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====================================================SUSCRIBETEhttps://www.youtube.com/channel/UCNpffyr-7_zP1x1lS89ByaQ?sub_confirmation=1=======================================================================ASÍ ES DIOSDevoción Matutina Para Adultos 2024Narrado por: Roberto NavarroDesde: Montreal, Canada===================|| www.drministries.org ||===================27 DE DICIEMBRE EL DIOS QUE NOS ORDENA SER FUERTES Y VALIENTES “¿No te lo he ordenado yo? ¡Sé fuerte y valiente! No temas ni te acobardes, porque el Señor tu Dios estará contigo dondequiera que vayas” (Josué 1:9, LBLA). Vedran Smailović, el chelista de Sarajevo, es un músico bosnioherzegovino a quien le tocó atravesar la dura experiencia de vivir una guerra. Como tantos otros, Vedran vivía en Sarajevo cuando la ciudad fue sitiada. El que una vez había tocado en la Ópera de Sarajevo, en las Orquestas Filarmónica y Sinfónica de Sarajevo y en el Teatro Nacional, pasó a tocar ahora en la calle durante el conflicto bélico. En 1992, Smailović tocó 22 veces en un mismo día el “Adagio de Albinoni” en las ruinas de varios edificios que habían sido destruidos. Lo hizo para rendir homenaje a 22 personas que habían sido asesinadas mientras hacían fila para recibir pan el día 26 de mayo de ese mismo año. A pesar de saber que se estaba convirtiendo así en un blanco fácil para los francotiradores, el chelista de Sarajevo fue firme y valiente, y llevó a cabo su sentido homenaje hasta el final. No solo eso, sino además tocó gratuitamente en funerales durante el asedio; aun cuando los funerales fueron con frecuencia objetivo del fuego enemigo. Dos palabras vienen a mi mente al pensar en la actitud de Vedran Smailović: fortaleza y valentía. Y, por supuesto, eso me remite a Josué 1:9. En Josué 1:9 vemos un maravilloso retrato de Dios: él es quien nos ordena ser fuertes y valientes; él es quien nos dice “no te acobardes”; y él es también quien nos provee lo único que nos puede hacer enfrentar sin temor a enemigos gigantes: “Porque el Señor tu Dios estará contigo dondequiera que vayas”; y “si Dios es por nosotros, ¿quién contra nosotros?” (Rom. 8:31). La valentía que se espera de ti no es un rasgo que tú puedas desarrollar por ti mismo, sino el resultado de la obra de Dios en ti. “Tengan mucho valor y firmeza”, leemos en la segunda parte de 1 Corintios 16:13; y en la primera parte de ese versículo leemos cómo se logra: “Manténganse firmes en la fe” (DHH). He ahí la clave. Querido lector, no sé qué guerra enfrentas hoy, pero estoy aquí para decirte: “Cobra ánimo y ármate de valor, tú que en el Señor esperas” (Sal. 31:24), pues “el Espíritu que es don de Dios, no quiere que temamos a la gente, sino que tengamos fortaleza” (2 Tim. 1:7, NBV).
Stövesand, Catrin www.deutschlandfunk.de, Andruck - Das Magazin für Politische Literatur
Keith discusses the inefficiency of compound interest in wealth building, advocating for compound leverage through real estate investments. He illustrates how a $100,000 investment in a $500,000 property at a 6% annual return can yield much higher returns due to leverage (see the math below). He also explains how mortgage rates are influenced by long-term bond yields and discusses the benefits of real estate over stocks. A coaching call with GRE Investment Coach Naresh highlights the process of investing in real estate, including financing considerations and the role of a coach in guiding investors. Here's the math on a 5:1 leveraged RE return at a 6% appreciation rate: Year One: $500,000 x 1.06 = $530,000. Subtract $400K debt = $130,000 equity Year Two: $530,000 x 1.06 = $561,800. Subtract $400K debt = $161,800 equity Year Three: $561,800 x 1.06 = $595,508. Subtract $400K debt = $195,508 equity. GRE Free Investment Coaching: GREmarketplace.com/Coach Show Notes: GetRichEducation.com/526 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript: Automatically Transcribed With Otter.ai Keith Weinhold 0:00 Keith, welcome to GRE I'm your host. Keith Weinhold, make America rich again in play numbers. You'll get a fresh take today on how compound interest does not build wealth and compound leverage does. Then you'll learn about how bond market moves affect mortgage rates. Finally, you get to listening to a call between one of our investment coaches and a GRE follower today on Get Rich Education. Speaker 1 0:33 Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com Corey Coates 1:19 You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education. Keith Weinhold 1:35 Welcome to GRE from Altoona, Pennsylvania to Saskatoon, Saskatchewan, and across 188 nations worldwide. I'm Keith Weinhold, and this is get rich education, the voice of real estate investing Since 2014 you're going to hear some things that you've never heard before today, and some listeners tell us that GRE is unlike any real estate information they've ever heard. And with what I want to tell you today, well, again, it's information that I've never heard anywhere else, either. So what I endeavor to regularly do for you here on this show is to tell you what I wish I had known sooner make America rich again, nope, that is not my presidential campaign platform for my run in the year 2032, or anything like that. It is this, don't get your money to work for you. In fact, if you want real wealth, don't work for money or get your money to work for you. Don't make either of those things the focus anyway, avoid growing your money through compound interest, because that's not the formula either. Now you and I have covered that ground before, if you're new here, and that material makes you say what you might have thought things like that were the holy grail of wealth building, nope, and today, for the first time on the show, in over 500 episodes, I'm gonna put some real numbers to that to show you exactly what I mean. Let me explain to you how to invest to truly win in a way that you've never seen in your life. You're not gonna improve only your life, but generationally, your entire family's life. At your job, you are like a dock worker. You're trying to pull your boat up to the dock so that you can then make a short, easy hop onto the boat and get away. And you'll learn how I did that and how I would begin investing today if I could start all over again. Now, after I had graduated college and had a job, I used to think, Well, yeah, I'll invest through a 401K in mutual funds, because it's easy and it's just deducted right from my paycheck. Well, when you do the easy thing in life, there's usually not much reward. And back then, I thought, Well, why would I invest in real estate anyway? I mean, a stock and mutual fund return on investment is about 10% over time. Real Estate is more like five or 6% plus real estate has all these maintenance hassles, and in the stock market, your 10% return enjoys compound interest. I don't really know how that works over on the real estate side, all right. Well, let's look at some numbers with how this would all work anyway. Here we go with $100,000 invested in stocks at 10% after year one, it's grown to $110,000 in year two, you don't just have 120k you've got more, because the 10% compounds on the 110 10k so now in year two, you've got $121,000 and I bet that you don't see any problem in this yet, right? Hey, things are going great. And after year three, you're up to $133,100 All right, so there we are. You begin with 100k and after three years, you've got then $33,100 in profit, your gain, on top of your 100k All right, that's what compound interest does. Well, let's take a closer look at that. $33,100 first, okay, I could attack it a slew of reasonable ways, if I wanted to, we could subtract out the constant drags on that of inflation, emotion, taxes, fees and volatility. But let's just take one volatility. We smoothed out our 10% return saying that you achieved it every year in that example there, we know that does not happen in the real world. Stocks are volatile, and the more volatile the return, the lower the return. Because instead, if you were up 20% one year and then down 20% the next year, which stocks are known to do you're not even you're down your 100k would instead go up to 120k in year one and down to 96k in year two, a loss, like I've told you before, that right there is the difference between what's called the compounded annual growth rate and the average annual return. But we'll just leave stocks number right there. We'll say that despite all five drags, volatility, of which is just one, the compound interest still somehow gave you this $33,100 gain. That number is about to look really disappointing, and this is about to get really interesting. Let's compare that to real estate, and we'll say that despite that, it only returns, say, 6% per year here. Well, how do most people buy real estate? They do it with other people's money. OPM, remember earlier that I talked to you about how you don't create wealth from getting only your money to work for you, like you did in the stock example. Yeah, here's how you ethically use other people's money to buy real estate. When you invest 100k in a rental property. That's your 20% down. You get to borrow 80% from the bank, 400k so now you control a $500,000 property. And here's the thing, its entire value appreciates a 6% all 500k not only your 100k invested, yes, so you're now about to get the return on both your 100k and all of the bank's money. 400k that you get to leverage returns from both are about to go to you. Oh, yes, let's run these numbers, instead of compound interest, you're about to get compound leverage, using those borrowed funds to amplify your own return. So with your 100k invested on a 500k property at 6% after year one, you've got 130k after year two, $161,800 and after year three, $195,508 why? Because, again, your 6% return was accumulating on the 500k property. All right, so after year three, with this $195,508 you're gonna subtract out your 100k down payment, and your gain is $95,508 All right, that is compared to your compound interest based stock and mutual fund return of just $33,100 if you'd like to see the math for that leverage. Return that is in the show notes. Look for it there. See, by employing other people's money, it's like when you were a kid and in the evening, your body cast a shadow five times taller than you actually were. That's how leverage allows you to magnify returns and appear to be a bigger, taller investor than you actually are. Yes, your 20% down payment on real estate gave you five to one leverage amplifying your returns. If you listen to the show for a while, you understand that, but you never saw that numeric dollar per dollar comparison like we just did. So after three years, how about 33k profit on stocks and 95k on real estate? Real estate returns almost three times as much. But in reality, it's probably more than a 3x win for real estate because you're 95 Gain over three years in real estate, equity is actually going to be higher, because your tenant is also paying down your principal balance on your 400k loan every single month for 36 months in this three year example, if your property is vacant, 10% of the time they paid it down for you 33 out of 36 months, and as we know, at the same time, inflation pays down your loan even faster than the tenant does. Real Estate is also more tax advantaged than your stock gain, because you never have to pay capital gains tax on your 95k profit with a 1031 tax deferred exchange. And on the downside for real estate, upon owning the property, you will need to pay closing costs of maybe four to 5% of the purchase price. All right now, in this 95k gain for real estate versus 33k gain for stocks, I did some rounding there. Yes, even if your stock return was in a 401 K type fund, well, you would still have to either pay the tax now with a Roth or later with a traditional retirement plan. So you're still paying the tax. The higher real estate return is also more likely because real estate is less volatile than stocks, and I've got more vitally important things to tell you about how you just grew wealth about three times faster with leverage than with compound interest. And yes, this is exactly the kind of stuff I wish I knew when I had just started out. Now if you think you don't have the money for a down payment. I'll get into that. But first, a big review here, and I've woven threads of this review through previous episodes. First, don't focus on getting only your money to work for you. And second, stress compound leverage, not compound interest. Optimize using other people's money. And when you take out a loan for rental property, you get to use other people's money three ways at the same time, three different entities, you're using their money. Number one, it's for the bank's loan, like we discussed. Number two, you're using the government's money for generous tax incentives. I only touched on one of the tax incentives. And then, thirdly, you are using the tenants money to pay down your mortgage loan and pay all of your properties operating expenses, like maintenance repairs, insurance, property taxes and pay your property manager to make this all mostly passive for you. I don't manage any of my own properties. I think you already know that. And on top of that, hopefully you'll have a little residual income after expenses every month, your monthly profit of rent income minus expenses, that is called cash flow. And when I talk about doing this ethically, use an experienced property manager. Never get called a slumlord. Provide housing that's clean, safe, affordable and functional, okay, some really core, enduring, GRE mantras in there. But what if real estate goes down in value? It's not common, but I did have it happen to me around 2008 we won't even talk about what happens when stocks go down in value, but when real estate values went down in 2008 it just didn't matter that my rental property's values were temporarily suppressed because my rents were higher than my expenses, I was still making income each month off the property. That's a good way to own property, if you can. I'm not motivated to sell an asset. I mean, are you motivated to sell an asset that's paying you income every month during a time when it's capital value dip, so probably not. And by the way, there is nothing new or esoteric here. You just haven't had it explained to you in this way before. This 33k from stocks and mutual funds versus 95k from real estate you haven't seen that before. This is simply buying houses with plain vanilla 30 year fixed rate loans, and it's just simply long term buy and hold. This is not flipping, as I like to say. This is not day trading. This is decade trading, as you continue along in your real estate journey, keep stacking more properties, and it's gonna go faster than you think, because you've got this power of compound leverage, and your tenant also pays you income that you can use toward buying the next property, and then as a backup, you have that trapped equity that keeps accumulating in your property. And the reason this goes faster than you think is that you can also release that equity by removing it with a completely tax free event, a cash out refinance, all while you still hold onto the asset and you. Use the untrapped equity to put down payments on more property. Now, what if you think you don't have the money to start or get as big as you want, as fast as you want? Well, I've met a lot of people that when they understand this compound leverage concept, they withdraw their 401 K funds, pay a penalty and pay the taxes, and they put those funds toward real estate. I mean, you would owe taxes on it anyway. Now that part may or may not be ready for you, but you know, once I understood this, what I did is I stopped contributing to my 401K and I instead got into compound leverage. Yeah, this is how to make America rich again. Now, what if you think you don't have 100k to invest in property like we did in our example? Well, there are perfectly good $200,000 properties at GREmarketplace.com where you could make a $40,000 down payment. But you still might be thinking, I'll just say that the real estate market is just really competitive now, and that your small down payment maybe it can't compete with a deep pockets all cash offer, because all cash buyers can close really fast, but no your small down payment can still compete with all cash offers, because Some sellers don't want a quick sale for either tax reasons or myriad lifestyle reasons that they might have, I like to say that using debt is like using fire if it's misallocated, like with 23% credit card debt, that's what the average credit card interest rate is right now, 23% well that can burn down your financial house. But if you know how to use the debt in a controlled manner, like from income property that others paid down for you, oh, that fire is contained in a stove, and that fire or fireplace will heat your home. If I could start all over again with what I know now, it would be to embrace good debt, because tenants pay down this debt for me, so use it as leverage to build a real estate empire. Think of it this way, besides the employer match, every dollar that you lock inside a 401K is $1 that you cannot use to leverage other people's money. Back when I started investing, I should not have contributed to a conventional retirement plan beyond the employer match myself. So I used leverage to pull my boat up to the dock more than three times faster and escape the day job when I was still young enough to enjoy it. And once you know the difference, why would you want to do life any other way? You might have heard that real estate has made more people wealthy than any other investment today. You've learned how now, sometimes it is hard to stop and turn off a mindset if the same thing has been believed for a long time. I think we've all experienced that. If you believe something for a long time, well then it's hard to change your mind on that, and you might even fight and defend that core belief. That could be the case here with me, denigrating the wealth building capability of compound interest. And if you're still wrestling with that yourself, a great compliment where I discuss this more in depth and in a different way, can be found on an episode that I did earlier this year that is on GRE Podcast, episode 507 episode 507 is called compound interest is weak. I'm here to talk to you about things that are really gonna move the meter in your financial life, like what I've covered with you so far, and what I'm gonna help you learn next. You know, there's just some information out there, even real estate information, it's just not that useful. Say, for example, mortgage purchase applications were down from last week, but yet they were up month over month. Well, that might matter to certain sub industries, but it doesn't move the meter in your life with how you're going to actionably build wealth. Hey, before we move on, I want to give a major shout out to this show's long time, steady, capable sound engineer, Vedran. He just hit the 10 year mark of filling that important role for us here. Yet 10 years almost since the inception of this show. He's been with us since November of 2014 so since about episode five, and he's edited every single episode since then, and he recently told me that he looks forward to the next 10. Congratulations, Vedran. Also, thanks to you, the listener, the follower. Here, we held three GRE live virtual events this year, webinars. You. You are really taking action. Back in June, we broke a record with 307 registrants for that event. And then our latest event that was held about 10 days ago saw another record broken, 528 of you registering, and I say thanks, because you make me feel good. You're showing that I'm helping make a difference in your life. And now maybe you're thinking these events or this platform, it's getting too well known, and if you show up to a future event that you might not get to ask a question, no, that's not the case. Not everyone that registers shows up for the event live, and then you can ask a lot of your own questions with a personal free coaching call as well. I'll let you listen into a coaching call later on, today's show. In fact, now I've shared with you a few times before that changes to mortgage rates don't follow changes in the federal funds rate that Jerome Powell and the FOMC said. I've also told you that mortgage rates closely track long term bond yields, but let me tell you about what all that really means, and this is going to help you understand and perhaps even predict the future direction of mortgage rates. In fact, it's unusual. You know, the largest market in the world is not the real estate market, it's not the stock market, it's the bond market. And What's unusual is here we are on episode 526, and we've really never discussed the bond market. Well, you're probably aware that a month and a half ago, the Fed dropped interest rates by a half point. Their next decision is in just three days. Now I don't think they should drop rates again, though they could. That's because since the rate cut, GDP and job growth have been strong. That's why I don't think they should do it. I mean, rates usually get cut to help a wounded economy, so why lower them now? I mean, recessions usually see rate cuts. But here's what even fewer people understand when the Fed cut rates a month and a half ago by a half point, why have mortgage rates soared since then? They were about 6.1% and then the Fed made their cut, and mortgage rates recently spiked up to 6.9% well, many still feel that the long term trend for all types of interest rates is lower. But you know for one thing, rates are really hard to predict. The Fed only controls short term rates. Long term rates, like the 30 year and 15 year mortgage are tied most closely to the yield on the 10 year treasury note, and here after I'll just call that the 10 year All right, so what is this and what controls it? Well, don't let that name intimidate you. This is get rich education. So let's break down each word yield on the 10 year treasury note. Yield just means interest rate. 10 years is the period of time that this loan is made for the duration the US Treasury issues them so they receive the loan and a note is an IOU. It was also known as a bond. That is what's held by the person or the entity that loaned the money, the person that loaned this money to the Treasury. It could be you yourself, or it could be a foreign nation. So you hold on to this note because you made the loan to the Treasury. That's the breakdown of every word of the phrase the yield on the 10 year treasury note. Okay, so to say it a different way, if you hold a 10 year treasury note, that is basically your receipt, your proof that you made a 10 year long IOU to our federal government and it is going to pay you an interest rate known as a yield. All right, that is the simplest explanation I can give. Well, a month and a half ago when Jerome Powell cut short term rates, the 10 year was 3.7% at that time, and at the beginning of last week, it was up to 4.2% that's the highest since July. And again, 30 year mortgage rates most closely track the 10 year all right, as you and I sort of hold hands through this together next, let's ask what made them rise. And you know, some think this is harder to understand than trying to understand why YouTube viewers constantly fall for ludicrous housing price crash videos. Okay, but relax. This is easy. When the economy gets hot, all these things tend to rise in value, real estate, stocks and also productivity rises. Employment rises. Is an inflation that tends to rise as well. Because a 10 year investor needs a real return above the rate of inflation, this yield must rise as well. That's it. You got it. You got it. So therefore, when a rosy jobs report comes out, the 10 year tends to go up. When a strong retail sales report comes out, the 10 year yield tends to go up or a high flying CPI is released, the 10 year tends to go up. And therefore, because it rose in the past month, investors have expectations for a strong economy and more persistent inflation. So conversely, expect both the yield on the 10 year treasury note and the 30 year mortgage rate to fall when the economic outlook gets more dim. It's important to understand that, like a lot of things in the stock market, yields on the 10 year they tend to be more of a reflection of future economic expectations than the current economy. And this should be pretty easy for you to remember, because when you think about it, that makes sense. Since you've lent out your money to the federal government for 10 years. I mean, you're really interested in what that 10 year future is going to look like. So yes, though this is somewhat less exciting than watching a motorcycle jump over the Grand Canyon now that you listen closely for the last few minutes. Congratulations. Now you know that the 10 year can tell you both what investors expect to happen in the future, and can tell you the direction of 30 year mortgage rates. And, yeah, I mean, this is just more the type of material that I wish someone had explained to me sooner, in a way, just like that. And you know, are you interested in doing things that at the end, they make you say, You know what, I just got 1% better this week. I mean, think about the kind of person you'll be if you make yourself just 1% better each week. Now you better understand how leverage beats compound interest and what makes mortgage rates move. Go out and vote tomorrow as far as next, listen into one of our GRE investment coaching calls. I'm Keith Weinhold. You're listening to get rich education. Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridgelendinggroup.com that's Ridgelendinggroup.com. your bank is getting rich off of you. The national average bank account pays less than 1% on your savings. If your money isn't making 4% you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to an 8% return with compound interest, year in and year out. Instead of earning less than 1% sitting in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And I would know, because I'm an investor too, earn 8% hundreds of others are. Text FAMILY to 66866, learn more about freedom. Family investments, liquidity fund on your journey to financial freedom through passive income. Text Family to66866. Zack Lemaster 29:08 this is rent to retirement. Zach Lemaster, listen to get rich education with Keith Weinhold, and don't quit your Daydream. Keith Weinhold 29:22 Welcome. Back to get rich Education. I'm your host. Keith Weinhold, there will only ever be one GRE podcast episode five under 26 and you're listening to it. Let's let you listen into a coaching call between GRE investment coach Naresh and GRE follower, Brenda, and then I'll be back to wrap it up at the end. Naresh Vissa 29:41 hey, Brenda, good to Good to see you after emailing back and forth. Thanks for setting up this call. Brenda 29:47 Yeah, thanks, Naresh, thanks for setting up time to talk to me. Naresh Vissa 29:49 Yeah. Well, tell me what made you schedule this call, like, Why did you hit that button saying I want to talk to the real estate investment coach? Brenda 29:59 Yeah, well, I've seen some of the newsletters that come from GRE I'm familiar with some of the podcasts, but then I had gotten into the newsletters, and then I saw that there was an option for a free consultation to talk to you. And I thought, Well, I'm not sure what this really means, or what we talk about, or how you can help me, as far as, like, the vision, or how do I set my goals? Or what is it exactly that I would do with you with GRE, like, what kind of consultation Do you provide? Naresh Vissa 30:29 Yeah, well, so that's you came to the right place. So let me tell you a little bit about GRE, a little bit about me, who we are, how we operate. So get rich. Education is an education company. As you know, you listen to the podcast, you read the newsletter. It's free. The podcast is free. The newsletter is free. You can go to our website, read our blog, go through past podcasts. You can subscribe to our YouTube channel, subscribe to our social media, Tiktok, Instagram, Facebook, X, you name it. That's all free content available for you, and this service, the real estate investment coaching, is completely free of charge. I know that sounds kind of crazy, but you'll never pay as a dime. I'm here to help you throughout and along your real estate investment journey. Think of me as a super connector, someone who can introduce you to all the right people, whether it's specific markets you want to invest in. Providers. There, wholesalers, flippers, lenders, appraisers, although your lender will take care of the appraiser part, if you need a second lender, financing, CPAs, attorneys, anything at all, just come to me and I can introduce you to the right people, or at least point you in the right direction. I'll try my best to do it 100% of the time. I don't, or I should say, I don't, have answers 100% of the time, but I do have answers most of the time, and I can forward you and refer you, point you in the right direction. So think of me as a super connector. Think of me as your silent partner in deals, because I get any equity in the deals who you don't have to pay anything to think of me as an advisor, a consultant. Again, this is a completely free service. There's you're not going to get like, a bill in the mail saying, Hey, you talked to Naresh five times, so you owe us $1,000 for that. Now, there's none of that. So the most common question I get after telling people this or, like, well, then, I mean, you can't be doing this for free. Like, why are you doing great? Like, like, yeah, what's the catch here? And they also have, I mean, I'm sure you're wondering, how do you make money? Well, if you listen to the podcast, if you go to our website, you'll see advertisements, sponsorships. We are paid marketing fees, advertising fees from partners. So you listen to the podcast, I'm sure you hear many of those commercials. We make our money on the back end, so we can keep services like this and our newsletter and our podcast free on the front note, like I said, GRE is not is an education company. We are not a broker or a wholesaler or a flipper or a builder or an agency or a realtor service or any of that a brokerage, where we're not of that, we're purely education, education based through our educational content or free educational coaching, which I offer too. So that's what you are. Got it .we work with all those other companies. So we can refer you to all those other types of companies that can help you on your real estate investment journey. But we are not any of those. Now me, personally, I am an investor myself. I own eight properties in southeastern United States. I got started in 2017 I bought my first property in a single family home. That was rehab. Back then, rehabs are very hot. That was what you should get in, that what made sense to get into. And I scaled pretty quickly. I went from one to eight in a matter of it's been seven years since I bought that first property, but I actually went from one to eight in a matter of more, like two and a half years, I just kind of went so I bought, like I said, southeastern United States, bought my last property in 2020 I'm saving up for my next property because I personally now only, like new construction, I rehabs have their place, certainly For certain investors. And at the time, I got six rehabs, rehab properties from 2017 to 2019 so I personally, though, am now saving up because new construction is more expensive than than rehab. So I'm saving up for my next real estate property, which is most likely going to be a new construction. So that's a little bit about my investing background. I've been a real estate coach Since 2019 came in 2021 to GRE and have run the coaching side ever since. So that's a little bit about me on the real estate side, on the coaching side. Now, my background is not in real. Real Estate. I like, I said, I got in 2017 before that, and I still do work in tech. So I worked in tech from 2000 really, from 2005 and still do work in tech. So it was through my tech work that I got involved in real estate, because I would do back end tech work for real estate companies. And doing that work, I was like, Oh, I started learning about real estate, and then I said, huh, if this doesn't seem hard or difficult. And I also got an investment coach who helped me, like I said, with that competitor, they also had investment coaches or investment counselors. So I had a coach who helped me a little bit, but that's what the coaches are for there to help investors like me, especially newbie investors, or even veteran investors. They're there to help investors with the networking part, with the who are offering the best deals, special deals, special interest rates, who's honest, who's dishonest? That's what I'm here to do. So that's a little bit about GRE About me, about my background, how our coaching program works. So now, Brenda, it's all about you. I want to hear I'm sure you have tons of questions based on what I just said, but before you ask those questions, I'm just going to start out with, how much cash do you have ready to invest? Because really, I could be of most service if you're looking to invest, otherwise, I can't really be of much service. So how much cash do you have ready to go to invest? And then I'll answer, I'll say something about that, and then I'll let you ask whatever questions you want. Brenda 36:35 Sounds good. Just a cash ready for deployment is 100,000 but I'm assuming that doesn't all have to go to one property, right? Or depending on the property? Naresh Vissa 36:46 Yeah, so, so is that lick? So what I should have clarified my question as how much liquid cash do you have on not like a 401, K, or properties that you have to cash out refinance, or it's just if you today, if you were to take a property and and you had cash ready to do so be $100,000 Yeah, correct. Okay, so, so a few things that's very good, because with 100,000 that gives you optionality. You can either go for a rehab property, and we have rehab property right now. Our hottest provider is in Memphis, Tennessee, and you can get a rehab property. Worst case scenario, let's just say the property, the average property, is about $100,000 and so you just put down a 25% down payment. So let's just give or take, let's say $30,000 I tell our investors. I say, Look, if you want to buy your first property, or Yeah, your first rehab property, you need at least $50,000 cash, liquid in the bank, ready to go. That's just because you want that cushion. You don't want to put all your eggs in one basket. So I say, if you want a rehab property, you need 50,000 if you want a new construction, single family 100,000 because the new constructions are going to cost you at least $240,000 at least. So if you take 25% of that, plus closing costs and cushion and everything, just if you want to be a good investor, you have to be disciplined. And you have to be disciplined enough to be able to save the 50,000 or the $100,000 if you want to make it as a real estate investor. So 50,000 for a rehab property, 100,000 for a new construction. If you want a duplex, you need, I say, a new construction duplex, which is probably our hottest new construction asset class right now in Florida, 150,000 for a new construction. Down payment or not. Down Payment task, ready to go for a new construction duplex, because those are selling for about 490,000 give or pay. So it's 50,000 for rehab that you should have in the bank. 100,001 in the bank for a new construction, single family. 150,000 for a duplex. Anything beyond that, then we can talk. You know, later you wanted a squad or something else, but that's generally what I say. And I tell, I tell investors. I say, Look, if you only have $30,000 in the thing, let's connect after you get up, because I don't want you putting all that 30,000 into a rehabbed property, whereas, who knows, maybe the economy might go into a recession and it stays vacant for six months. I don't want you to have to go through that. So let's stick to those numbers. So you said you have 100,000 so you have options. You can you can get either a rehab property or you can get a new construction. So it's completely up to you. It's about your new construction. Single family, it's completely up to you. I personally, I, like I said, I started out with the rehabs, and then I've kind of graduated up to new construction. God, they the lowest risk you can take with 100,000 is by starting with a. Be just a low price rehab where you put in $30,000 and full, you know, down payment burden, costs, everything else you put that, you know, 30 grand, if it first property, you put that 25 to 30 grand in, and you treat that as a learning experience. And you go through the experience, and if everything goes smoothly, then you can buy the second property, and you can decide whether, hey, do I want to continue with this rehab, or I'd still have enough capital for the new construction single payer. But I would start small. If you're new, if you're an advanced veteran investor who has six figure, well into the six figures in the bank, ready to go. I tell those people. I say, hey, let's just go for new construction. Let's go for the new construction. Single family. Let's go for the duplexes. Some of them have 700 $800,000 in some cases, a million dollars plus. I say, hey, let's let's just go for the quad to the construction four Plex. The incentives are great, etc, etc. So in your case, 100,000 you certainly have choices. And what I'll do after this call is, well, first I want to hear, based on what I said, What are your thoughts on anything, whether it's renew, construction versus rehab, and then what I brought up earlier about coaching? Brenda 41:12 Yeah, I actually thank you, Naresh, I really like what you said about starting small. I have purchased two single family homes in the past, their rentals, but I never went through a coach. I just kind of did it on my own, and luckily, things worked out. But certainly having a coach and starting out small, just to kind of go through the process, it's really helpful. Here's the situation that I think is just a little bit different, and I know that this would probably be something that I talked to like a lender about. But in your experience, I actually just came from an 18 year career. Actually, I was in tech myself, but I'm now transitioned from a corporate w2 into more, but 1099, what's classified as like a independent company, you know, type of income, what has been your experience with other clients that transitioned from that type? Is it easier? Is it harder to obtain loans? Is there going to be different requirements? 25% does that still stand? Naresh Vissa 42:13 Yeah. So I could give you a full, you know, lecture on this, or something called the housing expense ratio and something called the total obligation ratio. I'm not going to get into those details, because the lenders, I can refer you to lenders, and they can explain all that, and those ratios mean a lot to getting you pre qualified. But what I will say is, unfortunately, if you are 1099, you are at a disadvantage, because it's not steady, consistent income, unless you can show two years of steady, consistent income. I mean, really is the last for your last two years of tax return. So if it's a new 1099, gig, yep, you're gonna have to wait until you have two years of consistent high income. If you've been doing it for a while, then send your last two years. And if it's, you know, if it's looking good, then, then you'll get approved. The other option, and this is, this is not a personal question or anything, but it married couples can go together on one loan. So if this actually helped me out a lot, because my wife is a high income earner, and I have my own business, and my business does pretty well, but if you're 1099 as as you know, there are all sorts of things you can do with your tax return that are completely legal and to where you pay yourself as little as possible, so that you can cut your income tax. So in any case, that's like 1099 workers are a disadvantage for mortgage because all they care about is your pay stub, your you know, how much income did you have? So there were times when I put my wife on the mortgage and she's got a high income, and so you can put a spouse on there, and you can both do it together. Now you're allowed 10 loans per person, so if you want a spouse go on a mortgage that counts, even if it's for one mortgage, one property, that counts as one for each of you. So for two working husband and wife. For a couple where both spouses are working with good income, I say look, you'll want one spouse to do 10 properties and another spouse to do a completely different 10 mortgages. That way you can do 20 combined. Now, if you do it together, then you'll only be able to buy 10 combined because you're older than so 1099, workers. We get that question a lot, and it actually it is a problem, because the standards changed after 2008 so either wait the two years and have your consistent records to show high income, or if you already have it right now, then you can get approved. Brenda 44:54 Got it. Got it. This would be for just conventional loans. What about other loan products? Like, I think I've heard of the DSCR loan where maybe just the rental property would cover, you know, part of the I'm not sure, like, I guess you're guaranteeing that the property will make enough money to cover the payment of the loan. Naresh Vissa 45:12 Yeah, DSCR and loans are hard to get approved. Really, what I should do is introduce you to some of our lending partners. If you're interested. DSCR is meant more so for people who have utilized you want to use those 10 loans first, so because if you go you're going to have a higher interest rate if you go with the deal. So those DSCR loans, or Portfolio loans, are meant for people who have used their 10. Their spouse has used their 10. They've got capital low rolling in their ultra high net worth. So they're fine, okay, just get me another loan. I need the tax benefit. I need the tax break. I'm fine paying a 10% interest. So they'll go for a portfolio loan or a vsdr loan. In your case, first property, your first investment property, first turnkey we want to go for a loan. Brenda 45:58 Got it makes sense. And then another question, so this was about the financing. But another question that I meant to ask earlier is, I know you mentioned, like, you know, I am not like a realtor or anything like that, but how does it work? Like, I'm think about when I'm purchasing a home, personally, I kind of say, hey, I want to three bedrooms, four bedrooms, this many baths. Like, how does that work with you? Like, do I give you criteria of what I'm looking for, or, you know, based on my goals? Do you kind of craft a plan? How does that work? Naresh Vissa 46:29 Yeah, so I actually sent you an email just right before this call it. I think you got the email, and it includes a link to about 20% of our inventory. It's not all of our inventory. That inventory is just there. To get you started to see the types of properties that we have available. We have some constructions and the markets that we cover, again, it's only about 20% of the inventory. If you go to our GRE marketplace, you can see all of the markets that we cover. Your biggest source will be, I send out emails. So your biggest source will be, if I email you, I'll email you like a property. It'll be, Hey, I just came across this deal. It's like, it's my VIP email list. So you'll get my, you know, VIP emails, and that's going to be your, your best source. You also get Keith white holds newsletter, which promotes properties from time to time and and we only promote the best. We there are hundreds of properties we can promote. We only distill it down to the best of the best. So don't think, oh, like, there might be another property that narration knows about. Now we promote through our social media, through my email list, through Keith's newsletter, through the podcast, through the webinars, the best of the best. So that's the best way to to find out, Brenda 47:49 got it your inventory or what you currently right, Naresh Vissa 47:52 and with your permission, I can add you to my VIP email list. If it's okay, yeah, that would be cool. I'll go ahead and add you, and you'll start getting those emails in real time. I only send out an email maybe once every three weeks, so I really only want to send the best of the best. I want to waste people's time. Brenda 48:07 Great. So what if you do send me an email and I'm like, Yeah, I love it. I think this is fits exactly what I'm looking for. Do I email you back? Do I contact you? Like, how do we stay in contact? Naresh Vissa 48:18 So email is the best form of communication, because in real estate and business in general, we want documentation of everything. We don't want any miscommunications. So if you see something you like, email me. I'm available. You have my phone number. You can text me, you can call me, you can email me. I'm very accessible, but email is preferred, because that way it's in writing, and I'll know exactly what you want, the address, everything. So let's say you see a property that you like from an email that you get from Keith or from me, and you email me to say, hey, I'm interested. What are next steps? I will get you in touch with the actual like I said, we're just an education company. I'll get you in touch with the actual builder or the broker or the agent on the property, and they'll be able to answer way more questions than I can answer way more and that that's for anything. If your question is about financing, I can get you in touch with several good, low rate lenders, and they can answer all your questions about financing. Your question is CPA Tax stuff. I can get we have, uh, several good contacts who can help you out there as well. Brenda 49:20 Got it, got it. So then what, what does our communication look like from there? Like, do if I say yes, I want it, then you get me in contact with them, and then I kind of work with whoever it is that has this property. And then hopefully we just close on the property. And that's it, right? Am I understanding that correctly? Naresh Vissa 49:40 Sure? So, so all correctly? Yeah, I'll refer you over to them, and they will, they will take care of you. Should copy me on all emails that way. Okay, what's going on? Copy, you remember, I'm your coach. I'm here to help you, like it's free, so copy to an email so I know what's going on. If there's a problem, I can jump in. In many cases, I hold a leverage over a lot of these. People, if a problem happens, I can step in and say, Hey, treat her better. Or, you know, you should waive this cost, or whatnot. So copy, because the people who get into trouble are the people who didn't copy me on the emails. And many, many time, time just goes by, and then they come with their problem as they Hey, if you came to me a year ago, I could have actually helped you with this. Now, the statutes expired, and it's, it's a complete mess. So always, even after you're done posing on the property and you have a tenant in there and just copy me on me. Brenda 50:30 Got it. Okay, So kind of bring you along the journey. Okay, so let's say I'm at the end, like, do these providers help me? I'm assuming in some of these cases, you've mentioned places that are far from where I live. So do they help provide additional resources, like, who's going to manage my property, or who's going to find me a tenant? Like, could they help me with that? Naresh Vissa 50:51 Absolutely. So the entire point of GRE of this investment coaching program, the entire point is so that you can become what's called a laptop landlord. You can literally live free and have just take a step back and have your properties run on their own. So the idea is not for you to invest down the street and become a property manager and a landlord down the street. It's you can be anywhere in the world. Buy properties anywhere. Like I said, I live in Florida, but by Prop, I've never visited any of my properties. I've never met a tenant. So that's what you want to do, and that's what we help people do. If you want to buy a property across the street and become you can do that yourself. Go through all the loops yourself. We are here to help you invest in Ohio, in Tennessee, in Florida and Texas and all these places that you may not have even visited every other life, but you can still have a very fruitful investment journey. So we set all that up for you, the property management, every all that it's going to be taken care of, so that your hands off. That's why it's called turnkey real estateReal real estate investing. Brenda 51:56 Got it. Okay, sounds good. And typically, how long does this process take? I mean, I'm sure it's different for everybody, but what can I expect, like from beginning, from when I talk to you, to when hopefully I have a property that I'm signing off on? Naresh Vissa 52:12 In some cases, it's literally taken two days. In other cases, it's taken there's not even an answer, because people did end up buying Okay, yeah, so, so, yeah, in in the case of, like, our Memphis burr properties, which are rehab properties in Memphis, I recommend that you watch our burr webinar. I can send that to you after this call, if you'd like. But I had people who watched the webinar talk to me. I introduced them that same day to the provider in Memphis. They talk to their provider in Memphis, and then the next day, they pick the property, and the day after that, they sign a contract. Oh, okay, so it's all about the investor. If you're a serious investor, it can be very quick, like me, I was very serious. That's why I scaled. I bought eight and two and a half years, eight properties in two and a half years. Other people, if you want to take your time, it could, you could literally take your time and never buy any and a lot of people are doing that, because in 2019 they said, Oh, you know what, I'm gonna wait. There's gonna be a crash and this and that. And so they waited, they waited, and prices skyrocketed, and now they said, You know what, I'm I'm priced out of the market, so I'm just not gonna invest in real estate anymore. Brenda 53:16 Yeah, it's that analysis paralysis. I've experienced that. Yeah, yeah, got it. Okay, cool. Naresh Vissa 53:23 All right. So any other questions? Brenda 53:25 No, this is really helpful. It's kind of good to know, like, kind of where you step in and kind of where you hand off, and again, the timeline is different for everybody, but it's kind of good to know that I could literally be standing here two days later and have a property if I want. So good. Naresh Vissa 53:42 Yeah. So as we end this call, next step, so I told you about new construction versus rehab. Are you? Are you interested in both, or leaning towards one or the other? Right now? Just Brenda 53:54 probably the rehabs, because I think, like what you said, I like the idea of the E step into like, let me see how this process goes first before kind of committing a bigger chunk of capital to something larger. Yeah, I agree. Naresh Vissa 54:06 Okay, so here's what I'm going to do as next steps. I'm going to send you a link to the webinar we did for our hottest rehab asset class right now, hottest rehab provider out of Memphis. It's the Memphis Burkey webinar. I went ahead and just emailed that to you. So watch that webinar. It will answer like every question imaginable regarding the provider, how they do their process, the properties, everything. So watch that webinar and then shoot me an email after you're done with the webinar on what you're thinking just you can watch webinar today and you want to shoot me an email right after, just let me know what you're thinking, and we can go from there. I think that's would be the next step. Just watch that webinar, and then we'll, we'll reconnect. Brenda 54:54 Sounds good? Okay, I like that. Naresh Vissa 54:57 Okay, very good. Well, I sent that link to you, and. And that's about it. If you have no more questions like I said, you can add my phone number to your phone book and feel free to reach out whatever you want. Brenda 55:07 will do. Thank you so much. Naresh Vissa 55:09 All right, thank you. It was great. Keith Weinhold 55:11 Yeah, I hope that you found that helpful in making America rich again. Namely, you. Of course, no two coaching calls are the same. Some GRE followers will perhaps have more questions than Brenda did. There. We are here to learn your situation. We know the mistakes you've got to avoid, and we can connect you with the best income property for you across the nation. We really filter it down to the best of the best, and besides being a truly free coaching call, we don't try to upsell you to a paid course or anything like that, because we don't even have any product to sell really. So even if you wanted to buy something from GRE, I don't know if you could, maybe unless you buy a GRE logo t shirt from our website or something like that. So keep all of your funds for the property down payment. As far as now, you can book a coaching call at GREmarketplace.com and select the free investment coaching area. Until next week, I'm your host. Keith Weinhold, don't quit your Daydream. Speaker 3 56:21 Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively, Keith Weinhold 56:41 The preceding program was brought to you by your home for wealth, building, get rich, education.com
Helfried Carl im Gespräch mit Vedran Džihić ANKOMMEN Sind wir bald da?Vom Flüchtling zum anerkannten Wissenschaftler: Vedran Džihić ist angekommen. Doch was braucht es, um den Neubeginn zu schaffen? Wann fühlen wir uns einer Gesellschaft wirklich zugehörig? Jänner 1993, Traiskirchen bei Wien: Hier kommt Vedran Džihić auf seiner Flucht vor dem Bosnienkrieg an. In Österreich fühlt er sich sicher, erlebt aber auch Gleichgültigkeit und Benachteiligung. Parallel zu seinem bemerkenswerten Bildungsaufstieg machen sich in Europa Populismus und Nationalismus breit. Geflüchtete und Migrant:innen werden immer mehr zur Gefahr stilisiert. Eindringlich beschreibt Vedran Džihić sein persönliches Ankommen und warnt vor der grassierenden Politik der Angst und Ausgrenzung. Wie geht unsere Gesellschaft mit „Anderen“ um? Was ist nötig, damit sich alle zuhause fühlen? Verdran Džihić wurde 1976 in Prijedor, Bosnien und Herzegowina, geboren. 2009 schloss er sein Doktorat in Politikwissenschaften an der Universität Wien ab. Heute ist er Senior Researcher am Österreichischen Institut für Internationale Politik (oiip) und unterrichtet an der Universität Wien. Džihić ist Initiator zahlreicher politischer und zivilgesellschaftlicher Initiativen in Österreich und Südosteuropa. Er gehört zu den gefragtesten Balkan Experten im deutschsprachigen Raum, kommentiert dazu in internationalen und nationalen Medien und veröffentlicht regelmäßig Essays. Helfried Carl, Diplomat, seit 2019 Partner des von ihm mitbegründeten Innovation in Politics Institute in Wien und Gründer der Initiative European Capital of Democracy. Von 2014-2019 war er Botschafter Österreichs in der Slowakischen Republik, davor, von 2008-2014, Büroleiter und außenpolitischer Berater von Nationalratspräsidentin Barbara Prammer.
Una de las características de su obra es la incorporación de sonoridades no codificadas de la voz, como risas, susurros o carraspeos. He aquí su tema: la voz, su naturaleza orgánica, traspuesta y abierta a la sensibilidad de la escucha a través de los incipientes procedimientos electrónicos._____Has escuchadoCorale (1981). Maryvonne Le Dizès, viola; Ensemble InterContemporain; Pierre Boulez, director. Sony Classical (1990)Folk Songs. Black Is the Color (1964). Cathy Berberian, mezzosoprano; Julliard Ensemble; Luciano Berio, director. BMG Classics (1973)Laborintus 2. Première partie (1965) / textos de Edoardo Sanguineti. Ensemble Musique Vivante; Chorale Expérimentale; Luciano Berio, director. Harmonia Mundi (1987)Sinfonia. O King (1968). Göteborg Konserthus; Peter Eötvös, director. Deutsche Grammophon (2005)_____Selección bibliográficaBERIO, Luciano, Un recuerdo al futuro. Acantilado, 2019*BOULEZ, Pierre y Enzo Restagno, Sequenze per Luciano Berio. Ricordi, 2000COHEN-LEVINAS, Danielle (ed.), Omaggio a Luciano Berio. L'Harmattan, 2006*DALMONTE, Rossana y Bálint András Varga (eds.), Luciano Berio: Two Interviews. Marion Boyars, 1985ECO, Umberto, “Eco in ascolto: entrevista de Umberto Eco con Luciano Berio”. Revista de Occidente, n.º 114 (1990), pp. 123-136*FERRARI, Giordano, “El teatro musical como crítica de la sociedad: Passagio de Luciano Berio y Edoardo Sanguineti”. Doce Notas Preliminares, n.º 14 (2004-2005), pp. 120-138FERRARI, Giordano (ed.), Le théâtre musical de Luciano Berio: actes des six journées d'études qui ont eu lieu à Paris et à Venise entre 2010 et 2013. L'Harmattan, 2016FLYNN, George W., “Listening to Berio's Music”. The Musical Quarterly, vol. 61, n.º 3 (1975), pp. 388-421*HALFYARD, Janet K., Berio's Sequenzas: Essays on Performance Composition and Analysis. Ashgate, 2007*HICKS, Michael, “Text, Music, and Meaning in the Third Movement of Luciano Berio's Sinfonia”. Perspectives of New Music, vol. 20, n.º 1-2 (1981), pp. 199-224*JOOS, Maxime, “Luciano Berio: Dramaturgie et Œuvre Ouverte”. Musurgia, vol. 10, n.º 2 (2003), pp. 7-27*MEHINOVIC, Vedran, “Two Late Orchestral Works of Luciano Berio”. Tempo, vol. 69, n.º 273 (2015), pp. 20-29*MULLER, Theo y Luciano Berio, “‘Music Is Not a Solitary Act': Conversation with Luciano Berio”. Tempo, n.º 199 (1997), pp. 16-20*NEIDHÖFER, Christoph, “Inside Luciano Berio's Serialism”. Music Analysis, vol. 28, n.º 2-3 (2009), pp. 301-348*OSMOND-SMITH, David, “Berio and the Art of Commentary”. The Musical Times, vol. 116, n.º 1592 (1975), pp. 871-872*—, Berio. Oxford University Press, 1991SZENDY, Peter, “Un roi à l'écoute”. En: L'Opéra éclaté: la dramaturgie musicale entre 1969 et 1984. Editado por Giordano Ferrari. L'Harmattan, 2005 *Documento disponible para su consulta en la Sala de Nuevas Músicas de la Biblioteca y Centro de Apoyo a la Investigación de la Fundación Juan March
Roman se događa u samo jednoj noći, dok glavni junak sjedi u automobilu na trajektnom pristaništu, čekajući da padne bura koja je otok izolirala od kopna. Naslovni junak Albert ima 37 godina, nedavno je proživio tešku prometnu nesreću u kojoj je zamalo izgubio glavu i od koje se dugo oporavljao. Nema egzistencijalnih briga jer su mu starije sestre (koje žive u inozemstvu) relativno imućne. Obrazovan je, samac, ali nije nesretan. Nakon tragičnog događaja u kojem je skoro izgubio život, bolnog i dugog oporavka, on preslaguje odnose s ljudima iz svoje blizine, stječe nove, i kao u zaleđenom kadru napušta stare. I naravno, cijelo to vrijeme sanja bolji, pravedniji i jasniji svijet. Redatelj: Goran Ribarić Dramatizacija: Ivana Gudelj Glumili su: Vedran Živolić, Jelena Miholjević, Dubravka Ostojić, Vini Jurčić, Tena Jeić Gajski, Sreten Mokorović, Lorenzo Raušević, Domagoj Janković, Dora Polić Vitez i Višnja Babić. tr. 28:56
What Would It Take to Recreate Bell Labs?, Human Scale Software vs Open Source, How to run Visual Studio (VS) Code Remote over SSH on FreeBSD 13 and 14, Why are some emails from Charlie Root and others are from root?, Backward compatibility has real costs even for settings, Kyua graduates, and more NOTES This episode of BSDNow is brought to you by Tarsnap (https://www.tarsnap.com/bsdnow) and the BSDNow Patreon (https://www.patreon.com/bsdnow) Headlines What Would It Take to Recreate Bell Labs? (https://www.construction-physics.com/p/what-would-it-take-to-recreate-bell) Human Scale Software vs Open Source (https://posixcafe.org/blogs/2024/07/31/0/) News Roundup How to run Visual Studio (VS) Code Remote over SSH on FreeBSD 13 and 14 (https://group.miletic.net/en/blog/2024-06-14-how-to-run-visual-studio-vs-code-remote-over-ssh-on-freebsd-13-and-14) Why are some emails from Charlie Root and others are from root? (https://dan.langille.org/2024/07/27/why-are-some-emails-from-charlie-root-and-others-are-from-root/) Backward compatibility, even for settings, has real costs (https://utcc.utoronto.ca/~cks/space/blog/programming/BackwardCompatibilityHasCosts) Kyua graduates (https://jmmv.dev/2024/08/kyua-graduates.html) Tarsnap This weeks episode of BSDNow was sponsored by our friends at Tarsnap, the only secure online backup you can trust your data to. Even paranoids need backups. Feedback/Questions 573 - Vedran - linuxulator (https://github.com/BSDNow/bsdnow.tv/blob/master/episodes/573/feedback/Vedran%20-%20linuxulator) Send questions, comments, show ideas/topics, or stories you want mentioned on the show to feedback@bsdnow.tv (mailto:feedback@bsdnow.tv) Join us and other BSD Fans in our BSD Now Telegram channel (https://t.me/bsdnow)
Zkušený novinář Vedran Kovačević vede od září roku 2023 web nova.cz. Na Novu se vrátil po téměř deseti letech, v letech 2012 až 2014 byl dramaturgem pořadu Volejte Novu. Redakce webu nova.cz má exkluzivní přístup na natáčení původních formátů celé Skupiny Nova, a tak divákům nabízí unikátní pohled do zákulisí. Co všechno se do budoucna na web chystá? Poslechněte si rozhovor.
Vedran Bajer je country manager Microsofta Hrvatska, no njegova karijera uključuje više voditeljskih pozicija u MojPosao i VIDI, te vođenje više business development odjela u Googleu. Posao ga je vodio diljem svijeta, a dovoljno je dugo vremena proveo u Singapuru i Švicarskoj da se tamo osjeća kao doma. Osoba je vrlo širokih interesa, kao najveće kvalitete ističe radoznalost, spremnost na učenje, čitanje knjiga, te sportu. S Vedranom smo pričali o dojmovima koje je skupio o svijetu i karijeri, razlikama Singapura i Hrvatske, te kakva nam budućnost predstoji s AI alatima, osobito Microsoftovom Copilotu. Pričali smo i o možda najvažnijoj temi - tko sve može imati koristi od Copilota i integracijama AI-a u svakodnevno poslovanje, te što je sve trenutno moguće. Vedran preporučuje knjige: Material World: A Substantial Story of Our Past and Future, Ed Conway (pijesak, sol, bakar, željezo, nafta, litij) The Perfect Weapon: War, Sabotage, and Fear in the Cyber Age, David Sanger (cyber) This Is How They Tell Me The World Ends, Nicole Perlorth (cyber) The Coming Wave: Technology, Power, and the Twenty-First Century's Greatest Dilemma, Mustafa Suleyman (o revoluciji u kojoj smo sada) Off Menu: The Secret Science of Food and Dining, Nell McShane Wulfhart (samo Audible, jako zanimljivo za ekipu koja voli klopati) Dosta Adam Granta - Originals, Think Again (broadly, leadership) How the World Really Works: How Science Can Set Us Straight on Our Past, Present and Future, Vaclav Smil (facts, facts, facts :)) Chip War: The Quest to Dominate the World's Most Critical Technology, Chris Miller (a must za svakoga u tehnologiji) Never Finished: Unshackle Your Mind and Win the War Within, David Goggins (možda malo granična, ali jako dobra priča o pomicanju ljudskih granica, iako David Goggins ima jaaaaako puno problema kao osoba) Flying Blind: The 737 MAX Tragedy and the Fall of Boeing, Peter Robison (za napraviti Boeing 737 treba manje od 9 dana, a random fact, izvrsna knjiga o promjeni kulture i utjecaju toga; imam puno tih povezanih s avijacijom, tehnologijom etc, ali ova je nekako poslovno zanimljiva također) Outlive: The Science and Art of Longevity, Peter Attia MD, Bill Gifford (najdraža mi knjiga 2023.) The Culture Map, Erin Meyer (za increasingly global way of working, the business book koju mislim da svatko treba imati, poklonio sam ih barem 30 ljudima) A General Theory of Love, Thomas Lewis, Fari Amini (divna, jedina ovdje koja ima veze sa neuroznanoscu, da ne gnjavim previse) Podcasti: Another Podcast, Ben Evans (geek, ultra mega pametan) Prof G pod, Scott Galloway (tu i tamo, uglavnom jer pratim tržista kapitala) Acquired (duboke, duboke price o raznim biznisima, fascinantno - epizode o npr. Nvidia, Nike, Microsoft) Huberman Lab (sve su top) Epizodu je sponzorirao Microsoft Hrvatska. Citat dana: Freedom means the opportunity to be what we never thought we would be.Daniel J. Boorstin Tri načina kako slušati podcast Kako slušati podcast u autu koji nema Mp3 player Top lista najslušanijih epizoda
Welchen Spielraum haben alternative Künstler:innen in der heutigen digitalen Musikindustrie? Mit solchen und weiteren Fragen werden sich verschiedene Freie Radios aus Europa in Ihrem Musikmagazin beschäftigen. ## IndieRE #105 by Radio Student, Zagreb Enainšestdeseta oddaja iz nove serije IndieRE 2.0. V seriji IndieRE v produkciji in mednarodni izmenjavi radijske vsebine sodelujemo ljubljanski Radio Študent, hrvaški Radio Student, francoska mreža Radio Campus, Radio Corax iz Halleja v Nemčiji, EMA-RTV iz Španije, irski Near FM, madžarski Civil Rádió in avstrijski Radio Helsinki. The 105th edition of the IndieRE broadcast brings you a new set of Croatian alternative scene artists from all over the country! First, we will hear an atmospheric post-metal band from Čakovec called Emphasis and two singles from their latest album Lazaret. In the following minutes we'll be moving to the East, more precisely, to Slavonski Brod from where Vedran Živković talked to us about his band Nemeček and their new album Prokletije II which represents a unique mixture of traditional instruments and psychedelic noise rock. You will also hear few newly released singles by post-rock band Žen and brand-new ensemble of experienced jazz musicians called Peso Neto. The show will be closed with a special excerpt from live performance in Radio Student's show Iskopčani Petak (Unplugged Friday) in which we hosted Tena Rak known as ŠećeЯ who performed some of her original tunes accompanied by female choir that got together led by the inspiration of celebrating the Women's Day. Enjoy all the music and save these wonderful Croatian artists for later exploring! 1. Emphasis – The Gray Man [7:40] (Geenger Records, 2023) 2. Emphasis – Sunset Morning [10:14] (Geenger Records, 2023) 3. Nemeček – Kuvet [5:22] (Lack of Records, 2024) 4. Nemeček – Os Svijeta [3:59] (Lack of Records, 2024) 5. Nemeček – Mirila [5:35] (Lack of Records, 2024) 6. Peso Neto – Thieves [5:09] (Menart, 2023) 7. Žen – Nedamise [3:50] (Moonlee Records, 2024) * Produced by Radio Student, Zagreb, Croatia. * Prepared, announced and mixed by Franka Štrkalj, Ivan Poschko and Ivan Vlašić. * Design by Jure Anžiček. # IndieRE - Independent Radio Exchange Was macht die lokale Musikszene Sevillas aus? Vor welchen besonderen Herausforderungen stehen Nachwuchskünstler:innen in Budapest angesichts der dortigen politischen Situation? Welche Verbindungen und Gemeinsamkeiten lassen sich zwischen der Independent Musikkultur in Graz, Halle und Dublin finden und was unterscheidet sie? Welchen Spielraum haben alternative Künstler:innen in der heutigen digitalen Musikindustrie? Mit solchen und weiteren Fragen werden sich Radio Študent aus Ljubljana, das Netzwerk verschiedener französischer Uniradios namens Radio Campus, Radio CORAX aus Halle (Saale), EMA-RTV aus Sevilla, Radio Helsinki aus Graz, Near FM aus Dublin, Radio Student aus Zagreb und Civil Radio aus Budapest beschäftigen. Gemeinsam arbeiten sie dafür im Rahmen des EU-Projekts "Independent Radio Exchange" für die nächsten zwei Jahre zusammen. * https://indiere.eu/
Dubrovčanin Vedran Perojević je u Sydneyu nedavno obilježio godišnjicu postojanja svog St. Blaise restorana. Dijete Grada, Porporele i Peskarije, Perojević se prije desetak godina otisnuo u Kinu gdje je uspješno vodio restoran s primjesom mediteranske kuhinje. Što ga je dovelo u Australiju, koje gastronomsko iskustvo nudi svojim gostima te koja mu je vizija budućnosti, poslušajte u razgovoru.
INDEPENDENT RADIO EXCHANGE - IndieRE by Radio Student in Zagreb, Croatia The 105th edition of the IndieRe Broadcast brings you a new set of Croatian alternative scene artists from all over the country! First, we will hear an atmospheric post-metal band from Čakovec called Emphasis and two singles from their latest album Lazaret. In the following minutes we'll be moving to the east, more precisely, to Slavonski Brod from where Vedran Živković talked to us about his band Nemeček and their new album Prokletije II which represent a unique mixture of traditional instruments and psychedelic noise rock. You will also hear few newly released singles by post-rock band Žen and brand-new ensemble of experienced jazz musicians called Peso Neto. The show will be closed with a special excerpt from live performance in Radio Student's show Iskopčani Petak (Unplugged Friday) in which we hosted Tena Rak known as ŠećeЯ who performed some of her original tunes accompanied by female choir that got together led by the inspiration of celebrating the Women's Day. Enjoy all the music and save these wonderful Croatian artists for later exploring! FEATURED ARTISTS Emphasis https://emphasiscakovec.bandcamp.com/album/lazaret https://www.youtube.com/playlist?list=OLAK5uy_mZJrVMUIDU3k1bRfl4aI5UuzS9YXvvugc https://www.facebook.com/emphasiscro https://www.instagram.com/emphasistheband/ Nemeček https://nemecek44.bandcamp.com/album/prokletije-ii https://www.youtube.com/channel/UCplUBlcQEgVrJSyYbNHlg7Q https://www.facebook.com/Nemecek4 https://www.instagram.com/nemecek_band/ Peso Neto https://www.youtube.com/watch?v=jORgR7iP2dI https://www.instagram.com/peso_n3to/ Žen https://xzen.bandcamp.com/track/nedamise https://www.youtube.com/watch?v=uQo3utdqs84 https://www.facebook.com/xzenxzen https://www.instagram.com/xzenxzen/ ŠećeЯ https://shaicher.bandcamp.com/ https://www.youtube.com/watch?v=WkDpX08o9Ec https://www.facebook.com/shaicher.hr https://www.instagram.com/secer.shaicher_music/ Iskopčani petak https://www.mixcloud.com/RadioStudent/playlists/iskop%C4%8Dani-petak/ https://www.facebook.com/iskopcanipetak Produced by Radio Student, Zagreb, Croatia, 2024. Franka Štrkalj, Ivan Poschko & Ivan Vlašić ------------------------------------------------------ INDEPENDENT RADIO EXCHANGE - INDIERE IndieRE is a project co-funded by the Creative Europe programme of the European Union www.indiere.eu ------------------------------------------------------ RADIO CAMPUS FRANCE Radio Campus France est le réseau des radios associatives, libres, étudiantes et locales fédérant 30 radios partout en France. NOUS SUIVRE | FOLLOW US www.radiocampus.fr Insta @radio_campus TW @radiocampus FB @radiocampus NOUS ÉCOUTER | LISTEN Site, webradios et podcasts www.radiocampus.fr
In der heutigen Folge habe ich Vedran Zolota, den Inhaber von Salestastic zu Gast im Interview. Wir sprechen über die Eigenschaften eines Spitzenverkäufers, über Kommunikation und Rhetorik im Verkauf und konkrete Tips für angehende Verkäufer. SHOWNOTES: Hier findest du mehr noch mehr wertvollen Content von mir: Jetzt gratis Kennenlerngespräch buchen Schlagfertig in 3 Schritten (E-Book für 0€) Michaels Website Michaels Instagram-Profil Email-Kontakt Und hier die Links zum Content von Vedran: Vedrans Website als Speaker und Coach Salestastic-Website Vedrans Instagram-Profil
Links zu Vedran Zolota: Instagram: https://www.instagram.com/salestastic/ Website: https://sales-tastic.at In der heutigen Folge habe ich den Trainer Nr.1, Unternehmer, GenZ-Experte und Keynote Speaker Vedran Zolota zu Gast. Diese Punkte kannst du aus der heutigen Folge mitnehmen: Wie Unternehmen die GenZ begeistern und für sich gewinnen können Wie die GenZ tickt und was sie brauchen um erfolgreich zu sein Warum Unternehmer umdenken müssen beim Recruiting der GenZ Was die drei häufigsten Punkte sind, warum Unternehmen einen Fachkräftemangel haben und wie man diesen lösen kann. Willst du Frédéric live erleben? Hier findest du alle Infos: https://maevo.ch/events/ Wenn du mit mir mal persönlich und live sprechen willst, dann buche dir hier einen Termin für deine kostenlose Verhandlungsstrategie: Wenn auch du erfolgreich verhandeln willst: https://calendly.com/frederic-mathier/ Abonniere diesen Podcast Vernetzen wir uns auf Linkedin: https://www.linkedin.com/in/fredericmathier/ Termin mit Frédéric buchen: www.fredericmathier.com Danke für deine ***** Bewertung auf iTunes oder Spotify Instagram: https://www.instagram.com/frederic_mathier/ TikTok: https://www.tiktok.com/@frederic_mathier/ Wünsche dir erfolgreiche Verhandlungen Frédéric Mathier
Links zu Vedran Zolota: Instagram: https://www.instagram.com/salestastic/ Website: https://sales-tastic.at In der heutigen Folge habe ich den Trainer Nr.1, Unternehmer, GenZ-Experte und Keynote Speaker Vedran Zolota zu Gast. Diese Punkte kannst du aus der heutigen Folge mitnehmen: Warum Lehrlinge die Zukunft eines Unternehmens sind Warum es so wichtig ist, früh möglichst bereits beim Start der Ausbildung als UnternehmerIn in die Lehrlinge zu investieren Welche Themen den Lehrlingen helfen, ihr ganzes Potential auszuschöpfen Warum Kommunikation der Schlüssel zum Erfolg für Angestellte ist Willst du Frédéric live erleben? Hier findest du alle Infos: https://maevo.ch/events/ Wenn du mit mir mal persönlich und live sprechen willst, dann buche dir hier einen Termin für deine kostenlose Verhandlungsstrategie: Wenn auch du erfolgreich verhandeln willst: https://calendly.com/frederic-mathier/ Abonniere diesen Podcast Vernetzen wir uns auf Linkedin: https://www.linkedin.com/in/fredericmathier/ Termin mit Frédéric buchen: www.fredericmathier.com Danke für deine ***** Bewertung auf iTunes oder Spotify Instagram: https://www.instagram.com/frederic_mathier/ TikTok: https://www.tiktok.com/@frederic_mathier/ Wünsche dir erfolgreiche Verhandlungen Frédéric Mathier
"Prodaja po svaku cenu nije najbolje rešenje." U 231. epizodi podkasta Pojačalo, Ivanu Miniću pridružuje se Vedran Sorić, čovek sa prebogatim iskustvom u domenu prodaje, prodajnih aktivnosti i preduzetništva. Vedran je tokom svoje karijere prošao niz edukacija i radio u više velikih korporacija, izgradio bezbroj konekcija i dobro se upoznao sa najrazličitijim strategijama prodaje kako u Hrvatskoj tako i globalno. Zbog toga, Vedran Sorić je u stanju da nam pruži jedinstvenu perspektivu na strategiju prodaje kao koncept i veštinu i podeli sa nama neke manje poznate trikove svog poslovanja. Kao neko ko se čitavog života opirao previše rigidnim procedurama i šablonima koji su često ustaljeni u radu velikih korporacija, Vedran je izgradio jedinstven, sebi svojstven pristup prodaji i poboljšanju prodajnih tehnika i strategija, a njegov cilj je da to znanje i podeli sa što većim brojem ljudi. Zbog toga, Vedran je veoma fokusiran na edukacije koje pruža klijentima kroz rad svoje konsultantske firme Sorbel Group, kao i kroz svoj sopstveni podkast - Prodajni Mindset - koji vodi zajedno sa kolegom Sašom Tenodijem. Teme u epizodi: - Uvod - Otkud Jordan Belfort u Zagrebu? - Šta ću biti kad porastem - Prvi nagoveštaji budućnosti - Prvo iskustvo - Upoznavanje drugih kultura - Životna škola - Rad u korporaciji - Idemo u Lidl - Idemo iz Lidla - MBA - Najvažnije lekcije - Šta čini uspešnog distributera - Rešavanje konflikata - Lični pristup prodaji - Trening prodaje - KPI problemi i rešenja - Najveći uticaji - Zašto Belfort? Podržite nas na BuyMeACoffee: https://bit.ly/3uSBmoa Pročitajte transkript ove epizode: https://bit.ly/3qYG5Ik Posetite naš sajt i prijavite se na našu mailing listu: http://bit.ly/2LUKSBG Prijavite se na naš YouTube kanal: http://bit.ly/2Rgnu7o Pratite Pojačalo na društvenim mrežama: Facebook: http://bit.ly/2FfwqCR Twitter: http://bit.ly/2CVZoGr Instagram: http://bit.ly/2RzGHjN
Join us in this remarkable episode where we dive into a conversation with Vedran Habel, founder of the pioneering NGO - UNUO. Embark on a journey of inclusion, empowerment, and innovative approaches to disability. Vedran narrates the story of UNUO's inception 15 years ago, its commitment to providing holistic support for children and adults with disabilities, and its transformational efforts to integrate them into society.The episode's highlight is UNUO's latest groundbreaking project – organizing the first-ever European culinary competition exclusively for people with disabilities. Vedran shares with us the essence of this initiative, their endeavours across 19 countries, and the inspirational individuals involved. This competition is not just about food but about stirring societal norms and changing attitudes towards disability.In a heartfelt discussion, Vedran addresses the prevailing challenges, including the lack of visibility for people with disabilities in regular workplaces, and urges everyone to change the narrative. Listen to Vedran's unyielding hope for a future where disability is not a barrier to employment and inclusion isn't just spoken about but practised in every workplace.
Zenobia of Palmyra could rival the famous Cleopatra when it came to pissing off Rome. Zenobia grew up at the daughter of a minor Syrian nobleman but when she married the king of the small but important city of Palmyra her life changed. When her husband died Zenobia took her small city and turned into an empire while simultaneously challenging the known world's greatest power. Join me to learn the story of this awesome Syrian Queen. Bibliography Bileta, Vedran. “Who Was Queen Zenobia of Palmyra?” TheCollector, May 23, 2023. https://www.thecollector.com/who-was-queen-zenobia-of-palmyra/. Contributors to Wikimedia projects. “Odaenathus.” Wikipedia, March 27, 2023. https://en.wikipedia.org/wiki/Odaenathus. ———. “Vaballathus.” Wikipedia, March 27, 2023. https://en.wikipedia.org/wiki/Vaballathus. ———. “Zenobia.” Wikipedia, May 29, 2023. https://en.wikipedia.org/wiki/Zenobia. Department of Ancient Near Eastern Art. “Palmyra.” The Met's Heilbrunn Timeline of Art History, January 1, 1AD. https://www.metmuseum.org/toah/hd/palm/hd_palm.htm. Duncan, Mike. “When Palmyra Rivaled the Roman Empire.” Reuters, May 25, 2015. https://www.reuters.com/article/idUK270203556420150525. Arab America. “Five Things You Didn't Know Zenobia of Palmyra,” August 25, 2021. https://www.arabamerica.com/five-things-you-didnt-know-zenobia-of-palmyra/. Mark, Joshua J. “Zenobia.” World History Encyclopedia. Accessed June 13, 2023. https://www.worldhistory.org/zenobia/. “Palmyra: The Modern Destruction of an Ancient City – Smarthistory.” Accessed June 13, 2023. https://smarthistory.org/palmyra-arches/. The Editors of Encyclopaedia Britannica. “The Editors of Encyclopaedia Britannica.” Encyclopedia Britannica, July 20, 1998. https://www.britannica.com/biography/Septimius-Odaenathus. Warfare History Network. “Zenobia's Bloody War of Independence,” January 2, 2023. https://warfarehistorynetwork.com/article/zenobia-queen-of-palmyra/.
Get a 4.75% mortgage rate or 100% financing on new-build Florida income property. Start here. If I gave you $10M, learn why that probably wouldn't even help you. We revisit how “Real Estate Pays 5 Ways”, a concept that I coined right here on the show in May 2015. Some think real estate pays three, four, or six ways. I revisit why there are exactly five. Real estate has many paradoxical relationships. I explore. Americans are living in homes longer than ever, now a duration of 10 years, 8 months. The active supply of available housing dropped again. Get an update on the gambling industry. A major sports gambling platform has offered to advertise with us. Take my free real estate video course right here. Zillow expects US home values to rise 4.8% from April 2023 to April 2024. Months of available housing supply is currently 2.7 per Redfin. Resources mentioned: Show Notes: www.GetRichEducation.com/450 Active Supply of Available Homes: https://fred.stlouisfed.org/series/ACTLISCOUUS Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review” Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold Complete transcript: Welcome to GRE! I'm your host, Keith Weinhold. If you were gifted $10M right now, why that very well wouldn't help you at all. Learn a fresh take on how Real Estate Pays 5 Ways at the same time. A housing market update with perennially sagging inventory supply amounts and more outlooks for stronger home price appreciation than many expected. Today, on Get Rich Education. Welcome to GRE! From Montevideo, Uruguay to Montecito, CA and across 188 nations worldwide, you're listening to one of the longest-running and most listened-to shows on real estate… the voice of real estate investing since 2014. I'm your host and my name is Keith Weinhold. How would you like it if I gave you $1M? You know what? That's not enough to make my point. Make it $10M. I adjusted for inflation - ha! How much would you like it if I gave you $10M? How would that feel? But what if it comes with this one condition. What if I told you that I'll give you the $10M, but you are not waking up tomorrow? Not waking up tomorrow? No way! Now you know that waking up tomorrow is worth more than $10M. This is how you know that your time and your life are worth infinitely more than any dollar amount. Hmmm… if your time is so valuable. Then why did you check Instagram 15 times yesterday to see who viewed your Stories? Ha! Why are you spending time with your AI girlfriend? Ha! Get Rich Education is ultimately about living a rich LIFE - whatever that means to you. And we do approach that from the financial perspective here. Money does matter… because leverage, cash flow, and inflation-profiting enable you to BUY time. We're really one of the few investing platforms… this show is one of the few places with the audacity to tell you that - sure, a little delayed gratification is good… but the risk of too much delayed gratification is DENIED gratification. Denied gratification is a terrible investing risk that most people either don't give enough weight to - or don't factor in at all. And getting a $10M windfall is not as great as it sounds either. History shows that the $25M Lottery winner quickly loses their money. Why does that happen? Because it seemed like it was effortless to get the windfall, and because they don't know how to handle an amount like that. It's really similar to a capital gains-centric investor that gets a windfall. See, cash flow investors like you & I - we can be more measured because your income stream is metered out over time. That's why you are less likely to be irrational with your gains. Now, I touched on some of those ways that you're paid in real estate investing. Real Estate Pays you 5 Ways™ simultaneously. That's a concept that I coined right here on the GRE podcast. We since went on to have it trademarked. Do you know when I first introduced that concept right here on the show - the month & year? And I've since gone on to do a lot with “Real Estate Pays 5 Ways” to help other audiences understand real estate's five distinct profit sources. Well, I had someone on Team GRE here do some digging into some of our legacy shows - our past episodes… because I wanted to know when I first said it… and it was apparently in May of 2015, so 8 years ago that I introduced it. Since then, many other thought leaders have gone on to cite the phrase. Someone other than me even wrote a book on it. And that doesn't bother me at all. I'd rather that other people and readers get good ideas. That's more important than getting the credit. Of course, c'mon, you can recite these 5 now like they're the Pledge Of Allegiance or something. This is as automatic as the Lord's Prayer is for Christians. The five are: Appreciation Cash Flow Your return on Amortization and Tax Benefits and finally Inflation-Profiting But now, let's dissect this frog here a little. Why five ways? Why not another number, like real estate pays four ways or six ways? It is five. There are no more or less. Each of the five are a distinct benefit. A common flawed case that Real Estate Pays 4 Ways is that most real estate teachers omit the Inflation-Profiting benefit on the long-term fixed interest rate debt. Any GRE devotee knows that with 5% inflation on $1M in debt, you only owe the bank $950K of inflation-adjusted debt after year one, $900K after year two, etc. (And in the meantime, the tenant pays all of your mortgage interest.) Some that make the 4 Ways case question the Tax Benefit. Could the tax benefit really be considered a profit source, or is it just a deal sweetener? It's a profit source. Outside the real estate world, to obtain a tax write-off, you must have a real expense backed up with receipts, like building a new computer equipment or buying a new farm tractor. Instead, the magic of real estate tax depreciation says that you can just write off 3.6% of the improved property value each year just for doing... nothing all year. No improvements necessary. It's a phantom write-off, yet legitimate to the IRS. Then the 1031 Exchange means you can endlessly defer all of your federal capital gains tax for your... entire life. Yes, it's one of the few places in life where procrastination actually pays. I've even heard some say that they're a fan of GRE's Real Estate Pays 5 Ways™, but they've discovered a sixth. This often involves an event that's either unlikely or falls into one of the existing 5 Ways. For example, "My appraisal value exceeded the contract price. I'm buying it for $320K, but the appraisal is $340K. I got $20K in instant equity. See, I was paid a 6th way." No. I mean, good for you, $20K of instant equity is a nice sweetener - that's a $20K credit in your net worth column that you received the moment you opened up that appraisal e-mail from your lender and saw it. Nice! But an appraised value that exceeds the purchase price is not COMMON enough to be expected… and the 5 Ways are. Also, you can make the case that "instant equity" is covered in the first way you're paid, Appreciation. The reason that we invest in real estate is because there's virtually no other vehicle in the world where you can expect to be paid five ways at the same time. That's a foundational principle - it's a core concept here at GRE. It's why we do what we do. It answers the compelling “why” for real estate better than any answer there is… …and that's why anything less than a 20 to 25% combined return when you add up all five ways is actually disappointing - and that's done with low risk - which is paradoxical almost anywhere else in the entire investing world. If you haven't yet, take my free “Real Estate Pays 5 Ways” course in order to really understand each of your five distinct profit sources, where they come from, and how that all fits together. It's at GetRichEducation.com/Course. The free “Real Estate Pays 5 Ways” short course is free at GetRichEducation.com/Course Let's talk about real estate trends. You know, real estate investing has a lot of relationships that you just wouldn't expect. Part of that is because it intersects with the economy. Economies are complex and you get these relationships that are counterintuitive. For example, in a recession, mortgage rates and all interest rates tend to fall, not rise. Another exhibit is how debt BUILDS wealth with prudent leverage. Another one that I've explained extensively here and the show and elsewhere is that higher mortgage rates correlate with higher home prices - not lower ones. That throws nearly everyone off. Some physical real estate trends have been counterintuitive. About 30 years ago in America - the 1990s - a new trend was fueled that everyone wanted to have a big kitchen. New homes were often built with a big, fancy kitchen in the center of the home. Open floor concept - no galley kitchens anymore. That began back then. And this was really the advent of - at the time - what we considered luxury amenities like granite and quartz kitchen countertops. Anymore, that's become standard. Even our build-to-rent providers at GRE Marketplace often have new granite countertops in rentals. But the paradox here is the assumption that a big emphasis on kitchens would mean that more people would start cooking at home. Oh, no. Just the opposite, in the last 30 years, despite the big kitchens, more people eat out at restaurants and fewer people eat at home. Another real estate paradox. Another counterintuition was the pandemic. Society locked down, people lost their jobs and you think that there are going to be mass foreclosures because with no job, no one can afford their mortgage payment. People thought the pandemic will cripple the housing market. Oh, it was just the opposite. That created a housing boom. Everyone wanted their space. Another paradox. Remember here on the show, shortly after Biden was elected, I told you that this administration - for better or for worse - will not let people lose their homes. Then we had high inflation on the heels of the pandemic. That was bad for consumers and good for real estate. But high inflation is supposed to mean that bitcoin and gold would surge. Well, another paradox, that brought crypto winter, and gold did nothing in high inflation, until more recently here. Rather than high delinquency rates we've got low delinquency rates. In fact, the mortgage delinquency rate has been steadily falling for almost 3 years now. That's because of strong borrowers and tough lending standards. Now, another real estate investing trend, though there's nothing paradoxical here, is mortgage rate resets. Here in the US, on 1-4 unit rental properties, you're in great shape, whether you locked in your interest rate at 3% or 7% - the thing is that you have a steady payment… and on an inflation-adjusted basis, your same monthly payment amount goes DOWN over time - it's a tailwind to your personal finances. Inflation cannot touch your steady, locked-in P & I payment. But many Canadians are up for renewal with their 5-year fixed rate, 25-year amorts. Yeah, just across the border in Canada, they don't have these 30-year fixed rate amortizing loans. Their rate resets every five years. One Canadian homeowner that I talked to, he doesn't live in that posh of a home in Ontario, it's just a little above the median housing price. His family's loan terms are about to reset on the primary residence and it's expected to increase their monthly payment by $1,280 / mo. How would you feel if that happened to you overnight? It's a nuisance at best. It might even crimp your quality of life - or worse. That can't really happen to you in the US. Having a 30-year FRM is like you having rent control as a tenant. In coastal areas, some tenants that have a rent control deal - New York, California, Oregon - they want to live in their home for decades under rent control because there's a ceiling on their rent. Move out of their unit - lose the deal and they'd have to reset somewhere else. It's the same with you as an American homeowner or REI in the 1-to-4 unit space. Your P&I price cannot rise. And, I've talked about the interest rate lock-in effect before, constraining the housing supply. Get this. Just last week, First American Title Company informed us that the average resident duration in a home hit a record high. Amongst this lower intrinsic mobility rate, interest rate lock-in effect, and other societal trends, the average resident duration in a primary home in now 10 years, 8 months. Lower mobility. Studies show that people are holding onto their cars longer than ever, and people aren't parting with their real estate either. So, then, with fewer properties coming to market, let's update the available supply of homes. This is pulling from the same set of stats that I've been citing for years, in order to be consistent. Check this out. This is the FRED Housing Inventory - the Active Listing Count of Available US homes. Remember, historically, it's 1-and-a-half to 2 million units available. In 2016 it was still 1-and-a-half million. Then in April of 2020 it dipped below 1 million and fell sharply from there - which I've famously called this era's housing crash. It was a housing SUPPLY crash - which hedges against a price crash. It fell to as low as 435,000 a year later in mid-2021. Gosh, under a half million. It's rebounded as builders know that they need to build more homes. Six months ago it got up to 750,000 available homes - which is still less than half of what America needs. And now, today, did the supply get up toward at least 1 million yet? No. It has dropped back the other way to just 563,000. This astounding dearth of housing supply - it's a condition that we could very well be in for over a decade. This scarce supply is a long-term American condition. Yes, it's good for your real estate values - both present and future. But it is a problem too. It's a contributor to homelessness! The Covid home improvement boom is officially over. So says Home Depot. They posted a revenue drop in the first quarter and warned that annual sales would decline in 2023 for the first time in 14 years. Home Depot said that shoppers are now holding off on the big-ticket purchases they made during the pandemic and are choosing to break up larger projects—like remodeling a bathroom—into smaller, bite-sized pieces. There's a fascinating new study from a bipartisan think tank shows that everyone wants to LIVE ALONE. That's what Business Insider just reported on. Now, of course, the term “everyone” is an exaggeration. But Statista and Our World In Data tells us that - get this - this is the number of SINGLE-PERSON households in the US - people living alone. Back in 1960, that figure was just a paltry 13%. By 1970, 17% of households were people were living alone. Every ten years, that percent crept up to 23, 25, then 26%. By 2010 it hit 27% and by 2022 it hit 29%. Now, you can't think that's good for society - to have all these single-person households. Almost 3 in 10 living alone. C'mon. Find a good spouse. But in any case, that's good for you as a REI, when, say, 10 people live amongst 5 homes rather than 3 homes - absorbing all that housing supply and keeping it scarce. Even if the US population stayed the same, there's more home demand - with that trend. Of course, the US population is growing, though really slowly, probably just a few tenths of 1% this year. But because of all the Millennials and the embedded “Work From Anywhere” trend, housing demand is pretty strong. The recent rental housing demand and rent boom came almost entirely due to a surge in household formation -- young adults leaving the nest and roommates decoupling to get their own space... especially in urban areas. People working from home want more space (without a roommate) AND are willing to pay more for it -- and able -- to pay more for it. So if you're bullish on work-from-home remaining the norm for at least a chunk of the population (and I am), you should be bullish on the rental demand outlook. And this has really revitalized America's SUBURBS - that's the area where you find that space. The WFH-fueled rise of the suburbs is a wake-up call to cities, where, in the case of NYC, 26 Empire State Buildings' worth of office space now sits empty. The typical office worker is spending $2,000–$4,600 less annually in city centers. Because even if they GO to the city to work, they might only do that 2 days a week now - not 5. I've got more for you straight ahead, including a new forecast on how much home prices are expected to rise this year. Again, check out my free video course if you haven't “Real Estate Pays 5 Ways”. Get it at GetRichEducation.com/Course I'm Keith Weinhold. You're listening to Get Rich Education. Yeah, big thanks to this week's show sponsors. I'm only bringing you those places that will bring real value to your life. Now, here at GRE, I recently read an offer that one of these major sports gambling platforms sent us. They want to advertise on the show here. Do you want to hear sports gambling ads on GRE? I've got an opinion about that, that I'll share with you shortly. Gambling is not the same as investing. If you're wondering why you're hearing more about gambling, especially sports gambling than you had just a few years ago, well… Now, just last week, it was FIVE years ago that the Supreme Court lifted a federal ban on sports gambling in the US. That spawned a multibillion-dollar industry that's transformed how Americans watch, talk about, and experience sports. Americans bet $95B on sports in legal jurisdictions with consumer protections last year. That's more money than the amount spent on ride sharing, coffee, or streaming… and you can bet that the off-the-books gambling number, if added in, would make that WAY higher. Two sports betting companies, DraftKings and FanDuel, control 71% of the US market, per gambling analytics firm Eilers & Krejcik. Gosh, that's almost a duopoly right there. But despite that, these companies have struggled to turn a profit. FanDuel recorded its first quarterly profit just last year, and DraftKings has YET to report a profitable quarter. Well, I'll just tell ya, it's one of those two big companies that inquired about advertising on GRE. Of the 50 states, the number is 33 that allow it. That's 2/3rd of the nation that has legal sports betting (Washington, DC, has it too). Another four states have legalized sports wagering, but don't have any sportsbooks operating yet. Interestingly, the three most-populous US states—California, Texas, and Florida—have not legalized sports gambling. And they account for 26% of all teams in the major North American pro leagues. The number of women joining sportsbook apps jumped 45% last year, marking the third straight year that new women users exceeded men. Hmmm. I guess that's the growth market there. My inclination to have gambling advertising and associating with these companies is NOT to do it… not to accept that advertising income. I don't see how that's serving you. This feels like a conflict in my gut and in my heart. Gambling is sort of the opposite of investing for a stable rental income stream. I mean, either way, I guess you're putting your money at stake. But that's about the closest common ground I can find. At least at this time… and probably all-time, it's a “no” for gambling content here. That's not any sort of moral judgment on the activity at all. I mean, gosh, as a teenager, I was really into sports gambling, but it was the informal kind. My friend & I each lay a $10 bill next to the TV - Phillies vs. Mets. Winner gets the $20 bucks. So, my inclination is a pretty easy “no”. Hook up with our sponsors - they support GRE. That's Ridge Lending Group, offering income property loans nationwide. JWB Real Estate Capital - if you want performing income property, JWB really has Jacksonville, FL sewn up & locked down. They do one thing and do it well. Then, Freedom Family Investments. Get started with them for real estate funds that are ultra-low hassle. Text “FAMILY” to 66866. Where will the next ten years take you & I on the show here? I would love to be along for the ride with you. I hope that you'll be here with me. Let me just take a moment to remind you that I'm grateful to have such a large, loyal audience to… well, listen to the words that I say every week. Thank you for your support. This show has almost reached the 5 million download mark. I've been shown that it's between 4.8 and 4.9 million downloads now. I'm genuinely honored and a little humbled about that even. Let's listen in to this 3+ minute CNBC clip. This is Lawrence Yun, Chief Economist at the NAR - the National Association of Realtors talking about the housing market just last week. Now, a little context here - historically, the NAR has tended to give these dominantly sunny side-up, glowing, everything is always good & getting better kind of remarks on the housing market. But I've been listening to the NAR's Lawrence Yun for quite a while and think he's been rather balanced. Here, he discusses how real estate sales volume is down - which has a lot to do with low supply, that mortgage rates are steady, and that prices are slowly rising in most parts of the nation. [OK, Vedran. Here's where we play the insert.] 0:09-3:42 First words to keep are: “Lawrence Yun…” Last words to keep are: “... half of the country.” https://www.cnbc.com/video/2023/05/17/home-prices-still-rising-despite-sales-dropping-says-national-association-of-realtors-yun.html Now, Lawrence Yun did go on to say that he thinks that the Fed should lower interest rates by a half point, and more. Let us know if you'd like us to invite Lawrence Yun onto the show. As always, you can leave your suggestions, questions, or any comments about the Get Rich Education podcast or any of our other platforms at our Contact center at: GetRichEducation.com/Contact When it comes to national HPA, just last week, we learned that Zillow revised its home price outlook upward. Between April 2023 and April 2024, Zillow expects home US home values to rise 4.8%. You've got more signs that more & more American markets are being considered a seller's market rather than a buyer's market, which tilts toward price appreciation, though I still think pretty moderate price appreciation this year. CNN recently published an article where they even posited the question: “Are Bidding Wars Back?” Yes, they are in a few markets. Another measure of housing supply is the MONTHS of available supply. I think you know that 6 to 7 months of inventory is considered a balanced supply & demand market. If it gets up to 10 months of supply, you tend to see little or no HPA. Well, indicative of the low housing supply, we hit a winter high of 4-and-a-half months of supply. And today, it's down to just 2.7 months per Redfin. 2.7 months. That's just another sign that demand is outpacing supply. Then, among those entry-level homes, like the NAR's Lawrence Yun eluded to, they're even harder to find… and they're the ones that make the best rentals. How hard are these to find? I mean, in some markets this can be even more rare than finding a true friend? Ha! Is it as rare as the Hope Diamond? Or perhaps a Honus Wagner baseball card? Ha! Well, the good news is that we actually have the inventory that you want at GRE Marketplace. Besides that, we actually have something that you really like and that is - mortgage rate relief to help you with your cash flow. Purchase rates have been hovering around 6 1/2% lately. That's the OO rate, so for rentals, it could be 7%+. Well, how about rolling back the hands of time? Through our great relationships here and our free investment coaching, you have access to 4.75% interest rates on investment property - and many of these are new-builds in path-of-progress Florida. Yes, our free coaching will get you the 4.75% mortgage interest rate, they'll even help write the sales contract for you if you're new to this, walk you through the property inspection, the property condition, the appraisal. Yes, a 4.75% interest rate… today, from these homebuilder buydowns. I don't know how much longer that can last. To be clear, you're not buying an income property FROM us. You're buying it with our help and our connections. It is all free to you. This is educational support for you. In fact, our coaching support like this through our sole investment coach, Naresh is becoming so popular, that I can announce that we soon plan to add a second investment coach. Yes! A new one. And interestingly, you have heard of this soon-to-be second investment coach because they've been a guest on the show here a number of times. Yeah, we'll make that introduction on a future show. You'll find THAT interesting. But, our Investment Coach, Naresh, does have some slots open to talk with you and help you out. A lot of the best deals currently with these 4.75% rates are with new-build Florida duplexes and fourplexes. You can use them for rental SFHs too. Last I checked, the deals were a little better on the duplexes and fourplexes. You probably thought that Sub-6 and sub-5 mortgage rates are about as unlikely to make a sudden comeback as AOL or Myspace, but we've got them here now. Now, that 4.75% is just one of two options that we have with some Build-To-Rent builders that are fairly motivated. So to review the first one fully… you can get a 4.75% interest rate with a 25% down payment 1 year of free property management and $1,000 off closing costs per deal That's one. Or, option 2 is: Zero down payment - yes, 100% financing 2 years free property management $1,000 off closing costs per deal Negotiable price, open to offers They are the two options. It's rarely more attractive than this. If you hear this in a few weeks, or perhaps months, I doubt that these options will be there any longer. So I'll close with something actionable that can really help you now. If you want to do it yourself, that's fine, like thousands of others have, get a selection of income property - despite this national dearth of supply at GREmarketplace.com Or, like I said, right now, it's really helpful to connect with an experienced GRE Investment Coach - it's free - our coach's name is Naresh - for those 4.75% interest rates or zero down program - whatever's best for you… you can do all that at once at GREmarketplace.com/Coach Until next week, I'm your host, Keith Weinhold. DQYD!
Vedran Sorić je prodajni konzultant s višegodišnjim iskustvom u prodajnom sektoru te vlasnik tvrtke Sorbel Group. Saša Tenodi je socijalni pedagog i jedini NLP trener pod originalnom licencom na ovim prostorima educiran u SAD-u kod Dr. Richarda Bandlera te začetnik NLP zajednice u Hrvatskoj. Zajedno vode emisiju Prodajni mindset. Prodaja je za njih ishod i proces i emocija. No, kako se to odražava na prodajni jezik, jezik koji, kako tvrde gosti, koristimo svi? -- Pozivamo vas da ispunite ankete o slušanosti (2-5 min): forms.gle/nZ6tJTKuQysct3jQ7 Pretplatite se i saznajte više o podcastu: www.linktr.ee/bliskisusreti Pratite nas: www.facebook.com/bliskisusreti www.instagram.com/bliskisusreti_podcast www.twitter.com/bliskisusreti Sviđa Vam se što naš rad? Podržite nas kavicom za 2€: www.buymeacoffee.com/bsjv (CC) 2023 Bliski susreti jezične vrste
Vedran Pušić je vlasnik kompanije INFO MEDIA GROUP, osnovane u Banja Luci 2004. godine. Osnovna delatnost kompanije je advertising. Danas, to je grupacija koju čini 6 firmi, sa preko 100 zaposlenih, a fokus poslovanja je na uslugama marketinga, oglašavanja i tržišnog komuniciranja na teritoriji Bosne i Hercegovine i Adria regije. Kako je ušao na nova tržišta, ima li sličnosti i razlike između Srbije, Hrvatske i Slovenije; kako je došao do ideje i šta ga je podstaklo da krene na tržište Dubaija? Koje su njegove vizije i šta ga čini ponosnim? Šta bi preporučio početnicima u biznisu i još mnogo toga saznajte od fantastičnog Vedrana Pušića!
Vedran Pušić je vlasnik kompanije INFO MEDIA GROUP, osnovane u Banja Luci 2004. godine. Osnovna delatnost kompanije je advertising. Danas, to je grupacija koju čini 6 firmi, sa preko 100 zaposlenih, a fokus poslovanja je na uslugama marketinga, oglašavanja i tržišnog komuniciranja na teritoriji Bosne i Hercegovine i Adria regije. Kako je ušao u preduzetništvo i šta su njegovi počeci, da li je bavljenje sportom imalo uticaja na njega kao ličnost (i privatno i poslovno); zašto misli da bez rizika nema profita, te da svako ima srećni momenat; kako je izgradio današnju korporaciju i postao lider na tržištu Adria regije i još mnogo toga saznajte od fantastičnog Vedrana Pušića!
The Infill Podcastâ„¢ - The Place For 3D Printing, Makers, and Creators!
Get EXCITED! This week, we're joined by Vedran Marjanovic Wekster, aka “Wekster,” creator of some of the most recognizable miniature models and designs out there. Wekster is a highly respected member of the 3D Printing community, and you've no doubt seen his models. We'll talk about his journey towards becoming a creator, how he learned his amazing skills, and what's next for him. Make sure to tune in LIVE to get your questions answered!
Vedran Prazen plays 20 Camino Questions. Loads and loads of great tips for walking in this short episode! To connect with Vedran and Camino Croatia:https://caminocroatia.com/https://www.instagram.com/caminocroatia/https://www.facebook.com/groups/caminocroatiaConnect with Leigh at The Camino Cafe Podcast:Please check out our new show, Good Morning, Santiago! It's exclusively on YouTube:)Subscribe to our YouTube Channel https://www.youtube.com/channel/UC6VN9ze3z61n6tRLtDXWuQwJoin our private Facebook Group https://www.facebook.com/groups/216352732761518The Camino Cafe's intro and outro song was made possible with the generosity of fellow Pilgrim, Jackson Maloney.Original Song - "Finnis Terre" - written and performed by Jackson Maloney - Pilgrim, Singer, Musician, and Songwriter.Connect with Jackson: https://open.spotify.com/artist/3fdQsSqq9pDSwKcWlnBHKR
Hi everyone! We had a great time with Vedran Balagović. Vedran is the CTO & Full Stack Developer at QED Ltd., and he will share with us about a Flutter game he developed called Chill Dude. Check out the episode!Resources:https://play.google.com/store/apps/details?id=qed.dudechill.iohttps://apps.apple.com/app/id1666494134https://twitter.com/dr_terapeutOn the show:
We hear a lot about Big Data. But what does it actually mean? Is it, quite simply, lots of data? Or is there more to it than that? Spoiler alert, there is. A lot more. In this episode, we're taking a look at the age of insight, and how Big Data has evolved from a technical concept to a way of extracting enormous value from the fumes of data meant for other purposes. We'll be meeting some of the people who have been taking raw data and adding context and insight to open up a world of value and possibility. We'll also be asking whether Big Data can get too big, and at what point it simply becomes too much to economically handle. We'll also be looking at whether there's a line to be drawn between collecting insights, and invasive mining of our lives for their data value.In this episode, we'll be meeting with Professor Vedran Podobnik, lecturer at the University of Zagreb and Global Lead for Data, Analytics & AI at Hewlett Packard Enterprise. Vedran has been in the field of data, analytic and AI for over 15 years, and understands how the field (and the definition of Big Data) has evolved and grown over the years. He also understands better than anyone the unique challenges that a 'bigger, faster, better, more valuable' approach to our data can bring.Heather Savory probably understands big data in practice better than anyone. In an incredibly varied career, she was the deputy national statistician for Britain's Office for National Statistics. She's also worked on Big Data for the United Nations, and currently sits as the Non Executive Director for the UK Parliament Information Authority. In short, she knows a lot about Big Data, and has spent much of her career transforming big public bodies to take advantage of it and embrace the age of insight. As the spearhead of the drive to open up data in British politics, she has seen first hand the incredible results which can be achieved when disparate and siloed datasets are combined, layered, and opened up to the outside world. She also understands first hand the challenges involved in convincing people to open up their data to scrutiny, and the challenges that can present organisations.But is data alone enough? Well, no. Insights require human expertise to analyse, verify and act on them. That's where Dr Louise Blair comes in. She's the senior analyst and Head of Vaccines and Variants at Airfinity, a data analytics and insights company specialising in healthcare. Airfinity compares data from drug trials, medical reports, news articles and disease heatmaps around the world to offer advice and insight which helps Governments, the pharmaceutical industry and health services plan for the future and expect the unexpected. Taking data from as diverse sources as livestock markets, they are able to offer advice in a way that's never been possible before - by using human intuition to compare vast siloed datasets from different sources. Combining datasets can also be invaluable when it comes to predicting future threats in other spheres. George Webster is Chief Security Architect at HSBC (you may remember him from our last episode, on Ransomware). George has a background in using AI and insight to drive human efficiencies when it comes to cyber security, thinning out the field of false positives and helping identify genuine threats. He understands that a reliance on data alone isn't enough, and that even in the digital sphere, big data and the insights we can gain from it is best utilised to help, rather than replace, human expertise.The long show notes for this episode can be found here: https://community.hpe.com/t5/hpe-blog-uk-ireland-middle-east/big-data-more-than-just-a-number/ba-p/7184566#.ZBA-7HbP2Ul
After this interview, all I can think about it walking a Camino in Croatia! I think you'll see why after you meet Vedran Prazen, an eight-time Camino veteran, and Pia Veronika Klinac, a 15-year-old first-time Pilgrim in this interview. recorded in Santiago. Vedran is one of the key people involved in revitalizing the Croatian Camino paths. His personal story is so inspiring from overcoming major health challenges to falling in love on the Camino! His insights on how the Camino is like "getting to peek into the keyhole of paradise" and how the walk feels like an "internal shower" are beautiful descriptions of what it's like to walk a Camino. History buffs will also love hearing about the findings of Pilgrim traditions in Croatian dating back to 1203 AD! Pia shares some delightful insights on what it was like to walk as a 15-year-old, with her Mom, and with the Croatian group. I found her to be wise beyond her years and it was such a joy to spend time with her. I hope you enjoy meeting Vedran and Pia as much as I did! To connect with Vedran and Camino Croatia:https://caminocroatia.com/https://www.instagram.com/caminocroatia/https://www.facebook.com/groups/caminocroatiaConnect with Leigh at The Camino Cafe Podcast:Please check out our new show, Good Morning, Santiago! It's exclusively on YouTube:)Subscribe to our YouTube Channel https://www.youtube.com/channel/UC6VN9ze3z61n6tRLtDXWuQwJoin our private Facebook Group https://www.facebook.com/groups/216352732761518The Camino Cafe's intro and outro song was made possible with the generosity of fellow Pilgrim, Jackson Maloney.Original Song - "Finnis Terre" - written and performed by Jackson Maloney - Pilgrim, Singer, Musician, and Songwriter.Connect with Jackson: https://open.spotify.com/artist/3fdQsSqq9pDSwKcWlnBHKR
Gost N1 podcasta Jedan sat je Vedran Tuce, direktor Sarajevske filharmonije.
Vedran Vukman poduzetnik je od osnovne škole. Danas ima mnogo startup iskustva i CEO je Revuto-a, aplikacije koja upravlja vašim pretplatama. Razgovarali smo o njegovim poduzetničkim početcima, riskantnim ulaganjima te njegovom odnosu prema pretplatama i na koji način Revuto pomaže. Dobar dio vremena posvetili smo i razgovoru o blue ocean strategijama, te zašto ih investitori vole ili ne vole, te o odnosu s VC investitorima općenito. Želite li da napredujemo u stvaranju ovakvog sadržaja? Onda podržite Surove Strasti na Patreonu, to je platforma gdje možete odrediti da se Surovim Strastima svaki mjesec automatski pošalje neki iznos, na primjer 15-tak eura. To nije veliki iznos - manje od jednog izlaska s par prijatelja, a nama puno znači da ostvarimo kvalitetniju produkciju. PREPORUKE ZA LAKŠE I UGODNIJE SLUŠANJE PODCASTA Tri načina kako slušati podcastKako slušati podcast u autu koji nema Mp3 player
Vedran Jukic Vedran Jukic Today, we spoke with Toma Pujlak and Vedran Jukic of Codeanywhere. We discussed Cloud-based dev environments, Cloud-based IDEs, Infrastructure as code, Dev containers and Live collaboration. Sponsorship inquiries: sponsor@softwareengineeringdaily.com The post Code Anywhere with Toma Pujlak and Vedran Jukic appeared first on Software Engineering Daily.
Vedran Jukic Toma Puljak Today, we spoke with Toma Puljak and Vedran Jukic of Codeanywhere. We discussed Cloud-based dev environments, Cloud-based IDEs, Infrastructure as code, Dev containers and Live collaboration. Sponsorship inquiries: sponsor@softwareengineeringdaily.com The post Codeanywhere with Toma Puljak and Vedran Jukic appeared first on Software Engineering Daily.
Vedran is the founder of Treblle. In this episode, we're talking about how they scaled their software, which makes it super easy to understand your product's API, to 6k MRR and how they are growth hacking their marketing through smart content strategies. Join the FB community group: https://www.facebook.com/groups/saaspirates. Follow Mike: https://twitter.com/mikeslaats/, https://instagram.com/mikeslaats, https://youtube.com/mikedotsaas [DISCOUNT OFFER] User feedback tool: https://upvoty.com (10% off with code 'PIRATES').
Vedran Sorić je jedan od najpoznatijih prodajnih konzultanata u regiji, i zajedno sa stručnjakom za komunikaciju Sašom Tenodi je pokrenuo brand "Prodajni mindset" koji za sada ima YouTube kanal, meetupove i konferenciju, a odnedavno i istoimenu knjigu. U ovom razgovoru ipak nismo pričali o eventima i YouTubeu nego najviše o tome što prodajni mindset, s malim "p" zapravo jeste. Gdje se nalazi razlika između dobrih i lošijih prodavača i kako razmišljati o prodaji. Druga velika tema je bila knjiga - Vedran ju je napisao relativno lako - saznajte kako - i po svemu sudeći jedna je od boljih na ovu temu na ovim prostorima. Imamo i jednu novost - tijekom epizode smo rekli neka pitanja i upute za vas dragi slušatelji, putem kojih možete doći do svoje kopije Vedranove knjige! Želite li da napredujemo u stvaranju ovakvog sadržaja? Onda podržite Surove Strasti na Patreonu, to je platforma gdje možete odrediti da se Surovim Strastima svaki mjesec automatski pošalje neki iznos, na primjer 15-tak eura. To nije veliki iznos - manje od jednog izlaska s par prijatelja, a nama puno znači da ostvarimo kvalitetniju produkciju. PREPORUKE ZA LAKŠE I UGODNIJE SLUŠANJE PODCASTA Tri načina kako slušati podcast Kako slušati podcast u autu koji nema Mp3 player Top lista najslušanijih epizoda Za lektire Surovih Strasti, edukacijske sadržaje i za potporu onom što radimo, posjetite našu platformu Surove Strasti Academy.
The SaaS Podcast - SaaS, Startups, Growth Hacking & Entrepreneurship
Vedran Rasic is the co-founder and CEO of LeadDelta, a product that helps you build better relationships with your LinkedIn connections. Show Notes: • https://saasclub.io/322 Join Our Email List • Get weekly SaaS learnings, new podcast episodes, and actionable insights right in your inbox: https://saasclub.io/email/ Join Our Community for Free • SaaS Club is the community for early-stage SaaS founders and entrepreneurs: https://saasclub.co/join
In 2016 Vedran created the play-to-earn game, Etherization. In this episode he talks about the upgrades to the Etherization website, and how it differs from the original website design. In addition he also explains the rediscovery of the project and pushing it out to people. Regarding recent turmoil, he talks about the community's vote to burn private keys. |Etherization| Website Twitter|Timestamps|0:00 - Introductions 5:03 - Etherization Website Design 9:00 - 2016 Transfers 11:08 - Process of Rediscovery 14:21 - Mechanics of Old Website 18:35 - L2 Rebellion 23:25 - Turmoil about Private Keys 32:50 - Wrapping 36:30 - Themes of Quadrants 42:07 - Encouraging Player Participation|JakeGallen|InstagramTwitterFacebookLinkedin|LISTEN and SUBSCRIBE to the platform of your choice|-Apple Podcasts-Spotify-Google Podcasts-Amazon Podcasts-Youtube (VIDEO RECORDING)
I've been looking forward to chatting with Ved for such a long time. He's developed one of my favorite SAAS tools as of late, which is Lead Delta, a CRM for LinkedIn. Despite being on it for 15 years, I've only recently started really digging into it. Our conversation is equal parts insightful and juvenile. We talk entirely too long about Arnold Schwarzenegger, and not long enough about why Ved is so scared of hosting a new podcast with me. Enjoy!
Vedran Zubić, omiljeni profa sarajevske Gimnazije Dobrinja, gost je nvog izdanja N1 podcasta Jedan sat.Za njega je razrednik mnogo više od profesora, a učenici njegova djeca. Kako im razvija kritičko razmišljanje, uči kroz primjere iz života i aktuelnih dešavanja, priprema za trenutak kada će biti dovoljno odrasli da donose odluke govori nam ovaj profesor geografije koji je svojim stručnim pojašnjenjima pojava poput zemljotresa, te načinom na koji predaje, postao miljenik i šire javnosti.
What Makes Smith Fence Company a Good Neighbor...Smith Fence Company of Fort Myers is your solution for commercial and residential custom fences and gates in Southwest Florida. With over 35 years of knowledge and experience in the industry, we are a leading provider for commercial, industrial, and residential markets. No matter how small or large your project, our experts will work with you every step of the way to achieve your goal, with both form and function in mind. Customer satisfaction is our #1 priority! From planning and designing to finishing a high quality installation in a timely manner, you can depend on our team to do the job right.With Over 35 Years Experience, You Can Count on Us!To learn more about Smith Fence Company, go to: https://www.smithfencefm.com/Smith Fence Company(239) 900-9011Support the show
Vedran Zrilić - Vedri je osoba koju ćete teško naći Googlanjem, a nije ni na društvenim mrežama. Iako se bavi atraktivnim poslovima i projektima, medijska eksponiranost mu je za sada skromna. Tek kombiniranjem s riječi "Mazda" možete doći do šačice članaka koji daju samo uvod u njegovu dosta osebujnu ličnost i interese. Vedran je su-osnivač poduzeća Zoom Zoom Auto koje je specijalizirani za servis Mazda automobila, no ono po čemu se razlikuje od postojećih firmi je njegova strast za životom, automobilima i ženama. U ovom intervjuu smo dotakli tek manji dio njegovih interesa, no svakako vam preporučamo da poslušate kako je to imati kolekciju više od 100 Mazda automobila crvene i bijele boje (inspirirano šahovnicom), kakvu strast je potrebno imati za brigu o kolekciji, za uspostavljanje novog muzeja automobila specijaliziranog za Mazdu, te dokle sve ide njegova strast za japanskom kulturom općenito. Za ilustraciju, Vedran je osoba iza obilježavanja stogodišnjice (i idućih godišnjica) Mazde u Hrvatskoj, njegovi automobili su česti gosti kad se priča o vintage vozilima i povijesti, a ne skriva ni da mu je po stilu i šarmu drago uspoređivati se s agentom 007. Želite li da napredujemo u stvaranju ovakvog sadržaja? Onda podržite Surove Strasti na Patreonu, to je platforma gdje možete odrediti da se Surovim Strastima svaki mjesec automatski pošalje neki iznos, na primjer 15-tak eura. To nije veliki iznos - manje od jednog izlaska s par prijatelja, a nama puno znači da ostvarimo kvalitetniju produkciju. PREPORUKE ZA LAKŠE I UGODNIJE SLUŠANJE PODCASTA Tri načina kako slušati podcast Kako slušati podcast u autu koji nema Mp3 player Top lista najslušanijih epizoda Za lektire Surovih Strasti, edukacijske sadržaje i za potporu onom što radimo, posjetite našu platformu Surove Strasti Academy.
Summary In this episode of Product Stories, Victor Purolnik talks to Vedran Cindrić, Founder of Treblle. If you've ever wanted to integrate with another software, had to use an existing integration, built various frontends, or use microservices, then you have or will deal with application programming interfaces (APIs). Episode Highlights/Topics: API Definition: Mechanism that transfers […]
Vedran Cindrić grew up in a small town, in rural Croatia. As far back as he can remember, he has been tinkering with computers - messing around with DOS, and of course, gaming. From the very early days, computers became his passion. When he finishing college, he started his own successful design agency before building his current venture. He likes to watch movies and TV shows, and loves to barbecue. I learned that in Croatia they don't smoke meat as much as we do in the states, and stick mainly to pork over beef. One thing I loved that Vedran said was "the best way to eat a salad is when you are having barbecue - otherwise, you wouldn't eat a salad".When business was booming, Vedran and his team built a tool to help them keep track of all the API's they were supporting. After putting it down several times, they finally figured out how to scale it properly and decided to finish building it... and share it with the world.This is the creation story ofTreblle.SponsorsImmediateOrbitPostmarkStytchVerb DataWebapp.ioLinksWebsite: https://treblle.com/LinkedIn: https://www.linkedin.com/in/vedrancindricSupport this podcast at — https://redcircle.com/code-story/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Vedran Cindrić
Vedran Cindric is the founder of Treblle and a long-time full-stack developer. Before Treblle he used to run a development company with clients worldwide and more than 100 projects complete. He knows PHP/MYSQL/Laravel as well as HTML/CSS/JS. Feel free to connect with him on LinkedIn here; https://www.linkedin.com/in/vedrancindric Learn more about his business here; https://treblle.com https://www.crunchbase.com/organization/treblle
Vedran je u ovoj epizodi želeo da pomogne mladima koji su na početku i žele da svoje ideje pretoče u startup. Ceo proces smo maksimalno ogoleli i pojednostavili, te sveli na osnovne korake: Kako validirati ideju, lansirati i razvijati startup sa akcentom na digitalne proizvode, odnosno na Saas industriju. Na početku smo pričali kako doći do ideje - nađite problem koji treba rešavati, tražite inspiraciju na tržištu. Pričali smo koliko je bitno krenuti sa nekim osnovim pretpostavkama, ali da je esencijalno da imate neku viziju. Ključna stvar je lansirati proizvod, a kasnije raditi na pozicioniranju proizvoda i plasiranju. Prešli smo ceo put od validiranja ideje i proizvoda, lansiranja proizvoda, rasta do zajednice. Jedan razgovor gde vam je pasionirani preduzetnik dao na dlanu svoje višegodišnje iskustvo i savete koji vam mogu pomoći da izbegnete najčešće neuspehe na počecima. Vedran Rašić, CEO @ LeadDelta - https://www.linkedin.com/in/vedranrasic/ Teme u podkastu: - Uvod i predstavljanje - Venov dijagram: proizvod, korisnik, strategije rasta - Problem koji se isplati rešavati - Značaj tima - Lansiranje proizvoda: ključna stvar na početku - Da li uzeti investiciju na početku? - Lansiranje i validacija proizvoda - Kako organizovati ‘'proizvodnju''? - Rast i razvoj - Zajednica - Domaći zadatak za pratioce Prijavite se na naš YouTube kanal: https://bit.ly/3uWtLES Posetite naš sajt i prijavite se na našu mailing listu - https://www.digitalk.rs Pratite DigiTalk.rs na društvenim mrežama: Facebook: https://www.facebook.com/Digitalk.rs Instagram: https://www.instagram.com/digitalk.rs/ Linkedin: https://www.linkedin.com/company/digitalkrs Veliku zahvalnost dugujemo kompanijama koje su prepoznale kvalitet onoga što radimo i odlučile da nas podrže i daju nam vetar u leđa: 1. Pokrovitelj podkasta: OTP banka - https://www.otpbanka.rs/ Protekle 3 godine e-trgovina je zabeležila značajan porast od 80 odsto svake godine, a broj transakcija na internetu dostigao je rast od 103% u 2020. u odnosu na prethodnu godinu. Prateći trendove savremenog poslovanja, OTP banka ima u ponudi e-commerce uslugu – mogućnost prihvatanja platnih kartica na web sajtu klijenta. E-commerce omogućava online prodaju proizvoda i usluga kroz prihvatanje uplata platnim karticama na sajtu korisnika, a usluga je automatizovana i dostupna 24 časa dnevno za kupce iz celog sveta. Više o ovoj usluzi možete saznati na linku: https://www.otpbanka.rs/e-commerce-funkcionalnosti/ 2. Partner podkasta: kompanija Mastercard - https://www.mastercard.rs/sr-rs.html 3. Prijatelj podkasta: kompanija Idea - https://online.idea.rs/ U Ideinoj online prodavnici unesite promo kod digitalk500 i očekuje vas 500 dinara popusta prilikom vaše online kupovine! I u ovoj epizodi podelićemo dve knjige ''Strategija plavi okean'' izdavačke kuće Finesa (https://www.finesa.edu.rs/) onima koji budu najbrži i najkreativniji sa komentarima, a možete nam slobodno pisati i na info@digitalk.rs i direktno nam uputiti komentar, sugestiju ili primedbu. Takođe, svi oni koji na Finesinom websajtu poruče knjige i unesu promo kod digitalk dobiće 10% popusta na već snižene cene izdanja na sajtu.
Hey all! My good friend, and ex-colleague, Vedran Rasic joined me for a session in which we gave you answers to one of the most asked questions - how can you better manage your LinkedIn connections. Vedran is a CEO & Co-Founder of LeadDelta, a LinkedIn connections manager built for Entrepreneurs and Creators, CEO, Co-founder of Autoklose (Acquired by Vanilla Soft), and Angel Investor. We got deeper into the way you can obtain a 10,000-foot view of your professional network, in other words, we talked about the existing problems and gave you the solution to organize your business contact book the way you want, with no ads, no distractions. We showed you how you can unlock data, tags, notes, filters, send personalized messages at scale, and more. The goal was to give you a way to inform better decision-making and strengthen your brand while connecting to people that matter to you. We believe that LinkedIn is one of the most important social networks for advancing your career and business, so Vedran had a surprise for all of you. What do you need to do? 1. Visit this URL where you can make a purchase: https://leaddelta.com/lifetime/ 2. Use your unique CODE: WPLTD4JFM 3. TIME: The code will expire on Thursday, October 14th - 23:59 Eastern Standard Time. After, there will be a different price. NOTE: This CODE is only working on the website (the link above leaddelta.com/lifetime). It won't work inside the product. You have to purchase on the website and then apply the auto-generated code after successful payment inside the app.
U prijatnom ambijentu novosadskog kafića "DIEGO" ugodno smo razgovarali sa Vedranom Ferizovićem, prvim od jednakih u bendu JAL (Josip A Lisac). O čemu smo pričali počujte na našem podkastu...
Vedran Rašić je preduzetnik koji se bavi pravljenjem i ostvarivanjem strategija koje pomažu timovima i firmama da dostignu svoje maximalne ciljeve i izađu na tržište sa vrhunskim proizvodom. Jedan je od osnivača timova Autoklose i...
Another weekend of Premier League shenanigans filled with banter and, of course, some good ol' cracking games. The Merseyside Derby was as wild as we hoped, Tottenham and Chelsea suffer disappointing stalemates, as Aston Villa look unstoppable. Daniel, Vedran, JJ, and Marcus are here to save the day with all the reaction to a whole weekend of madness.
Building a successfully marketing engine is key to scaling any company. People tend to only think paid marketing is the key to generating traffic to your product. Products are built for channels and if you don't do this in the right way then you become to reliant on paid marketing channels, which are increasing getting more and more expensive. That is why it is becoming more and more important to find a channel that is cost effective for you to have proper unit economics as you scale your business. In this episode you will learn from Vedran Rasic the CMO of AutokloseHow you find the right marketing channels early on to scale How to build up your content strategy in a really fast way How to build a remote first company
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