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Join us on Average Joe Finances as our guest Rizwan Memon, an equities and derivatives trader with 18 years of experience. Rizwan shares his journey from starting trading at 16 years old with $5,000 to becoming a seasoned trader specializing in U.S. financial markets. He discusses his strategies, including the use of complex options and shorting techniques, and offers advice to new investors. Rizwan also emphasizes the importance of transparency, diversifying investments, and maintaining a balanced approach to money and life.  In this episode: Discover how starting early—even with limited knowledge—can build the foundation for long-term trading wisdom.Learn why Riz pulls profits from trading to diversify into real estate, protecting himself from market swings.Understand how technology has leveled the playing field, giving everyday traders access to tools once reserved for pros.Take in Riz’s biggest lesson: financial success isn’t just about returns—it’s about ethics, balance, and building a life free from debt and pressure.And so much more! Key Moments: 00:41 Meet Rizwan Mein: The Equities and Derivatives Trader 01:19 Rizwan's Trading Journey: From 16 to Now 04:21 Navigating the 2008 Financial Crisis 06:49 Evolution of Trading Technology 09:37 Rizwan's Advanced Trading Strategies 15:51 Educating New Traders 19:29 Podcast Break and Sponsor Shoutout 22:44 Transparency in Trading 23:49 Challenges in the Trading Industry 24:31 Personal Financial Strategies 25:56 Leveraging Debt vs. Buying Outright 30:08 Final Round: Personal Insights 38:44 Connecting with Riz 40:23 Closing Thoughts Find Rizwan Memon Website: https://rizinternational.com/ Instagram: https://www.instagram.com/rizinternational/ Youtube: https://www.youtube.com/@RizInternational X: https://x.com/rizmemontrades Threads: https://www.threads.com/@rizinternational Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Tim Townsend, a wealth management expert from Australia, shares his journey from growing up on a lighthouse to running a successful wealth management practice in Melbourne, managing assets worth $400-$500 million. The discussion covers the importance of financial literacy, understanding market volatility, and disciplined investing. Tim emphasizes the need for a sound financial plan, the significance of understanding inflation and real returns, and the value of investing in a diverse range of high-quality assets.  In this episode: Take away how discipline—not intelligence—is the real key to long-term investing success.Recognize that financial independence isn’t about retirement—it’s about choice and control.Gain clarity on why diversification and consistency outperform risky, one-off bets.Absorb the value of mastering emotions and inflation awareness to protect your wealth.And so much more! Key Moments: 00:41 Meet Tim Townsend: From Lighthouse to Wealth Management 01:22 Growing Up on a Remote Island 03:20 The Journey to Financial Planning 05:53 Investment Strategies and Emotional Discipline 12:38 The Importance of Financial Literacy 14:19 Educating Clients on Volatility 21:38 Real Estate and Diversification 24:39 Understanding Inflation and Investment Returns 25:12 Buzzsprout and Podcast Promotion 25:49 Edit Pods: Elevate Your Podcast 26:28 Historical Interest Rates and Inflation 29:13 Financial Planning: Steps to Take 37:10 The Final Round: Personal Insights 39:50 The Importance of Regular Savings 46:02 Where to Find More Information Find Tim Townsend Website: https://www.timtownsend.com.au/ LinkedIn: https://www.linkedin.com/in/tim-townsend-3114103b/ Youtube: https://www.youtube.com/@TownsendCobain Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Tracey Lundell, a wealth advisor, shares her unconventional journey from aspiring diplomat to financial industry expert. Calling in from Canada, Tracy offers insights into her varied career, the importance of diversified income streams, and the necessity of taking that first step toward financial literacy. She emphasizes creating customized financial plans based on individual values and the significance of actionable steps in achieving long-term financial goals. Tracy also provides tips on navigating the complexities of investing and the importance of building a supportive team of advisors, mentors, and resources. In this episode: Pick up how financial flexibility can empower you to adapt and thrive through life’s unexpected turns.See why diversifying both your investments and income streams is key to long-term freedom.Realize that financial planning isn’t rigid—it’s a living strategy built around your values and goals.Take note that the hardest step in wealth-building is simply starting—progress begins with action.And so much more! Key Moments: Find Tracey Lundell Website: www.seaglasswealth.com Facebook: https://www.facebook.com/seaglasswealth/ LinkedIn: https://www.linkedin.com/in/traceylundell/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Tim Dwyer,shares his 20+ years of experience in business coaching, detailing his journey from a corporate career at Telstra to running his own business coaching company. He emphasizes the importance of passion, purpose, and capability in building a successful business and introduces his innovative 'Toly Map' system for business growth. Tim also discusses the impact of AI on business landscapes and the significance of aligning with one's true passion to navigate future changes. Through various anecdotes, he sheds light on why trusting instincts and fostering a growth-oriented and passionate team are crucial for long-term success. In this episode: Gain clarity on how aligning passion with strategy can turn a business into both a purpose and a profit engine.Uncover how Tim Dwyer’s Tmy Map offers a structured path to scale, sell, or sustain your business with intention.Recognize the power of building culture and leadership that evolves alongside your growing team.Take away timeless lessons on decision-making, self-awareness, and serving with joy in an ever-changing business world.And so much more! Key Moments: 00:41 Meet Tim Dwyer: From Corporate to Coaching 01:20 Tim's Business Journey and Coaching Philosophy 03:40 The Google Maps of Business Success 08:56 Inspiration vs. Opportunity in Business 11:15 The Importance of Passion and Capability 15:17 Building a Passionate Team 19:21 Success Story: Passion-Driven Growth 22:52 The Importance of Passion and Capability in Business 23:44 Building and Managing a Successful Team 28:27 The Role of Culture in Business Growth 29:48 Final Round: Personal Insights and Lessons Learned 33:57 Tips for Aspiring Entrepreneurs 35:34 Book Recommendations and Final Thoughts Find Tim Dwyer Website: https://www.timdwyer.net.au/ LinkedIn: https://www.linkedin.com/in/timdwyer11/?originalSubdomain=au Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Robby Kuster from Green Coffee Company, discusses the company's evolution from a small startup with three farms in Colombia to a major player in the coffee industry, known for its sustainable practices and vertical integration. Robby shares his personal journey from studying economics and teaching English in Colombia to growing Green Coffee Company and pursuing an MBA. Listeners will hear about the importance of sustainability in agriculture, the benefits of vertical integration, and plans for the company to IPO in the next few years. In this episode: Uncover how one career detour led Robby Kuster from teaching English to transforming Colombia’s coffee industry.Gain insight into how vertical integration drives both sustainability and profitability in agriculture.Explore why recession-resistant sectors like coffee can offer stable, long-term investment potential.See how innovation and impact can align through Green Coffee Company’s mission to modernize farming and empower communities.And so much more!Key Moments: 00:50 Meet Robby Kuster 01:43 Robbie's Journey with Green Coffee Company 05:08 Green Coffee Company's Growth and Sustainability 08:05 Vertical Integration and Market Expansion 12:17 Investment and Future Prospects 21:36 The Importance of Coffee 22:15 Lessons from the Wine Industry 24:12 Generational Shifts in Agriculture 27:18 Green Coffee Company's Future Plans 32:27 The Final Round: Personal Insights 40:23 Where to Find More Information Find Robby Kuster Website: https://www.greencoffeecompany.com/ Try GCC's Coffee Here: https://juanvaldezcafestore.com/ LinkedIn: https://www.linkedin.com/in/robby-kuster/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Dan Daly, who shares his remarkable journey from a janitorial union job to becoming a successful automotive dealership manager and later a real estate investor focusing on European markets. Dan talks about how he identified opportunities in the competitive real estate market by focusing on popular tourist destinations in Europe, particularly in Portugal, and leveraging lower interest rates. He also discusses launching a $50 million private equity fund aimed at providing investors with the opportunity to gain permanent residence in Portugal through the Golden Visa program. In this episode: Learn how strategic career pivots can open doors to high-potential opportunities in international real estate.Discover why Portugal’s Golden Visa program offers a powerful gateway to European residency and investment growth.Understand how patience, strong networks, and gut instincts can shape smarter investment decisions.Grasp the value of taking early action in emerging markets to build long-term wealth and stability.And so much more! Key Moments: 00:55 Guest Introduction: Dan Daly's Background 01:42 From Blue Collar Beginnings to Automotive Success 04:39 Transition to Real Estate and European Investments 10:12 Navigating the European Real Estate Market 19:42 Golden Visa and Future Plans 24:26 Finding Passion in Real Estate 24:59 Building a Strong Network 25:24 Golden Visa Fund Insights 26:26 Lessons from the Automotive Industry 27:51 Making Smart Decisions 30:08 Final Round: Personal Reflections 33:34 Tips for Newcomers 37:11 Favorite Resources and Final Thoughts Find Dan Daly Websites: https://globalipllc.com/ https://aimhighnow.com/ LinkedIn: https://www.linkedin.com/in/daniel-daly1/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Cliff Nonnenmacher, an experienced entrepreneur and franchise consultant, shares his entrepreneurial journey, which spans various industries from raking golf balls as a child to managing multiple franchise brands. Cliff shares insights on the importance of mindset, discipline, overcoming fear, and the benefits of franchising. They also explore key market trends and strategies for successful franchise investment. Cliff’s upcoming book, 'Beyond the Brand,' is highlighted, offering deeper dives into these topics. The episode is a wealth of practical advice for aspiring entrepreneurs and those interested in franchising. In this episode: Learn why franchising is a proven business model that reduces startup risks and boosts entrepreneurial success.Discover the top franchising opportunities in booming industries like pet care, senior services, and wellness.Understand how overcoming fear and analysis paralysis is key to starting and growing a successful franchise business.Grasp the wealth-building power of master franchising as a strategy to scale faster and achieve financial freedom.And so much more! Key Moments: 00:59 Guest Introduction: Cliff's Background 02:18 Cliff's Entrepreneurial Journey 04:08 Franchising Success and Insights 14:38 Cliff's Book: Beyond the Brand 15:58 The Future of Business and AI Disruption 17:33 Key Business Categories for the Future 23:34 The Importance of Mindset and Overcoming Fear 26:30 Appreciation and Impact 27:11 Franchisee Failures and Successes 30:28 The Role of Ego in Business 32:01 The Importance of Due Diligence 36:48 Overcoming Fear and Visualization 37:56 Final Round: Cliff's Insights 42:57 Cliff's Recommendations and Closing Thoughts Find Cliff Nonnenmacher Website: http://franocity.com/ LinkedIn: http://www.linkedin.com/in/cliffnonnenmacher Facebook: http://www.facebook.com/franocity X: http://x.com/franocity Youtube: https://www.youtube.com/@franocity Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Alex Filipuk shares about his journey from Belarus to becoming the founder of Ideal Siding, the largest siding franchise in the United States and Canada. Alex shares his experiences of moving across countries, starting his business from scratch in Vancouver, and scaling it to a successful franchise. They discuss the differences between typical franchises and high-ticket franchises, the importance of management and leadership for business owners, and the major challenges new franchisees face. Alex also provides valuable advice for aspiring franchise owners, including key questions to ask before starting a franchise and the importance of being prepared for change in a rapidly evolving market. In this episode: Learn how resilience and adaptability can turn global challenges into entrepreneurial opportunities.Discover why strategic market research is essential when choosing where to start and grow a business.Understand the keys to scaling through franchising, from operational systems to customer satisfaction.Grasp the importance of strong support networks and capable teams in driving franchise success.And so much more! Key Moments: 00:00 Introduction and Welcome 00:54 Guest Introduction: Alex's Journey 01:23 Building a Business from Scratch 04:43 Franchising and Expansion 20:26 Challenges and Phases of Growth 29:10 Final Round: Insights and Advice 37:05 Closing Thoughts and Farewell Find Alex Filipuk Website: https://idealsiding.com/ LinkedIn: https://www.linkedin.com/in/idealsiding/ Facebook: https://www.facebook.com/ideal.siding.franchising Instagram: https://www.instagram.com/ideal_siding/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Dr. Axel Meierhoefer shares his remarkable journey from serving in the German Air Force to becoming a successful real estate investor and mentor. He discusses his transition to the United States through an exchange program with the US Air Force, his stint in the corporate world, and his eventual dive into real estate investing. Key insights include his approach to buying out-of-state investment properties, the importance of due diligence, and the value of mentorship in real estate. In this episode: Learn how shifting from pilot to investor highlights the power of embracing new opportunities.Discover why treating real estate as a business is key to long-term financial success.Understand how cash flow–focused strategies help weather financial crises and market downturns.Grasp the value of mentorship, mindset, and turnkey solutions in building a resilient portfolio.And so much more! Key Moments: 00:00 Introduction and Welcome 00:56 Meet Dr. Axel Meierhoefer 01:38 Dr. Hofer's Journey from Germany to the US 05:11 Discovering Real Estate Investing 18:29 Navigating the 2008 Financial Crisis 24:26 The Importance of Due Diligence in Real Estate Investing 24:46 Challenges and Realizations in Early Investments 26:12 Investing Out of State: A Strategic Approach 28:06 Discovering Turnkey Real Estate Investing 30:44 The Ideal Investor Show and Its Impact 32:46 Final Round: Insights and Reflections 43:57 Final Thoughts and Closing Remarks Find Axel Meierhoefer Website: https://tinyurl.com/iwg-strategy LinkedIn: https://www.linkedin.com/in/ameierhoefer/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Kevin Steuer, a seasoned investor with a passion for technical analysis and modern AI. Kevin shares his journey from early investing influenced by his grandmother, through various investment strategies, to ultimately purchasing and revamping a technical analysis website, stockta.com. The discussion delves into Kevin's disciplined approach to trading, the importance of lifelong learning, and the pitfalls of emotional decision-making in the stock market. Kevin offers insights into the tools and resources available on his site, emphasizing the need for a solid framework and informed risk-taking in trading.  In this episode: Learn how data-driven tools like Stock TA empower everyday traders to compete with Wall Street.Discover why discipline and sticking to your process are key to long-term trading success.Understand the impact of AI and algorithms on modern equity markets and investor strategies.Grasp the value of community, education, and free resources in building confident, informed traders.And so much more! Key Moments: 00:12 Kevin Steuer’s Investing Journey 01:24 Building and Rebuilding the Site 04:20 Using the Site for Trading 04:32 The Reality of Trading Against Algorithms 07:59 Trend Scores and Confluence System 14:00 Advice for New Traders 20:26 The Turning Point: A Commitment to Financial Awareness 20:39 Trading to Pay Off Student Loans 21:00 The Risks of Trusting Financial Planners 21:57 Market Reactions and Human Psychology 22:57 The Importance of Staying Informed 23:12 Navigating Political Impacts on the Market 26:59 The Final Round: Insights and Lessons Learned 27:15 Biggest Financial Mistake and Lessons Learned 31:10 Tips for New Traders 33:50 Favorite Books and Final Thoughts 35:16 Where to Find More Information 38:25 Final Thoughts and Farewell Find Kevin Steuer Website: https://stockta.com/ Youtube: https://www.youtube.com/@StockTA LinkedIn: https://www.linkedin.com/in/kevin-steuer-b65aa433b/ Instagram: https://www.instagram.com/stocktacom/# Facebook: https://www.facebook.com/StockTAcom/ Discord: https://discord.com/invite/suMH9PJHWM Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Ben Reinberg, a seasoned commercial real estate investor with over 32 years of experience, shares the story of his career, discussing the various niches within commercial real estate, with a particular focus on medical office spaces. He talks about his new book, 'Hard Assets and Hard Money for Hard Times,' which serves as a guide to building a hard asset empire. Ben delves into the importance of hard assets in creating generational wealth, the benefits of AI in real estate, and the lessons learned from the 2008 financial crisis.  In this episode: Learn why hard assets like real estate and precious metals remain the cornerstone of lasting wealth.Discover how adaptability in shifting markets like moving from office to medical spaces drives long-term success.Understand the role of AI in streamlining real estate operations while keeping human relationships central.Grasp the lessons from the 2008 financial crisis to avoid over-leverage and safeguard your investments.And so much more!Key Moments: 00:59 Meet Ben Reinberg: Commercial Real Estate Expert 02:14 The Journey to Writing 'Hard Assets and Hard Money for Hard Times' 05:33 Why Commercial Real Estate? 09:42 The Impact of AI on Commercial Real Estate 15:01 The Importance of Relationships in Real Estate 16:48 Why Hard Assets Matter 19:34 The Challenges of Building an Empire 20:15 Affordable Financial Blueprint 20:46 Weathering Economic Storms 21:52 Conservative Investment Strategies 27:31 The Importance of a Good Team 28:08 Final Round: Lessons and Tips 31:37 Where to Find More Information 32:59 Final Thoughts and Farewell Find Ben Reinberg Website: https://www.benreinberg.com/ Youtube: https://www.youtube.com/channel/UCN-VuewtdVrFwlOrTsNbxGA LinkedIn: https://www.linkedin.com/in/benreinberg/ Instagram: https://www.instagram.com/therealbenreinberg/ Facebook: https://www.facebook.com/TheRealBenReinberg/ Tiktok: https://www.tiktok.com/@therealbenreinberg X: https://x.com/realbenreinberg Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Athena Brownson, a real estate professional who transitioned from a career as a professional skier, shares her incredible life story, starting from growing up in a ski-centric family in Breckenridge, Colorado, to becoming a professional skier, undergoing multiple injuries, and finally finding her calling in real estate. Athena discusses the importance of discipline, balance, listening to mentors, consistent daily activities, and intentional networking in achieving success. This episode offers valuable insights for anyone looking to excel in real estate or any entrepreneurial venture, emphasizing the role of mentorship, the art of listening, and the importance of self-care. In this episode: Learn how persistence and mentorship can transform setbacks into stepping stones.Discover why discipline, structure, and “brilliance on the basics” drive long-term success.Understand the power of intentional networking and building authentic relationships.Gain insight into embracing discomfort as a catalyst for growth and resilience.And so much more!Key Moments: 00:55 Meet Athena Brownson 01:36 Athena's Early Life and Skiing Career 03:02 Lessons from Skiing to Real Estate 04:28 Overcoming Injuries and the Value of Coaching 06:11 Transition to Real Estate 15:12 The Importance of Mentorship 19:37 Intentional Networking 26:54 Building an Authentic Daily Routine 27:47 Tracking and Evolving Your Greatness Tracker 28:13 Delegation and Understanding Strengths 29:05 The Importance of Basics and Discipline 31:32 Handling Unexpected Challenges 36:30 Maintaining Consistency in Real Estate 40:09 Final Round: Personal Insights and Advice 46:45 Closing Thoughts and Contact Information Find Athena Brownson Website: https://athenabrownsonrealtor.com/ LinkedIn: https://www.linkedin.com/in/athenabrownsonrealtor/ Instagram: https://www.instagram.com/athenabrownsonrealtor Facebook: https://www.facebook.com/AthenaBrownsonRealtor Zillow: https://www.zillow.com/profile/AthenaBrownson Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Colton Pace, shares his journey from growing up on a ranch in Dallas, Texas to founding Ownwell, a startup aimed at reducing home ownership costs. Colton discusses how Ownwell helps homeowners and real estate investors save on property taxes, insurance, and utility bills. He also delves into the company's unique contingency fee model, how local expertise is crucial for property tax appeals, and the importance of financial planning through detailed expense tracking. Colton shares insights from his experience working for a billionaire, highlighting the significance of analyzing each expense to maximize returns. In this episode: Learn how challenging property tax assessments and expenses can unlock hidden savings for homeowners.Discover why education and awareness are key to reducing real estate ownership costs.Understand how Ownwell leverages nationwide expertise to optimize property tax and utility savings.Gain insights from Colton Pace on using curiosity and direct communication to uncover financial opportunities.And so much more!Key Moments: 01:13 Meet Colton Pace: From Ranch Life to Real Estate 02:27 The Mission of Unwell: Reducing Real Estate Costs 03:27 Importance for Real Estate Investors 07:07 The Eye-Opening Moment: Property Tax Savings 11:20 Utility and Insurance Savings 13:09 Biggest Savings and Success Stories 15:47 Challenges and Benefits of Using Unwell 17:32 The Importance of Time Management for Real Estate Investors 18:18 Introducing the Unwell Team and Their Expertise 19:55 Geographical Reach and Market Operations 21:37 Financial Planning and Expense Management 24:14 Final Round: Colton's Insights and Advice 30:19 Connecting with Colton and Final Thoughts Find Colton Pace Website: https://www.ownwell.com/ LinkedIn: https://www.linkedin.com/in/coltonpace/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest George Otel, an immigrant and business owner who transitioned from owning a trucking company to founding US Business Funding, shares his journey from truck driving to real estate investing and focuses on the significance of building a strong team, understanding financing, and the opportunities in commercial real estate. He emphasizes the importance of preparation, patience, and leveraging relationships for success. George also offers insights on effective networking, the benefits of SBA loans, and provides advice for new entrepreneurs. In this episode: Discover how George Otel transitioned from trucking to thriving in commercial real estate and business financing.Learn why networking and building the right team of experts (CPAs, lawyers, financiers) is essential for growth.Understand the differences between residential and commercial real estate and why commercial offers higher returns with less competition.Explore smart financing strategies, including leveraging SBA loans to move from renting to owning.Take away hard-earned lessons on patience, planning, and the importance of hiring support early to scale faster.And so much more!Key Moments: 00:00 Introduction and Welcome 02:03 Meet George Otel: From Trucking to Real Estate 04:09 Diving into Commercial Real Estate 05:43 The Importance of a Strong Team 10:14 Financing Strategies for Business Owners 19:01 George's Real Estate Journey and Insights 21:50 The Importance of Networking in Real Estate 23:06 Building Trust and Relationships 24:09 The Necessity of Pre-Approval 25:10 The Role of Preparation and Reputation 28:51 The Value of Patience and Rational Decisions 31:01 Exploring Franchise Opportunities 32:14 Final Round: Lessons and Tips 39:50 Where to Find More Information 41:27 Conclusion and Farewell Find George Otel Website: www.usbizfunding.net Facebook: https://www.facebook.com/George.Otel LinkedIn: https://www.linkedin.com/in/georgeotel/ Instagram: https://www.instagram.com/georgeotel/ Twitter: https://twitter.com/george_otel Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show

Join us on Average Joe Finances as our guest Larry Kriesmer and Bernard Surovsky discuss their innovative approach to investment management. They delve into their investment strategy, which evolved from their experiences during market downturns in the late 1990s and 2008, leading to the creation of their trademark 'Synthetic Equity' and the launch of their ETF (SNTH). The discussion covers the technical aspects and advantages of using options and treasuries to manage risk while achieving high returns. The episode also features personal anecdotes, including their experience of ringing the bell at the New York Stock Exchange In this episode: Learn how Measured Risk Portfolios blend safe short-term treasuries with strategic options to balance protection and growth.Discover the concept of Synthetic Equity and how it replicates equity returns while cushioning against losses.Understand why mastering options can unlock powerful risk management and investment opportunities.Gain insights into building bold, informed strategies that challenge traditional investing norms.And so much more! Key Moments: 00:59 Meet Larry and Bernard 01:35 Growing Up in Different Worlds 03:41 Investment Philosophy and Early Experiences 06:13 The Measured Risk Portfolio Approach 08:12 Managing Market Volatility 21:40 Synthetic Equity Explained 25:06 Risk Aversion and Investment Strategies 26:41 Introduction to Synthetic Equity and ETF 26:58 Launching the ETF and Ringing the Bell 27:55 The Experience of Ringing the Bell 33:25 Final Round: Financial Mistakes and Lessons Learned 41:32 Final Thoughts and Advice for Investors Find Larry and Bernard Website: https://www.measuredriskportfolios.com/ Average Joe Finances® All of our social media links and more: https://averagejoefinances.com/links About Mike: https://mikecavaggioni.com Show Notes add-on continued here: https://averagejoefinances.com/show-notes/ *DISCLAIMER* https://averagejoefinances.com/disclaimer See our full episode transcripts here: https://podcast.averagejoefinances.com/episodes Send us Fan Mail Support the show