's favorite Superfoods brand, ORGANIFI, including their Sunrise to Sunset Bundle and their Women's Power Stack that includes HARMONY + GLOW for true hormonal balance and great health radiating through your beautiful skin. Click HERE to order your Organifi today. Are You Stressed Out Lately? Take a deep breath with the M21™ wellness guide: a simple yet powerful 21 minute morning system that melts stress and gives you more energy through 6 science-backed practices and breathwork. Click HERE to download for free. Biohack Your Mind & Body with Plunge Ice Baths!Save $150 on your PLUNGE order with code "WELLNESSFORCE" As seen on Shark Tank, Plunge's revolutionary Cold Plunge uses powerful cooling, filtration, and sanitation to give you cold, clean water whenever you want it, making it far superior to an ice bath or chest freezer. *Review The Wellness + Wisdom Podcast & WIN $150 in wellness prizes! *Join The Facebook Group Founder and CEO of Activation Products, Ian Clark, shares the life-changing experience that led him to pursue a path of natural healing remedies, why reconnecting with his spiritual and emotional self was key to healing his physical body, why suffering will bring you real joy and how he uncovered the root cause of all his serious health issues. What if someone told you that you only have 1,000 days left to live? Would you treat your life differently?  Those are the questions Ian was faced with that led him to become the CEO of his body and take radical ownership of his wellbeing. 20% Off Activation Products Use the code “JOSH20“ at checkout. At Activation Products, they are committed to helping your body heal itself naturally and effectively... allowing you to live longer, look younger, and have a higher quality of life. And they're excited for you to be part of the family! They work hard to make premium products and supplements using the purest, most potent natural ingredients found on Earth. Their CEO and Founder, Ian Clark uses their products every single day. There is nothing in their product line that he wouldn't personally use. Listen To Episode 569 As Ian Clark Uncovers: (1:30) Ian's Gentle Journey Towards Greater Health (17:00) Become the CEO of Your Body (27:00) Our Oceans' Healing Wisdom (45:30) Which Supplements Should You Take? (1:00:00) Why Suffering Will Bring Real Joy Get the FREE Full Show Notes + Resources Here!⁠⁠⁠ ⁠⁠⁠Josh's Favorite Products | Up To 40% Off⁠⁠⁠ ⁠⁠⁠⁠Organifi - Save 20% with code "WELLNESSFORCE"⁠⁠⁠⁠ Activation Products - Save 20% with "JOSH20" ⁠⁠⁠⁠PLUNGE - Save $150 with code "WELLNESSFORCE"⁠⁠⁠⁠ ⁠⁠⁠⁠MANNA Vitality - Save 20% with code "JOSH20"⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MitoZen - Save 10% with "WELLNESSFORCE"⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nadovim NAD+ - ⁠Use code "JOSH20" for 20% off⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠SEED - Save 30% with code "JOSHTRENT"⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mendi.io - Save 20% with the code "JOSH20"⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Somavedic - Save 10% with "WELLNESSFORCE"⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠DRY FARM WINES⁠⁠⁠⁠ - Get an extra bottle of Pure Natural Wine with your order for just 1¢⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nootopia Zamner Juice - Save 10% with code "JOSH10"⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Botanic Tonics - Save $40 with code "WELLNESS40⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SaunaSpace - Save 10% with "JOSH10"⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Upgraded Formulas - Save 15% with "WELLNESSFORCE"⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Earth Runners - Save 10% with "JOSH10"⁠⁠⁠⁠⁠⁠ ⁠EnergyBITS - Save 20% with code "WELLNESSFORCE"

Just out of stealth mode, PCB Compliance Startup Confidee plan to provide frictionless compliance data for the supply chain of printed circuit boards. Their CEO, Vidar Olsen, joined me from their headquarters in Oslo, Norway to explain their vision to provide compliant printed circuits to all industries through proprietary developed software platform, protecting data with transparency by monitoring and reporting in your supply chain. Confidee translates as "whom we trust", and Vidar has assembled an exceptional to team to bring trust and visibility to the supply chain of their customers. You can learn more at https://confidee.com/Like every episode of EMS@C-Level, this one was sponsored by global inspection leader Koh Young (https://www.kohyoung.com) and Manufacturing Autonomy Specialist CloudNC (https://www.cloudnc.com).Like every episode of EMS@C-Level, this one was sponsored by global inspection leader Koh Young (https://www.kohyoung.com) and Adaptable Automation Specialist Launchpad.build (https://launchpad.build).You can see video versions of all of the EMS@C-Level pods on our YouTube playlist.

Introduction: Welcome to Five & Thrive: a weekly podcast highlighting the Southeast's most interesting news, entrepreneurs, and information of the week, all under 5 minutes.  My name is Jon Birdsong and I'm with Atlanta Ventures. This week it seems like so many representatives across the country of the investor community come to Atlanta for VentureAtlanta, what better way to start this week's podcast than with Raises of the Week.  Raise a Glass:  First is MileAuto out of the ATDC. CEO Fred Blumer raised $4M from existing investors including Ulu Ventures, Emergent Ventures and Sure Ventures. MileAuto provides auto insurance to low-mileage drivers through the use of computer vision and ML technology. That brings their total funding to $16M. Congrats to Fred and team.  Another announcement in funding is Greenzie with an $8M round that includes the strategic investment of Bobcat. This one is right in Atlanta Ventures' backyard as Founder and CEO, Charles Brian Quinn or CBQ started it out the Atlanta Ventures Studio just over 4 years ago. Today, there are mowers coming off the lot from manufacturers that are air quotes Robotic Ready to be activated by Greenzie's software to make them autonomous. This funding provides Greenzie resources to partner with several more manufacturers so in a not too far distance there will be dozens and then hundreds of mowers coming out of the productions lines ready for Greenzie's software to be turned as simply as Sirius radio, but instead of the Elvis Presley channel, it's autonomous mowing all the time. Congratulations to CBQ and team!  Product of the Week: This product is headquartered out of Birmingham, Alabama and designed to be your digital vault for all the key family documents in your nuclear and extended family. The company is called Prismm and it was founded by Martha Underwood. Think of all the important documents that are either saved on an external hard drive or in the cloud – most likely email or a desk drawer – that should be in a safe and secure location. Prismm is the place that keeps all of these documents organized, safe, and secure. Examples include documents around property & assets, financial accounts, and more. Say good by to the security deposit box and hello to the Prismm. Try the free trial today.    Hot Market of the Week: Last week Hypepotamus highlighted a product doing close to $10k MRR in the content marketing space called SuperCopy. Their CEO, Richard Lee from Georgia Tech has built a technology that takes a large part of the work load off of generating copy through what the industry and market it calling it “AI Content.” SuperCopy combines intent, tone of voice, demographic, and keywords for endless unique content. As that product was plastered across inboxes via Hype last week, just this week Jasper an AI Content software solution raised $125M at a unicorn priced valuation to generate content for blog articles, social media posts, website copy and more. And it was just released via Twitter but Lex.Page which has a waitlist of over 25,000 folks for Nate Baschez's new product. We put a link to his product demo in the show notes. So what is the excitement around content, AI, and marketers? The fight for eyeballs and ears is vivacious and any edge to produce more content in less time while maintaining, or enhancing the quality is going to produce substantial buzz. Check all of them out in the show notes below.  Companies Worth Applying Too: The popular pizza joint, Glide Pizza, started by Rob Birdsong (my older brother) is looking for an Ops Manager. They just opened their second location in Decatur and have plans to continue growth on the West Side and hopefully, eventually Buckhead or Brookhaven. With all that expansion on the horizon, they are looking for someone who makes sure all the trains or dough is tossed on time and nuts and bolts are as tight as possible around the early processes defined. If you're an operationally focused individual who loves physical locations and food, check out Glide Pizza and their growing enterprise.   Annnnd, that's 5 minutes. Thank you for listening to Five and Thrive. We provide 5 minutes of quality information, so you can thrive in the upcoming week. Please subscribe to the show and spread the good word!    Resources discussed in this episode: Raise a Glass: MileAuto Greenzie   Product of the Week: Prismm   Hot Market of the Week: SuperCopy Jasper Lex.Page - Demo Lavender    Companies Worth Applying Too: Glide Pizza