Sales POP! Podcasts: Insights from Top Experts in Sales, Marketing, Leadership & More.
Episodes
Navigating the Complexities of Change Management with John M. Fisher
18 Oct 2024
Contributed by Lukas
John Golden interviews change management expert John M. Fisher on managing resistance to organizational change. Fisher explains that while change is c...
Content Integrity in the Age of AI with Jon Gillham
15 Oct 2024
Contributed by Lukas
John Golden hosts a podcast with Jon Gillham, founder of Originality, to explore the challenges AI-generated content presents to businesses. They disc...
The Transformative Role of AI Agents in Business with Bobby Hakimi
13 Oct 2024
Contributed by Lukas
Bobby Hakimi, Chief Product Officer of Convoso, discusses the significant role of AI agents in contact centers on a podcast with John Golden. These AI...
Discover the Future of Leadership with Adrian Koehler
03 Oct 2024
Contributed by Lukas
John Golden chats with Adrian Koehler about the evolving nature of leadership. They explore practical ways leaders can embrace authenticity, open comm...
Unleashing the Power of Sales AI with Devin Johnson
03 Oct 2024
Contributed by Lukas
John Golden chats with Devin Johnson, creator of Sales AI, to explore how artificial intelligence is revolutionizing sales. Devin explains how Sales A...
Harnessing the Power of Personalized Videos in Business and Sales with Jason Zygadlo
02 Oct 2024
Contributed by Lukas
In this podcast episode, John Golden sits down with Jason Zygadlo, founder of "Build Your Own Brand," to explore how personalized videos can elevate b...
How to Grow a Business Without Social Media with Robyn Graham
02 Oct 2024
Contributed by Lukas
In this podcast episode, John Golden interviews Robyn Graham, a business coach and founder of Robyn Graham LLC, who shares her unique strategy for bui...
Why Buying an Existing Business Might Be Your Best Move! with Neil Greenbaum
01 Oct 2024
Contributed by Lukas
Sales POP! with John Golden Guest: Neil Greenbaum, Founder of Greenbaum Law Firm Are you considering buying a business? In this episode, Neil Greenbau...
Transforming Business Models for Sustainability with Andy Anirban Bhattacharyya
30 Sep 2024
Contributed by Lukas
In this podcast, John Golden interviews sustainability expert Andy Bhattacharyya on integrating sustainability into business models. Andy highlights h...
Inside Sales Challenges and Solutions with Glenn Sandifer
30 Sep 2024
Contributed by Lukas
In this episode, Glenn Sandifer discusses the evolving role of inside sales, emphasizing grit, adaptability, and the balance between tech and human co...
A Systems Approach to Breakthrough Innovation with Vanessa Thompson
27 Sep 2024
Contributed by Lukas
Join John Golden on Expert Insight Interview as he discusses sustainable innovation with Vanessa Thompson, an expert in the intersection of finance, s...
Sales Spotlight- B2B Sales Success Blueprint - Cara Armstrong
24 Sep 2024
Contributed by Lukas
Tune in as John Golden, Cara Armstrong, and Martha Meister dive into key strategies for boosting year-end sales. From quarterly audits to understandi...
Embracing Authenticity and Kindness with Rich Christiansen
18 Sep 2024
Contributed by Lukas
In this episode of the Expert Insight Interview, John Golden sits down with Rich Christiansen, thought leader and author of Blindsided. They explore t...
Unlocking Brain Fitness with Arnold Beekes
17 Sep 2024
Contributed by Lukas
In this podcast episode, John Golden was joined by Arnold Beekes, an expert in brain fitness and personal development. They explore how brain fitness—...
A Deep Dive into Effective Sales Leadership with Paul Morton
16 Sep 2024
Contributed by Lukas
In this insightful episode, John Golden sits down with Paul Morton, CEO of the Practical Leadership Academy, to discuss the key strategies for success...
Enhancing Leadership Skills: High-Performing Business Leaders with Lori Saitz
16 Sep 2024
Contributed by Lukas
In this episode, John Golden sits down with Lori Saitz, founder of the Zen Leadership Program, to explore the strategies that high-performing busines...
Top Business Ideas: Mastering Sales Leadership for Growth with Hamish Knox
16 Sep 2024
Contributed by Lukas
Discover the top challenges facing sales leaders today and expert strategies for overcoming them. Learn from Hamish Knox, a leading figure in sales le...
Improving Closing Ratios with the Three Pillars of Digital Marketing with Saul Marquez
29 Aug 2024
Contributed by Lukas
Join John Golden and Saul Marquez as they discuss how to effectively use owned, earned, and paid media to boost your sales and close more deals. Disco...
Navigating the Complexities of Procurement with Mike Lander
29 Aug 2024
Contributed by Lukas
Join John Golden as he interviews Mike Lander, who shares insights on how to view procurement as a strategic partner in the sales process. Learn how t...
Crafting a Prosperous Image: Authentic Branding with Lee Heyward
29 Aug 2024
Contributed by Lukas
In this episode, Lee Heyward discusses the importance of authenticity in branding. She offers practical advice on aligning your brand message, ensurin...
Unleashing the Power of AI in Marketing with Jim Matuga
28 Aug 2024
Contributed by Lukas
John Golden sits down with Jim Matuga, an award-winning marketer, to discuss Story Maker, a groundbreaking SaaS tool that uses AI to craft tailored ma...
The Importance of Relationships in Business with Blair LaCorte
28 Aug 2024
Contributed by Lukas
In this episode, host John Golden interviews Blair LaCorte, a seasoned business executive with experience at Lumos Technology and Vertical Networks. B...
How Can You Master Excellence in Your Daily Life? with Adeyinka Adegbenle
27 Aug 2024
Contributed by Lukas
In this insightful episode, John Golden interviews Adeyinka Adegbenle, known as Yinka, to explore the principles of excellence as outlined in her book...
Harnessing the Power of Thinking Differently with Jamie Waller
27 Aug 2024
Contributed by Lukas
Join John Golden on the latest episode of "Expert Insight Interview" as he speaks with Jamie Waller, a serial entrepreneur and author. Jamie shares hi...
Overcoming Fear and Anxiety with Daniel Packard
27 Aug 2024
Contributed by Lukas
In this episode of "Expert Inside," Daniel Packard, founder of Full Liberation Technology, discusses how he overcame personal challenges like anxiety ...
Embracing Authenticity in Business with Neil Emeigh
26 Aug 2024
Contributed by Lukas
In this Sales POP! episode, John Golden interviews Neil Emeigh, CEO of Rayobyte. Neil shares his journey of navigating the challenges of competing in ...
Mastering Persuasion: Insights on Effective Communication with Neil Gordon
20 Aug 2024
Contributed by Lukas
In this episode of "Sales POP! Online Sales Magazine," persuasion expert Neil Gordon shares his insights on mastering effective communication. Neil di...
Overcoming Adversity and Building Resilience in Entrepreneurship with Matthew Boyer
20 Aug 2024
Contributed by Lukas
In a recent podcast with John Golden of "Sales POP! Online Sales Magazine" and "Pipeliner CRM," entrepreneur and martial artist Matthew Boyer shared h...
Ben Rousseau
08 Aug 2024
Contributed by Lukas
In this episode of the Expert Insight Podcast, John Golden from Sales Pop Online, Sales Magazine, and Pipeliner CRM interviews Ben Rou...
Navigating the Complex Landscape of Family Businesses with Rob Ferguson
08 Aug 2024
Contributed by Lukas
In this episode, John Golden of Sales Pop Online Sales Magazine and Pipeline CRM interviews Rob Ferguson, an experienced advisor to ...
Navigating the Complexities of Selling a Lower Middle Market Business with Scott Weavil
08 Aug 2024
Contributed by Lukas
In this Expert Insight Interview episode, John Golden from Pipeline CRM and a popular online sales magazine talks with Scott Weavil, founder of Sierra...
Mark Magnacca
08 Aug 2024
Contributed by Lukas
In this episode, Mark emphasizes that Allego is an enablement platform designed to support sellers throughout their journey, from on...
Building Genuine Relationships for Personal and Professional Growth with Steve Ramona
08 Aug 2024
Contributed by Lukas
In this episode, John Golden of Sales Pop Online Sales Magazine and Pipeline CRM interviews Steve Ramona, a networking expert from San Jose. They expl...
Compassionate Leadership Transform the Grieving Process in the Workplace? with Suzanne Jabour
02 Aug 2024
Contributed by Lukas
Mastering Sales: Effective Sales Strategies with Will Barron
02 Aug 2024
Contributed by Lukas
In a recent episode of the "Sales Pop Online Sales Magazine" podcast, host John Golden sits down with Will Barron, founder of Salesman.com and author ...
The Resurgence of Direct Mail Marketing with Wilson Zehr
02 Aug 2024
Contributed by Lukas
Explore the Power of Direct Mail Marketing In a digital age dominated by emails and social media, direct mail is often overlooked. Discover how Wilson...
Executive Leadership Insights: Navigating Modern Challenges with Bob Carrothers
31 Jul 2024
Contributed by Lukas
In this episode of the Expert Insight Interview, John Goldin from Sales Pop Online Sales Magazine and Pipeline CRM speaks with Bob Carrothers, a leade...
Cara Armstrong
31 Jul 2024
Contributed by Lukas
In this episode of the Expert Insight Interview, host John Golden engages with Cara Armstrong, a leader in business development and founder of Jarvie ...
The Best Strategies for Transforming Sales Coaching and Leadership with Navid Momeni
31 Jul 2024
Contributed by Lukas
In this episode of the Expert Insight Interview, host John Golden from Sales Pop Online Sales Magazine and Pipeline CRM speaks with Navid Momeni, a to...
Mastering the Art of Sales Leadership: Key Strategies for Success with Kasey Devine
18 Jul 2024
Contributed by Lukas
In this podcast episode, John Golden from Sales POP! talks with Kasey Devine, VP of Strategic Growth at Pro HR, about sales leadership. They discuss c...
The Most Powerful Mindset Strategies for Sales Success with Justin Michael
18 Jul 2024
Contributed by Lukas
Join John Golden from Sales POP! and Pipeliner CRM as he interviews Justin Michael, a top sales expert and author of the "Justin Michael Method" trilo...
How Can Salespeople Overcome Indecision and Close Stalled Deals? with James Muir
17 Jul 2024
Contributed by Lukas
In this podcast episode, John Golden interviews James Muir, founder and CEO of Best Practice International, about his book "Unstuck: How to Unlock and...
Maximizing Brand Activation and Event Engagement with Brandie Weaver
16 Jul 2024
Contributed by Lukas
In this Expert Insights Podcast, John Golden talks with Brandie Weaver, a brand partnerships and live events expert. Brandie explains ...
Building Trust in Leadership with Randy Conley
16 Jul 2024
Contributed by Lukas
In this Expert Insight podcast, John Golden from Sales Pop Online Sales Magazine and Pipeline CRM interviews Randy Conley, Vice President and Trust Pr...
Maximizing Profitability and Strategic Growth with Nolan Bradbury
16 Jul 2024
Contributed by Lukas
In this episode of the Expert Insight Interview, John Golden from Sales POP Online Sales Magazine and Pipeline CRM interviews Nolan Bradbury, founder ...
Unlocking the Power of Instinct in Marketing with Leslie Zane
16 Jul 2024
Contributed by Lukas
In this episode of the Expert Insights Interview, John Golden sits down with Leslie Zane, an award-winning marketer and CEO of Triggers. They dive int...
The Most Effective Strategies for Confronting Self-Sabotage with Yankel Meislin
14 Jul 2024
Contributed by Lukas
In this episode of the Expert Insight Interview, John Goldin talks with Yankel Meislin about overcoming self-sabotage, inspired by Shirzad Chamine's "...
The Future of Sales CRM: Voyager AI Gen II with Nikolaus Kimla & Don Araldi
08 Jul 2024
Contributed by Lukas
In this podcast episode, Nikolaus Kimla and Don Araldi of Pipeliner Sales Corporation discuss AI advancements in Pipeliner CRM. They highlight AI feat...
Mastering the Art of Podcasting with Josef Schinwald
03 Jul 2024
Contributed by Lukas
In this Expert Insight Interview, John Golden from Sales POP! and Pipeline CRM chats with Josef Schinwald about successful podcasting....
Modern Leadership: Self-Awareness and Emotional Intelligence with Mara Benner
02 Jul 2024
Contributed by Lukas
In this podcast episode, John Goldin from Sales POP! and Pipeline CRM talks with Mara Benner from GW Center for Integrative Medicine and her own busin...
Transforming Sales: Ethics, Efficiency, and AI with Mike Latch & Gregg Murphy
02 Jul 2024
Contributed by Lukas
In this Expert Insight Interview, John Golden from Sales POP! talks with "Sales Sucks" authors Mike Latch and Gregg Murphy about overcoming negative s...
Navigating the Digital Marketing Landscape with Tristan Gray
01 Jul 2024
Contributed by Lukas
In this Sales POP! podcast episode, John Golden talks with Tristan Gray, co-founder of No BS Marketplace. They discuss Tristan's journey, the evolving...
How Can You Establish Yourself as an Expert in Sales? with Dr. Yaniv Zaid
01 Jul 2024
Contributed by Lukas
In this Expert Insights episode, John Golden of SalesPOP and Pipeline CRM chats with Dr. Yaniv Zaid, "Doctor Persuasion." They discuss...
Unlocking the Secrets of Successful Franchising with Adam Goldman
01 Jul 2024
Contributed by Lukas
In this Expert Insights Interview podcast from Sales Pop Online Sales Magazine and Pipeline CRM, host John Golden talks with franchise expert Adam Gol...
Unlocking Revenue Growth: A Deep Dive into Rev Ops with Kiefer Hazaz
28 Jun 2024
Contributed by Lukas
In this podcast episode, John Golden from Sales POP! Online Sales Magazine and Pipeliner CRM chatted with Kiefer Hazaz from Fruition Rev Ups about Rev...
Mastering SEO in the Age of AI with Tanishq Goyal
28 Jun 2024
Contributed by Lukas
In this podcast episode, John Golden from Sales POP! Online Sales Magazine and Pipeline CRM interviews Tanishq Goyal, CEO of SamBlogs.com, about the s...
How Can Small Businesses Scale Through Relationship Marketing? with Scott Grates
24 Jun 2024
Contributed by Lukas
In this podcast episode, John Golden from Sales POP Online Sales Magazine and Pipeline CRM interviews Scott Grates, a forward-thinking entrepreneur fr...
Are Early-Stage Companies Overspending? with Adam Callinan
23 Jun 2024
Contributed by Lukas
In this podcast episode, John Golden from Sales POP Online Sales Magazine and Pipeline CRM interviews Adam Callinan, founder of the SaaS platform Pent...
Unlocking the Power of Account-Based Marketing with Eric Gruber
19 Jun 2024
Contributed by Lukas
In this podcast episode, John Golden from Sales POP! and Eric Gruber of Personal ABM delve into the crucial role of account-based marketing (ABM) in e...
How is AI Revolutionizing Sales and Sales Management? with Frank V. Cespedes
19 Jun 2024
Contributed by Lukas
In this podcast episode, John Golden talks with Frank V. Cespedes about the growing impact of AI in sales. Cespedes explains how AI can boost prod...
How Can You Maximize Your Company's Profitability? with Ahuva Gruen
19 Jun 2024
Contributed by Lukas
In this podcast episode, John Golden interviews Ahuva Gruen, an experienced fractional CFO and founder of AG Financial CPA. They delve into the key ch...
How Can Married Entrepreneurs Achieve Better Work-Life Balance? with Kay Lee and Robert Fukui
18 Jun 2024
Contributed by Lukas
In this episode of the Expert Insight Interview, host John Golden talks with Robert and Kay Fukui, co-founders of IE 61 Inc and authors of "Tandem: Th...
Navigating the AI Revolution: Insights from a United Nations AI Advisor with Neil Sahota
17 Jun 2024
Contributed by Lukas
In this podcast episode, John Golden interviews Neil Sahota, a United Nations AI advisor and IBM master inventor, about the advancements and impli...
The Essential Skills for Authentic Leadership with Bill Dickinson
17 Jun 2024
Contributed by Lukas
In this episode of the Expert Insights Podcast, host John Golden talks with leadership expert Bill Dickinson about authentic leadership and self-d...
Navigating the Sales Industry - Insights from a Sales Pro with Kristie Jones
07 Jun 2024
Contributed by Lukas
In this podcast episode, John Golden and Kristie Jones explore the intricacies of a career in sales. Kristie, an experienced sales coach and author, h...
Cybersecurity, Privacy, and AI Ethics Walk into a Boardroom with Frank Kyazze
07 Jun 2024
Contributed by Lukas
Interviews Frank Kyazze about the crucial role of governance, risk, and compliance (GRC) in building digital trust and enhancing cybersecurity, privac...
Profitability Unleashed: Mastering the Art of Customer Experience with Frank Favaro
07 Jun 2024
Contributed by Lukas
In this episode of the Expert Insight Interview, host John Golden talks with Frank Favaro about the crucial role of customer experience (CX) in drivin...
The Art of Persuasion and Influence with Tony Perzow
06 Jun 2024
Contributed by Lukas
In this podcast episode, host John Golden talks with expert Tony Perzow about negotiation, persuasion, and influence. They focus on being ethical and ...
Navigating the Sales Landscape in 2024 with David Brock
06 Jun 2024
Contributed by Lukas
In this podcast episode, John Golden interviews David Brock, a sales consultant and author, about the challenges facing sales in 2024. They discuss th...
Mastering the Art of Sales Follow-Up with Wanda Allen
06 Jun 2024
Contributed by Lukas
As the host of a podcast that delves into the intricacies of sales and relationship-building, I recently had the pleasure of engaging in a thought-pro...
Harnessing the Transformative Impact of Storytelling in Sales with Akeem Shannon
06 Jun 2024
Contributed by Lukas
Today, I want to share with you an incredible journey of resilience, innovation, and the art of storytelling from my recent podcast episode. I had the...
A Deep Dive into Employee Retention and Engagement with Dr. Frumi Rachel Barr
28 May 2024
Contributed by Lukas
In this podcast episode, John Golden from Sales POP! Online Sales Magazine and Pipeline CRM chats with Dr. Frumi Rachel Barr, founder of Barr Business...
Unlocking Revenue Growth: A Three-Step Process with Dionne Mejer
27 May 2024
Contributed by Lukas
In this podcast episode, John Golden from Sales POP! Online Sales Magazine and Pipeline CRM hosts Dionne Mejer, CEO of Revenue By Design. They delve i...
From Music to Sales: A Symphony of Success with Josh Alltop
25 May 2024
Contributed by Lukas
In this podcast episode, John Golden interviews Josh Alltop about his move from music production to sales. Josh talks about the cultural shock he expe...
Effective Outbound Sales Strategies for 2024 with Donald Kelly
21 May 2024
Contributed by Lukas
In this podcast episode, John Golden interviews Donald Kelly, a sales influencer and professional, about outbound sales strategies for 2024. Donald e...
Augmented Intelligence: The Game Changer for Top-of-Funnel Sales with Nick Caruso
19 May 2024
Contributed by Lukas
In this podcast episode, John Golden interviews Nick Caruso about augmented intelligence in sales. Caruso, from KnowledgeNet.ai, emphasizes that augme...
Enhancing Sales with the Human Touch with Richard Harris
18 May 2024
Contributed by Lukas
In this episode of the Expert Insight Interview, host John Golden speaks with Richard Harris about the significance of human interaction in sales. The...
Adapting Leadership for Today's Challenges with Kathy Andrews
17 May 2024
Contributed by Lukas
In this podcast episode, John Golden interviews Kathy Andrews on leadership development and the transition from best to real practices in leadership. ...
The Most Effective Strategies for LinkedIn Success Unveiled with Kim Peterson Stone
14 May 2024
Contributed by Lukas
In this podcast episode, John Golden interviews Kim Peterson Stone, a LinkedIn expert and founder of Linkability. They delve into strategies for effec...
Maximizing Sales with Intent Data and Storytelling with Zack Gutin
10 May 2024
Contributed by Lukas
In this podcast episode, John Golden from Sales POP! Online Sales Magazine and Pipeline CRM talk with marketing consultant Zack from Think Alike Media...
Authentic Success: Journey of Self-Expression with Diane Strand
08 May 2024
Contributed by Lukas
In this podcast episode, John Golden interviews Diane Strand, exploring the fusion of creativity, marketing, and business. They emphasize authenticity...
Empowering and Inspiring the Hourly Workforce with Scott Greenberg
07 May 2024
Contributed by Lukas
In this podcast episode, John Golden interviews Scott Greenberg, who shares insights from his experience managing hourly employees and his book "Stop ...
Mastering Data-Driven Sales in SaaS with Ray Rike
03 May 2024
Contributed by Lukas
In this podcast episode, John Golden from Sales POP! Online Sales Magazine and Pipeline CRM hosts Ray Rike, a seasoned subscription software leader an...
The 100 Mile Mindset: Achieving Lasting Success with Jason Yarusi
03 May 2024
Contributed by Lukas
In this podcast episode, John Golden interviews Jason Yarusi, a successful private fund manager and ultramarathon runner. Jason shares his philosophy ...
Generative AI for Sales: A Coach's Insights with Gil Cargill
01 May 2024
Contributed by Lukas
n this podcast episode, host John Golden and sales expert Gil Cargill explore the transformative effects of generative AI on sales. Cargill, with 48 y...
Unlocking the Power of Negotiation Intelligence in B2B Sales Blair Siegler
01 May 2024
Contributed by Lukas
In this podcast episode, John Golden from Sales POP Online Sales Magazine and Pipeline CRM interviews Blair Siegler, CEO and founder of Quantico. They...
Reclaiming Balance: A Journey Through Burnout to Self-Discovery with Dr. Eric Recker
29 Apr 2024
Contributed by Lukas
In this insightful conversation, a remarkable individual, Eric Recher. He is a dentist, husband, father, speaker, coach, author, pilot, and mountain...
Kindness, Core Values & Making a Difference with Michael Altschuler
27 Apr 2024
Contributed by Lukas
In this insightful conversation, motivational speaker and success coach Michael Altshuler shares profound wisdom on positively impacting the world. He...
Understanding Emotions in Sales with Dan Seidman
25 Apr 2024
Contributed by Lukas
Enjoy a fascinating discussion with Dan Seidman, the Managing Director of Reading Emotions. Our conversation illuminated the critical role that unders...
Heart-Centric Sales: A Path of Self-Growth with Coach Dan Gordon
22 Apr 2024
Contributed by Lukas
In an insightful conversation, Coach Dan Gordon shed light on the unregulated nature of the sales profession, which often lacks proper training and pr...
Mastering the Subscription Economy with Adam Levinter
19 Apr 2024
Contributed by Lukas
The subscription economy represents a seismic shift away from one-off transactions toward cultivating ongoing customer relationships and delivering co...
Wellness Realized: A Journey to Authentic Living with Carroll Dey
16 Apr 2024
Contributed by Lukas
In a thought-provoking discussion with realtor Carroll Dey, we explored the intersection of real estate, wellness, and living an authentic life. Carro...
Unlocking the Secrets of Digital Marketing with Jacob Longoria
09 Apr 2024
Contributed by Lukas
Digital marketing is key for businesses to grow online. Marketing expert Jacob Longoria shared smart tips during a recent interview. He exposed the my...
Cracking the Code: Secrets of a Thriving Sales Culture with Andy Gole
08 Apr 2024
Contributed by Lukas
In a riveting conversation with Andy Gole, a master sales trainer and consultant with over 30 years of experience, we uncovered corporate culture's pi...
Unleashing the Power of Mindset in Sales with Shawn Feurer
08 Apr 2024
Contributed by Lukas
Are you ready to shatter your self-limiting beliefs and unleash your true sales prowess? On our latest podcast episode, join us for an enlightening co...
Harnessing the Power of the "Great Wheel" in Sales with Tom Kaiser
21 Mar 2024
Contributed by Lukas
In a captivating conversation with Tom Kaiser, Managing Partner at The Revenue Engine, I, John Golden, gleaned invaluable insights into the transforma...
Navigating the Seasons of Leadership with Chris McAlister
21 Mar 2024
Contributed by Lukas
Dive into a riveting podcast where I explore the depths of leadership and personal growth with industry luminaries John Golden and Chris McAlister. In...
Navigating the AI Revolution in Content Creation with Jon Gillham
21 Mar 2024
Contributed by Lukas
In today's digital landscape, the rise of artificial intelligence (AI) in content creation poses challenges and opportunities. In a recent conversatio...
The Art of Client Relationships with Richard Weylman
21 Mar 2024
Contributed by Lukas
Join us in this podcast as we delve into client relationships with Richard Weylman, a distinguished business consultant. Richard's journey from advers...
Future-Focused Finance: Planner Insights with Chad Hufford
09 Mar 2024
Contributed by Lukas
Tips from Planner Finance I recently talked with Chad Hufford, a financial planner, about how to focus on the future for both personal and business fi...