Payback Time

Payback Time

By Sean TepperBusiness
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Payback Time episodes

  • S02E59 - Natalie Doyle Oldfield - Trust: The secret sauce to separating yourself from the competition

    There are a lot of ways businesses try to separate themselves from the competition including price, product features, and service offerings. The often overlooked, and easiest way to truly separate yourself from the competition is to increase trust. The big question is, how do you do that if you're a business leader? And if you’re an investor, what should you look for? In this episode we dive into trust and why it is the secret sauce that can separate you from the competition. Please welcome Natalie Doyle Oldfield.

    Key Timecodes

    • (00:47) - Background history
    • (04:13) - Understanding her business model and philosophy
    • (06:22) - Why should businesses place a high emphasis on building trust?
    • (08:02) - Some examples of practical ways that businesses can increase trust
    • (09:35) - How can entrepreneurs build trust?
    • (11:07) - The importance of listening with empathy to be trustworthy
    • (17:24) - How long does it take to open or close the door of trust with body language?
    • (19:28) - The importance of reliable communication and body language for managers and leaders
    • (22:35) - How can companies use customer trust to build long-term relationships?
    • (28:00) - Deeper into her career path and philosophy
    • (29:49) - The importance of an empathetic and customer-focused culture for companies to be more trustworthy
    • (34:08) - Why it's important to be humble and open to customer feedback to build trust
    • (37:18) - Being consistent, predictable, and reliable is building trust
    • (39:03) - How does she measure trust?
    • (41:46) - Commercial break 2
    • (42:27) - Understanding her business model: How long can a client get results from an assessment
    • (43:32) - The process of building a culture of trust in an organization
    • (48:42) - The worst business or investment advice she ever received
    • (50:23) - The best business or investment advice she ever received
    • (52:18) - Guest contacts
    • Payback Time Podcast

      Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

      55 min
    • S02E58 - Robert Persichitte - How to identify scams like FTX

      We all want to make sure we don’t lose money with investing, especially with scams. The question is, how do you identify scams early, so you can run in the other direction? My next guest is a fraud specialist who has been on the show before and in this episode, we dive into the FTX scam to understand what really happened. Please note, the recording of this episode was on 12/14, while Sam Bankman-Fried was in court. My guest was careful not to classify this scam as a fraud on this episode for legal reasons but as of 12/15, it was confirmed that Bankman-Fried was charged with multiple crimes including conspiracy, fraud, money laundering, and campaign finance violations. This is a fascinating episode and I hope you enjoy it. Please welcome Robert Persichitte.


      Key Timecodes

      • (01:08) - Show intro, quick background history, and his perspective on the FTX situation
      • (03:35) - Understanding what technically is a fraud, a rip-off, or just a bad deal
      • (13:35) - The problem of lack of control in FTX
      • (18:28) - Technically, how can it be proved that some situation is fraud
      • (22:24) - The danger of public figures linking their images to dubious businesses
      • (24:29) - How can we protect ourselves from such pitfalls?
      • (28:06) - Opportunity, pressure, and rationalization as the main triggers identified in those who commit fraud
      • (36:58) - Deeper into the context and how to respond to help victims of scams and fraud
      • (2:49) - The importance of an empathetic and customer-focused culture for companies to be more trustworthy
      • (44:15) - Why we need to have compassion for victims of fraud
      • (47:53) - Guest contacts

      • Payback Time Podcast

        Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

        50 min
      • S02E57 - Tim Martin - Transitioning from Mutual Funds to Individual Stocks

        Are you interested in managing your own investments, but don’t know where to start? My next guest was in the same situation. He was told to “trust the professionals” for most of his life until he realized his returns we lower than the market average. He tried to learn how to invest in the stock market, but there really wasn’t anything out there that clearly organized investing step by step until he found Tykr. In this episode, we talk about his career background and his journey to taking control of his own investments. Please welcome Tim Martin.

        Key Timecodes
        • (00:51) - Background history
        • (05:54) - His media and video background
        • (09:48) - Adobe and the evolution of that business model
        • (11:59) - Understanding his investing background history
        • (16:32) - The relationship with financial advisors and wealth managers
        • (19:59) - When he started to manage his own investments
        • (26:35) - How TYKR helped him to have confidence in managing his investments on his own
        • (29:42) - The importance of being transparent and objective to help people to manage their investments
        • (32:06) - Education is the key factor to empowering the TYKR users
        • (34:06) - The crypto and tech bubbles as risks
        • (36:08) - Where to find reliable information and good publications about finance and investments
        • (45:14) - The worst business or investment advice he ever received
        • (45:41) - The best business or investment advice he ever received
        • (49:12) - Guest contacts
        • Payback Time Podcast

          Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

          51 min
        • S02E56 - Brian McAboy - Do you want to replace your day job and become a trader?

          Do you want to replace your day job and become a trader? My next guest is a mechanical engineer and quality assurance professional by trade who became a full-time trader in the 2000s. In this episode, he talks about the risks and rewards, his average returns, expectations on how long it takes to learn his strategy and systems, and how many hours of work this requires per week. Please welcome Brian McAboy.

          Key Timecodes

          • 00:46) - Background history
          • (02:16) - When he first started investing in the stock market
          • (04:39) - When he changed his investing strategy
          • (06:11) - His investing background history in the early 2000s
          • (07:12) - His strategy and business model today?
          • (08:37) - His future trading business model
          • (10:04) - How long does he usually hold before selling?
          • (18:27) - What is his win-to-loss ratio?
          • (23:13) - What are his annual returns?
          • (25:54) - What type of skills makes a good trader?
          • (28:58) - How to learn the systems and strategies that he uses
          • (30:25) - How long is the period to learn the systems and use real money on them?
          • (31:17) - The risks of the internet gurus and their instant miracles
          • (32:45) - How many hours per week does he work trading commodities?
          • (33:42) - Deeper into his website and educational platform
          • (36:20) - Is it possible to face trading as a job replacement?
          • (39:48) - The worst business or investment advice he ever received
          • (40:23) - The best business or investment advice he ever received
          • (42:46) - Guest contacts
          • Payback Time Podcast

            Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.


            45 min
          • S2E55 - Neil Timmins - Residential vs Commercial Real Estate. Which is best?

            Neil Timmins - Residential vs Commercial Real Estate. Which is best?

            In this episode, my next guest shares his story on how he made the transition from residential to commercial real estate. We talk about the pros and cons of both, the best types of tenants, and how retail investors can generate recurring cash flow. Please welcome Neil Timmins.

            Key Timecodes

            • (00:48) - Background history
            • (01:32) - His transition from residential to commercial real estate
            • (03:44) - The length of leases for commercial and industrial tenants
            • (04:14) - What kind of clients is he currently focused on?
            • (05:30) - How does he get funding to run his business model?
            • (06:19) - How does he determine what is a good or bad location to invest in?
            • (07:42) - What type of business does he target when determining who will be a good tenant?
            • (11:08) - What was the longest period he had a vacant building on the market?
            • (12:05) - Which business model does he prefer: single-tenant or multi-tenant buildings?
            • (12:59) - The maintenance obligations in the commercial and industrial real estate business model
            • (14:20) - The differences between that model and the individual residential tenant real estate
            • (14:44) - Does he work with restaurants as clients?
            • (17:34) - Understanding the mobile home park model
            • (21:17) - How retail investors can generate recurring cash flow with this business model
            • (24:00) - His biggest mistake or big win on his journey
            • (27:04) - The worst business or investment advice he ever received
            • (28:20) - The best business or investment advice he ever received
            • (29:04) - Guest contacts
            • Payback Time Podcast

              Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

              31 min
            • S02E54 - Marc Del Priore - What is the best pricing model to build or invest in?
              Marc Del Priore - What is the best pricing model to build or invest in?

              When building or investing in a business, what type of pricing model should you look for? My next guest has a company that is #865 on the Inc 5000 Fastest Growing Companies in America in 2022. What's even more impressive is there are only three employees in the company. In this episode, we talk about his business model, how he automates sales, and how he charges his customer. If you’re an entrepreneur looking to build a company or an investor looking for the right type of business model to invest in, this episode will give you some key takeaways. Please welcome Marc Del Priore.

              Key Timecodes
              • (01:08) - The background story
              • (02:14) - Understanding his company's business model
              • (03:20) - Deeper into his business model and clients
              • (05:27) - The instant leads selling to the corporate clients
              • (06:52) - How does he charge the corporate customers for these leads?
              • (07:47) - How long has the company been operating and with how many employees
              • (08:19) - How his company became the #865 on the Inc 5000 Fastest Growing Companies in America in 2022
              • (09:16) - What do the three employees do in the company's routine?
              • (10:08) - Understanding the company growth curve and strategies
              • (11:37) - Does he work with any other business in parallel, or this is a full-time gig?
              • (12:04) - How many hours does he work per week?
              • (14:50) - Understanding the acceleration stage of his business
              • (16:09) - Are the prospected clients primarily B2C?
              • (16:21) - Understanding the automated ways of that business model to bring in the clients
              • (16:55) - What software or system did he uses to automate that leads?
              • (18:39) - Did he hire an agency to help with copywriting and similar processes?
              • (19:08) - With this automated lead generation business model, how does he drive customer relationship building?
              • (20:16) - How can his clients control the leads ticket under that business model
              • (22:32) - How about the numbers: what are his revenues?
              • (23:32) - Any key takeaways about what is not working?
              • (24:54) - How does he prospect the bigger corporate clients?
              • (26:13) - A quick story about his biggest mistake or big win on his journey
              • (26:24) - Summarizing the impressions about his business model
              • (30:06) - The worst and best business or investment advice he ever received
              • (31:32) - Guest contacts
              • Payback Time Podcast

                Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

                34 min
              • S02E53 - Ivan Zhang - From High-Risk to Low-Risk Investing

                Ivan Zhang

                Options, Forex, Stocks, Crypto, and Startups. This episode covers it all. My next guest was a professional portfolio manager for most of his career before starting a blockchain company and an investing platform that helps investors earn consistent returns ranging between 4% and 6% per year. In this episode, we talk about his background, biggest losses, biggest gains, and how he’s building a company that allows investors to earn returns with crypto safely. Please welcome Ivan Zhang.

                Key Timecodes

                • (01:03) - Show intro and background history
                • (02:34) - When did he personally start to invest in the stock market?
                • (03:42) - His investing strategy and challenges
                • (05:23) - When did he transition to more safe strategies?
                • (07:46) - What does he look for when investing in individual stocks?
                • (10:21) - A quick 4M analysis of his preferred factors looking for individual businesses
                • (12:17) - Deeper into his strategy using options to create residual streams
                • (14:22) - How many stocks does he currently hold in his portfolio?
                • (15:56) - When was his last investment?
                • (17:10) - What percentage of his income does he invest in the stock market?
                • (17:42) - Deeper into his returns in the last years
                • (20:35) - What is his biggest investing mistake?
                • (22:18) - What is his biggest investing win?
                • (25:22) - Understanding his company's business model
                • (29:08) - How does the mobile app work?
                • (29:25) - Any restriction only to accredited investors in the US?
                • (30:20) - What are the individual assets behind the scenes?
                • (31:15) - Is there any algorithm running the platform?
                • (31:39) - What is the minimum investment amount to get in?
                • (32:13) - What are the returns on that platform model?
                • (32:59) - How long has the platform been around?
                • (33:23) - How big is his team?
                • (33:27) - And how is the business funded?
                • (33:43) - How does the platform generate revenue for the company?
                • (38:23) - The worst business or investment advice he ever received
                • (39:42) - The best business or investment advice he ever received
                • (38:34) - How long did he validate his ideas before starting a project?
                • (41:02) - Guest contacts
                • Payback Time Podcast

                  Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

                  43 min
                • S2E52 - Which is the best investment? AMZN, META, CSCO, or PYPL?
                  Which is the best investment? AMZN, META, CSCO, or PYPL?

                  In this episode, Ryan Sterling returns to talk about the status of the market and we discuss which of the 4 stocks is the best investment today. AMZN, META, CSCO, or PYPL? Let’s do this!

                  Key Timecodes
                  • (01:03) - Market thoughts
                  • (17: 51) - Paypal stock review
                  • (25:36) - Amazon stock review
                  • (31:10) - Meta stock review
                  • (33:53) - Cisco stock review
                  • (30:20) - Conclusion and ranking
                  • (44:29) - Guest contacts
                  • Payback Time Podcast

                    Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

                    47 min
                  • S2E51 | Chandler Walker - Big wins, fast failures, and managing emotions

                    Chandler Walker 

                    How would you feel if you invested in Etherium at $20 and watched it go to $1,000? Investments like this are not easily repeatable but there are ways to see trends in the market, that can allow you to earn consistent returns. In this episode, my next guest breaks down his passive income streams, how he generates consistent returns in the market, and how he manages emotions. Please welcome Chandler Walker.

                    Key Time Codes

                    • (00:59) - Background history
                    • (03:41) - His business model
                    • (05:08) - Is this a membership-type model?
                    • (05:43) - When did he decide to move to an online-focused model?
                    • (06:28) - What's the revenue when selling the physical business?
                    • (07:22) - Deeper into his SAAS model
                    • (08:40) - The mobile software
                    • (11:34) - Is his team outsourced or employees?
                    • (12:35) - Understanding his educational platform
                    • (14:51) - Deeper into his philosophy
                    • (17:08) - Is he investing today in individual stocks or ETFs?
                    • (18:37) - Stocks he holds
                    • (21:22) - What percentage of his income he invests in the stock market?
                    • (22:19) - How did he manage his emotions in business and investing?
                    • (24:40) - Big win in his investment journey
                    • (25:59) - Big loss at his investment journey
                    • (28:37) - The model of his financial educational network
                    • (31:29) - The worst business or investment advice he ever received
                    • (32:58) - The best business or investment advice he ever received
                    • (38:34) - How long did he validate his ideas before starting a project?
                    • (35:55) - Guest contacts
                    • 38 min
                    • S2E50 - Logan Leckie - Selling a portfolio to bet on himself
                      Logan Leckie

                      Should you diversify or go all-in on one investment? My next guest has a passion for FIRE (Financial Independence Retire Early) and decided to create an app that show’s others how they can also achieve financial independence. In this episode, we talk about his investing journey, the pros and cons of going all-in on one thing, and how he plans to see a big return on his investment. Please welcome Logan Leckie.

                      Key Timecodes

                      • (00:59) - Background history
                      • (02:44) - When did he get started in the world of stocks?
                      • (04:07) - The specific stocks that he still holds today
                      • (05:13) - When did he decide to change his investing strategy?
                      • (07:06) - What he looks for when investing in ETFs
                      • (08:54) - His ETFs strategies
                      • (13:21) - The importance of creating passive income
                      • (15:36) - His businesses before the Topia app
                      • (13:29) - The Topia app and business model
                      • (27:07) - A  look into the Topia app and his business model
                      • (30:38) - How many users does the platform have now?
                      • (31:03) - His marketing strategies
                      • (32:13) - How big is the Topia team at the moment?
                      • (33:28) - Does the company have partners or investors?
                      • (36:53) - The worst business or investment advice he ever received
                      • (37:23) - The best business or investment advice he ever received
                      • (38:34) - How long did he validate his ideas before starting a project?
                      • (43:41) - Guest contacts
                      • Payback Time Podcast

                        Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.

                        46 min

                      About Payback Time

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                      Introducing Payback Time, the podcast for entrepreneurs looking to build and scale their startups. Gain access to actionable tips, proven strategies, and valuable data that can help you avoid…