Podcasts about ultimate checklist

Summer in Iceland is just around the corner, so I'm diving into a topic that comes up a lot—how to dress and pack for summer in Iceland.Whether you're planning to explore glaciers, wander lava fields, hike to waterfalls, or just soak in the geothermal goodness, dressing right for Iceland's unpredictable summer weather is key to staying warm, dry, and comfortable. Summer Months in Iceland First things first, let's talk about when summer happens in Iceland. While summer technically runs from June through August, things start to warm up by mid-May and stay fairly mild through early September.But don't let the word “summer” fool you. Unlike tropical destinations, Icelandic summer is more about long daylight hours than high temperatures. Average Summer Temperatures On average, summer temperatures in Iceland range from 45°F to 60°F (that's about 7°C to 15°C). On sunny days, it can feel warmer—especially if you're hiking or layering correctly—but the wind and rain can sneak up on you. So, the key word here is layers! What Are Layers, and Why Do They Matter? If you're not familiar with the concept of layering clothes, here's a quick breakdown below with my recommendations: My Free Ultimate Packing Checklist for Summer in Iceland Essentials and non-essentials to pack for your summer adventure. In addition are my favorite summer pieces from 66 North and a 10% to save on that brand & more. Click Here The Base Layer This is your first layer, the one closest to your skin. It should be moisture-wicking, meaning it pulls sweat away from your body so you stay dry. Think lightweight wool or synthetic materials—not cotton. A good base layer helps regulate your body temperature, even when you're active.My recommendation for a Base Layer:Ljosfjöll Hoodie – Lightweight, breathable, and a perfect first layer against your skin. Keeps you warm without overheating. The Mid Layer The mid layer provides insulation. It traps heat to keep you warm, and you can add or remove this layer depending on the temperature. Fleece, wool sweaters, or insulated vests work great here. Think of this as your “cozy” layer.My recommendations for a Mid Layer:Kaldi Off White Sweater – This one is a classic Icelandic wool-style mid-layer. It's stylish, warm, and breathable.Tindur Pelican Jacket – A technical shearling mid-layer that works well alone or under a shell.Kellir Down Vest – A lightweight puffer vest that adds warmth without bulk.Kria Hybrid Hoodie – Water-resistant, warm, and highly packable. Perfect for high-energy hikes or windy coastlines. The Outer Layer This layer protects you from the elements—wind, rain, or even sleet (yes, even in summer). A high-quality shell jacket and weather-resistant pants will block wind and repel water, helping you stay dry no matter what Iceland throws your way.My recommendations for an Outer Layer:Snæfell  Shell Jacket – Fully waterproof and windproof. A must-have. I've used it on rainy glacier hikes and it held up beautifully.Borgir Women's Pants – These Gore Infinium pants are water-resistant, comfy, and move with you. Want to Save 10% on 66°North? If you'd like to save 10% on 66°North clothing—including the items I just mentioned—use this link. To see my favorite summer pieces from 66 North sold via Aktiv Style, use this link.What's extra awesome is that the link takes you to Aktiv Style, a U.S.-based company in Denver. They're the only U.S. retailer with exclusive rights to sell 66°North clothing. That means you can shop your favorite Icelandic outerwear and get faster shipping—no need to wait weeks for it to arrive from Iceland.All of my summer faves and much more are in my free Ultimate Checklist for Summer in Iceland. It also includes the discount link, and a discount code to save 10% on 66 North and all other brands on Ak...

Would you recognize a scam? We like to think we are savvy enough to avoid it. But, scams are becoming more and more prevalent and sophisticated. Making it even more likely to become a victim. Elder Care Coordinator Debra King speaks with Jim Hughes about how to spot a scam. Jim has spent the last 40 years becoming an expert in risk management and is the owner of Business Risk Solutions. Jim wants to offer listeners two FREE GIFTS in the links below: Identity Theft Protection (Must Have) TIPS for Seniors - Free Report https://business-risk-solutions.kit.com/80c3f42aa8 AND Cybersecurity Self Assessment "Ultimate Checklist" URL with KIT https://business-risk-solutions.kit.com/d06ed4644b

What does retirement really look like beyond the financials? In this podcast episode, Micah and Floyd discuss what life is like after retirement, focusing on more than just finances. They cover essential topics such as planning your daily routine, staying active, considering relocation, and having conversations with your spouse. The episode offers key steps to help you create a meaningful and fulfilling retirement. Don't miss this chance to gain the knowledge and confidence to embrace your next chapter with purpose and enthusiasm! https://zurl.co/UuUFl

In the ever-evolving landscape of personal and financial circumstances, regularly updating your estate plan cannot be overstated. In this episode of Parenting Impossible, I talk about why it's so important to keep your estate plan up to date. Life happens—families change, finances shift, and you might buy a new property or start a business in another state. That's why I recommend reviewing your plan every year and doing a deeper dive every three years, or whenever a big life event happens. From my own experience, I've seen how essential it is to adapt your plan so it truly reflects where you are in life. Working with the right attorney can help you address things like creditor issues and make sure your loved ones are taken care of, especially if you're managing unique needs or navigating state-specific rules. Estate planning might not sound exciting, but it's all about protecting the people and things that matter most to you.   In this episode, you will hear: Why it is important to regularly review and update estate plans. Key considerations when preserving assets for disabled beneficiaries. Why it is important to regularly update beneficiary designations. When estate plans should be revised when relocating to another state. Engage with us: Join our community: Circle of Care Visit:  https://annettehines.com Read Butterflies and Second Chances LinkedIn: @annette-hines-snc  Instagram: @parentingimpossible Facebook: @SpecialNeedsCompanies Twitter: @SpecialNeedsCo   Follow and Review: We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select “Ratings and Reviews” and “Write a Review” then a quick line with your favorite part of the episode. It only takes a second and it helps spread the word about the podcast.  

When navigating your first real estate wholesale deal, you might encounter a property with a complex title issue, and that's where a reliable title company becomes essential. In this episode, Todd Toback breaks down the Ultimate Checklist: 9 Things to Look for in a Title Company.Todd shares invaluable tips to help you build a winning partnership. Discover how to choose a title company that values you and makes your deals seamless! ---------Show notes:(0:45) Beginning of today's episode(1:52) Your title company should be your biggest fan(3:08) Look for somebody who will work on your file(5:18) They will prepare attendance for you(7:34) Look for someone who can do dry closing (8:50) They value you and you're not a burden----------Resources:To speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

Every marketing strategy requires a plan, email marketing, launches, social media - you can't success when you wing it. Podcast Guesting is no different. So in this episode I'm going to share the ultimate checklist to become a sought-after podcast guest that rocks the mic. I'll touch upon equipment, assets and a marketing plan and more Let's dive in. You can't simply show up on air, and hope the host asks you great questions and voila you are a great guest ready to receive new business from the episode.   Like every marketing strategy - you need a plan before you get started, you need equipment, assets to get booked, assets for the host and a marketing plan - so this episode is your checklist to start podcast guesting or to up your game to get booked on better shows, be a guest that gets introduced to other amazing shows and gets better results.    Head to https://LeverageYourPodcastShow.com to read the blog >>>Start creating consistent authority-boosting content with less overwhelm using this 4 step system.  Get the Podcast Leverage System Training at https://www.leverageyourpodcast.com/free >>Learn 3 Ways To  Leverage & Repurpose Your Podcast Guest Interviews To Boost Authority, Visibility, Leads & Sales - Free Guide & Checklist https://leverageyourpodcast.com/guest  

In this episode of Corralling the Chaos, Angela presents a comprehensive checklist for businesses navigating the complex process of choosing new software solutions. Designed for event professionals and tech decision-makers, the episode dives into the crucial factors that make or break a successful software choice. Angela covers essential topics, from evaluating product depth, understanding the provider's industry experience, assessing security standards, mobile accessibility, and onboarding timelines, to ensuring ongoing product development and customer support. By the end of this episode, listeners will have a clearer roadmap for selecting the right software partner to empower their teams and streamline operations.

Learn more about how you can prepare for retirement by downloading the complimentary Retire Your Way Toolkit - https://bit.ly/3AByl3Q Register for our next Journey to Retirement Online Workshop to learn about building a comprehensive retirement plan. - https://bit.ly/4aeNR1B  In this episode of Retiring Today, we explore how inflation affects your retirement savings and discuss strategies to protect your nest egg. Learn essential retirement planning concepts to maintain your purchasing power throughout your retirement. Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY® https://merkleretirementplanning.com/staff-members/loren-merkle/ Clint Huntrods, CERTIFIED FINANCIAL FIDUCIARY®, PhD, Retirement Planner https://merkleretirementplanning.com/staff-members/clint-huntrods/ Molly Nelson, Host of Retiring Today https://merkleretirementplanning.com/staff-members/molly-nelson/ --   This video does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or any other product or service by Merkle Retirement Planning LLC, Elite Retirement Planning LLC, MRP Insurance LLC, or any other third party regardless of whether such security, product or service is referenced in this episode. Furthermore, nothing in this episode is intended to provide tax, legal, or investment advice and nothing in this episode should be construed as a recommendation to buy, sell, or hold any investment or security or to engage in any investment strategy or transaction. Merkle Retirement Planning, LLC does not represent that the securities, products, or services discussed in this episode are suitable for any particular investor. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your business advisor, attorney, or tax and accounting advisor regarding your specific business, legal or tax situation.  Medicare services provided through MRP Insurance, LLC. Any and all other services related to insurance are an outside business activity and are not offered through or supervised by Elite Retirement Planning, LLC.  MRP Insurance, LLC, is not affiliated with or endorsed by any government agency. This is an advertisement for insurance. By responding to the ad, you will be put in contact with a licensed insurance agent offering Medicare Advantage Plans, Medicare Supplement Plans, and Prescription Drug Plans. We do not offer every plan available in your area. Currently we represent [5] organizations which offer [22] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Welcome to the second episode of our series on how to progress as an athlete. In episode one, we covered essential tips for beginners. Now, we're focusing on intermediate and advanced athletes. In this episode we cover:● Value-packed equipment upgrades● Vital race day strategy ● Maximizing training efficiency and intensity● How to analyse your data properly● And more! Whether you're new or experienced, this episode aims to help you go to the next level in your triathlon performance As always, this podcast is brought to you by our proud sponsors Giant Bikes. For all your bike training and racing needs, ride life, ride Giant. Timestamp:00:00 - Introduction02:00 - Dedication09:30 - Value Equipment Upgrades16:45 - Unshaved or Shaved Legs17:45 - Are Carbon Shoes worth it?22:10 - Smart Trainer vs Rollers25:00 - Is VO2 Max Testing nececcesary31:30 - How To Analyse Your Data Properly47:00 - Advanced Race Execution Tips55:20 - Final Mistakes to Avoid At This Level If you want to learn how to TRAIN SMARTER and RACE FASTER, you can join our weekly coaching email, just go to: getfastpodcast.com Some of you might already be in there, but many of you won't be and so this is our official invitation for you to come and join our free community: www.facebook.com/groups/trivelocoaching Check us out on Instagram: https://www.instagram.com/trivelocoaching/ Disclaimer: The Content in this podcast is in no way intended to be medical advice, treatment or diagnoses. None of our Content is intended to imply that any products mentioned, remedies or information provided are intended to prevent, diagnose, cure or alleviate a disease, ailment, defect or injury or should be used for therapeutic purposes. The Content is intended to assist you with running, cycling, swimming or triathlon and should not be substituted for medical advice by your healthcare professional. We do not accept any liability for any injury, loss, or damage incurred by the use or reliance on our Content.See omnystudio.com/listener for privacy information.

Starting triathlon training can be overwhelming with countless things to consider and buy. So, where should you begin? What's essential versus nice to have? Welcome to our mini-series on progressing as a triathlete. Today's episode focuses on beginners: key priorities for your time, effort, and money. We'll highlight what's crucial now and what can wait. Intermediate or advanced athletes, make sure you have these basics covered. Stay tuned for future episodes on advancing your skills further. As always, this podcast is brought to you by our proud sponsors Giant Bikes. For all your bike training and racing needs, ride life, ride Giant. Timestamp:00:00 - Introduction01:35 - Gratitude04:30 - Focus on What's Important (Ways to Improve Faster)09:00 - Basic Equipment for Beginners13:30 - Key Skills to Learn18:15 - Keep Training Simple23:00 - Data: Get Some Testing26:40 - Structure: Order of Importance28:00 - Technology and Right Set-up34:10 - Right Bike and Course37:30 - Right Nutrition and Hydration42:30 - Focus on Technique49:30 - Equipment Upgrades51:30 - Establish A Solid Base If you want to learn how to TRAIN SMARTER and RACE FASTER, you can join our weekly coaching email, just go to: getfastpodcast.com Some of you might already be in there, but many of you won't be and so this is our official invitation for you to come and join our free community: www.facebook.com/groups/trivelocoaching Check us out on Instagram: https://www.instagram.com/trivelocoaching/ Disclaimer: The Content in this podcast is in no way intended to be medical advice, treatment or diagnoses. None of our Content is intended to imply that any products mentioned, remedies or information provided are intended to prevent, diagnose, cure or alleviate a disease, ailment, defect or injury or should be used for therapeutic purposes. The Content is intended to assist you with running, cycling, swimming or triathlon and should not be substituted for medical advice by your healthcare professional. We do not accept any liability for any injury, loss, or damage incurred by the use or reliance on our Content.See omnystudio.com/listener for privacy information.

Welcome to another coaching episode! Today, I'm speaking with Mystral, a massage therapist and energy worker out of New York City. Her service-based business is growing well, but an idea for a product-based business naturally spun off from it that she wants to explore. She wants to launch a tea business with as few mistakes as possible. First we start with ideation, then making the product, and then moving on to branding. Each step builds up to the next. We start by honing in on what she's actually going to sell, and then go over what it costs to make the product. From there, we take a look at how to price and position her teas to make sure she's selling for not only a profit, but also to the right people.I applaud Mystral for seeking out support in these early stages of her product-based business to give her the fast-track to success. That's what the Product Boss is all about: giving you the tools you need to avoid the mistakes most product business owners make!Resources:Follow The Product Boss on Instagram @TheProductBossGrab the Ultimate Checklist for Building Your Dream Product-Based Business: TheProductBoss.com/dreamJoin our brand new program, ‘Stand Out Society,' an 8-week program for product businesses looking to breakthrough to get more customers and stand out in a crowded market. Stand Out Society is open to anyone who sells products- whether you're just starting out or have been doing it for years. We'll cover what your business needs foundationally to get your product in front of your target audience. If you want to be taught live, in a group setting, become a founding member of Stand Out Society today.Connect:Website: theproductboss.comInstagram: @theproductbossMentioned in this episode:Another BiteListen to Another Bite wherever you get your podcasts.Another Bite PodcastHubSpotGet started for Free with Hubspot CRMHubSpot 2024

For this week's episode, I decided to try something a little bit different and take you with me, in real time, an actual filing process for a Canadian copyright registration for my online program, The Canadian Online Legal Template Library. Today you'll hear about:The reasons why you would want to register a copyright What the actual process looks like to file a copyright online and how to find the right form and login for your needs How to properly file ownership plus some other important things to consider for the future What the declaration is and the way to choose the best option for your situation A closer look at the payment and filing process on the website The difference between a copyright and a trademark So strap yourself in and come along for the ride, as I take you through the process on the website and click on menus to show you what is involved in this process. The links to the resources I mentioned in this episode are listed below, and for more valuable resources, including my Ultimate Checklist for Running a Business Online in Canada, don't forget to visit my website at www.legalmybiz.ca/. Mentioned in the episode:Canadian Intellectual Property Office Spreadsheet to Track Important Copyright Details How Does My Content Get Protected By Copyright?—Listen to Get It In Writing on Apple, Spotify or wherever you catch your favorite podcasts!For more please visit my website at  Legalmybiz.ca. You can connect with Corinne on Instagram at www.instagram.com/legalguidecorinne/ or by email, corinne@legalmybiz.ca. 

In today's world, we are inundated with so much media and more information than we can typically handle! Plus, with the way the economy is and inflation, customers are not spending as much as they used to spend, especially with small businesses. So what can you do to position your brand in a way that deeply resonates with your ideal customer? Today I'm going to teach you the magic formula to standing out in a crowded market, and it all comes down to: product positioning. AKA carving out a unique space in your customer's mind where your product is not just seen, but sought after.You don't need to reinvent the wheel, but you can redesign it in an authentic, and impactful way that resonates with your target episode. Tune in now to learn how!Resources:Follow The Product Boss on Instagram @TheProductBossGrab the Ultimate Checklist for Building Your Dream Product-Based Business: TheProductBoss.com/dreamJoin our brand new program, ‘Stand Out Society,' an 8-week program for product businesses looking to breakthrough to get more customers and stand out in a crowded market. Stand Out Society is open to anyone who sells products- whether you're just starting out or have been doing it for years. We'll cover what your business needs foundationally to get your product in front of your target audience. If you want to be taught live, in a group setting, become a founding member of Stand Out Society today.Connect:Website: theproductboss.comInstagram: @theproductbossMentioned in this episode:HubSpotGet started for Free with Hubspot CRMHubSpot 2024Another BiteListen to Another Bite wherever you get your podcasts.Another Bite Podcast

Just like your wardrobe needs a seasonal refresh, your Pinterest account deserves the same spring cleaning treatment. Let's ditch those dusty old pins and make room for fresh, engaging content! Spring has sprung, and it's not just your closet that needs a refresh! Your Pinterest account could probably use a little sprucing up too. A well-maintained Pinterest is a powerful tool for getting eyes on your brand, so let's roll up our sleeves and get to work. See the show notes and get all the links: ⁠⁠ https://jenvazquezcoach.com/pinterest-spring-cleaning-the-ultimate-checklist-for-a-fresh-start/ Sign up for my new Pinterest Challenge! ⁠https://thepinterestqueen.com/challenge⁠.

After 20 years of coaching product bosses and running my own product businesses, I can immediately recognize certain gaps and missteps that happen in almost every new business. Recently, I thought of it in a different way: What kind of checklist would I put together if I were starting a new product business today? What steps would I take, and in what order, to make sure that I'm creating a foundation in my product business to get in front of my customers and make consistent sales from?That's why I created the Ultimate Checklist For Building Your Dream Product Based Business which takes this framework and narrows in on the four key areas you need to focus on nailing to build the solid foundations of your business.In this episode, I review my 7-step framework that I would use to start a product-based business and also give you a clear roadmap of the four key areas you need to nail to start building the dream business you deserve.Resources:Grab the Ultimate Checklist for Building Your Dream Product-Based Business: TheProductBoss.com/dreamStruggling to create content for your business? Don't know what to say or how to even make time to say it? We've got what you need: Sign up now for A Year of Content. We're going to teach you how to make awesome content that brings in new customers and yes, is even fun to create. Sign up today and get our A Year of Content training package valued at $829 for only $37!Connect:Website: theproductboss.comInstagram: @theproductbossMentioned in this episode:HubSpotGet started for Free with Hubspot CRM HubSpot 2024DTC Pod Listen to DTC Pod wherever you get your podcasts. DTC Podcast

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When it comes to renovations, you can always expect a little bit of stress. I always tell my clients to expect the unexpected. However, there are some things that you can do to make the whole process go a lot smoother, whether you're planning a reno for a small room or a whole house renovation. By following our checklist and doing your due diligence, you can ensure that you've done everything possible to make the job run a little smoother. You can find complete notes for this episode here on our blog. We welcome your rating on this episode, and look forward to having you follow our podcast. If you live in the Durham Region or Clarington area, and are interested in booking a quotation with us, click here to contact us or book your preferred appointment time. Visit our blog at: https://www.multitradebuildingservices.com/news

My guest this week is Samantha Buckley, PharmD. Medical Science Liaison at SOBI who discusses the ultimate checklist for new MSLs. Learn more about…

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This is part 2 of a series with Colm McEvilly   Colm McEvilly works with an internal team and directly with prospective and current investors to guide them to the projects that best fit their needs and their goals. In 2018, he took the plunge out of the corporate world and into full-time real estate investing, where he heard he leveraged his engineering background and the data-driven investing methodology that he had learned.    Show summary:  In this episode, Colm discusses the importance of a systematic approach to real estate investing. He introduces a four-step decision-making process and emphasizes the importance of vetting sponsors, analyzing the market, evaluating the investment, and understanding deal numbers. He also shares resources for gathering market information and understanding laws and risks. He further explains different types of investors and the importance of understanding lending information and deal numbers. He advises thorough vetting of sponsors and emphasizes the value of quality asset management. He also recommends asking for underwriting screenshots and having a direct conversation with the investor.   -------------------------------------------------------------- Intro [00:00:00]   The Decision Making Process [00:03:03]    Vetting the Sponsor and Partners [00:07:32]    Analyzing the MSA and Submarket KPIs [00:09:05]    The average income growth and neighborhood analysis [00:09:41]    Schools and their importance in real estate investment [00:10:40]    Understanding investment strategies and deal numbers [00:16:59] --------------------------------------------------------------   Connect with Colm:  Instagram: https://www.instagram.com/tga_ip/  Web: tgaip.com  Linkedin: https://www.linkedin.com/in/colm-mcevilly-1480b94a/     Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Colm McEvilly (00:00:00) - If you have a process, it puts you in the driver's seat with a clear checklist. It demystifies the process, it gives you control, it saves you headache and heartache. And you know that you're investing for the right reasons.   Intro (00:00:12) - Welcome to the how to Scale Commercial Real Estate show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:25) - This is part two of a series with Colm Machiavelli. If you want to pronounce his last name correctly. For those of you that don't know, Colm has gone from an engineer to an investor advocate, and his journey has gone from serving himself to want to serve a community. Part two of this. I'm excited to have you back on the show here today. Colm, how's it going?   Colm McEvilly (00:00:43) - It's going fantastic. We're going to dive into this quickly and we're going to have in the show notes, a place for you to reach out to me if you want to dive in to your own personal investing journey to talk about the process we're going to go through, why don't you let me share my screen for those that are able to see what we're looking at and so share screen.   Sam Wilson (00:01:03) - Yep. You should be able to to share that. Yeah. If you're watching this on YouTube, this would be a great one if even if you don't watch the show on YouTube, this would be a good episode to go and actually see. See what Colm is sharing with us here today, because this is going to be great.   Colm McEvilly (00:01:16) - So you see the screen, right?   Sam Wilson (00:01:18) - I do.   Colm McEvilly (00:01:18) - Okay. So this is building off part one. Part one talked about investor biases. And so these are the three different biases that investors have when they're going into every decision. We talked about that at length. If you haven't heard about it go the other podcast. If you want more information I would recommend these books. Thinking in Bets how to decide. This is a professional poker player. She talked extensively about the decisions that we make and how everything's a gamble and how when you're an investor, one of the things that you could do to provide a sense of momentum is decide what level of risk certain numbers and certain decisions are for you, and then you can create a matrix and decide that way.   Colm McEvilly (00:01:59) - And the whole purpose is to have consistency with your investor making podcast investor making decisions. Episode 245 on Cash Flow Connections with Hunter Thompson is an episode where he interviewed this poker player, Annie Duke. And when I heard that episode years ago, this was probably 2 or 3 years ago. We? I just thought, wow, this applies so much to the investors that I was serving at the time. And I noticed that when I talked to software engineers that they had a real process that was tangible. But when I talk to investors that were more emotional, let's say usually physicians are pretty. They're making a lot of emotional decisions. They would go back and forth on the progress of their decision, and the result was that they never made a decision. So they're sitting on the sidelines. They weren't happy, they weren't getting anything done. And I had to come up with a tangible process for them to actually feel like they were in control of their decision making process. And just recapping. If you have a process, it puts you in the driver's seat with a clear checklist.   Colm McEvilly (00:03:03) - It demystifies the process, it gives you control, it saves you headache and heartache. And you know that you're investing for the right reasons. So this is the process that I teach my investors to go through. And there's four different key columns, key quadrants. Think of it like a submarine. And you need and you need to fill up each level of the submarine, each room of the submarine before you move to the next. And the key thing I want to call out is notice that deal numbers is all the way at the end. It's not at the beginning. And so there's a couple of reasons for that. One, what if the investment strategy doesn't even work with what you're looking for? The deal numbers don't matter. What if the market has laws or developments or big, big, you know, units nearby that doesn't align with what you think is best for your the use of your money, then the deal numbers doesn't matter. And then what about the sponsor? What if the sponsors unethical.   Colm McEvilly (00:04:01) - You know, anybody could put 15% IRR in the Excel spreadsheet cell box. Is that is that actually a conservative number? Are you looking at the actual rent escalations. Is that matching the market information. So just know that deal numbers are at the end. You need to vet the sponsor. Then you need to look at the MSA and the area. And then you need to look at the investments. And eventually, you know, like I trust Sam, I've invested with Sam before. I trust him as a sponsor, so I don't need to to do this. So so what I'm saying is that this decision making process is going to be a little bit shorter in the future. I will still look at the MSA in the area in the investment and the deal numbers, because that might be something particular to my needs at the time. Maybe the liquidity timing of the deal is is really important to me. So I need to look at this third stage, which is the investment stage. Right. So but but just driving into this and again you could reach out to me, we could set up a call.   Colm McEvilly (00:05:01) - There'll be there'll be my contact in the show notes. But the first thing you want to do is always have a phone call, you know, is there even a real number on the website? You know, is there is there a real number on. There's a real number on on on Brecken right on your Brecken website.   Sam Wilson (00:05:14) - Oh there.   Colm McEvilly (00:05:15) - Better then know I know, I think I know there is.   Sam Wilson (00:05:18) - I mean it's got to be at the bottom or it's under a contact. Go. We just launched the new website last week.   Colm McEvilly (00:05:24) - Yeah, it looks really good, I saw that. Oh, by the way, you put you.   Sam Wilson (00:05:29) - Did put a review from you. Thanks, buddy.   Colm McEvilly (00:05:31) - Yeah, but you put, you put my last name was with an E instead of M. Not that it matters.   Sam Wilson (00:05:36) - Oh, well, then that's. I got to go back to our website, guys. Hey, we're getting off track here, and you have told me something even already here called my website.   Sam Wilson (00:05:47) - I mean, which you can find my contact info all over the internet, but it it doesn't have our phone number there at the footer. We need that. Hey, I'm sorry, we're getting off track here. What you're doing here is really good. But no, we don't have a phone number there at the footer. Yes, there is at least 100 phone numbers. Probably on there.   Colm McEvilly (00:06:04) - Those are called trust statements. You should actually have a couple different numbers. And then side note, if you are raising capital one of the best websites to file file to follow a site. Tuners. See you notice his phone number up here. There's lots of there in marketing it's called they're examples of trust. You know you have the referrals in here. We're jumping off topic but just know if you want to look if you're building a money raising website go to Site Tuners and you can actually reach out to them and get a free free contact. They can help you optimize your website. Oh that's. Yeah.   Colm McEvilly (00:06:36) - And we could talk about that later. So Brecken and then back to the decision making processes. So you want to have a phone call with them. And you want to look at their track record and not just look at what they are projecting, but what were their actual returns. And referrals is really important. A lot of times I'm working with physicians. They only want to talk to another physician that invested with us. So if you're if you're raising money, again, not just if you're an investor, but if you're raising money, make sure that you have the different occupations of your investors separated and tagged, because you're going to have different investors that are going to want to speak and receive information in a unique way, that they're probably going to hear it better from someone that has the same job as you. So just a side note, but but when you're asking for referrals, maybe ask for somebody that has the same job as you because they're going to care probably about the same things as you as an investor.   Colm McEvilly (00:07:32) - The strategy. So different types of strategy. Right now I'm I'm not so bullish on multifamily. I'm more so bullish on alternative assets. I think multifamily is going to be I think there's going to be a correction. And I'm interested in looking in multifamily in a couple of years from now, unless there's a super sweet deal because but the point is, I know my strategy right now and I've moved a little bit away towards multifamily. I'm in alternative assets, I'm in storage, I'm in industrial with some with some really good sponsors. And then think about this. You know, they always say that your closest five friends are going to predict are kind of like a, a microclimate of what you're going to become. If you have five, five friends that are way out of shape and you're probably going to become out of shape, right? Right. So the partners so understanding who your sponsor has partnered with, why and then learning about those partners, are those partners ethical. Like what have those partners done.   Colm McEvilly (00:08:36) - And and then also asking your sponsor why they partnered with that particular sponsor. Because that could show that could be, you know, you're peeling the onion back and learning about why the sponsor partner with somebody else. Because that could show where the sponsor feels like they might not be super strong or might not have enough resources. And time is a resource. And so learning about your sponsors partners is really important. And then.   Colm McEvilly (00:09:04) - So that's the that's the.   Colm McEvilly (00:09:05) - First quadrant or not quadrant. And that's the first step in in this decision the decision making process. And again decision quality equals your life quality. You your decisions in every area how you do one things how you do everything. So now we're going to dive into the MSR. And there's my old partner Neil Bawa had this thing called location magic. I can send you the link for it. It's really good on identifying key KPIs and submarket KPIs. So for example, I want to look at the population growth, the job growth, and I want to look at the crime and the average condo value.   Colm McEvilly (00:09:41) - I want to look at the average the average income growth. And there's certain metrics. And you can reach out to me, I can give you those metrics that are my lowest growth requirements for for Metro. And then I want to look at the neighborhood. I want to look at the the poverty levels. I want to look at the crime levels. I want to look at the income levels. I want to look at the rent levels for that neighborhood. And again, job growth. You can even sometimes look at job growth and neighborhood Scout USA data. There's a lot of really good websites that are out there that can give you KPI metrics. Actually, I can pull up. So here's here's a couple different fee based softwares that will help you with identifying market and submarket information. So we have ry indicator. Neighborhood scout Ryan Ryan is really good for the debt. So that's probably if you're raising capital trying to buy buildings or buy assets, it's really good for because you'll know the timing of when people have to sell or when they have to get new, new financing.   Colm McEvilly (00:10:40) - Best places. Net best map. Those are some free ones. Data using Google search. Crime grade Dawg city data. Department of numbers. Those are some free ways to look at submarkets. And actually I'm going to I want to show you one thing for schools. When you're when you're investing in B and C classes or when you're investing in a in. B classes, the schools are more important. Important if you're investing in a C class, crimes more important to attend it. Just just understand that. But if you want to find out where to get more information on good schools Niche.com Greatschools.org justice. Org. Those are a couple of really good resources for finding out good schools. Again, go back to the a couple minutes back in this YouTube video and you can see those those free and fee services laws and risks obviously rent control understanding if it's even impacting or not. Where I live right now we have rent control but it's CPI plus 8% and Cpi's like 8%. So I can raise my rent 16% every year.   Colm McEvilly (00:11:49) - You know, that's it's okay. Yeah. Northern California has rent control. But is it even you know that's that's pretty high every year municipality. So this has to do with with understanding different laws. There are some really good websites for understanding the amount of permits and developments that are coming in your area. That's really important because if you have a development that's huge, 200, 300, 400 units that are going in across the street, and you're going to probably have to give up a couple of months of free rent. That's going to kill your cash flow for the first year. So that's something to think about. Unit count, square feet. Just know that that in times of recession, people like more bedrooms and more bathrooms. People huddle together when money is tight, and so just having more bedrooms and bathrooms are they're more desirable in a time of recession. But at the same time, they'll probably stay there longer because they're going to have more, more crap there. And then understanding that people will typically choose a bigger square foot facility than than a small or bigger square foot.   Colm McEvilly (00:12:59) - Apartment in a smaller square split apartment, and then just understanding what your asset class and what's the strategy behind that asset class for that investment. And we're going through here quick. Again, we could always talk I got five more minutes right. Yep. Okay. So this third level is the investment. And you can read this. You can pause the video. But we're going to start with tax benefits. There's three types of investors. There's there's growth investors. There's cash flow investors. And then there's tax deferment investors. And so just understanding why are you investing this particular thing. You know an investment in a multifamily investment in a new development investment are going to have different they're going to have different types of depreciation benefits. Right. You know, typically, if you have more than $3 million deployed, you're a cash flow and cash flow investor. And then if you have less than that, you're an equity growth investor. That's just kind of what I noticed from dealing with with I probably had 6000 investor calls, the NOI strategy.   Colm McEvilly (00:14:03) - So what's the strategy that they're doing to implement to increase the net operating income? What's the lending info? This is crushing people. Right now, there's $1.5 trillion of debt that's about to come up at the end of their term. What are those people going to do if if the income or the worth of the property is actually less than, then what it needs to be in order for them to to get new debt, you know, maybe if they're DSR as 1.0, they're not going to be able to get new debt. So they might have to sell. So just knowing what your lending info is, what your LTV, LTC, your when's the interest only term and and how that affects your your bump and your your balloon payment, not your balloon payment, but how it affects the increase of the of the mortgage on a monthly level when you're no longer interest, only if that's what the structure is and understanding the distribution schedule. I don't personally care if I get one check a quarter or one check a month.   Colm McEvilly (00:15:04) - I have so many different investments I don't even look. I mean, I look at all the reports, but to me, I'm going to get the money eventually. I partner with people again. The number one thing I do is I check the sponsor. I partner with people I really trust, people that have a great track record. So the distribution schedule, if it's monthly, quarterly, weekly, you know, with, with some of this new. Bit tokenization of real estate. You can actually have daily distributions, but I don't know if that is even something that's attractive to somebody. And then forms de filing. Just making sure that, you know, it's a real entity that you're sending your money to. But you probably already knew that because you vetted the sponsor. And then the last, the last we have two minutes for the last section, which is the deal numbers, understanding the CapEx, the reserves and the operational budgets. That's really important. And sometimes the CapEx or the reserves are huge.   Colm McEvilly (00:16:02) - And you go, why do we have $5 million of reserves? And they say, well, we're raising this distribution reserves. It's like, wait, you're raising money just to give me back my own money? What the heck is that? You know, but that's a that's a project that I came across about a year ago. It's kind of funny understanding the fees. You know, sometimes the fees are steep, sometimes they're not. But the truth is, you you think that, you know, you need to pay some sort of fees. You want to pay for someone to have some resources to actually implement good asset management. So asset management fees and property management fees, you get what you pay for. A lot of times it's like it's like olive oil. If you if you buy a cheap bottle of olive oil, it's probably fake. But if you buy an expensive bottle of olive oil, it's more likely going to be real than fake. It could still be fake. So the same thing applies with with the fees that have to do with asset management.   Colm McEvilly (00:16:59) - Really important. You think you think that you know, you think it's expensive working with a professional. Try working with an amateur like you get what you pay for, right? Yeah. Ask for the underwriting. I love it if they don't want to share the underwriting with you. That's a huge red flag. And you don't need you don't need the the actual model. You don't want the model because you might get an Excel version that doesn't line up with the version that you have, and it opens up and all the numbers are like, they're gone, they're off. Right? And you just ask for a PDF screenshot of the underwriting, and if you want further information, you should be able to have a phone call with their investor relations person like myself or, you know, the partner like Sam. And they should be able to speak eloquently through the entire numbers with you. Ask for the underwriting.   Sam Wilson (00:17:48) - That's one thing. And we have to we have to hit stop here, unfortunately. But this is awesome.   Sam Wilson (00:17:53) - By the way, what you've shared today is really good because this applies both to the people out there raising capital and also to the people out there looking to deploy their money into investments. The strategy is the same. It's just on which side of the table you are and how you're looking at this. One comment on the underwriting is I actually asked for the Excel model, and so maybe I'm a little bit different in that regard, but I asked for the Excel model just so I can play with the numbers and see how they change. Or it's like, okay, good call out. Like that's your assumption. Like you assume there's an 8% rent growth, but what happens if there's a -3% rent growth, like, oh yeah, you know, I don't know. That's just one of the strategies that I as a personal when I deploy capital into into other investments as a limited partner that I 100% of the time ask for the Excel model. Anyway, on that column, if our listeners want to get in touch with you, learn more about you.   Sam Wilson (00:18:43) - What's the best way to do that?   Colm McEvilly (00:18:45) - My email is column at TGR. That's that's column at TGR. And and there'll be some show notes.   Sam Wilson (00:18:57) - Absolutely. Column. This is great dude. Maybe we got to come back for round three. But thank you again for your time today. This has been absolutely fantastic.   Colm McEvilly (00:19:06) - Hey. Thanks, Sam.   Sam Wilson (00:19:06) - Hey, thanks for listening to the How to Scale Commercial Real Estate podcast. If you can do me a favor and subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.

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