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This Podcast Is Episode 646, And It's About Insights For Small Construction Business Owners Post-Disruption The past few years have been challenging for small business owners everywhere. For contractors, the global disruptions—pandemic shutdowns, supply chain bottlenecks, labor shortages, and inflation—hit especially hard. Projects were delayed, material costs spiked overnight, and cash flow felt like a rollercoaster.   If you're a small construction business owner, you've lived through it. And while it's been painful, it's also been a powerful teacher. As construction bookkeeping specialists, we've had front-row seats to see how disruptions shook contractors and what strategies helped them survive—or even thrive—despite the chaos.    Here are the key lessons learned from global disruption that every small contractor should carry forward.   1. Cash Flow is King When the world turned upside down, it wasn't just about profits on paper—it was about cash in the bank. Contractors who had substantial cash reserves or disciplined systems for separating money (using methods like Profit First) were able to weather late client payments, supply delays, and unexpected expenses. Those who ran lean with no buffer struggled the most. Many relied on credit cards, lines of credit, or personal savings to keep projects moving. Lesson: Always budget with a cushion. Build a reserve fund equal to at least two to three months of operating expenses. Cash flow isn't a luxury—it's survival. 2. Material pricing can change overnight Lumber tripled in price. The costs of concrete, steel, and copper spiked. Even basic items like drywall screws saw shortages. For contractors who bid on jobs months in advance, these increases wiped out their profit margins. The most resilient contractors learned to: Add price escalation clauses in contracts. Limit the validity period of an estimate. Communicate openly with clients about material volatility. Lesson: Build flexibility into your pricing. Protect yourself in writing from market swings you can't control.   3. Diversification builds stability Some contractors relied heavily on one type of work, such as extensive remodels or commercial tenant improvements. When those markets slowed during lockdowns, their revenue disappeared. Others had more diversified income streams—such as small service calls, maintenance contracts, consulting work, or digital products—and were able to pivot. Lesson: Don't rely on one type of project or client. Diversify your work mix so when one stream slows, another sustains you. 4. Relationships matter more than ever When suppliers had limited stock, who got the materials first? The contractors have strong, long-standing relationships. When crews were in short supply, which subs stuck around? The ones treated fairly, paid promptly, and respected. Lesson: Invest in your relationships. Pay suppliers and subs on time. Be transparent with clients. In times of disruption, trust and loyalty can save your business. 5. Technology isn't optional anymore The pandemic accelerated the adoption of technology across the industry. Contractors who relied only on paper receipts, hand-written invoices, or in-person meetings found themselves at a standstill. Those using cloud-based bookkeeping, project management apps, digital invoicing, and video calls continued to move forward. Lesson: Adopt technology before you “need” it. Utilize digital systems for bookkeeping, estimating, contract management, and communication. It's not about replacing personal touch—it's about being adaptable when disruptions happen. 6. Lean teams are resilient teams   Many small contractors discovered they were carrying extra overhead—unused office space, underutilized vehicles, or administrative costs that didn't directly produce profit. During global disruption, reducing the crew to essentials, subs, and systems made survival possible. Lesson: Know your actual costs and eliminate waste. A lean operation is easier to sustain through downturns and easier to scale when demand returns.   7. Communication is your strongest tool   One of the biggest frustrations during disruption was uncertainty. Clients wanted updates. Subs wanted to know if they'd be paid. Suppliers were vague about delivery dates. Contractors who communicated clearly—even if the news wasn't good—earned respect. Those who stayed silent or overpromised quickly lost trust. Lesson: Make communication a priority. Share updates often and honestly. It builds confidence, even when circumstances aren't ideal.     8. Mental health and burnout are real   Global disruption didn't just strain finances—it strained people. Many contractors burned out from trying to keep jobs going under impossible conditions. Some worked longer hours to break even. Those who emerged stronger learned to set boundaries, delegate, and take care of themselves as much as they did their businesses. Lesson: You can't build a sustainable business if you're running on empty. Take time to recharge. A healthy owner leads a wholesome company.   9. Long-term planning beats short-term panic   Disruption exposed those who were running their business reactively and those who had systems in place for long-term stability. Contractors with business plans, financial tracking, and clear goals were able to make adjustments without losing direction. Those who made decisions only in the heat of crisis often compounded their problems. Lesson: Develop a Long-Term Strategy for Your Business. Even if the world shifts, you'll have a framework to guide your choices.   10. Adaptability is a competitive advantage   Perhaps the biggest lesson? The contractors who survived weren't always the strongest or the biggest—they were the most adaptable. They adopted new ways of working, revised their bidding process, experimented with various marketing approaches, and weren't afraid to adapt their business model. Lesson: Stay flexible. The ability to pivot quickly is more valuable than size or experience.   Final thoughts Global disruption has left scars on the construction industry, but it has also left lessons that we can't ignore. For small contractors, the takeaway is clear: Protect your cash flow. Write airtight contracts. Diversify your work. Invest in relationships and technology. Prioritize communication and your own well-being. Disruptions may come again—whether global or local. But the lessons you've learned now can make your business stronger, more resilient, and more profitable in the long run. About The Author: Norhalma Verzosa is a Certified Construction Marketing Professional and serves as the Web Administrator of Fast Easy Accounting, located in Lynnwood, WA. She holds a Bachelor's Degree in Psychology and is a Certified Internet Web Professional, with certifications in Site Development Associate, Google AdWords Search Advertising, and HubSpot Academy. She manages the entire web presence of Fast Easy Accounting using a variety of SaaS tools, including HubSpot, Teachable, Shopify, and WordPress.

DM “NUTRITION HACKS” To @ ColossusFitThe first 20 lbs come off with effort. The last 10? That's a game of precision, patience, and discipline.(0:00) - Intro1- (01:25) Dial in Nutrition w/ precisionTighten tracking/start trackingMeasuring cups, food scales, limit random costco snacks, kids snacks etc.“I want to lose fat but don't want to track”2- (05:17) Increase OutputIncrease steps & cardio to ensure you're in a bigger deficit3- (08:35) Ensure you're using data properlyDaily weigh-ins, weekly averagesProgress photos, measurements4 (11:51) - Utilize advanced ToolsMost important one here, the last bit of weight comes off with patience and consistency.Being honest with yourselfSet a new standardAdd in diet breaks, refeeds, reverse diets, etc as you see fit5- (14:44) Lifestyle & Recovery -Focus on sleep and stress managementCut out alcohol6- (17:13) Mindset & PatienceMost important one here, the last bit of weight comes off with patience and consistency.Being honest with yourselfSet a new standardThanks for listening! We genuinely appreciate every single one of you listening.➢Follow us on instagram @colossusfit➢Apply to get your Polished Physique: https://colossusfitness.com/

With World Mental Health Day approaching next week, today's episode features host Emily Hargrove, NSSGA's Director of Occupational Safety and Health, as she explores the critical link between mental health and workplace safety in the aggregates and mining industry. Highlighting how an individual's mental well-being directly impacts their ability to work safely, she reveals the ways in which stress and anxiety affect job performance and overall safety. Emily transparently shares her journey, details how exposure to serious incidents in her safety career impacted her mental state and led to burnout, and advocates for mental health as a core safety issue, not an "extra." She stresses normalizing discussions on mental well-being and seeking support via counseling or EAPs, as well as the vital role of leaders' in fostering a psychologically safe workplace. This episode reminds us all that every day, and especially World Mental Health Day, is the right day to champion a holistic approach to occupational safety to nurture both the body and mind of the workforce. Main Themes: Mental health is a core safety issue. Workplace stress impacts focus and job safety. Emily shares her personal safety career's mental toll. Normalize conversations on mental well-being and counseling. Utilize mental health resources like EAPs. Leaders must encourage mental health support. Foster a psychologically safe workplace for the "whole person." Insights for aggregates, mining, and industrial safety to improve safety culture. Toolbox Talk Discussion Questions: In this episode, Emily shares with the audience about how mental health is key to safety and health. How do you describe our company culture around mental health? Are there any areas for growth?  Emily shares that during her career, working daily with materials about serious injuries and fatalities and STCKY (stuff that can kill you) started to impact her mental health. She was able to reach out and get support. Does everyone know how to access our Employee Assistance Program?  Does anyone have a story they would like to share about mental health and how it can impact our daily work?  Key Takeaways: "It shows up in their focus, their decision making and ultimately their safety on the job." "The risk of a mistake goes way up. And in this line of work, one small mistake can have very serious consequences." "That's why mental health is really a safety issue. It's not an extra or a soft topic. It's at the core of keeping people safe." "Everything became STCKY and it really had an impact on my mental well being and how I was walking around in the world." "I realized I needed some help. I needed an outlet to talk about and process those parts of my job and how it was affecting me." "We need to normalize, talking about counseling, about therapy, about needing outlets for help and support with our mental health." "We should feel comfortable checking in on how people are doing mentally, not just physically." "The strongest safety culture is one that takes care of the whole person because our people are our most important resource and supporting their mental health supports everything we do." Links: National Stone, Sand & Gravel Association website Take Control: Prevent Serious Injuries and Fatalities: https://www.nssga.org/industry-priorities/health-safety/take-control-prevent-serious-injuries-and-fatalities Mental Health Resources: https://www.nssga.org/industry-priorities/health-safety/safety-month-2025

We're so back.Alex is one of the best people i know, as a person and coach, he's one of one and he has one of the more unique stories in the industry in my opinion. He brings an incredible variety of expertise and experience, it's always a pleasure to talk to him and learn from him. Make sure you guys tune in all the way until the end for a special announcement!Make sure to follow both Alex and I on socials and share this if you took some value from it. My IG: https://www.instagram.com/byanymeanstc/Silva IG: https://www.instagram.com/byanymeanssilva/

In hour 2, the WIP Midday Show are exploring, as AJ Brown's skills could be declining, new ways the Eagles could use AJ Brown to get him involved more. Plus, Eagles sideline reporter and Phillies beat reporter Devan Kaney joins the show to talk both Eagles and Phillies

The Latest Breakthroughs in LG-IR-NMIBC (2025) CME Available: auau.auanet.org/node/43689 After participating in this CME activity, participants will be able to: 1. Apply updated clinical evidence and treatment protocols for low-grade, intermediate-risk non-muscle invasive bladder cancer (NMIBC) in appropriate patient cases to reduce recurrence rates and improve clinical outcomes. 2. Improve clinical decision-making related to risk stratification and surveillance strategies for low-grade, intermediate-risk NMIBC based on pathophysiology, epidemiology, and progression patterns. 3. Support evidence-based, patient-centered treatment selection options for low-grade, intermediate-risk NMIBC by comparing traditional intravesical therapies with emerging treatments. 4. Interpret the efficacy and safety profiles of new therapies to appropriately integrate new therapeutic options into clinical practice (upon regulatory approval). 5. Utilize new medications in the evolving treatment landscape following an evaluation of key clinical trial data from recent studies. 6. Assess the impact of treatment options on patient-reported outcomes, including quality of life and treatment burden, to guide shared decision-making and optimize care delivery. ACKNOWLEDGEMENTS Support provided by an independent educational grant from: UroGen Pharma, Inc.

Gain a clear perspective on retirement planning in this episode of the Retire Sooner Podcast, hosted by Wes Moss and Christa DiBiase, where listener questions meet the latest financial planning insights. Discover practical considerations that can help inform decisions about your long-term financial strategy. • Examine how the Federal Reserve's interest rate cut may influence mortgages, loans, and stock market activity. • Understand why homeowners may appear “locked in” to current mortgage rates and explore potential shifts in housing trends. • Explore how the Fed balances inflation with employment data and what this could mean for your financial outlook. • Review historical stock market outcomes following Fed rate cuts near all-time highs. • Consider strategies for small business growth, including business checking accounts and high-yield options. • Compare dividend reinvestment with manual reallocation to assess approaches for your retirement phase. • Navigate backdoor Roth IRA contributions, conversions, gains, and tax-efficient dollar-cost averaging. • Address common retirement questions and explore planning steps that may provide financial clarity. • Benchmark savings against national averages and examine actionable retirement milestones. • Utilize spousal IRAs to maintain contributions while transitioning toward retirement. • Understand 72(t) IRA withdrawals and evaluate flexibility for early retirement considerations. • Assess ultra-high-yield ETFs and review the potential risks of concentrated portfolios. Listen and subscribe to the Retire Sooner Podcast to stay informed and explore considerations that can support your financial planning and retirement goals. Learn more about your ad choices. Visit megaphone.fm/adchoices

Artificial Intelligence is reshaping industries, but success requires more than adopting new tools. In this episode of Develop This!, Dennis Fraise joins Ashley and Eric Canada to unveil the AI Transformation Blueprint—a strategic framework for navigating AI adoption with clarity and confidence.   Together, they explore how organizations can move beyond experimenting with countless AI solutions. This conversation focuses on building structured workflows, fostering continuous learning, and implementing guardrails that protect your reputation and resources.   Listeners gain actionable strategies for comprehensive AI approaches, aligning priorities, budgets, and talent development with innovation goals, to transform AI from overwhelming technology into a strategic advantage.   Blane Canada AI   Takeaways Start with an audit of your daily tasks to identify pain points. Focus on understanding your workflow before diving into AI tools. Training is essential for both leadership and team members. Establish a clear AI strategy that includes operational, talent, and budget considerations. Involve the entire team in AI training to foster a collaborative learning environment. Guardrails are necessary to protect organizational reputation and budget. Avoid analysis paralysis by taking actionable steps towards AI implementation. Recognize the potential risks associated with AI and plan accordingly. Utilize existing tools that may already have AI capabilities. Seek expert guidance to navigate the complexities of AI adoption.  

Brad Barrett hosts Cody Garrett and Sean Mullaney, co-authors of Tax Planning To and Through Early Retirement, exploring essential tax strategies for the FI community. They address misconceptions about retirement taxes, the drawdown process, and effective tax rates, emphasizing the importance of informed planning to navigate financial independence smoothly. Key Takeaways: Understanding the complexities of drawdown strategies is essential for early retirement planning. Fear surrounding retirement taxes can often be mitigated through knowledge and strategic planning. Most retirees benefit from significant tax reductions due to lower effective tax rates during retirement. The podcast discusses common misconceptions about Required Minimum Distributions (RMDs) and their actual impact on retirees. Timestamps: 00:01:38 - Overview of Tax Planning To and Through Early Retirement 00:02:33 - Understanding the complicated drawdown process 00:07:22 - Eliminating fear from tax planning 00:10:06 - Long-term capital gains taxation and early retirement 00:28:39 - Tax optimization strategies 00:39:01 - Strategic tax planning leading to zero tax liability 00:58:47 - Discussion on RMDs and tax implications in retirement Key Insights: The drawdown process is often misunderstood but vital for financial planning. (00:02:33) Fear of taxes can hinder retirement planning; proper understanding can lead to rational decisions. (00:07:22) Most retirees can pay lower taxes than perceived and often face less tax liability. (00:28:15) Effective tax strategies can enable some retirees to pay zero taxes during retirement. (00:39:01) Misconceptions exist surrounding RMDs; they may not be as detrimental as commonly feared. (01:00:14) Actionable Takeaways: Consider early Roth conversions to maximize tax credits, particularly if you anticipate low income post-retirement. (00:44:07) Utilize long-term capital gains to minimize taxable income effectively in retirement. (00:10:06) Aim to reduce ordinary income during retirement to take advantage of favorable tax environments. (00:41:37) Discussion Questions: What are some strategies that can minimize tax burdens in early retirement? (00:28:39) How do RMDs impact retirement planning, and should retirees be concerned about them? (01:00:14) What are the implications of long-term capital gains on retirement income? (00:10:06) Resources Mentioned: Tax Planning To and Through Early Retirement - Paperback Tax Planning To and Through Early Retirement - Kindle Edition Related Episodes: Episode 557: Health Insurance Planning for Early Retirees   Disclaimer: Sean's discussions on the ChooseFI podcast and articles and messages published on ChooseFI.com are intended for general educational purposes and are not tax, legal, or investment advice for any individual. The ChooseFI podcast and its owners, employees, and agents do not endorse Sean Mullaney, Mullaney Financial & Tax, Inc., or their services.

In this episode of “Building the Premier Accounting Firm,” host Roger Knecht interviews Eric Gordon, Vice President of Professional Services at B10 Energy, about real estate accounting, tax strategies, and career insights. Gordon shares his journey from aspiring dentist to accounting professional, offering advice on commercial real estate acquisitions, cost segregation, and tax-saving strategies like Historically Significant Items (HSI) and Renewable Energy Tax Credits (RETC). This episode provides actionable insights for accounting professionals looking to expand their service offerings and better advise their clients. In This Episode: 00:00 Introduction to Eric Gordon 04:18 Accounting in Commercial Real Estate 10:11 Maximizing Real Estate Investments 14:55 Historically Significant Items (HSI) 19:24 Renewable Energy Tax Credits 25:19 Collaborating with Tax Professionals 30:37 Capital Gains & 1031 Exchange 37:58 Conclusion and Resources Key Takeaways: Advise clients on essential financial aspects of commercial real estate acquisitions, including income projection and vacancy rates. Utilize cost segregation studies to accelerate depreciation and maximize tax benefits for real estate owners. Explore HSI charitable giving strategies for high-income clients to preserve historical documents and save on taxes. Consider renewable energy tax credits as a transferable option for C corporations with significant tax liabilities. Build a team of experts to better serve clients and offer comprehensive tax planning and advisory services. Featured Quotes: Eric Gordon “Somehow, to 700 students, Norm made accounting seem cool.” Eric Gordon “I think cost segregation is the eighth wonder of the world. If you own real estate, you need to look at that.” Eric Gordon “Our firm exists to be an asset to CPA firms out there. We don't do any prep and file of any tax returns for clients.” Behind the Story: Eric Gordon's journey began with aspirations of becoming a dentist, but a single accounting class changed everything. Inspired by a professor who taught accounting for free, Eric switched his major and eventually landed at Deloitte. His audit background proved invaluable in commercial real estate, where he honed his skills in due diligence and asset acquisition. Now, as VP at B10 Energy, he helps accounting professionals leverage tax strategies like HSI and RETC to better serve their clients. Conclusion: Thank you for joining us for another episode of Building the Premier Accounting Firm with Roger Knecht. For more information on how you can establish your own accounting firm and take control of your time and income, call 435-344-2060 or schedule an appointment to connect with Roger's team here. Sponsors: Universal Accounting Center Helping accounting professionals confidently and competently offer quality accounting services to get paid what they are worth.   Offers: Free exclusive consultation with Eric to see what option best suits your needs. Simply visit www.b10cap.com and fill out the Contact Us form, or call 833.210.2278.   Get a FREE copy of these books all accounting professionals should use to work on their business and become profitable.  These are a must-have addition to every accountant's library to provide quality CFO & Advisory services as a Profit & Growth Expert today: “Red to BLACK in 30 days – A small business accountant's guide to QUICK turnarounds” – This is a how-to guide on how to turn around a struggling business into a more sustainable model. Each chapter focuses on a crucial aspect of the turnaround process - from cash flow management to strategies for improving revenue. This book will teach you everything you need to become a turnaround expert for small businesses. “in the BLACK, nine principles to make your business profitable” – Nine Principles to Make Your Business Profitable – Discover what you need to know to run the premier accounting firm and get paid what you are worth in this book, by the same author as Red to Black – CPA Allen B. Bostrom. Bostrom teaches the three major functions of business (marketing, production and accounting) as well as strategies for maximizing profitability for your clients by creating actionable plans to implement the nine principles. “Your Strategic Accountant” - Understand the 3 Core Accounting Services (CAS - Client Accounting Services) you should offer as you run your business. Help your clients understand which numbers they need to know to make more informed business decisions. “Your Profit & Growth Expert” - Your business is an asset. You should know its value and understand how to maximize it. Beginning with the end in mind helps you work ON your business to build a company you can leave so that it can continue to exist in your absence or build wealth as you retire and enjoy the time, freedom, and life you want and deserve. Follow the Turnkey Business plan for accounting professionals.  This is the proven process to start and build the premier accounting firm in your area.  After more than 40 years we've identified the best practices of successful accountants and this is a presentation we are happy to share.     Also learn the best practices to automate and nurture your lead generation process allowing you to get the bookkeeping, accounting and tax clients you deserve.  GO HERE to see this presentation and learn what you can do today to identify and engage with your ideal clients.   Check it out and see what you can do to be in business for yourself but not by yourself with Universal Accounting Center.   It's here you can become a:   Professional Bookkeeper, PB Professional Tax Preparer, PTP Profit & Growth Expert, PGE   Next, join a group of like-minded professionals within the accounting community.  Register to attend GrowCon and Stay up-to-date on current topics and trends and see what you can do to also give back, participating in relevant conversations as they relate to offering quality accounting services and building your bookkeeping, accounting & tax business.   The Accounting & Bookkeeping Tips Facebook Group The Universal Accounting Fanpage Topical Newsletters: Universal Accounting Success The Universal Newsletter   Lastly, get your Business Score to see what you can do to work ON your business and have the Premier Accounting Firm. Join over 70,000 business owners and get your score on the 8 Factors That Drive Your Company's Value.   For Additional FREE Resources for accounting professionals check out this collection HERE!   Be sure to join us for GrowCon, the LIVE event for accounting professionals to work ON their business. This is a conference you don't want to miss.   Remember this, Accounting Success IS Universal. Listen to our next episode and be sure to subscribe.   Also, let us know what you think of the podcast and please share any suggestions you may have.  We look forward to your input: Podcast Feedback   For more information on how you can apply these principles to start and build your accounting, bookkeeping & tax business please visit us at www.universalaccountingschool.com or call us at 8012653777  

Habitat Podcast #349 - In today's episode of The Habitat Podcast, we are back in the studio with my good friend and co-owner of Vitalize Seed Al Tomechko. We discuss: Drought conditions are affecting food plots this year, similar to last year. No-till planting helps retain soil moisture and supports seed growth. Monitor weather patterns closely after planting for optimal results. Use foliar applications to boost existing plants before rain arrives. Be cautious with overseeding; too much can lead to nutrient tie-up. Consider mixing oats with rye to reduce carbon levels in the soil. Healthy plants are more resilient; focus on soil health over quick fixes. Utilize trail cameras to track deer patterns and make informed hunting decisions. Early season hunting can be effective if deer show consistent patterns. Be strategic with your hunting approach to maximize success and minimize pressure. And So Much More! Shop the new Amendment Collection from Vitalize Seed here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://vitalizeseed.com/collections/new-natural-amendments ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ PATREON - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon - Habitat Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Brand new HP Patreon for those who want to support the Habitat Podcast. Good luck this Fall and if you have a question yourself, just email us @ info@habitatpodcast.com -------------------------------------------------------------------------- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon - Habitat Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Latitude Outdoors - Saddle Hunting: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/hplatitude⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Stealth Strips - Stealth Outdoors: Use code Habitat10 at checkout ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/stealthstripsHP⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Midwest Lifestyle Properties - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/3OeFhrm⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Vitalize Seed Food Plot Seed - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/vitalizeseed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Down Burst Seeders - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/downburstseeders⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 10% code: HP10 Morse Nursery - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://bit.ly/MorseTrees⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 10% off w/code: HABITAT10 Packer Maxx - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://bit.ly/PACKERMAXX⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ $25 off with code: HPC25 First Lite - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/3EDbG6P⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LAND PLAN Property Consultations – HP Land Plans: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LAND PLANS⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Leave us a review for a FREE DECAL - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://apple.co/2uhoqOO⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Morse Nursery Tree Dealer Pricing – info@habitatpodcast.com Habitat Podcast YOUTUBE - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCmAUuvU9t25FOSstoFiaNdg⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Email us: info@habitatpodcast.com habitat management / deer habitat / food plots / hinge cut / food plot Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we explore the often-overlooked aspects of financial awareness with Michael Scarpati, a seasoned financial professional dedicated to empowering individuals on their journey to financial literacy. We kick off the conversation by addressing the blind spots that many encounter in their financial planning, particularly when it comes to retirement. Michael emphasizes the importance of understanding your financial landscape and recognizing the red flags that could derail your goals. We delve into actionable steps to transform these red flags into green flags, including utilizing tools like the Financial Checkpoint to assess your retirement readiness.We also discuss the significance of working with an independent fiduciary, someone who is legally obligated to prioritize your best interests. Michael shares insights on how to vet financial professionals and the qualifications to look for, ensuring you receive trustworthy advice. As we navigate the complexities of financial planning, we touch on the importance of starting early, especially when it comes to saving for your children's education through 529 plans.Join us as we unpack these essential topics and more, helping you take control of your financial future with confidence!Takeaways:Understanding your financial blind spots is crucial for effective planning and achieving your retirement goals.Utilize free tools like the Financial Checkpoint to identify red flags in your financial strategy.Working with an independent fiduciary can provide you with trustworthy, personalized financial advice.Early planning for children's education through 529 plans can significantly impact their future financial stability.Clarity on your financial goals is essential for creating a roadmap to success.Chapters:00:00 - Understanding Financial Advice00:21 - Understanding Financial Awareness: The Journey Begins12:09 - Understanding Financial Planning and Its Importance19:38 - Planning for Children's Futures23:37 - Navigating Parenthood and Financial Planning28:46 - Understanding Wealth and Financial Mistakes32:52 - Cooking and Favorite DishesLinks referenced in this episode:https://retireus.com/https://www.instagram.com/retire.us/https://www.linkedin.com/in/michael-a-scarpati/Thank you for tuning in! Your support helps us empower more people to build strong financial habits and engage in meaningful conversations about money.

SummaryIn this episode of Echoes Through Eternity, Dr. Jeff discusses the essential systems and struggles involved in church planting. He emphasizes the importance of building a serving system, establishing a prayer system, and navigating the inevitable struggles that arise during the first hundred days of planting a church. Through personal stories and practical advice, he highlights the significance of faithfulness, community, and the need for systems that support growth and discipleship.TakeawaysPeople want to contribute, give them on-ramps to serve.Rotate responsibilities to prevent burnout.Utilize spiritual gifts inventories for volunteer placements.Prayer must be more than talk; create structures for intercession.Struggles are guaranteed in church planting; expect opposition.Relational struggles are common; handle conflict with grace.Personal struggles can be magnified for church planters; seek support.Celebrate small wins to encourage the team.Systems are love in action; they help connect people.Ordinary faithfulness leads to extraordinary fruit.Become a supporter of this podcast: https://www.spreaker.com/podcast/echoes-through-eternity-with-dr-jeffery-skinner--5523198/support.Echoes Through Eternity Guiding church planters and pastors to plant seeds of prayer, holiness, and courage that outlast a lifetime. contact drjefferydskinner@protonmail.com

Today, Eric explores the concepts of attraction versus chasing in business and personal interactions, emphasizing the importance of authentic self-expression to draw in desired connections. The speaker shares insights from figures like Gary Vaynerchuk, highlighting the shift from "social media" to "interest media," where sharing passions beyond one's core business can attract a wider, more engaged audience. This approach suggests that genuine interests, even seemingly unrelated ones, can resonate with high-value clients who share similar lifestyle choices and financial capabilities. Ultimately, the discussion advocates for a strategy of being extraordinary and authentic to naturally attract opportunities, rather than aggressively pursuing them. Key Takeaways: Prioritize attracting opportunities and clients by being genuine and extraordinary rather than aggressively chasing them. Share your authentic passions and interests, as these can attract a valuable audience for your business, even if not directly related to your core service. Present yourself with confidence, politeness, and a professional demeanor to naturally draw in desired connections and clients. Utilize interest-based media by showcasing your whole self and diverse passions, knowing that shared interests can lead to business opportunities. Embrace a mindset of unwavering persistence and continuously learn from your mistakes to improve and achieve your goals.

Deuce McAllister, New Orleans Saints radio color analyst, joins Mike Detillier to assess how the Saints will look against the Arizona Cardinals in their first regular season game.

7-8am Hour 2 - Jeremy White and Joe DiBiase talk about the way the Bills have spent their cap space in recent seasons compared to the other top teams in the NFL. They talk about the different ways to allocate cap space and if the Bills need to re-evaluate their contracts. Sal Capaccio joins the show to talk with the guys about the Bills re-signing of Gabe Davis and if he'll provide anything for the 2025 Bills offense or if he'll continue to struggle.

Empathy is the key to effective marketing. You've heard that here before. But what is really going on in the brains of savvy buyers, and how can we tap into that - not to manipulate, but to connect and engage with what they need and who they want to be?Today, Rai Cornell shares her unique journey, including being a psychologist in the prison system. We discuss how to appeal to today's savvy buyers and why everyone is a skeptical buyer. We talk about the mistakes companies make when they "pitch” and why 70% of the sales process is actually done before the salesperson does that pitch. And some examples of effective tactics and campaigns we've both seen. And a real treat today: you know the old marketing adage of helping prospects know, like, and trust you? Rai breaks down HOW to achieve each of those steps by taking about the brain's neurotransmitters and the chemicals activated at each stage, so you can best engage your audience at each step. And we discuss the ethics of empathetic marketing and how to avoid manipulation or coercion at all costs, as well as the importance of internal feedback loops to consistently practice empathy with your customers.To access the episode transcript, please search for the episode at TheEmpathyEdge.com.Key Takeaways:Prioritize understanding the gatekeeper, not just the final buyer, especially in B2B sales situations.Everyone you are selling to is a human. They will have both logic drivers and emotional drivers.If you want to be efficient with your marketing dollars - spending less, doing more, and getting more ROI - empathy is the way to do it because you have to slow down and understand who the other person is.Utilize the power of neurotransmitters - dopamine and oxytocin - to maximize know, like, and trust. "Be altruistic. Understand the situation. This is where empathy comes in. You have to understand the situation that they're in before they want to buy your solution." — Rai CornellEpisode References:Nike, If You Let Me Play Ad CampaignSubaru crashed car ad, They LivedFrom Our Partner:SparkEffect partners with organizations to unlock the full potential of their greatest asset: their people. Through their tailored assessments and expert coaching at every level, SparkEffect helps organizations manage change, sustain growth, and chart a path to a brighter future.Go to sparkeffect.com/edge now and download your complimentary Professional and Organizational Alignment Review today.About Rai Cornell, CEO, Cornell Content Marketing:Rai Cornell is the CEO and Strategic Marketing Consultant of Cornell Content Marketing. Rai helps B2B businesses become thought leaders by creating long-term demand-generation strategies and eliminating costly and unnecessary short-term, manipulative tactics like ads. Rai's marketing approach is psychology-driven to ensure businesses attract pre-qualified, emotionally engaged buyers.Connect with Rai:Email: rairose@cornellcontentmarketing.comCornell Content Marketing: cornellcontentmarketing.comLinkedIn: linkedin.com/in/raicornellConnect with Maria:Get Maria's books on empathy: Red-Slice.com/booksLearn more about Maria's work: Red-Slice.comHire Maria to speak: Red-Slice.com/Speaker-Maria-RossTake the LinkedIn Learning Course! Leading with EmpathyLinkedIn: Maria RossInstagram: @redslicemariaFacebook: Red SliceThreads: @redslicemaria

In this Episode: n this episode of the Achieve Results NOW! podcast, hosts Mark Cardone and Theron Feidt debunk the "productivity myth," arguing that a long to-do list is not a sign of success. Instead, true productivity is about focusing on the right things and working smarter, not just longer. They outline a three-step approach to help listeners manage their time effectively and achieve meaningful results. Step 1: Embrace the 80/20 Rule The hosts introduce the 80/20 Rule (Pareto Principle), which states that 80% of your results come from 20% of your efforts. They emphasize the importance of identifying the few key activities that truly move the needle, rather than trying to complete every task on a list. By focusing on these high-impact tasks, you can make significant progress without being constantly "busy." Step 2: Utilize the Time Matrix Drawing on the work of Stephen Covey, they break down tasks into four quadrants: Urgent and Important: This is "firefighting" mode, and while necessary, staying here leads to burnout. Not Urgent and Not Important: This is time-wasting and should be minimized. Urgent and Not Important: This is where "busy work" and other people's priorities often fall, pulling you away from your own goals. Important and Not Urgent: This is the most crucial quadrant for long-term success. It includes planning, strategic thinking, and self-care. The hosts advise listeners to spend the majority of their time on these proactive activities to prevent future crises.   Step 3: Differentiate Between Deep Work and Shallow Work The final step is to distinguish between deep work (focused, high-concentration tasks) and shallow work (multitasking, less demanding activities). They stress the importance of scheduling time for deep work—the type of focused effort that moves you toward your goals. This means dedicating specific time blocks to important tasks without distractions, even if it's just for a short period each day. By understanding your own energy rhythm, you can schedule deep work for your most productive hours, ensuring you're making a worthwhile investment of your time   ARN Suggested Reading: Blessings In the Bullshit: A Guided Journal for Finding the BEST In Every Day – by Mark Cardone & Theron Feidt https://www.amazon.com/Blessings-Bullshit-Guided-Journal-Finding/dp/B09FP35ZXX/ref=sr_1_1?dchild=1&keywords=blessings+in+the+bullshit&qid=1632233840&sr=8-1 Full List of Recommended Books: https://www.achieveresultsnow.com/readers-are-leaders Questions: 1.   Do you have a question you want answered in a future podcast? 2.   Go to www.AchieveResultsNow.com to submit. Connect with Us: Get access to some of the great resources that we use at: www.AchieveResultsNow.com/success-store www.AchieveResultsNow.com www.facebook.com/achieveresultsnow www.twitter.com/nowachieve Thank you for listening to the Achieve Results NOW! Podcast.  The podcast that gives you immediate actions you can take to start seeing life shifting results NOW!

Podcast listeners are already distracted, and most guests unintentionally make it worse. Rambling, filler phrases, and weak delivery cause people to tune out. In this episode, Emily Aborn shares five mistakes that lose listeners fast and five things you can do to keep them engaged the entire time. Get ready to show up with clarity, connect more deeply, and become a guest that listeners actually remember!MORE FROM THIS EPISODE: HTTPS://PODMATCH.COM/EP/346Chapters00:00 Understanding Listener Distraction05:30 Five Don'ts for Engaging Conversations10:16 Five Do's for Effective PodcastingTakeaways90% of information is forgotten within a week.Distractions can reduce comprehension by 17 to 25%.Avoid info dumping during conversations.Provide tangible content and actionable tips.Stay on topic to maintain listener engagement.Remember the listener's experience during the interview.Use vocal variety to keep the conversation lively.Come prepared with quality audio and a clear direction.Utilize signals and summaries to guide listeners.Incorporate humor and personality to connect with the audience.MORE FROM THIS EPISODE: HTTPS://PODMATCH.COM/EP/346PodMatch has officially launched a podcast network for independent interview-based podcasts! To apply to be part of the network, please visit https://PodMatch.com/network and press the "Join Network" button in the top center of the screen. While you're there, be sure to check out some of the incredible shows in the network!

GS#1014 August 26, 2025 Dr. Izzy Justice returns to discuss the intricate relationship between brain function and golf performance from his new book, 'Your Brain Swings Every Club', which explores the cognitive aspects of golfing performance. Dr. Justice introduces the concept of 'chasing 10 hertz' to optimize mental states for better performance and emphasizes the importance of utilizing wait times effectively on the golf course. The conversation also discusses the intricate relationship between nonverbal communication and the brain, emphasizing how our sensory inputs shape our understanding of others. He draws parallels between golf and life, highlighting the mental challenges athletes face. He debunks common myths in golf, such as muscle memory and the small target theory.Please check out this article about Fred's golf and podcast journey called "A Lifetime On The Air" that was published in the NCGA Magazine (Northern California Golf Association) recently!    Get more when your visit the refreshed golfsmarter.com!Introduce an Upcoming Episode: Receive free gifts for recording a show opening by clicking on "Record Your Show Open Here!" tab on the right side of golfsmarter.com. Watch Daily Video Highlights from Our Interviews: Follow @golfsmarter on Instagram, X, Facebook, TikTok, YouTube daily to see our highlights and helpful insights from our interviews on the podcast. Post a Review: you'll receive three free gifts when you post an honest review about Golf Smarter the podcast.Fill Out a Listener Survey: It only takes a few minutes to fill out our survey, which helps us to better serve your interests in the podcast. You'll receive a free link to Tony Manzoni's video and Justin Tang's summary of Tony's Lost Fundamental on pdf!This episode is brought to you by BreakfastBalls.Golf. Visit BreakfastBalls.Golf for the best quality and pricing on premium used golf balls. Find your favorite brand at half the price of new balls!  Use GOLFSMARTER at checkout for 20% off your order!This episode is brought to you by 5Hour Energy. 5-hour ENERGY Transfusion flavor is available online or in stores. Head to 5hourENERGY.com and order yours today!Check out "Invested in the Game", a new original podcast from Charles Schwab. This podcast is their way of sharing the incredible stories behind the game. Listen now at schwab.com/TheGame or wherever you get your podcasts.This episode is sponsored by Indeed. Please visit indeed.com/GOLFSMARTER and get a $75 SPONSORED JOB CREDIT. Terms and conditions apply. This episode is sponsored by HIMS. Start your free online visit today HIMS.com/golfsmarter and received personalized ED treatment options. This episode is brought to you by RULA. Find a therapist or psychiatric provider who specializes in you at rula.com/golfsmarter.

Text us a pool question!In this episode of Mondays Down Under, host Lee Salisbury dives into essential strategies for pool service businesses to prepare for the upcoming summer season. Lee emphasizes the importance of pricing strategies, labor costs, logistics, customer contracts, database management, and effective payment systems to enhance profitability and efficiency. Drawing from his experience in the pool industry, he shares practical tips to help listeners optimize operations and set themselves up for a successful season ahead.TakeawaysPrepare for the summer season to hit the ground running.Analyze and adjust your pricing regularly.Value your time and charge accordingly.Optimize your service schedule for efficiency.Consider implementing customer contracts for clarity.Maintain a clean and usable database of clients.Establish a reliable payment system to improve cash flow.Regularly review supplier price increases and adjust accordingly.Focus on building strong relationships with A and B grade clients.Utilize technology to streamline operations and enhance customer service. Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

In episode 91 we talked all about SPD pain during pregnancy, but we've had a lot of women from our community ask about SPD pain during the postpartum period! Today, Krystle is going to close that loop and talk about things you can do to alleviate SPD pain during postpartum. Through proper full ribcage breathing, keeping movements symmetrical until inflammation has decreased, and modifying your workouts, less pain and a stronger pelvic floor is possible. A great feature about the Expecting and Empowered App is that there is a 5 minute test you can take if you're experiencing SPD pain. When you complete the test, you'll get immediate, individualized feedback with ways to rebalance the pelvis and reduce your SPD pain. This is like having a clinic appointment with Krystle right there in the app! Utilize our FREE 7 day trial to complete this test, or subscribe to the app with our coupon code below! If you enjoyed listening to this episode, we would love it if you could share it to your Instagram stories and tag us @expectingandempowered. As we like to say, knowledge is power, and we just really want to give more people the information that they may need on their motherhood journey!Links & ResourcesExpecting and Empowered App - Enter code 'PODCAST25' at checkoutExpecting and Empowered WebsiteExpecting and Empowered InstagramThis episode was brought to you by the Pivot Ball Change Network.

8-20 Ted Nguyen joins Papa & Silver to analyze four rookie quarterbacks the 49ers could potentially face in 2025, how Christian McCaffrey will drastically help the 49ers redzone efficiency, and how Robert Saleh might utilize the youth on a new-look defensive unitSee omnystudio.com/listener for privacy information.

00:00 How the Broncos will utilize Jahdae Barron.20:15 Broncos exclamation points.34:10 Is Bo Nix a question mark or exclamation point?

Eric's guests are Jeff Allred and Clark Maxwell from Fleetio. The discussion centers on Fleetio's software, which helps businesses manage and maintain their vehicle assets and other equipment. They explain how the software streamlines maintenance tracking, expense reporting, and communication among team members, ultimately aiming to save time and money by preventing breakdowns and inefficient spending. The conversation also touches on integrations with fuel cards and GPS systems, the maintenance shop network, and the cost-effectiveness of Fleetio for fleets of varying sizes. Key Takeaways: Prioritize preventative maintenance for your vehicles and assets to avoid more expensive repairs and downtime later. Adopt a technological system to track all your fleet maintenance and expenses, moving beyond manual methods like spreadsheets or memory. Empower your entire team to report vehicle issues through a shared platform, improving communication and speeding up necessary repairs. Utilize data and reporting tools to make informed decisions about your fleet, such as when to repair or replace vehicles. Cultivate a company culture that emphasizes the protection and efficient use of all business assets, from large machinery to small tools.

Affirmations are a good jump start a new day. Utilize these affirmations to help you start your day with something positive and uplifting.*Great start to a new day*Use positive words daily*Be mindful to focus on the positive*Be good to yourself*Be optimistic*Be kind

This audible clip from Erik Qualman's #1 Bestselling book The Focus Project discusses how to stop overestimating what we can accomplish in a short period and start focusing on how we can better ourselves in the long run.   5x #1 Bestselling Author and Motivational Speaker Erik Qualman has performed in over 55 countries and reached over 50 million people this past decade. He was voted the 2nd Most Likable Author in the World behind Harry Potter's J.K. Rowling.   Have Erik speak at your conference: eq@equalman.com   Motivational Speaker | Erik Qualman has inspired audiences at FedEx, Chase, ADP, Huawei, Starbucks, Godiva, FBI, Google, and many more on Focus and Digital Leadership.   Learn more at https://equalman.com

This Podcast Is Episode 641, And It's About A Week In The Life Of A Profitable Contractor- Habits That Pay Off If you're a small construction business owner, you know what it feels like to be busy but not consistently profitable. You're running from job sites to supply runs to client meetings, answering calls at night, and still wondering where the money went at the end of the month. Here's the truth we see every day as construction bookkeeping specialists: The most successful contractors aren't just working harder—they've built weekly habits and systems that keep the business running while they build. In this post, we'll show you what a streamlined, systemized week looks like in a small construction business. Whether you're a solo contractor or leading a small crew, these routines can help you stay organized, improve your cash flow, and protect your profit. Why Weekly Habits Matter in Construction When you build consistency into your week, everything improves: You stop forgetting to invoice or follow up You get paid faster Jobs stay on schedule Clients feel informed (and complain less) You catch issues before they become emergencies The goal isn't to overload your week—it's to create a rhythm that keeps your business stable and growing, without requiring you to do everything at the last minute. Monday: Plan the Work, Work the Plan Morning – Weekly Kickoff Start your week with a short job planning session. Whether you're solo or managing a team, ask: What jobs are active this week? What phase is each job in? What materials, subs, or permits are needed? What deadlines are coming up? Use a whiteboard, spreadsheet, or project management tool (like Buildertrend or Trello). Assign daily goals to each job to ensure that nothing falls behind. Afternoon – Estimate & Lead Follow-Up Block off time to follow up on: New leads that came in over the weekend Outstanding estimates Questions from potential clients Even 30–60 minutes of focused follow-up keeps your pipeline warm and prevents "ghosted" leads. Pro tip: Utilize email templates for follow-ups and store lead information in a centralized location, such as a Google Sheet or CRM. Tuesday: Tidy the Books & Track Job Costs Morning – Track Labor & Materials Take 30–60 minutes to: Log hours worked so far (your crew's and yours) Review any receipts from the job site Match expenses to job names This provides a real-time view of how each job is performing against budget, enabling you to address issues before they escalate. Afternoon – Vendor Check-Ins Call or check with your suppliers: Confirm deliveries Handle any backorders Pay invoices on time (if possible to avoid late fees) Building good vendor relationships keeps your jobs on track and your business in good standing. Bookkeeper's tip: If you send us your receipts and labor updates every week, we can update the job cost reports and alert you if anything appears to be incorrect. Wednesday: Build and Communicate All Day – Focus on Production Mid-week is often when contractors are on-site all day. But don't go silent on your clients or back office. End of Day – Client Touchpoints Send a quick project update to each active client: What was completed today or this week? What's scheduled next? Are there any delays or updates they should be aware of? A 2-minute message can prevent hours of frustration or confusion. Systematize it: Use a weekly client update template or a shared project board where clients can check their progress. Thursday: Invoice, Collect, and Prepare for the Weekend Morning – Invoicing & Payments Every Thursday, review: What milestones were completed this week? What invoices should go out today? What payments are overdue? Send invoices promptly—don't wait until the end of the month. Progress billing maintains a healthy cash flow and reduces the risk of late payments. Afternoon – Financial Catch-Up Take another 30 minutes to: Send payment reminders Record payments received Pay subs (if applicable) Review your upcoming expenses Automation tip: Utilize QuickBooks, Joist, or another invoicing tool that automatically sends reminders. Friday: Review & Reflect Morning – Job Wrap-Up or Prep Use Friday mornings to: Finalize the week's job work Clean up job sites Prepare materials or tools for Monday Afternoon – Weekly Financial Review Block 30 minutes to review: Profit & Loss report Cash on hand vs upcoming bills Job profitability (are we still on budget?) Even a basic check-in provides insight into how your business is performing, not just how you perceive it's doing. What to ask your bookkeeper: Are we on budget for our active jobs? Did we hit our revenue and profit targets this week? Any unusual spending patterns? Weekend: Rest & Reset (Or Catch Up, Smartly) Use the weekend to rest—or if you need to catch up, keep it light: Review new lead inquiries Clean up receipts or paperwork Organize tools or truck inventory Try not to overload your Saturdays. You're running a business, not burning yourself out. Set boundaries: Let clients know you're unavailable on Sundays unless it's an emergency. Protect your peace. Recap: Weekly Rhythm for a Profitable Contractor Day Primary Focus Monday: Job planning & lead follow-up Tuesday: Job costs, receipts, vendor check-ins Wednesday: On-site work & client updates Thursday: Invoicing, collections, and financial review Friday: Job wrap-up, P&L check, planning Weekend: Light admin or complete rest This weekly flow doesn't have to be perfect. The point is to build structure into your week so you're not always reacting—you're leading. Why This Works When contractors follow a simple weekly routine: Jobs run smoother Clients are happier You get paid faster You make decisions based on facts, not gut feelings You work fewer nights and weekends You don't need to be a spreadsheet wizard or tech genius. You need systems that fit your workflow and a few key habits to stay consistent. And if you need help setting that up, that's where I come in. Need Help Building a Weekly System That Works? As construction bookkeeping specialists, we help small contractors: Automate financial tasks Track job costs easily Set up smart invoicing and reminders Build habits that protect profit Let's chat and streamline your week, so you can get back to building what you love. About The Author: Norhalma Verzosa is a Certified Construction Marketing Professional and serves as the Web Administrator of Fast Easy Accounting, located in Lynnwood, WA. She holds a Bachelor's Degree in Psychology and is a Certified Internet Web Professional, with certifications in Site Development Associate, Google AdWords Search Advertising, and HubSpot Academy. She manages the entire web presence of Fast Easy Accounting using a variety of SaaS tools, including HubSpot, Teachable, Shopify, and WordPress.

Can the Wild Utilize Young Talent? full 863 Wed, 13 Aug 2025 16:57:08 +0000 pJ02lLhuh1xNvVqYUKYAFobbtYocg3JP sports Sabres Live sports Can the Wild Utilize Young Talent? No radio station in the USA talks more hockey than WGR Sports Radio 550 and no radio station talks more Buffalo Sabres and NHL hockey better than us. Heard daily from 12PM-1PM on WGR and simulcast on MSG TV, Sabres Live goes deep into the corners everyday, breaking down the play and the players of every Sabres game. Plus, we take listeners around the NHL getting the inside scoop on all the top stories. 2024 © 2021 Audacy, Inc. Sports False https://player.amperwavepodcasting.com?feed-link=https%3A%

Podcast PacketsIllustrationsLead SheetsPlay AlongsForumsJazz Piano Skills CommunityKeywordsJazz Piano, Melodic Analysis, Practice Strategy, Jazz Standards, Improvisation, Music Education, Jazz Skills, Ear Training, Chord Progressions, Music TheorySummaryIn this episode of Jazz Piano Skills, Dr. Bob Lawrence discusses the importance of melodic analysis in jazz piano, emphasizing the need for a structured practice strategy. He introduces the seven facts of music, which serve as a foundation for understanding harmony and melody. The episode also addresses a listener's question about mastering block chords and provides insights into effective practice techniques. Finally, the session culminates in a melodic analysis of the jazz standard 'That's All', exploring fingerings, phrases, and target notes, while encouraging experimentation with different musical treatments.TakeawaysEstablish a well-thought-out practice strategy for success.The seven facts of music are essential for understanding jazz.Practice chords by family, type, key, and progression.Identify target notes to aid in memorizing melodies.Transcribe melodies by ear to develop listening skills.Experiment with various grooves and tempos for improvisation.Consistency in practice leads to musical growth.Utilize lead sheets to enhance learning and performance.Engage with the jazz community for support and feedback.Enjoy the journey of learning and making music.TitlesMastering Melodic Analysis in Jazz PianoThe Seven Facts of Music ExplainedSound bites"Success will surely follow.""Enjoy the journey of learning music.""Transcribe the melody by ear."Support the show

Thinking about getting into wholesaling, only to hit a roadblock because your state requires a license?You're not alone—and we've got you covered.In this episode, returning guest Char Hiaring from Oklahoma City breaks down the legal requirements every wholesaler should know and reveals the common hurdles in the industry. Plus, he shares his proven strategy for finding leads and deals—for FREE.Tune in to get practical, real-world tips, and don't forget to check out the TTP Training Program —your launchpad to wholesaling success.---------Show notes:(0:57) Beginning of today's episode(2:26) What are the reasons behind licensing requirements in certain areas?(7:58) Obtaining a real estate license can prove highly advantageous, particularly when aiming to expand your wholesale business.(9:27) Partner with a real estate agent who shares in your profitability.(12:59) Three valuable tools at your disposal when engaging with property owners.(14:56) Utilize social media platforms to uncover homeowners offering exceptional deals.(24:00) Mastering social media for optimal results.----------Resources:New WesternBiggerPocketsTo 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?

In this livestream recorded on 8/8/2025—the powerful Lion's Gate Portal—I guide you through how to become a vessel for divine energy and use this potent time for personal and collective transformation.

Feeling confused about what a gestational diabetes diagnosis means for your pregnancy and your future wellness? Curious about easy and proven ways to keep it in check? Grab a seat and join today's conversation with Kelly Carter that'll make gestational diabetes feel way less scary!Jenn Trepeck and Kelly Carter, the Chief Success Officer at RenewRx, dive into the nitty-gritty of gestational diabetes, explaining how the placenta can throw insulin and blood sugar out of whack. Kelly shares game-changing advice with proven results, such as balancing your plate with veggies and proteins and incorporating movement, like post-meal walks, to manage blood sugar spikes. They also share stress management tricks, like journaling, to ease the mental load and bust myths that can make pregnancy feel overwhelming. The Salad With a Side of Fries podcast, hosted by Jenn Trepeck, delves into real-life wellness and weight loss, clearing up myths, misinformation, and bad science surrounding our understanding of nutrition and the food industry. Let's dive into wellness and weight loss for real life, including drinking, eating out, and skipping the grocery store.IN THIS EPISODE: (00:00) Intro: Meet Kelly Carter(07:11) Kelly's journey from studying human nutrition to focusing on gestational diabetes(09:51) Why gestational diabetes became Kelly's focus(13:54) The placenta's role in gestational diabetes(15:24) Risk factors for gestational diabetes, including age, blood sugar sensitivity, diet and stress(21:19) Discussion on balanced nutrition to reduce blood sugar spikes, supported by continuous glucose monitoring(24:07) Building a balanced plate for gestational diabetes(29:56) Movement, particularly walking after meals, can lower blood sugar levels by up to 25% in women with gestational diabetes(31:35) Sleep challenges in pregnancy and their impact on stress and blood sugar(34:00) Utilize stress management strategies like walking, napping, and journaling KEY TAKEAWAYS:Gestational diabetes is a temporary condition during pregnancy caused by hormonal changes and the placenta's demands, where the body struggles to produce enough insulin to manage blood sugar levels. Still, it can be effectively managed with lifestyle changes.A balanced nutrition approach, emphasizing the order of eating—starting with fibrous vegetables, followed by proteins, fats, and carbohydrates—can significantly reduce blood sugar spikes, as supported by continuous glucose monitoring data.Lifestyle factors like movement (e.g., walking post-meals), stress management (e.g., journaling, napping), and acknowledging sleep challenges are critical for managing gestational diabetes and improving insulin sensitivity, fostering long-term healthy habits.QUOTES: (00:25) “Very simply, gestational diabetes is your body not being able to keep up with the insulin that's needed to be produced to grow this baby.” Kelly Carter (12:59) “Gestational diabetes leaves women feeling confused, frustrated and not understanding what's happening.” Jenn Trepeck(17:23) “If you're able to focus on your diet and your lifestyle seven months before you conceive, your chances of having a healthy pregnancy increase by at least 30 percent.” Kelly Carter(18:55) "Everything in health is related, right? We want to look at nutrition, movement, sleep, and stress." Jenn Trepeck(29:37) “Why would it make any sense to stop training for the nine months in advance of your personal human Olympics?” Jenn TrepeckRESOURCES:Become a Member of the Happy Healthy Hub

Contemporary Management of MIBC and Beyond: Expert Guidance for Urologists (Republished) CME Available: auau.auanet.org/node/42040 After participating in this CME activity, participants will be able to: 1. Describe the multimodal treatment approach for MIBC, including surgery, radiation therapy, and chemotherapy. 2. Analyze the role of neoadjuvant and adjuvant therapies, including chemotherapy, immunotherapy, and antibody drug conjugates, in improving patient outcomes. 3. Utilize knowledge of checkpoint inhibitors and antibody drug conjugates with their mechanisms of action to interpret the role of immunotherapy in the treatment of metastatic urothelial carcinoma. 4. Examine ongoing clinical trials and emerging treatments that are shaping the future of metastatic urothelial carcinoma management. 5. Employ appropriate patient and family education strategies regarding MIBC and metastatic urothelial carcinoma, treatment options, and expected outcomes. Acknowledgements Support provided by an independent educational grant from: Astellas and Pfizer, Inc.

In this episode of Building Better Developers with AI, Rob Broadhead and Michael Meloche delve into the often-overlooked yet crucial topic of customer success. Revisiting a previous episode, "Customer Success - Delivering value on a budget," with AI's help, they reframe how developers and founders can deliver long-term value—even on a limited budget. “Customer success isn't optional—it's how you grow sustainably.” Unlike reactive customer support, customer success is a proactive mindset. It ensures that what you build helps users meet their goals, reduce friction, and ultimately drive business results—for both them and you. The Key Difference: Support Reacts. Success Delivers. Many developers conflate customer support with customer success, but they serve very different roles: Support fixes problems when users hit a wall. Success removes those walls altogether. Callout: “When you build for success, you become an investment—not just a cost.” Developers should aim to reduce effort, automate pain points, and align solutions with customer outcomes. That's when your work becomes mission-critical. Busting the Budget Myth A common misconception is that customer success programs are a luxury reserved only for large companies. The truth? Small teams may need it even more. Michael shares a real-world example: After years of manually maintaining a client's outdated systems, a simple upgrade cut service time from three days to four hours. That's budget-friendly success with measurable ROI.

In this episode, Molly shares her 3Cs Leadership Framework: Clarity, Cadence, and Conversions, to help law firm owners transform their support team into proactive, accountable leaders. With strategies like daily huddles, stakeholder meetings, and data-driven decision-making, this session offers a clear path to scaling growth without micromanagement.   Key Takeaways:   Transform your law firm by empowering support teams to lead independently using the 3Cs framework: Clarity, Cadence, and Conversions. Implement structured daily huddles and weekly stakeholder meetings led by team members for improved operational efficiency. Shift from task delegation to fostering a team culture where members take ownership, driving business growth, and freeing up managerial resources. Utilize analytics for data-driven decision-making, ensuring each team member contributes to the firm's overarching goals. Boost team morale and reduce turnover by offering leadership training, constant feedback, and engaging them in strategic business growth.   Quote for the Show: "You're not stuck because your team isn't smart. You're stuck because everything is still dependent on you." - Molly McGrath   Links: Website: https://hiringandempowering.com/ Facebook: https://www.facebook.com/hiringandempowering Instagram: https://www.instagram.com/hiringandempowering LinkedIn: https://www.linkedin.com/company/hiring&empoweringsolutions/ The Law Firm Admin Bootcamp + Academy™ : https://www.lawfirmadminbootcamp.com/ Get Fix My Boss Book: https://amzn.to/3PCeEhk   Ways to Tune In: Amazon Music - https://www.amazon.com/Hiring-and-Empowering-Solutions/dp/B08JJSLJ7N Apple Podcast - https://podcasts.apple.com/us/podcast/hiring-and-empowering-solutions/id1460184599 Spotify - https://open.spotify.com/show/3oIfsDDnEDDkcumTCygHDH Stitcher - https://www.stitcher.com/show/hiring-and-empowering-solutions YouTube - https://youtu.be/lgxqW56nGAY

In this episode of the LiveWild Podcast, Remi Warren shares his extensive knowledge on hunting preparation as the season approaches. He discusses the importance of physical fitness, gear checks, and last-minute packing hacks. Remi also provides insights into his upcoming hunts, including a caribou and mule deer hunt, and emphasizes the significance of practicing with your bow. The episode concludes with a preview of Elk Month and the importance of conservation efforts through organizations like the Rocky Mountain Elk Foundation. Takeaways Preparation is key for a successful hunting season. Physical fitness is crucial for tackling mountain hunts. Last-minute gear checks can prevent issues during hunts. Practice with your bow should mimic real hunting scenarios. Packing for different types of hunts requires different strategies. Always have a gear list for reference before hunts. Consider conservation efforts when planning your hunting activities. Stay informed about upcoming events and product drops. Utilize packing hacks to optimize space and weight in your backpack. Engage with organizations that support wildlife conservation. Chapters 00:00 Introduction to the Wild Life 00:51 Final Preparations for Hunting Season 02:44 Gear and Equipment Essentials 05:24 Upcoming Hunts and Planning 08:36 Packing Strategies for Different Hunts 11:10 Last Minute Preparations and Hacks 13:59 Detailed Gear List and Considerations 17:14 Food and Cooking Gear for Hunts 20:03 Final Thoughts on Preparation 24:31 Packing Essentials for Backcountry Hunts 30:45 Preparing Gear for Upcoming Hunts 44:20 Elk Month Kickoff and Conservation Awareness Learn more about your ad choices. Visit megaphone.fm/adchoices

Jones and Keefe discuss the Red Sox latest win over the Minnesota Twins, go over Would you Rather Wednesday, and how the Patriots are planning to use Drake Maye in the running game.

Conversamos com o Kiko, criador do Mountain Do, uma das séries de corridas de trilhas mais icônicas do Brasil e do mundo.Falamos sobre a origem do projeto e os bastidores das etapas em lugares como o Costão do Santinho, Fernando de Noronha, Deserto do Atacama e até o Deserto do Saara. Abordamos como são definidos os percursos, o funcionamento no dia da prova, a limpeza pós-evento, as diferentes distâncias, o crescimento do trail running no Brasil e muito mais.Se você curte corrida, aventura e boas histórias, este episódio é pra você.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SEJA MEMBRO DO CANAL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://mountaindo.com.br/https://www.instagram.com/mountaindo.sports/Utilize nossos cupons de Desconto:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠KEEP RUNNING BRASIL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - PFC⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CARAMELO⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - PFC10⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠FOCO RADICAL⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - PFC10⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SPORTBR⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - PFC10⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CLUBE DE AUTORES⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - PFC10⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LIVE! RUN XP⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - PFC15⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MARATONA MONUMENTAL DE BRASÍLIA⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - PFC10⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CORRIDA INTEGRAÇÃO⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - PFC10⁠MOUNTAIN DO⁠⁠ - PFC20

Welcome to Season 11 - The High-Performing Leader! SEASON 11 The High Performing Leader Daily Leadership Tips and Discussions Thank you for listening. I'm Paul Grau Jr., the host of this show, and I'm excited about Season 11. Season 11, will be focused on “The High-Performing Leader.” Every episode will primarily focus on the lifelong journey of expanding your knowledge of leadership, to continually grow and be a high-performing leader. I will try to give you a daily takeaway to put what you learn into action. My goal is that you learn something that you can take immediate action on and see how powerful expanding your leadership can be. Please feel free to email me at Paul@CLCTeam.com with any suggestions and topics that you would like me to talk about. Additionally, I will be interviewing a vast array of leaders in Season 11, so if you know a great leader and/or want to share a great leadership lesson, please contact me.   Here at The CLC Team, we work with Christian Business Owners to help them create a High Performing Team that thrives in all areas of life and produces higher performance, productivity, and profitability so they make a greater impact in the world.   You can also listen to our other Podcast called “The High-Performing Team Podcast for Christian Business Owners” and it is now available on the links below (and wherever you listen to podcasts). We are planning on having this podcast up and running daily by Aug 1. 2025. Apple Podcast: https://podcasts.apple.com/us/podcast/the-high-performing-team-podcast-for-christian/id1797855031  Amazon Music: https://music.amazon.com/podcasts/36a33c17-fa45-4392-9701-ec78e365b9e2/the-high-performing-team-podcast-for-christian-business-owners  Spotify: https://open.spotify.com/show/71bhJNppqhTsmEjj0Rze0P  iHeartRadio: https://www.iheart.com/podcast/263-the-high-performance-team-266779809/  Rephonic: https://rephonic.com/podcasts/the-high-performance-team-podcast-for-christian-bu   

So many women say they're tired all the time in menopause.  Even those who do exercise to improve health, which would include energy levels, will often say, “I'm tired all the time.”   Let me share what I would do, and actually did at the end of 2019 when I found myself recovering from a big year of mental and physical stressors. 80% of the population don't exercise, specifically 80% of women don't lift weights the minimum times per week needed for optimal metabolic health. If you are one of those 20% you should be the most energetic people in the room wherever you go! If you exercise consistently and you're tired all the time, something isn't right. It may be about the exercise you're doing, the fuel you're consuming or absorbing, the way you're handling the stressors on your plate, or a combination. There may be something more going on, but often when you have this “check engine” light going on, addressing some changes will help.   This is the best place to start to address why you're tired all the time in menopause.   1. Stop Exercising “As Usual”  The mentality “This is the workout I always do. If I don't, I will lose my fitness” makes it worse! Even though metabolism changes are documented, pushing exercise to the brink of exhaustion is not the first line of defense in fixing it.  Science states, “The basal metabolism of the female body decreases significantly, which can mean a decrease in the basal metabolic rate (BMR) of up to 250–300 kcal per day.” This inspires a diet mentality that is of the eat less, exercise more, you're not going to benefit from this.  2. Move And Eat In Small Snacks  Small movements (exercise snacks) like walking 10 minutes 3 times a day, instead of a long walk, will be better for overall fatigue. This helps sustain blood sugar levels. If you are suffering from adrenal fatigue, you may have blood sugar dysregulation and you may not have an appetite in the morning. Eating in small snacks throughout the day can stabilize blood sugar levels too. Tired All the Time Isn't “Normal”    3. Track Food To Check On Macro And Micro Nutrient Intake  Cited in studies, key preventive nutrients in menopause are:  Vitamin D Calcium Vitamin C B Vitamins Protein I would also add: Magnesium Omega-3 We need protein and micronutrients to gain lean muscle and strength.   4. Consider Lab Testing For Micronutrient Sufficiency and Cortisol Levels (saliva vs blood, dried or wet urine)  Lab testing will tell if you are sufficient in levels of micronutrients. You can take a look at, are you in norms or are you optimal?   5. Support With Adaptogens To Help The Body Help Itself  Maca, Ashwaghanda, and Rhodiola I found the most benefit personally from Maca. I felt better within a week just taking a morning dose.   These are all steps you want to take whether you are or aren't on HRT. If you're progesterone is low and that's interfering with sleep, it can make a big difference. These things just cover the basics and relate to your exercise and fitness routine.    Additional steps you want to take: Check thyroid levels with a functional doctor. Get a stool test if your digestion isn't what it should be. That will tell you the status of your good and bad gut bacteria and let you know how to feed with the right probiotics so you feed the good ones and starve the bad.  Utilize a health coach who understands optimal levels vs norms of micronutrients. A doctor is necessary to help you interpret many things like thyroid and hormones as well as getting the right tests to begin with.  Seek support from a functional doctor who can recommend specific tests that differ from your traditional physician and help you sort out any of these.    References to Why You're Feeling Tired All the Time in Menopause:  PLoS One, 2024, PMID: 38421977. Nutrients, 2023, PMID: 38201856.   Other Episodes You Might Like: Previous Episode - You're Not Really Bloated! Next Episode - Stronger Muscles, Longer Life: The Untold Value of this Accessible to All Anatomy More Like This - Why It May Be Your Thoughts Keeping You Fat, Tired or Injured in Menopause More Like This - How to Make Progress without Tired All the Time Results   Resources:  Don't know where to start? Book your Discovery Call with Debra. Opening in August!! Join the Hot, Not Bothered! Challenge to learn why timing matters and why what works for others is not working for you. Balance hormones in menopause with Femmenessence® MacaPause®. Get your micronutrients tested with YourLabWork.  

Dr. Tracy Gapin is a renowned expert in men's health optimization and longevity with over 25 years of experience as a board-certified urologist. As the founder of the Gapin Institute for Precision Medicine, Dr. Gapin leverages his extensive background to help high-performing entrepreneurs, athletes, and executives reach their peak potential through cutting-edge, data-driven health strategies. He combines lifestyle medicine, functional medicine, epigenetics, hormone therapy, and regenerative medicine to help clients significantly enhance both their well-being and performancePlease learn more about Dr. Tracy Gapin at www.GapinInstitute.comIn this enlightening episode of Mr. Biz Radio, host Ken "Mr. Biz" Wentworth welcomes Dr. Tracy Gapin. Dr. Gapin shares his inspiring journey from a busy urologist to a trailblazer in proactive health management, empowering men to reclaim their vitality and long-term wellness. The conversation explores the pressing issue of neglected men's health and emphasizes the critical need for proactive rather than reactive medical strategies. Dr. Gapin provides actionable insights on how high-performing individuals can optimize energy, focus, and drive to achieve peak performance—both personally and professionally.Key Takeaways:-Men's health should be proactive, focusing on diagnostics and preventing illness rather than reacting once it occurs.-Comprehensive blood tests and other diagnostics provide actionable insights into health and can dramatically improve energy and focus.-Quality sleep is crucial for optimizing health, as it allows the body to repair and rejuvenate itself.-Utilize wearable tech like CGMs and rings to track metrics such as heart rate variability and sleep patterns for better health outcomes.-Understand that a one-size-fits-all strategy is ineffective; health optimization should be personalized based on individual biomarkers and lifestyle choices.

Momoko Uno is a doctor of integrative medicine, certified functional medicine practitioner, licensed acupuncturist, board certified herbalist and has a masters in spiritual psychology with an emphasis in consciousness, health and healing. She is the owner and founder of Omni Wellness NYC, author of two books, with a science fiction comedy and other books to be released this year. Laughter is medicine!http://momokowrites.com/https://www.omniwellnessnyc.com/Sponsors:https://www.dubby.gg/discount/minddog...https://tantaly.pxf.io/jezWbe https://invideo.sjv.io/c/3290446/1543...https://mindbloom.sjv.io/c/3290446/15...https://daily-high-club-affiliate-pro...https://www.opus.pro/?via=a28600https://goodbru.com/?sca_ref=8203535....DONATE TO THE CHANNEL: https://www.paypal.com/donate/?hosted...Join this channel to get access to perks:   / @minddog  

Jonnu Smith will be spread out wide with Pat Freiermuth in tight for most of the offensive sets. How will the Arthur Smith offense evolve? Jeff thinks the Steelers will utilize the middle of the field more with the pieces they have. Jeff thinks the over/under for Aaron Rodgers to play in the preseason is just two series.

“We love the one-off projects, but our real passion and what we're really looking for are ownership groups where we can do a project with them, forge a relationship, build that trust, and then we grow alongside them.” Joining Dan is Aggie Zamir, Vice President of National Hospitality and Gaming at Cumming Group. They discuss Aggie's insights into the luxury hospitality industry, the importance of building trust and relationships, and how Cumming Group works as a project management office (PMO) and owner's representative. The conversation also touches on mentoring young professionals, the impact of industry organizations like AHLA, and the personal fulfillment that comes from fostering community within the hospitality sector. Takeaways: Establish trusted relationships within your teams and with clients. Trust and strong relationships can help navigate through project stresses and challenges more effectively.Focus on finding clients who appreciate and value your service offerings and are looking for a long-term partnership. This can help with sustained, meaningful growth rather than just seeking one-off projects.Whether in a project setting or through professional dinner gatherings, creating a sense of community among colleagues, clients, and industry professionals can lead to more inspiring and productive collaborations.Navigate client preferences by partnering them with experienced team members who can help guide projects to success while respecting client visions and requests.Utilize available technology like project dashboards to keep track of multiple project metrics and ensure streamlined communication across teams and with clients.Get involved in mentoring young professionals or students in related fields. It can be both personally rewarding and beneficial for the industry.Quote of the Show:“Everybody can participate in their community or participate in the industry or mentoring in their own personal way, right? There's no prescription for it.” - Aggie ZamirLinks:LinkedIn: https://www.linkedin.com/in/aggie-zamir-a750982b/ Website: https://cumming-group.com/ Shout Outs:0:42 - AHLA https://www.ahla.com/ 0:45 - SCI Arc https://www.sciarc.edu/ 2:37 - Redbird https://redbird.la/ 37:16 - Joe Saatcamp https://www.linkedin.com/in/joe-saatkamp-3b1b6712/ 37:32 - TRT Holdings https://trtholdings.com/ 37:39 - Omni Hotels https://www.omnihotels.com/ 38:46 - Gavin Middleton https://www.linkedin.com/in/gavin-middleton-48aa9910/ 38:56 - Starwood Capital https://www.starwoodcapital.com/ 42:35 - Channing Henry https://www.linkedin.com/in/channinghenry/ 43:45 - Marriott https://www.marriott.com/default.mi 52:16 - Hollywood Bowl https://www.hollywoodbowl.com/ 52:18 - Musso and Frank's https://mussoandfrank.com/ 52:25 - Dodgers https://www.mlb.com/dodgers 52:28 - Rams https://www.therams.com/ 

Title: Stop Chasing the Woman in the Red Dress: Multifamily Is the Smartest Move with Joe Fairless Summary: In this conversation, Joe Fairless and Seth Bradley discuss the importance of authenticity in business, the current state of the multifamily real estate market, and effective strategies for raising capital. Joe shares insights on sticking with multifamily investments despite market fluctuations, leveraging technology like AI and EOS for operational efficiency, and the significance of building authority and expertise in the field. The discussion also touches on personal reflections and aspirations, emphasizing the value of character and commitment in both business and personal life. Links to watch and subscribe:   Bullet Point Highlights: Authenticity is key in business interactions. Focus on your strengths and expertise. The multifamily market fundamentals remain strong. Utilize technology to enhance capital raising efforts. Building authority is crucial for new capital raisers. Networking through influential connections can be effective. Character is more important than reputation. Sticking to one niche can lead to greater success. Continuous learning and adaptation are essential. Coaching and mentoring can be fulfilling personal pursuits. Transcript:  Joe Fairless (00:03.629) Hey, how you doing?   Seth Bradley, Esq. (00:04.881) Alright man.   How are you? I don't know if we've actually met in person or not, but funny, I'll share the story once we start officially recording, but once upon a time when I was trying to find my place in this syndication world, had a phone call with you and it was awesome to actually get to speak with you at the time because it was just like, whoa, this is Joe Fairless, right? So it was a huge deal, so it's awesome to have you on the show.   Joe Fairless (00:34.966) You know what? I take notes of every conversation and I see it was around May of 2019. Yeah, yeah, I see that. It's awesome. Well, looking forward to every five years we should do this.   Seth Bradley, Esq. (00:43.988) There you go. There you go. Awesome, man. Awesome.   Yeah, let me...   Seth Bradley, Esq. (00:53.1) Sounds good, man. Sounds good. Sounds good. So just to give you a little bit of groundwork here. So I'm a securities attorney by trade. I've raised capital for syndications, those sorts of things. I'm currently with Tribest, I'm chief legal officer over there. So we do, put together fund to funds in a box for capital aggregators. And I'm rebranding the podcast. So once upon a time it was Passive Income Attorney. I was really focused on bringing in investors into my deals, raising capital, that sort of thing.   Now I'm rebranding this as raising the bar gonna be kind of more of a general General podcast on business and raising capital and in real estate that sort of thing. So It's gonna be more of a general audience before it was past investors This is gonna be more kind of business people active investors because I'm actively trying to bring in you know capital raisers and People like that. They're putting deals together for my law firm and for for tribe vest   Joe Fairless (01:33.998) Mm-hmm.   Joe Fairless (01:48.354) Mm-hmm.   Joe Fairless (01:51.884) Makes sense. Thanks for that context.   Seth Bradley, Esq. (01:53.544) Yeah, cool cool. So and then format wise we'll just do it'll be pretty short We're gonna do like 25 minutes 30 minutes And then we'll go into kind of these like mini segments because I want to do these mini episodes And I think I sent those over to you one is just million dollar Monday. Just kind of how you made your first million How you made your last million how you're make your next that sort of thing and then the next one is the the 1 % segment which is kind of you know, how did you become basically?   Joe Fairless (02:00.504) Sweet.   Joe Fairless (02:15.47) Mm-hmm.   Seth Bradley, Esq. (02:21.364) 1 % like the best top 1 % in what you do and that sort of thing and just kind of giving actionable steps to the listeners about how they can get there too.   Joe Fairless (02:25.442) Mm-hmm.   Joe Fairless (02:30.314) Awesome. Sounds good. Sounds like fun.   Seth Bradley, Esq. (02:32.98) Cool. All right, man. Well, we're already recording, so I'll just kind of jump into it and then we'll make the, I'll make the cuts later. cool. Welcome to Raise the Bar with me, your host, Seth Bradley, where we have elevated conversations on raising capital, real estate, and entrepreneurship. Today, we have an incredible guest, Joe Fairless. If you've been living under a rock, then maybe you haven't heard of Joe, but everybody in my industry knows Joe as an industry leader, a thought leader.   real estate entrepreneur, extraordinaire, marketer, master marketer, all of the above. So Joe, welcome to the show.   Joe Fairless (03:10.36) Looking forward to our conversation, Seth.   Seth Bradley, Esq. (03:12.884) for sure man. So, you know, I like this question because it's kind of unusual and I have a hard time answering it and you might too, but we'll see. you know, when a stranger asks you what you do and it just comes up to you maybe at a conference or on the streets, what do you say?   Joe Fairless (03:28.398) I'd I buy apartment buildings.   Seth Bradley, Esq. (03:30.546) I love it. Keeping it simple, man. I guess that was an easier answer than I anticipated.   Joe Fairless (03:35.182) Well, yeah, I've been to in my early days I went to seminars and they have much longer more thought-provoking responses like, know, I help high income earners create passive income or something along those lines, but I keep it simple. I buy apartment buildings and then, you know,   let the conversation go where it naturally would go.   Seth Bradley, Esq. (04:06.366) I love that man. Yeah, and you know, to be honest, know, that response that you just mentioned is a little bit played out. Don't you think? I feel like if you're on LinkedIn or if you're on, you know, conferences, everybody's like, yeah, I raised capital from passive investors so I can help them do this and do that. Do you think that's a little bit played out? Do you think that people need to kind of change that marketing strategy at this point?   Joe Fairless (04:25.697) Well...   I think you should just be authentic. think just go with what feels right for you and what you'll enjoy talking about. Just go with what feels right for you. That's what I do. I am not a salesy person.   I feel uncomfortable if I'm trying to sell someone something. I believe in what I do, but I feel uncomfortable if I'm trying to force it. And so if I'm like, I was just at a dad-daughter dance this past Sunday and we met up with some couples that I didn't know any of them. was just couples that, you know, my daughter...   goes to their parents of the kids who go to school with my daughter. And so I was talking to one of the dads and he said, what do you do? I I buy apartment buildings. And he said, that's interesting. Then we started talking about what I do because he was naturally interested. And I enjoy that much more than trying to intentionally bait a hook. I'd just rather just have a conversation.   Seth Bradley, Esq. (05:40.03) Yeah.   Seth Bradley, Esq. (05:43.57) Yeah, yeah, I think that's the key, right? Especially in today's world where everything's online and you just get marketed to and advertised to all the time. You've got to be authentic and you need to have an elevator pitch, it's got to be authentic. It's got to be really who you are. And it can't be sales because people are so sensitive to that nowadays, whether you're raising capital or whether you're W2 doing your job. And we're all salespeople to a certain extent, whatever we do.   But people are very sensitive to that. So you've got to really focus on being authentic and coming from a place of genuineness.   Joe Fairless (06:20.91) Nobody in the world can do you like you do you. You've got a unique strand of DNA that no one else can be the Seth Bradley that you are, the Joe Farrells that I am, because it's impossible. It's impossible. There is no one like you. There is no one like me.   And it's just the more magnetic, the more genuine and true to who I am, the more magnetic I feel like I become because people enjoy authenticity and it's just the right way to play it, right way to do it.   Seth Bradley, Esq. (07:01.684) Totally, totally, totally. For our audience, just tell us what you're doing nowadays. mean, there's been kind of some changes in the market with the interest rates going up, those sorts of things, maybe starting towards the end of 2022. I know for myself, I was in the capital raising game for a number of years and then I kind of slowed down there towards the end of 2022, beginning of 2023, just to kind of see what the market was gonna do, just to see if we could still get some really good deals going, see if some of the other deals were going bad.   you know, what, what are you up to nowadays? Like what's your focus? right now.   Joe Fairless (07:36.77) The focus has been and always will be on our current portfolio and the deals that we have and operating those deals the best that we can and continuing to improve the NOI. So that is the focus.   There we have some deals that have floating rates with rate caps and the focus is to figure out how not to have floating rate with rate caps that you have to continue to renew once they expire. So that comes with refinancing and in order to refinance and sometimes you have to do a capital call or if you don't do a capital call you gotta bring in equity in some form or fashion to refinance.   some cases, it just depends on the deal. So the focus is on the portfolio and always will be. And then the secondary thing that we look at is acquisitions. How do we capitalize on the market that we're at right now? mean, the best way to describe it that I've read is it's stagnant. You know, it's just...   Not sure. The water, there's stuff growing in the water, but not sure if you really want to be part of what's growing in the water right now. Like it's just, it's stagnant and what will, but we also know what is coming.   Seth Bradley, Esq. (09:00.486) Yeah.   Joe Fairless (09:12.264) and that is the supply demand shift in multifamilies favor depends on the sub market and the market obviously. But generally the Sun Belt is going to greatly benefit in the next year, year and a half, in some cases six months from now.   with the supply-demand dynamic with new supply drying up and increasing the demand for the existing supply. Again, depends on the market, depends on the sub-market. So how do we capitalize on that? is there any way to be opportunistic with what's happening with some deals from other operators that   didn't work out. know, there haven't been a lot of foreclosures, but there have been some. And we have relationships with our lenders that are pretty strong. And in fact, one, a large lender that we have a really good relationship with, that we have properties with, they foreclosed on someone else's deal. And I won't name names on who they foreclosed on, but they foreclosed on someone else's deal and they came to us   Afterward and said hey here here. Here's a here's an opportunity. It's in a great area of Fort Worth and I'm from Fort Worth so I know we have a lot of property there too, but I know the market also I grew up there and We'll give you this special financing of around 3 % or so interest rate fixed interest rate   for year one and then it's fixed through the whole period of the loan but then the interest rate steps up to around four, four and a half percent over the five years. So to get that type of essentially seller financing but it's lender financing direct from the lender lending institution that foreclosed on the deal in a very good area of Fort Worth.   Joe Fairless (11:29.326) There are opportunities out there also. So it's how do we become opportunistic and find these deals. And so we're in the process of closing on that deal or doing due diligence on that deal. We're under contract and we're scheduled to close in about a month and a half from now.   Seth Bradley, Esq. (11:49.316) Awesome, awesome. Have you found it difficult at any point in time, kind of over these last couple years where the market has slowed down?   Joe Fairless (11:56.654) Whatever you're gonna say, yes. So finish your question, but the answer is yes. Yes, I found it difficult over the last couple years, but what exactly are you asking about that's difficult?   Seth Bradley, Esq. (11:59.732) Yeah. Sure. Specifically, should say sticking with multifamily because you are a multifamily guy and you you've seen you've seen where everyone, you know, everybody wanted that on that multifamily train for, you know, a decade, if not longer.   Joe Fairless (12:15.598) Mmm. Man.   Seth Bradley, Esq. (12:23.696) And now you've seen a lot of these same people change their tune and say, okay, well, you know what? Let's pivot to something else. Let's pivot to car washes or private credit funds or all these other things.   Joe Fairless (12:29.998) Man, I'm actually, I know you're an attorney, but can I strike my yes actually from that question? Cause no, actually the answer is no. I haven't found it difficult to stick with multifamily. Hell no. No. You know, you go to a restaurant at a diner and they offer lasagna, California roll and what else?   Seth Bradley, Esq. (12:41.16) Hahaha   Seth Bradley, Esq. (12:49.107) Ha ha.   Seth Bradley, Esq. (13:01.204) Ha   Joe Fairless (13:01.356) Pad Thai, you know, are they gonna have the best lasagna, California roll, and pad thai? No, no. They've got something for everyone, but they're not gonna be great at any of it. I'd rather go to an Italian restaurant that makes their own noodles, right? Makes their own pasta. And where they specialize in one thing.   Not at all. No, we I believe in the fundamentals of multifamily. I believe in the supply demand that is here. I mean we had a record number of supply across the board and multifamily and the occupancy maintained 90-91 percent depending on the market but it maintained in the 90s in a record number of supply and by the way at the same time you got   the capital markets raising interest rates the way they did. And a lot of people have been able to hold serve. And the fundamentals of the supply demand and how much...   how many renters there are out there and how that will continue is there. That's cold hard facts. There is demand, a lot of demand, and there will continue to be even more demand because the supply is trailing off. We have never looked.   outside of multifamily because it's so strong. I think that is a cultural thing actually because if you, anyone who's in the sports, college sports, they'll know about the NIL and   Joe Fairless (14:54.784) how you can bounce from one team to another year after year. And so you'll find some people who aren't starting and if they put in the work then, and I'm for NIL, I think players should be paid, but I don't think that they, I don't think they should, I don't think it serves them as young men and young women.   mostly young men in this case who are bouncing from place to place, to not compete and not work for a starting position and instead just go somewhere else the path of least resistance. That's not how you build character. There's a really good book, it's called The Road to Character.   and they talk about in the book, they give different examples of people throughout history. And they're not exceptional, like saintly people. They're people who are normal people, but what they did that is atypical for what our culture does now is they stuck with things even when it was tough.   Seth Bradley, Esq. (16:09.682) Mm-hmm.   Joe Fairless (16:09.998) and instead of bouncing from thing to thing because what happens is when you bounce from thing to thing you don't get an expertise you don't get the the depth of knowledge the scars that that you need in order to be truly exceptional at that one thing and it's just surface level   And it'd be like if you feed your kids candy for every meal. I mean, it's same thing. You can't live on mental candy, right? You gotta have some substance. You gotta go through things.   Seth Bradley, Esq. (16:43.06) Yeah, I love that man. I love that metaphor. I love that. Like you've got to get reps, whether the times are great or an easy or whether they're hard. And those hard reps are the ones that are really going to set you up for success down the line. Like if you're able to execute in the hard times, then when times turn good again, you're going to be at the top, right? You're going to be cream of the crop. What do you, what do you think it is about you and maybe your company that's enabled you to do that, to stick?   to multifamily and not say, ooh, you know what, I'm a really good marketer so I can raise capital for anything if I really want to, right? You're in that position and what is it about you and your company that's been able to allow you to stick to multifamily and just stick to it during these hard times?   Joe Fairless (17:32.762) the fundamentals are there. I mean, you could make an argument that if we were office investors, and I have some friends who are really keen on investing in office now and in the future, but you could very easily make an argument that with the amount of office space that people have currently, you don't need as much of that space.   It's not a five, you know, three to five to seven year play. Maybe it's a 20 to 50 year play. I don't know. Who the hell knows what's going to happen with office and working from home and AI and automation and all that. But with multifamily, the challenge is capital markets. Now there are some other aspects like the hyper supply, which has tapered off.   because of the higher interest rates increase in you know insurance which has tapered off back to the single digits by and large but that that was a big thing property taxes depending on where you're at but the fundamentals are there people are renting and consumers for yeah unfortunately for generally you know for the general consumer their credit card debt   is going up. They're still paying off their credit card debt from purchases almost 12 months ago. More than half of people are paying off purchases for more than 12 months ago. that's so right now they've been out earning their income because income has been increasing. But what happens if that income stops increasing the way it has been?   the debt's not going anywhere, especially credit card debt, and that's certainly not going to make more first-time home buyers that dynamic. So the fundamentals are there, and not to mention we already have a housing shortage deficit, major deficit.   Seth Bradley, Esq. (19:50.866) Yeah, so it's the belief and it's the knowledge like it's the education like you you know that the fundamentals are there you you're you're basing your resilience in the market to What you're seeing in the data like hey, it's you know We we believe in this asset type because of the data that i'm Well educated and well versed in   Joe Fairless (20:09.752) Mm-hmm.   Joe Fairless (20:14.346) Absolutely.   Seth Bradley, Esq. (20:16.168) That's incredible. That's incredible. Has anything changed in the way that you potentially because you've got a deal that might be going through in the way that you either have raised capital recently or how you are going to raise capital for your next deal as compared to when it might have been a little bit easier, let's say five years ago from passive investors?   Joe Fairless (20:38.612) Yes, we have implemented a system that I'm sure a lot of your listeners have heard of EOS, Entrepreneur Operating System, and that has been very helpful. We just did our focus day a month ago, but we've hit the ground running and we have our, I think, Vision Day part one later this month and Vision Day two.   next month and that has allowed ownership among the team members to really thrive because team members are responsible for rocks or their goals but if you say goals instead of rock they'll the EOS person will slap your hand so I'll continue to say rock so they're responsible for rocks and it's just   It takes more, the individuals on the team have more ownership. So that's not something sexy or flashy that I think your question was getting to. So I'll say something else that has been helpful would be doing Facebook ads for getting new accredited investor leads.   at scale. That's the best way that we found to get credit investor leads at scale is through Facebook ads. And we have an agency that we work with. And I just hired a director of marketing who has some really good experience and he's overseeing them and the marketing team. And then   Another thing that has been helpful that where I'd say just scratching the surface I'm a big proponent of AI and how I believe We are in the middle of a major change for our society with because of AI I think it is just as major of a change as it as it as when we all got internet in our homes   Joe Fairless (22:51.602) on a personal computer. I think it's that big to have access to, just think about phone books to Googling something on your computer. So with AI we've incorporated it and are incorporating as much as possible in one aspect to address your question about how we're doing things differently. One aspect.   is that on our investor calls, our prospective investor calls, we record them. They know it's being recorded and on a recorded line. We have an AI service that then takes the information from the call and grades the call. But then not only that is we look at, those investors, which ones of those investors invest?   What did we say? What did they say on those calls? What are some common commonalities? Which ones didn't invest? What did they say? What did we say? And starting to identify trends and words and topics to talk about and to address on the calls to increase the conversion rate.   Seth Bradley, Esq. (24:07.048) That's great, man. I love it. You kind of went full circle there. You've got EOS, which I'm a huge proponent of. We use that across the various companies that I have, some form or another. There's got to be a framework of organization and accountability and being able to look back and say, hey, we've had this problem before and here's how we solved it before. Or hey, this problem is still occurring from last week's L10 meeting. What do we need to do to improve it? How do we solve that issue?   Joe Fairless (24:33.166) Mm-hmm.   Seth Bradley, Esq. (24:36.712) How do we keep moving forward rather than, what did we talk about last week or what did we talk about last month? You've got to have a way to organize things and a way to solve issues organizationally, especially as you grow. So EOS, huge proponent of it, man. I mean, it's awesome. Like you have to have some form of it, even if it's not to a T with the book, Traction is where that comes from. You have to implement some form of organization and framework for your company. And then like you said,   Joe Fairless (24:41.389) Yeah.   Joe Fairless (24:56.575) Mm-hmm.   Seth Bradley, Esq. (25:03.284) you know, with AI, everyone has to stay on the forefront of what's going on right now. I know I was even a little resistant myself. was like, chat GPT, is that? Eh, you know, and put it off for a little bit. And then once you start using that, along with all the other things as well, I'm just using that as kind of a baseline, but just learning how to use chat GPT in your everyday life, it's just a game changer. Because now your whole thought process changes. It's not like,   Joe Fairless (25:08.547) Yep.   Joe Fairless (25:20.14) Mm-hmm.   Seth Bradley, Esq. (25:31.22) I need to put together this entire article or blog post. It's like, how do I prompt it correctly to to produce this blog post or this article in my voice and then edit it through that or, you know, all these different things you figure out, like how to prompt rather than how to actually take this solution all the way from start to finish. Let that technology tell you how to do it. So it's awesome. And then Facebook ads as well.   Joe Fairless (25:45.206) Mm-hmm.   Seth Bradley, Esq. (25:58.964) you've got to really dial those things in, right? It can be a money pit, but at the same time, if you can master that, and it sounds like you hired an agency that's very industry specific, which helps out a lot. And from what I've seen, we have gems, we have a capital raising business, we have all these different things, and finding somebody that's niche to that industry is super important.   Joe Fairless (26:22.434) That's right.   Seth Bradley, Esq. (26:25.756) I'd love to go back and stay on this capital raising subject, especially for people that just started out. So like now you're doing EOS, now you're using AI, now you're using Facebook ads, do you have some capital to be able to invest in those ads? What about for somebody that's just kind of starting out? they're, you know, maybe this is their first fund to fund or, you know, their first property that they're raising capital for. Like how do they effectively launch their first   Capital Race.   Joe Fairless (26:56.59) Well, I would read the book that I wrote on syndication because I walked through the whole process of that best ever syndication book. So, but for this this relatively short conversation, I'd say first,   Seth Bradley, Esq. (27:04.404) Great book.   Joe Fairless (27:19.606) People have to make sure you have to make sure that people perceive you and you are actually a real estate expert and That because you might have you might have been if this your first one first deal then I'm assuming you came from some other industry or   If it was real estate, maybe you're a property manager, they don't know about all aspects of your expertise as it relates to real estate. you've got to, by having a thought leadership platform, you'll interview others who have that experience, you'll continue to learn, hone your skills, and then you'll also be associated with those who have those skill sets, and that will be helpful for you.   Once you do that, assuming that you are the expert and you are also perceived as the expert, then what I would do, and what I did actually on my very first one is I created a spreadsheet. And the spreadsheet had the name of the person, how I knew them, and then,   What I did is I wrote down all the different names and then how I knew them. So for example, I was on the alumni advisory board for Texas Tech. I was on a flag football team in New York. I wrote someone's name down there. On my flag football team, was working at different companies. I worked at different companies, so I wrote down different coworkers at different companies.   the key here for doing it this way is identifying the person. So then you sort them by how you know them. all the people from the flag football team would be sorted together. All the people from XYZ company would be sorted together. And then you identify the most influential person within that group. And you talk to him or her.   Joe Fairless (29:39.306) about your opportunity. And once you talk to him or her about the opportunity, and if they find it appealing or at least they want to learn more about it, then you can go to the next person in that group and you can name check. You can say, I was just talking to Seth about this and he's got some follow-up questions about it and I thought it also would make sense to talk to you about it too.   So then you come in a little warm with the group dynamic versus if you come in cold on an individual level.   Seth Bradley, Esq. (30:11.924) Mm-hmm.   Seth Bradley, Esq. (30:18.822) I like that man. That's a very, very nuanced strategy tidbit there. What I really heard was, you know, authenticity and authority, authenticity in that. Yeah, you've got to educate yourself. You've got to be a real estate expert if that's what you're raising capital for and authority. And then you've got to show people, you know, why you're the expert, why you know all these things, why they should listen to you to invest in something like this and even leveraging the authority of others with that.   that strategy where you go to this influential person and say, look, this person likes this deal too, and here's why. And then they can go to them and they kind of look to them as additional authority because they kind of look to them as that thought leader or that leader in general. So pretty great, man. Start wrapping this up, but this is kind of a nuanced question that I love to ask and ...   Because once upon a time I went to I went to med school for a little while and then I dropped out and because I just I hated it knew it wasn't for me and I'm going to law school and then got into real estate. So you know in a parallel universe tell me about a different version of you a different but likely version of you if you didn't exist as you do today because right now you know you're you're an apartment buyer you're a great marketer you're an entrepreneur.   Joe Fairless (31:38.164) I'd say I really enjoy coaching my daughter in soccer. I do not know soccer. I grew up in Texas. I played football. I played baseball. I ran track in that order. There wasn't a soccer option or maybe even a soccer ball in Texas when I was growing up. But I enjoy coaching and in an alternative universe, I would   I would do more of that because time is, it flies whenever I'm doing that.   Seth Bradley, Esq. (32:15.036) Awesome, awesome. All right, Joe, for our listeners out there, what can they find out more about you?   Joe Fairless (32:21.494) You can go to AshcroftCapital.com and if you're looking at passive investing or if you're an operator or someone who is partnering with others, then my conference is a good place to be. It's besteverconference.com. It's gonna be March 3rd and 4th in Salt Lake City this year.   I can get a discount code to your people too.   Seth Bradley, Esq. (32:52.51) Great, yeah, I'll drop that in the show notes and I'll see you there, Joe. So we'll shake hands in person. So thanks again for coming on the show. Really appreciate it and we'll catch you next time.   Joe Fairless (32:57.304) Sweet. Awesome.   Joe Fairless (33:05.518) You know what, in just a second, I'm gonna just tell you the code, that way you don't have to do any work. Whenever I do a podcast and someone says, I'll send it to you, I'm like, more work for me to do later. So, all right, here's a code. Hurry 25, it'll be 25 % off all ticket types. H-U-R-R-Y, all lowercase, and then number 25, you get 25 % off all tickets, except for the LP ticket.   Seth Bradley, Esq. (33:09.917) Okay.   Seth Bradley, Esq. (33:13.808) Yeah, I know then you gotta follow up.   Seth Bradley, Esq. (33:35.924) Let's roll right into these million dollar questions and then I'll let you go.   Seth Bradley, Esq. (33:44.884) Alright Joe, let's jump into this. So, how did you make your first million dollars?   Joe Fairless (33:52.185) Same way I made my last one so spoiler alert. It's it's selling when a deal exited so The is probably The seventh or eighth Deal I had one million dollars on one transaction, right? Like is that chunk about? Yeah, I   Seth Bradley, Esq. (33:55.56) Hahaha   Seth Bradley, Esq. (34:12.767) Really million dollars in your net worth   Seth Bradley, Esq. (34:17.96) What puts you over the edge there? How did you grow that first million?   Joe Fairless (34:21.626) I lost my first million before I ever came across it. That was on the very first deal. It would just be, it'd probably be through an exit of a deal.   Seth Bradley, Esq. (34:26.056) Ha   Seth Bradley, Esq. (34:35.614) Sure, yeah, and I'll bet it's probably similar. mean, how are you gonna, how are you planning on making your next million dollars? Same thing, the apartments, all about apartments, man. I love it, singular focus, that's where it's at. mean, riches are in the niches.   Joe Fairless (34:41.144) Same thing. Yep. The apartments. All apartments. That's right.   Yep.   Seth Bradley, Esq. (34:52.564) All right, you're clearly in the top 1 % of what you do. What is it about you that separates you from the rest of the field?   Joe Fairless (34:58.958) Mmm.   I do what I say I'm gonna do. And sadly, that separates me from a lot of people, not all people.   but that's a big focus of mine. And it's not about my, I recently read something that resonated and that was don't focus on your reputation, focus on your character. Reputation is such a vanity metric, but the character is who you are when no one's looking and being proud of who you are. And that's vital to me.   Seth Bradley, Esq. (35:37.524) Yeah, and it's not just saying what you're going to do to other people, but also with yourself, right? To yourself.   Joe Fairless (35:43.726) Mmm good point. Yeah when you're when when I'm on those runs and I can just stop Whenever I want But then I'll be I'll know I'll know I didn't go through this, you know, you know made up finish line that I had predetermined in my head and And that's that's there's there's something to be said there. I'm glad you brought that up   Seth Bradley, Esq. (36:10.644) Yeah, that's that's the key right? It's not just when somebody when it's dependent on somebody else or somebody else is watching It's you know, what do you do when nobody's watching and what do you do when it's just a promise to yourself? Do you follow through do you keep those promises things as easy as hey when you set your alarm in the morning and you wake up Do you do you get up or do you hit the snooze button? Like you made a promise to yourself the night before to wake up and get up when that alarm goes off Do you keep that promise?   Joe Fairless (36:15.415) Mm-hmm.   Joe Fairless (36:25.229) Yeah.   Seth Bradley, Esq. (36:39.12) Awesome. All right, brother. I think that should do it. I will see you. I'll see you at BC, man.   Joe Fairless (36:46.42) Awesome. I appreciate it. yeah, if anything you can do to help get to get the word out about the conference to your email list, I'd appreciate that also. All right. Thanks, Seth. All right. Bye.   Seth Bradley, Esq. (36:57.404) Absolutely. All right, brother. Talk soon. See you. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en   Joe Fairless's Links: https://www.facebook.com/imjoefairless https://x.com/joefairless https://www.linkedin.com/in/joefairless/ https://ashcroftcapital.com/our-team/joe-fairless/ https://www.instagram.com/besteverpodcast/?hl=en

In this episode, I'm breaking down what you should be doing with AI chatbots like ChatGPT right now. And I don't just mean ChatGPT I'm talking about any AI tool out there: Claude, Grok, whatever your favorite is. The key is not which one you use, but how you use it. I also explain why this tech is moving faster than most people realize and how you need to get ahead of the curve starting today. Plus, if you didn't know, I got my own custom chatbot you can try for free DreGPT. Show Notes:  [01:56]#1 Replacing Google.  [06:18]#2 Get the paid version and create a custom GPT.  [15:47]#3 Ask multi-layered questions and get solid directional insights.  [22:35]Recap Next Steps: ---

Cody Garrett, (CFP), joins Brad to discuss the pervasive myth of the middle-class trap in the financial independence (FI) community. Through four case studies, they illustrate how individuals often feel trapped financially due to psychological barriers rather than actual limitations. The conversation provides insights into turning retirement accounts into income and emphasizes the importance of clarity in financial planning. Key Takeaways: The concept of the middle-class trap is primarily a psychological barrier rather than a reality. Financial independence can be achieved through better understanding of retirement accounts and using strategies like the 72T plan. Home equity should be viewed as an asset that can be leveraged rather than a barrier to financial independence. Actionable Takeaways: Challenge Perceptions: Understand and challenge your perception of the middle-class trap. (00:09:58) Utilize the 72T Plan: Consider using the 72T plan for accessing retirement funds early. (00:29:45) Evaluate Home Equity: Assess your home equity as a potential resource for retirement planning. (00:48:41) Timestamps: 00:00:00 - Introduction to the Middle-Class Trap 00:05:02 - Understanding your wealth's potential 00:06:15 - Dispelling the middle-class trap myth 00:12:08 - How psychological barriers affect retirement planning 00:24:05 - Case Study 1: Upper Middle Class 00:41:20 - Case Study 2: Lower Middle Class 00:47:11 - Home Equity Discussion 00:54:27 - Case Study 4: Selling the Home 01:03:49 - Conclusion and Takeaways Major Topics Discussed: Middle-Class Trap Myth: Discussion around the psychological aspects of feeling trapped despite solid financial bases. (00:08:02) Understanding Retirement Accounts: Discussion of how individuals can access funds before age 59½ without penalties through the 72T plan. (00:29:45) Evaluating Personal Wealth: Insights on evaluating your overall financial situation and the importance of understanding the true potential of your assets. (00:05:02) Case Studies: Upper Middle Class: Case study of Katrina and Carlos exploring their retirement potential based on their traditional 401k. (00:24:05) Lower Middle Class: Analysis of Debbie and Don's retirement strategy leveraging their 401k benefits. (00:41:20) Home Equity Discussion: Examination of how home equity affects financial independence and discussing the emotional implications of selling a home. (00:47:11) Final Case Study: The benefits of selling a home to unlock equity and facilitate early retirement. (00:54:27) Key Quotes: "Clarity precedes confidence." — Gain clarity to achieve confidence in financial decisions. (01:03:49) "Pay tax when you pay less tax." — Strategic tax planning for financial independence. (00:33:38) Related Resources: Video Walkthrough of the Case Studies Book Release Notification Sign-Up

Episode Summary: Taxable brokerage accounts are often overlooked but are essential for building wealth and achieving early retirement. Brad Barrett and Cody Garrett highlight their flexibility, tax advantages, and strategic value. Cody Garrett provides insights on how to effectively navigate these accounts, dismantling common misconceptions while sharing actionable strategies. Key Takeaways: Understanding the definition and benefits of taxable brokerage accounts. The flexibility of contributions and investment options. Tax optimization strategies, including long-term capital gains and tax loss harvesting. The importance of asset location for tax efficiency. How to navigate the rules around gifting and estate planning regarding taxable accounts. Timestamps: 00:02:00 - Defining Taxable Accounts 00:10:30 - Investment Opportunities and Options 00:11:30 - Tax Benefits and Treatments 00:25:00 - Best Investment Types for Taxable Accounts 00:48:00 - Conclusion and Action Steps Main Discussion Topics: Introduction to Taxable Brokerage Accounts (00:00:00) The hosts introduce the episode's focus on taxable brokerage accounts as crucial but often ignored tools in financial strategy. Defining Taxable Accounts (00:02:00) A taxable brokerage account is described as a non-retirement account where investment income is taxed in the year it is earned, providing the flexibility of access and lack of penalties. Investment Opportunities and Options (00:10:30) Taxable accounts allow unlimited contributions with various investment opportunities that traditional retirement accounts may restrict. This includes stocks, ETFs, mutual funds, and even cryptocurrencies. Tax Benefits and Treatments (00:11:30) Earnings from dividends and long-term capital gains are subject to preferential tax rates, significantly benefiting investors. Discussion on tax strategies to minimize liabilities while maximizing income. Best Investment Types for Taxable Accounts (00:25:00) U.S. stock index funds are highlighted as optimal investments for taxable accounts due to their lower tax implications on dividends compared to foreign stocks. Conclusion and Action Steps (00:48:00) The episode wraps up with actionable steps for listeners, emphasizing the advantage of maximizing contributions to taxable accounts, especially after maxing out retirement accounts. Actionable Takeaways: Maximize contributions to your taxable brokerage account once you hit contribution limits for retirement accounts. (00:47:00) Consider holding U.S. stock index funds in taxable accounts for favorable tax treatment. (00:25:00) Utilize specific share identification methods for selling investments to optimize tax outcomes. (00:17:20) FAQs: What is a taxable brokerage account? A non-retirement account where investment earnings are taxed in the year they are earned. (00:02:30) What are the main advantages of a taxable brokerage account? Unlimited contributions, diverse investment options, and favorable tax treatment on capital gains and qualified dividends. (00:11:30) How are earnings taxed in a taxable account? Earnings are taxed in the year they are realized, which includes dividends and capital gains distributions. (00:03:00) Are there any penalties for early withdrawal from a taxable account? No penalties apply, offering flexibility compared to traditional retirement accounts. (00:34:00) Key Quotes: "Success comes with a price: don't let your money sit idle in a checking account." (00:06:00) "Prioritize earning over worrying about taxes." (00:06:16) "Taxable accounts can offer significant tax advantages." (00:11:32) "Don't let the tax tail wag the dog." (00:29:59) Related Resources: Measure Twice Money - For more insights on financial strategies. Episode #517: Tax Gain Harvesting Strategies - A detailed discussion on optimizing tax strategies. Cody and Sean's book announcement page Discussion Questions: How can taxable brokerage accounts enhance your investment strategy? What strategies can be implemented to maximize the tax advantages of taxable accounts? How should one decide which types of investments to prioritize in taxable accounts?