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The 5-Minute Financial Fix That Could Save You $50,000 (or More)


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Advertising Disclosure: When you buy something by clicking links within this article, we may earn a small commission, but it never affects the products or services we recommend. Lisa made one phone call last Tuesday that saved her $4,200 per year. Multiply that by the 12 years until she retires, and that five-minute conversation was worth $50,400. She’s not special—she just knew the exact script…

Euro-Swedish krona pair to consolidate before resuming downward trend




Euro-Swedish krona pair to consolidate before resuming downward trend

China AI chip leader Cambricon sees record earnings boost from DeepSeek



Cambricon Technologies Corp. swung to a record profit in the first half, reflecting a wave of demand for Chinese chips after Beijing encouraged the use of homegrown technology in a post-DeepSeek AI boom.

The Chinese AI chip designer, which competes with Huawei Technologies Co. to provide accelerators for developing and hosting AI models, posted a 1.03 billion yuan profit ($144 million) versus a year-earlier loss of 533 million yuan. That’s off a roughly 44-fold surge in revenue to 2.9 billion yuan. Its shares climbed more than 8% in Shanghai.

The results underscore how startups and big tech firms like Alibaba Group Holding Ltd. are increasingly employing domestic alternatives to Nvidia Corp. as the pace of AI development intensifies. The Chinese authorities have urged local agencies to use homegrown chips, citing security concerns as well as persistent uncertainty over the Trump administration’s export curbs. 

That’s lifted sentiment toward chipmakers amid rising geopolitical tensions and supply chain disruptions. Cambricon—one of the largest listed AI chip designers—has doubled its market value to $80 billion this month alone. That’s after becoming China’s top performing stock of 2024, riding investor enthusiasm over government support for local tech. On Tuesday, the State Council reaffirmed support for AI adoption as well as the development of intelligent vehicles and robots—all of which require AI processors.

“Amid U.S. restrictions on China’s AI sector, government support for leading domestic firms is essential to drive growth and replace imported chips,” said Ma Cheng, chairman of Shenzhen Juze Investment Management Co. “Such protection is necessary, and Cambricon’s growth is far from temporary.”

Chip shares have led gains in the recent China stock market boom as investors grow more optimistic about the country’s AI prospects and DeepSeek’s latest model update, which it said was tailored to work with next-generation homegrown AI chips.

Despite the strong results, Cambricon acknowledged intensifying competition in the AI chip sector, with only Nvidia maintaining an absolute advantage in the market. That’s as the US government allows Nvidia and Advanced Micro Devices Inc. to resume sales of certain lower-end chips to the country.

To shore up its base, Cambricon said it’s expanded support for DeepSeek, Alibaba’s Qwen and Tencent Holdings Ltd.’s Hunyuan models. It also announced a 4 billion yuan private placement in July to fund its large-model chip platform. 

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HT: Mark via email

What is Business Management?



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Business Management is a vast field and covers almost all aspects of the business under the umbrella. This increases the importance of its Qualification and various skills required to perform varied tasks in the organisation. Finance, operations, communication, customer service, marketing and human resource management are the few to mention as the sub-branches of business management.

Ofqual Regulated Qualifi Diplomas in Business Management has been prepared with an aim to provide the learners with the best knowledge and expertise in the field of business management. These Diplomas in Business Management allows the students to learn new knowledge and acquire new skills through a variety of topics.

The aim of these courses is to serve the students with indispensable knowledge about business and management and its role in modern organisations. During the course, the students will be able to develop new skills and will improve their existing skills regarding business management.

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Welcome to Inspire London College.
Inspire London College is the UK’s leading specialist provider of distance learning professional and vocational courses.
The Inspire London College is distinguish global distance learning institute dedicated to provide accredited courses in UK and around the world.
We deliver wide range of accredited, affordable, convenient and fully recognised prestigious qualifications from Ofqual registered awarding organisations.
#businessmanagement #businessstudy
Our skill focused course are specially designed to enhance the skills. Take your career to the next level or possibly start out in an exciting new direction.
Inspire London College offers the flexible, accessible prestigious courses to help you reach your set target occupation.
We offer employability theme courses that help you develop your career in right direction and improve your employability.
Advantage to Choose Inspire London College
• The Ability to Continue Working While Studying
• Flexible Courses That Fit in Around Your Lifestyle
• No Start Dates, End Dates or Deadlines – Work at Your Own Pace
• Year-Round Enrolment
• Start Anytime You Like
• Interest-Free Payment Plans
• Take as Many Study Breaks as You Like, Anytime You Like
• No Commuting to Classes or Transport Costs
• Reduced Childcare Costs
• World-Class Support from Experienced Tutors
• Recognised certification
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Grasshopper clients ask for AI-driven insights


Grasshopper Bank is listening to client demand as it launches an AI-driven personalized financial management solution for its business clients.  The digital bank and tech provider Narmi launched a model context protocol (MCP) server that allows business clients to access personalized financial analysis.   An MCP is a standard layer for AI applications to communicate […]



We Sold Our Home and Lived in an RV to Invest (It Worked!)


Real estate investing isn’t always pretty. Today’s guests had to make some serious sacrifices to buy their first investment propertyliving out of an RV, with a newborn, in the middle of winter. This bold move not only made them $180,000 on their first deal but also helped them snowball to five properties!

Welcome back to the Real Estate Rookie podcast! Nichole and AJ Frandanisa sold their house to start investing in real estate. But not only that—they bought a rundown property and lived in an RV while doing their first live-in flip. This gave them the confidence (and the money!) to buy more properties using this same investing strategy—putting low money down, adding value, and selling renovated homes for a huge profit. They’ve already completed five real estate deals and are now moving into multifamily properties to build wealth even faster!

In this episode, you’ll learn how to get your spouse on board with your real estate investing dream, as well as how to use various negotiation tactics to get a better deal—especially in this market where buyers have more leverage. You’ll also learn the secrets to building your investing network, finding top-notch contractors, and keeping great tenants!

Ashley:
Today’s guests are AJ and Nicole Mortgage lender, agent live and flippers, house hackers and community builders. Their journey started in a snow covered RV with a newborn, and now they’re flipping full guts and scaling into multifamily.

Tony:
And today we’ll talk about living in a driveway with a baby getting robbed during a flip, and why their secret weapon isn’t a tool, it’s community.

Ashley:
This is the Real Estate Rookie podcast and I am Ashley Kehr.

Tony:
And I’m Tony j Robinson. And today we’ve got AJ and Nicole Fran Denisa joining us today. AJ Nicole. Super excited to have you both here with us today. Thank you for joining us on the podcast.

Nichole:
Thanks for having us. Yeah, thanks for having us.

Tony:
Now, for me as a father of three and having two under two, I have to ask right off the bat, how did you manage living in an RV with a newborn to make your real estate dreams come true?

Nichole:
Oh my goodness. I think that’s such a great question. We look back on that season and I go, how in the heck did we accomplish that? But really we look at our RV as our little guy’s first nursery, it was his house that everything from the front to the back was full of baby stuff, but it probably helped that it wasn’t all three of us living in the rv, I was in there with the baby. His name’s Wes. We like him a whole bunch, but AJ was basically never in the RV because he was remodeling our very first live-in, flip it in that we lived in the RV in the driveway, but we barely saw him. He came in to do a quick shower and he was right back out remodeling that house. That’s how we managed. What

Ashley:
A creative idea though, to remodel a house and instead of renting or living somewhere else while it’s being remodeled and it’s not livable yet to park an RV in there. Actually the live and flip I’m doing right now, it actually in the driveway there is a hookup for an RV that the previous owners must have had an RV here at some point or whatever. So this house, you could definitely do it, but tell us how you got to that point where what decisions were made, what was going on in life that you decided to buy this property and live in the rv?

AJ:
Yeah, we had bought our first home a couple years prior and then ended up selling that home when we got pregnant with Wes and realized that maybe that house wasn’t what we wanted for this next season of our life. So we sold that house and quickly had realized that we wanted to buy something that maybe we could make our own. We had investing in mind, but really the idea of this house was we wanted to make our dream home, if you will. We had shopped and looked at homes for a little while, ended up finding this one on the market with our agent and ended up getting that house ultimately and really getting to make it our own at that point, like you said, for the purpose of really kind of making it our dream home to raise our son.

Tony:
Now let me ask guys, I mean, why go with such an extreme version of a project for your first one with the baby on the way, what was it that made you say, Hey, this is the right move for us at this time of life?

Nichole:
I think honestly, Tony, it was probably a whole bunch of ignorance and not knowing what we were going to get ourselves into. AJ had been listening to the BiggerPockets podcast for a few years by this point, and his vision for our family was to invest. And so he saw an opportunity to buy something that needed some love, fix it up, maybe live in it for us, but maybe sell it in the future. And for some of that equity, I had no clue what he was doing in the background. I thought we were coming in like Chip and Joanna Gaines and we were just going to make something pretty and love it forever. But AJ definitely had a larger vision for our family that went even beyond that one house. That one house set us up for the rest of our investing since

Tony:
Then. Nicole, I appreciate you sharing that, but I guess let me ask the question specifically to you. You said it was initially AJ’s vision, obviously there’s two of you, right? How did you get on board with this vision that AJ had kind of built for the family?

Nichole:
Yeah, this is one of our favorite topics to talk about because investing as a husband and wife, we recognize as a rare adventure. We know a lot of investors that invest on their own and their spouse is just kind of a along for the ride or maybe operates in lieu of or is like, you do your thing and I’ll be over here. It was really important to AJ that I was on board. So we talked about the BiggerPockets podcast and he said, Hey, I think you’ll like this one episode. It’s mostly about leadership and not about real estate, and I was really into leadership at the time, and so really he just hacked my brain by infusing some media into my life. So I turned on that one episode of BiggerPockets and we never turned it off. And that is what changed my whole perspective from, hey, my roof and my home is my safe place to my roof and my home is probably my launch launchpad for wealth building and the future of our whole family’s vision.

Ashley:
We’re going to have to charge the BiggerPockets podcast and revenue. It was rookie

Nichole:
Podcast. It was pre the

Ashley:
Rookie

Nichole:
Podcast.

Tony:
But Nicole, I think you just answered a question that a lot of rookies who are listening right now probably have of how can I get my spouse on board? I’ve been the one that’s been watching the podcast on YouTube and listening to the books and doing all these different things, but my spouse isn’t there yet. But what you said was AJ found a path that wasn’t even necessarily about real estate but was related to something that was of more interest to you. And I think that’s maybe a bridge that a lot of us can try and cross to get our spouses on board where maybe we’re not necessarily talking about, Hey, do you mind if we move us and our newborn baby into an RV and park in front of this house that we can’t live in and try and turn this into some sort of investment. Maybe not the best way to do it, but hey, let’s start with the podcast about leadership that I know my wife might be interested in and let it build from there. So I just love that you guys were able to come together and find a path to do it in a way that made sense for both of you.

Nichole:
Yeah, it’s our superpower. We both have what we bring to the table in our investing and we call it our lanes. AJ stays in his lane what he’s really, really good at, that’s contractors looking at the property, determining comps and rv. Those are his superpowers. My superpower has always been relationships, spending time with the homeowner of the property, getting to know people in the investing community and building our connections and staying in our lanes as a couple now and investing has been the thing that took us from where it started to where it is now.

Ashley:
And that advice goes to not even just if you’re a couple or in a relationship and you’re working on a deal or the business, it also goes to having partners in the business too. James Dard, he has always talked about that in his business. He is the brokerage side, the flip side, doing all that, and then his partner is the property management side and a couple other things, and they each have their lane. This is what they have basically control over, and what they do is when one doesn’t know what to do or whatever, then they go and they discuss it with the other person, but ultimately the one that’s kind of in charge of that has the final say because that’s the one who’s in the day-to-day of that part of the business and things like that. And I really do think that is great advice is to figure out what your roles are, your responsibilities and really take ownership of it, but you still have each other to lean on and you become the expert in that part of the business or whatever that role is. And so I guess what I want to know next is how did you end up with this flip with live and flip? What did the numbers look like at the end of it? And was it two years that you stayed there or longer?

AJ:
Yeah, we were there two years. We bought it December of 2018. Our son was born January of 2019, and then we ended up selling it in 2020 towards the end of the year. So we were there almost exactly two years from when we sold the house. I want to say we bought that one for 3 95. And then what did we end up selling that at six?

Nichole:
6 95?

AJ:
6 95? And we’d ended up putting around 120 grand or so into it from kind of beginning to end. And the initial brunt of that was most of it. We kind of got fatigued towards the end and we just ended, I mean, we lived in an RV for several months, I think we were in the driver for three, four months and we had a newborn at the time, obviously, so we wanted to get our newborn into his own room, and as he kind of progressed in his growing, and so we ended up moving into the house when it was about 95% done and still needed a little bit of work. And I remember just being fatigued from working all day, working all night on the house, working on the weekends, trying to get time together as a family, and I remember being fatigued and then we slowed down for a minute and just enjoyed what we had. And so we picked back up. It probably took us about nine months to really get back into the flow of finishing everything. So it felt like we kind of finished it and then sold it probably four or five months later, but at the end we were about 120 ish thousand dollars into it.

Ashley:
I think that’s some of the value of doing a live and flip as you really have the two years to do the projects. So you can create your own timeline, you could do it super fast, and so you get to enjoy it for the full two years. You could literally finish the day before you list it. You have lots of options, and I think that’s one of the best reasons to do a live and flip is because you’re on your own timeline within those two years or even longer. Worst case scenario, you live in the house a little bit longer, you’re still not going to pay capital gains on the taxes if you stay there longer. So yeah, I think that’s one of the values of doing a live and flip. Today’s show, it’s sponsored by Base Lane. They say Real estate investing is passive, but let’s get real chasing rents, drowning in receipts and getting buried in spreadsheets feels anything but passive.

Ashley:
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Tony:
Alright, we are back here with Nicole and aj. So aj, after you guys sold the live and flip, how did your strategy differ as you moved on to your next deal?

AJ:
Yeah, so it was really Nicole that kind of drove the selling portion of it. I had kind of grown to love this home and we saw the value of the equity in it, but it was kind of the first place obviously that I got to bring my son home to. And he’s took his first steps there and there was a lot of emotional kind of attachment to this house as a result of some of those pieces of our life that had changed. But Nicole had helped kind of me see the value of selling for the ultimate purpose of wanting to continue our investing. And so she kind of did this like, Hey, let’s just do the next right thing. And at the time she wasn’t an agent and the agent who helped us purchase the house, he came and he helped us value the house so that way we could kind of see what we could get in proceeds and seeing the numbers on the page at that point it was like, okay, obviously this is the more logical, this is the wise choice to sell it so we can take that capital and reinvest it and kind of set the emotional side of it to the side a little bit as a house that we loved.

AJ:
But doing the hard thing of selling that really helped us launch into what our ultimate goal was, which was to get into multifamily. And then that next purchase we had the funds to be able to purchase another primary residence this time, a duplex that needed a lot of love, and so we were able to purchase it low money down as a primary residence and then take a chunk of that capital and remodel it to add value and still have some money left over.

Tony:
Why did you guys opt for a small multifamily versus doing another single family home?

AJ:
Yeah, we wanted to house hack, so the goal was to drive our expenses down. We kind of at the time had started to form some family values and one of those family values was that we do hard things. We did the hard thing of living in the driveway. We did the hard thing of bringing a newborn home to an rv. We did the hard thing of live in flip and having a partially finished home. We did all those hard things. We didn’t want to compromise what we wanted most for what we want now. So we decided to go with a duplex so that we could house hack because we wanted to drive our expenses down so we could continue to invest. So by doing the house hack, obviously part of our mortgage is now going to be covered by the other side, but we also saw the value and value add, so we wanted to be able to find something that needed work so that we could increase the value of the property over time, kind of like what we did with the farmhouse.

Ashley:
So then you get to keep the property for two years and then you can sell it. So basically you’re doing a house hack and a live and flip on the property. Being able to add that value into it, you’re really combining strategies and maximizing the value of real estate investing. So with this property, what was it that you were paying a month to actually live there or were you cash flowing on it? Were they covering the whole amount of the mortgage? What did the numbers look like on this deal?

AJ:
Yeah, so on that particular property, we bought it for four 40. It had some things that needed to get repaired, and we used kind of a combination of getting some seller concessions as well as having some funds paid out to our contractor for some work. So we got a jumpstart on some of the work that actually needed to happen through an escrow holdback, so that way we didn’t have to come out of pocket entirely for the rehab cost. So we bought it for four 40. That one we put about 40 ish thousand dollars per unit into it. So we were in around $80,000 on the interior, and then we put a little bit of money about a year and a half later into the exterior. Oh, sorry, I’ll go back. I saw you point, I thought you nevermind. But yeah, we put about $40,000 per unit into us. We’re about $80,000 on the interior and then a little bit of money on the exterior about a year and a half later. And then on the rental side, it had room to go up. It was under market rents. I think at the time they were renting for about 1200 per side, and we were able to bring those up pretty significantly after we remodeled the units. And so I think our all in for what we were paying to live the room when we were there was right around $1,200 including utilities.

Tony:
And something you mentioned, AJ, that I want rookies to maybe get a better understanding of is escrow holdback. What is that and why was it helpful for you guys as look to rehab this deal?

AJ:
Yeah, so an escrow holdback is essentially proceeds from the seller if they’re going to give you something, so you have your seller concessions, maybe that’s them contributing to your closing costs or things like that, and an escrow holdback is something that’s getting paid out to a third party. So in this case, we had our contractor that was going to be getting paid and it was about 15 ish thousand dollars that he was getting paid in addition to what we were getting in some closing costs from the seller. And so essentially escrow is going to take a portion of those funds and then disperse it off to our contractor at the time for that work. And the same time that they’re kind of dispersing other funds to agents for commissions and the seller for their proceeds, they just have another bucket than they give money to whoever that person is.

Tony:
Yeah. Let me ask one follow up question because I know that there are limits on seller credits, but are there limits on this escrow holdback if I wanted the seller to hold back 10% of the purchase price if they wanted to, could they do that or are there also limits on how much can go into that holdback account?

Nichole:
It’s a great question. Can I speak to

AJ:
It a bit? Yeah, I was going to say it. I was just going to say I’ll let Nicole defer to that side. She’s an agent, so she gets to deal with that a lot more. Yeah,

Nichole:
So it’s my favorite tool when negotiating with sellers to use both of those, both seller credits and this holdback or this seller invoice. There’s two ways to do it. The escrow holdback is where escrow holds those funds after close until the work’s been done, and then they pay the contractor any remaining funds technically defaults back to the seller as their proceeds. So that’s how that one works. But what we really love to do in addition to this, we’ve done it several times with other projects too, is where the seller actually pays an invoice to our contractor at the time of closing. There is no limits on that amount. There is limits on escrow holdbacks, there’s limits on seller concessions, but there’s not limits on the seller paying an invoice. So the way this works is my contractor comes in and says, gosh, the kitchen’s going to be $40,000 to complete, and we’ve negotiated that the seller’s going to pay that contractor and that invoice, so the contractor gets paid at closing, they get paid upfront. This is where the risk is. Any Ricky’s that are listening to this technique, the risk is you’re paying your contractor upfront, so you have to have a really great relationship, rapport, and trust with that vendor, but you’re paying them upfront for the work right at the time of closing, and there’s no limits on that. It’s a really great workaround to leverage negotiations but still fit within the limits of concessions and escrow holdbacks.

Tony:
That’s fine. I’ve never heard of that before. That’s something new that I just learned in this podcast today, Nicole, so thank you for sharing that with us.

Nichole:
Of course. Yeah, and this particular duplex too, I think one thing that’s powerful about that particular property, if I can unpack it real quick, is we found this property on market. It was on market during a really hot spell in our local market, and we saw it and we saw the potential of it because the two reasons, one, the seller lived in the house, the seller had lived in one side of the duplex for 25 years, and it looked like they had lived in it for 25 years. The second was there was a giant fish painted on the front of this home, like a mural of a muskie or something like that was painted across this house. That’s our heartbeat behind our investing is if I can smell the house through the photos, I want to go see it. This is when everybody was wearing masks, but you wanted a mask on in this house.

Nichole:
And so we got to meet the seller as a part of that process. One, they had a really, really old agent. I’m talking like we were faxing documents back and forth, and she was difficult to get ahold of, and at some point she just said, how about you just go there and talk to the sellers? I said, no problem. That would be my preferred. But we got to sit down with the seller and figure out what they really needed, and they were stressed about downsizing out of this duplex into their rv. They were about to go into their RV season of life, and they just didn’t know what to do with all their stuff. And so we got to come in really quickly and go, how about we solve that problem for you? One of the other things that we love to leverage when purchasing is we go, Hey, seller, leave everything you don’t want. Take only the stuff you love and leave everything else. Let me take a giant barrier off of your plate on this idea of you moving out of there and let’s solve a really big problem right up front.

Tony:
Nicole, it’s so interesting that you share that story because we’ve heard a version of, I got a really good deal because I helped the seller figure out what to do with all of their stuff. We’ve heard a version of that so many times on the podcast from new investors, experienced investors, but I think the lesson for all of the Ricky’s that are listening is try and understand what the biggest pain point is of the seller. And obviously this is so much easier when, as Nicole said, you can go and have a conversation with them, but sometimes even you can get that information through your agent and their agent, but the more intel you have about why they’re moving, what their challenges are, what their biggest goal is, what’s most important to them, the easier it becomes for you to craft a deal that actually makes sense. So my mind is blown. I feel like this is deja vu because you’ve heard this so many times before.

Nichole:
AJ always says, I’ll steal your quote. Can I?

Tony:
Yeah, go for it.

Nichole:
You saw this one coming. I always steal his good stuff. AJ always says, you get paid in proportion to the problems you solve. And I think that is absolutely true when negotiating a positive contract for yourself and for the seller, the more problems you can solve, what a win for them, and the more problems you can solve, the better deal you’re probably going to get.

Tony:
One thing I want to go back to with the actual rehabs you guys are doing, because you’re moving in, you said 80 K on the duplex, 120 K on the first live and flip. How are you guys funding those rehabs? And maybe if we start with the live and flip, because we didn’t touch on that piece before the break, 120 K, were you just cash flowing that out of your day jobs? Where did you guys get the funds to actually complete the rehab?

AJ:
Yeah, so up until recently, everything we’ve done been with our own money. We hadn’t used hard money for anything. And I mean ultimately that probably kind of slowed a little bit of what we could have done and kind of seeing that now that we’re starting to dabble in that. But we had really just used proceeds. So we’d sold our initial primary house, got about 70,000 from that, had about 30 ish grand or so in the bank at the time, and then both of us made decent money at the time too, and so we just kind of bankrolled it ourself out of our own savings. We were talking about this, and there was probably about six months where we had less than 10 grand in our bank account at any given moment because we were just putting money into the house constantly. And so we just have rolled those proceeds. And so that first live and flip, we took the proceeds from that, rolled that into the duplex and remodeled it, bought another duplex. And so we’ve just been kind of bankrolling it ourself with proceeds and trying to multiply money to get more properties. And ultimately even now we’ve leveraged houses that we’ve sold to get money to flip that we then partnered with hard money to try to magnify what we can do a little bit.

Tony:
Yeah, I think it’s such an interesting approach because you’re getting all this money tax-free because you’re doing it as 11 flip, which then gives you a bigger chunk of cash to put into the next deal, which then gives you a bigger chunk of cash to put into the next deal, and it just kind of starts to snowball from there. So I guess, let me ask guys, are you currently doing a live-in flip?

AJ:
Yeah, we’re just wrapping up a live-in flip. So we bought it about two years ago and did all the interior moved in, and they’re just kind of finishing up the exterior now. We’re sidewalk away from it being done. So yeah, we’re just wrapping up one now and then working on an actual more traditional flip as well.

Ashley:
What’s the overview of your portfolio and the deals that you’ve done so far?

AJ:
Yeah, so far we’ve done two live and flip single families, two duplexes. One of ’em was much more of a value add. We had to do work to both sides and gut it and rebuild it. The other one, we ended up remodeling one unit that was in a little bit more disrepair and doing a little bit of exterior work, but the other unit was in decent shape. And then currently working on a single family flip.

Ashley:
Now for all the rehab and stuff you had mentioned you’re doing some work and you guys each have your own lanes that you’re working in. And Nicole, we’ll start with you. What are your roles and responsibilities in the business? Because you guys have tenants too. Are you guys acting as the property manager?

Nichole:
Yeah, we are. And it’s taken some time to figure out what our lanes are. We both did a lot, aj, a lot more, I’ll be honest, he swung a lot more hammers than I ever did, but your girl can paint some trim dialed. But now what it looks like today is that I support all of our property management when it comes to the coordination. We use a third party tool. We use rent ready to manage our tenants, help to onboard them, and we only have a couple handful of tenants. And it used to be that we didn’t want to know our tenants at all. I wanted it to be strictly business. And now the landlord tenant temperature has changed in our state in Washington state. And so now it’s the opposite. I want to know my tenant. I want them to sit next to me at church.

Nichole:
I want to know where their mama lives. I want to know them and have relationship. So it means that there’s a little less veil in that relationship, but we do do our property management. AJ will still do some of the low level handyman items, but we’re quick to call our favorite contractors and vendors now just recognizing that we’re buying back our time. So that’s what I do on our rental side. And then in our acquisition side, I spend time with sellers. One of my favorite things to do is to catch a cup of coffee at the local diner with a sweet old lady that is an absolute hoarder in her house and we can’t meet at her house because it is dangerous to do so instead we go get a cup of coffee somewhere else. And just to get to know that person in their circumstance, learn about their story, spend time with them, and then start to dig out, as you were saying, Tony, what are those problems that we can help you solve so that you can move on to a new stage and journey in your life, hopefully a better one, and we can support in bringing new legacy to this home.

Nichole:
That’s my lane. I do all of our negotiation and contract review and then of course, help resell the properties when it’s time as well, because I have my agent’s license

AJ:
On my side, definitely more of the systems and processes side, so keeping track of things like paperwork and whatnot and managing the rehab portion. So I did a lot of work on all of our properties that we’d acquired up until recently, and I’ve slowly tried to get out of that, finding the things that are my best use of time. I might be able to do that work, but it’s going to take me longer and it’s probably not going to look as good, so it’s better to pay a contractor. So have slowly worked out of most of that. So yeah, so I definitely managed the actual rehab portion of things and then running all of our numbers, doing our analysis and due diligence, all of that side of things is where I like to stick my time. That’s where my brain works best on all the numbers, pieces of things.

Nichole:
Can I brag on AJ real quick, some more here that he does for this? AJ also has this special gift of building vendor and partnerships with great contractors. So he builds such rapport. There’s such respect. I’m sure it’s a combination of the biceps and the beard, but nonetheless, people love to work with aj and it means that we get really incredible pricing, pricing on all of our materials and labor, but also even really great opportunities with our hard money negotiated based on relationship, just really great rates that way too. So that’s his superpower, even though he didn’t mention it.

Ashley:
And that is a valuable tool to just know of and to work on is building those relationships with different people in the industry.

Tony:
On that note, I think for a lot of Ricky’s, finding good contractors is one of the hardest things to do that can understand how to underwrite a deal. And they can put all the numbers together on a spreadsheet, but when it comes to finding the people to actually do the work, that’s where a lot of folks get stuck. So aj, what would your recommendation be if I dropped you into a brand new city? You had no contacts, no preexisting relationships. Where are you going to do to rebuild that roster of great contracts labor?

AJ:
Yeah, that’s a great question. Yeah, I think probably the first thing I’d do is I’d find community, I’d find community of investors and I’d build a relationship with them first and I’d find out who they like trust, because if I can have a relationship with somebody that then opens up their Rolodex to me, that’s going to change the game for me. I can go through a list of contractors and try to read reviews and maybe get some testimonials, if you will, from previous clients, but that’s something that can be really easily defrauded and somebody could have fake reviews and testimonials, things like that. But if I can sit eye to eye across from another investor who says, Hey, you should use my guy. He’s great. He has faires prices, here’s his number. I’m going to take that with a little bit more weight because those are people that I’m also trying to be like, I’m trying to continue to grow investing, and if I can find good trustworthy investors that then trust me to have their contractors information, that would probably be step one for me.

Ashley:
Aj, I want to get your opinion on a rookie just getting started. What is one of the first systems and processes that they should actually implement when they’re investing?

AJ:
Yeah, I think that depends a little bit on what the strategy is. For us initially didn’t really have a whole lot of spreadsheets. Our first live and flip, it was like, yeah, I think we can probably do it for about X amount of dollars. And so I think having a way to track your budget and then knowing what the total amount you want to spend is and getting a good idea of what that looks like on the front side will help you on the backside so you’re not spending more than you actually want it to. And then for the Landlording side, having a good system like a rent ready will make your life a lot easier. Having good way to track your rent, well, a good way to track your expenses, having a good way to keep your documents in one place so you have your leases. Everything’s coming into one portal. I think that’s huge too. It’s going to take a lot of the brain damage out of things as you’re trying to learn. Landlording

Ashley:
And BiggerPockets Pro members get rent ready for $1 too. So if you’re a pro member, and it’s also really affordable too if you’re not a pro member. So check out rent ready. We have to take a short break, and when we come back, we’re going to discuss some more advice for rookies and what they can do if they want to get started. Okay. We are back and thank you guys so much for taking the time to check out our show sponsors during these ad breaks. Okay, Nicole, so you’ve surrounded yourself with an investor community to help grow your investing. Throughout the episode, you’ve given us multiple examples of how that has really helped your business. Why should a rookie investor find a community or a group of investors to connect with? Why shouldn’t they just go out and do everything on their own?

Nichole:
Yeah. Question Ashley. I think, and I were just talking about that this morning, it’s actually not about houses at all. Everything we do in real estate almost has nothing to do with the property itself, but the relationships that surround the property, right? If you’re investing and you’re going to be a landlord, well then your tenants are a crucial piece of what you have going on. If you’re buying flips, then you have a relationship with the seller and the contractor. And if you want a good reputation, you should probably have a good standing with the future buyer, right? Relationships through and through are the heartbeat and the thread of real estate investing. And so finding a community and your footing in a real estate investing community can be such a game changer in setting you apart and ensuring that you don’t make mistakes that a bunch of other people made before you.

Nichole:
So our version of that is we go to investor meetups. There was a longstanding meetup in our community that had been meeting already for years. We showed up, figured out how we could pitch in and be helpful. Once again, value add is the name of the game for us, value add on properties, and also value add in relationships. So we became so valuable to that investor community that we actually get to host that space now. So we gather anywhere between 60 to 200 investors every single month in the state of Washington, and we host spaces, we bring in great speakers to teach us all the things we don’t know how to do. And the plus side of being the host of that is I get to ask all the questions that AJ and I have. So it’s like free consulting with top level investors. You bring them in to talk and you get to ask all your great questions.

Nichole:
What do you think you’re doing with you guys right now? Yes, exactly. But folks want to share what they know, and that has been such a big space. So that’s called warri Washington Real Estate Investing. It’s a Facebook group turned into an in-person meetup, and it has been hands down, probably the largest launcher for us in our investing because you build relationship with people that you can just ask questions to, and they’re so excited to give you all of their resources, right? The budget sheet that AJ’s referring to that we use to build out the scope of our projects somebody else made that we didn’t build out that spreadsheet. Somebody else gave us that tool, and we get to benefit from it every day.

Tony:
Yeah, I think community is such an important part for folks who are on the beginning part of their journey because for so many Ricky investors, you almost feel like you’re doing it by yourself, and you don’t have maybe that best friend who’s right by your side and doing it with you. You kind of learn real estate in a vacuum, but I think real estate becomes so much more approachable and tangible and realistic when you can have conversations with people who are actually doing it, and it feels like something you can actually accomplish when you can shake someone’s hand who said, oh, yeah, I just did this thing that you’ve been afraid to do for the last however long. So love the value of community. Aj, what about you? I know you said you guys have a flip that you’re one sided walk away from being done on, but maybe give us a quick update. What’s been going on in this last project you guys are working on?

AJ:
Yeah, that was kind of a long process to get to the closing tip on that one. And I think that’s a lot of where Nicole really brings their value is being able to build relationships and build rapport and help kind of suss out what the problems are. And this particular property had about 10 to 12 people living there, some of them not so invited. There was an RV that was on the property and just some individuals that maybe weren’t necessarily treating the people on the property around them with the same level of respect as maybe what the homeowner had wanted. And then the property had fallen into some disrepair as well. And so that one, we got to the closing table. There were some family members that were really involved that really worked hard to also try to help this sweet older gal move on to the next stage in her life.

AJ:
Well, and that part of that was helping her get some of these people off the property as well. We provided some resources to them, but they definitely stepped in to help take care of the folks that were around the property that shouldn’t have been there, but they came back to the property and did take some things that after closing was kind of we were going to keep, but in the end, it wasn’t necessarily a huge impact to us. It was just kind of par for the course. It just kind of comes with the territory when you’re dealing with properties that might have a level of distress. Distressed properties are typically just a byproduct of distressed people, and that’s why taking care of the people are so important, at least to us, because those people are really the important part of the process. That’s the most important part for us at least. So yeah, that property, we quickly got dumpsters onto the property before we even closed on it to give the family members a place to put things that they weren’t going to take. And then after the fact, we quickly tried to remove everything from the inside of the house so that there would be less incentive for people to come back.

Tony:
Let me ask guys, Rick, you’re mentioning some issues that I think as a first time investor would’ve thrown you off your game, and it feels like, man, the world’s coming to an end. But now as a more experienced investor just kind of rolls off your back. What do you guys know now after having done multiple of these types of projects, regular flips live and flips your property, managing, what do you know now that you wish you would’ve known on that first project that you stepped into?

AJ:
Yeah, I think what we know now, I kind of wish that we know a little bit more at the beginning was it’s really not that serious. I think some of the things that feel like really big problems, once you’ve dealt with ’em a time or two, they ended up really not being that big. They’re just another problem that you have to solve. And so when you find those problems, then at least how to solve them. At least that’s for me. I dunno if you have something different.

Nichole:
Yeah, I think there’s this concept of trust but verify, right? That’s something I wish we knew straight out of the gates on our very first project that live and flip, where we lived in the rv, in the driveway, we had a contractor steal from us then too. So now as we’ve spent more time and we’re a little bit more strategic in our investing, we trust but verify if we have a new contractor or a new company working with us, or even if we’re working with the seller and they’ve said they were going to go do something, we show up and go look. So we are local investors. We usually invest within 20 to 30 minutes of our personal home, which means we get to be on site. And then the last thing I love about this is if you’re investing anywhere, meet the neighbors.

Nichole:
If you’re going to buy a home, even if you’re going to keep it as a long-term rental or you’re going to flip the house, meet the neighbors, they become your biggest resource in my opinion. And if you build great relationship, I’m talking, I send the neighbors of our flip coffee cards every time our contractor pulls into their driveway accidentally, I’m sending them thank yous, I’m giving ’em phone calls, checking in on them, but they are end up being your eyes and ears when you are not around. So sure, you might end up with a few extra phone calls of complaints from a neighbor that says the hammer was swinging a little too late, but I’d rather them call me than them call the cops. So that’s my other tidbit for a rookie investor is build relationship. Wherever you go, have a high level integrity, and if you leverage that and keep that reputation, it’s definitely going to serve you in the end.

AJ:
Adding onto that, just briefly too, part of that trust but verify process is to get everything in writing. If it’s not in writing, you have nothing to go back on. If it didn’t turn out like you wanted or didn’t turn out like you agreed, if you just had a handshake deal on something or you just talked about it when you’re at the property with somebody but never got it in writing, ultimately that’s on you. If it doesn’t turn out like you wanted because you have nothing to go back on and stand on and say, no, we agreed to X, and the contract or whoever that other person says, well, I remember it this way. If you don’t have it in writing, it is not real.

Ashley:
Well, Nicole and aj, thank you so much for sharing your advice with rookie investors and coming on today. Can you let everyone know where they can reach out to you and find out more information about your journey?

Nichole:
Absolutely. Instagram’s probably the best way to find us. We’re on Instagram. I’m at Nicole Fran Anisa. Yeah. And

AJ:
I’m at Anthony Fran,

Nichole:
And we’d love to connect. Hit us up in the dms. We’ll see you at the conferences out there in the wild. But truly thank you guys.

Ashley:
Are you going to be at BP Con?

Nichole:
We want to go to BP Con. We might be there.

Ashley:
Okay. Yeah, we’d love to see you guys there, and I’m sure everyone listening would love to connect with you guys at a BP Con. Well, thank you guys so much for joining us today. I’m Ashley. He’s Tony, and we’ll see you guys on the next episode.

 

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Suno argues none of the millions of tracks made on its platform ‘contain anything like a sample’


AI music generator Suno is fighting back against copyright infringement claims from independent artists – with a bold legal argument that could reshape the AI music debate.

The indie artist class action lawsuit – filed by Anthony Justice and 5th Wheel Records in June 2025 – specifically targets the impact of AI training on the music of independent artists.

Yet in a motion to dismiss filed in federal court on August 18, Suno argues that the indie artist lawsuit “fails as a matter of law” and should be dismissed.

That’s because, it says, music made on Suno doesn’t actually sample existing recordings – regardless of what music was used to train its AI model.

This represents a potentially game-changing legal strategy: Suno claims that even if its AI learned from copyrighted songs, the outputs it generates are entirely new sounds that cannot infringe existing recordings under copyright law.

Suno’s filing, obtained by MBW, can be read in full here.

The motion represents the latest salvo in ongoing legal battles over AI training on copyrighted music, with Suno already defending against a separate lawsuit filed by major labels Universal Music Group, Sony Music Entertainment, and Warner Music Group in June 2024.

That RIAA-backed lawsuit remains active and focuses solely on fair use arguments around AI training.

Suno argues indies’ lawsuit introduces legally flawed claims

Suno’s motion argues that the independent artist case is essentially a copycat lawsuit that follows the RIAA case – but adds a problematic new legal theory.

Unlike the ongoing RIAA case, which focuses solely on whether AI training practices are legal, Justice and other independent artists are trying to argue that specific songs generated by Suno’s AI (‘outputs’) substantially copy their original recordings.

At the heart of Suno’s argument is Section 114(b) of the Copyright Act, which has special protection rules for sound recordings that are different from all other types of copyrighted works.

“Plaintiffs would need to allege that the output did not merely sound similar or even identical to the original, but that it actually contained a ‘sample’ from the original, in the manner of a collage… that is categorically not how Suno’s tool works. It exclusively generates new sounds, rather than stitching together samples.”

Suno motion to dismiss

Suno’s lawyers argue: “What [the Copyright Act stipulation] means for this litigation is that in order to plead that a given output of Suno’s AI tool infringed the rights in one of the works-in-suit, Plaintiffs would need to allege that the output did not merely sound similar or even identical to the original, but that it actually contained a ‘sample’ from the original, in the manner of a collage.”

The filing emphasizes: “But… that is categorically not how Suno’s tool works. It exclusively generates new sounds, rather than stitching together samples.”

It reiterates: “The only way a new recording can infringe the rights in a pre-existing one [under the US Copyright Act] is if it borrows the actual sounds of the original… that is not how Suno’s tool works at all, as Plaintiffs well know. No Suno output contains anything like a ‘sample’ from a recording in the training set, so no Suno output can infringe the rights in anything in the training set, as a matter of law.”

This technical distinction forms the core of Suno’s bold legal argument that its AI-generated music cannot legally infringe existing sound recordings, regardless of how similar the outputs might sound to copyrighted works – and regardless of what music was used to train its AI model.

Significantly, Suno’s filing highlights two recent federal court victories for AI companies on fair use grounds, noting that “nine days after this Complaint was filed, the first federal court to address that overarching issue decided on summary judgment that using millions of copyrighted books to train a generative AI model was fair use.”

The motion references the June 2025 ruling in Bartz v. Anthropic PBC, where a California federal judge found AI training to be protected fair use, followed by a similar decision in Kadrey v. Meta Platforms.

U.S. Copyright Office report cited in original lawsuit

The independent artists’ lawsuit relies heavily on a May 2025 report from the U.S. Copyright Office that questions whether AI training on copyrighted works qualifies as fair use, particularly for music generation.

The Copyright Office report states that “the fair use doctrine does not excuse unauthorized training on expressive works (e.g., music) particularly when those works are used to generate substitutional outputs that may replace the originals in the relevant marketplace.”

However, Suno’s motion to dismiss notes that subsequent court rulings have sided with AI companies on fair use grounds, potentially undermining the Copyright Office’s analysis.

In August 2024, both Suno and Udio argued that their use of copyrighted materials fell under fair use protections while acknowledging they trained their models on copyrighted recordings.

The broader legal battle over AI music generation continues to unfold across multiple federal courts, with the outcome likely to shape how the music industry approaches licensing and partnership deals with generative AI platforms going forward.

Suno is also facing a copyright lawsuit from Germany’s GEMA collection society, filed in January 2025, adding to its international legal challenges.

Despite the controversies, Suno continues to develop its platform, recently launching V4 with improved audio quality and naming Timbaland as a strategic advisor.Music Business Worldwide

New American Funding launches affiliated insurance agency



New American Funding announced the launch of an insurance affiliate, which will offer homeownership coverage, alongside a range of other protections.

In a deal with insurance distribution firm The Baldwin Group, New American will sell primary property coverage in addition to products to guard homeowners against flood and wind damage. The affiliate, named NAF Insurance Services, will also make available auto, boat, pet, life and disability coverage. 

The addition of the new business comes as homeowners grapple with challenging levels of affordability, with high housing costs compounded by fast-rising property taxes and insurance rates. NAF will partner with over 50 different carriers across all 50 states to help customers seeking cost savings, it said.  

“Rising insurance rates are challenging for many families, but they shouldn’t have to settle for less protection or higher costs,” said Jeff Kvalevog, chief strategy officer for New American Funding, in a press release. 

“With the support of The Baldwin Group, NAF Insurance Services is designed to simplify the client experience and help customers find coverage they can trust without added stress,” he added. 

In addition to his C-suite role with the Tustin, California-based lender, Kvalevog will also serve as president of the new insurance affiliate.  

NAF Insurance will work closely with the New American mortgage team, designating a dedicated representative to assist clients of each lending officer, branch and sales region. Spanish-speaking insurance advisors will also be available to provide services when needed.

The effect of rising insurance costs

New American’s new business launch comes as the rising cost of insurance premiums emerge as a possible barrier to the homeownership goals of many potential buyers. In the three-year stretch between 2021 and 2024, the annual cost of homeowners’ coverage accelerated by 24% across the country when compared against the previous 36 months, according to the Consumer Federation of America.

CFA also determined homeowners in one-third of U.S. ZIP codes saw premiums spike by more than 30%. 

In a separate study released earlier this year, mortgage fintech Maxwell found a majority of homeowners would consider selling their current properties if insurance costs continued accelerating at the current pace. Close to half were also concerned about their ability to keep up with monthly housing payments at the rate insurance and property taxes were rising. 

Helping drive the precipitous increase of homeowners insurance is the decision of some of the largest carriers to cease doing business in disaster-prone areas in recent years that left few affordable options available to residents. 

As home lending has slowed since the pandemic-era housing boom, some mortgage companies have also leaned into other business segments — including insurance — as a source of new revenue. New American joins Rate, which in 2024 expanded the scope of its long-standing insurance business to extend coverage beyond property protection through a digital marketplace.  



How Physicians Are Using The New ChatGPT Agent Mode



I don’t usually geek out over tech updates, but I have to say, I’m genuinely excited about ChatGPT’s new Agent Mode. Not just because it’s shiny and new, but because it actually solves some real problems.

This isn’t just another ChatGPT update. Agent Mode is a serious upgrade that bridges the gap between “ideas” and “execution.” For someone juggling clinical work, business projects, and family life, this has become a quiet game-changer behind the scenes.

Here’s what it is, how to activate it, and the many ways to use it that will save time, reduce stress, and get more done—both in medicine and in everyday life.


Disclaimer: While these are general suggestions, it’s important to conduct thorough research and due diligence when selecting AI tools. We do not endorse or promote any specific AI tools mentioned here. This article is for educational and informational purposes only. It is not intended to provide legal, financial, or clinical advice. Always comply with HIPAA and institutional policies. For any decisions that impact patient care or finances, consult a qualified professional.

What is Agent Mode and How to Enable it

The key here is that “it can take action“.

ChatGPT Agent Mode is like giving your AI the power to not just think, but do. It can research real websites, dig through your uploaded files, and even pull info from tools like email or cloud docs. Then it takes action. Filling out forms, editing spreadsheets, organizing info—without you lifting a finger. And you stay in full control the whole time.

How to Enable Agent Mode

  1. Log into ChatGPT (Pro, Plus, or Team plan required).
  2. Open any chat.
  3. Click the “Tools” dropdown next to the message box.
  4. Select “Agent mode.”
  5. Type a task (example: “Compare three short-term rental properties in San Diego, estimate cash flow for each, and put it into a simple spreadsheet I can review”)
  6. Hit Enter and let it run.
  7. You can pause, stop, or guide it at any point.

Pro Tips:

  • Agent Mode can run tasks on a schedule. After completing a task, just click the Clock icon in the bottom right of the conversation to choose how often it repeats—daily, weekly, or monthly.
  • It cites its sources. Every time Agent Mode pulls data from the web, it includes clickable citations or screenshots of the source. This isn’t just helpful—it’s essential if you’re using it for clinical, legal, or investment-related research.

Five Ways ChatGPT Agent Mode Helps Physicians at Work

1. Summarize Up-to-Date Medical Research

Regular ChatGPT uses its training data, which might be outdated. Agent Mode actually searches trusted sites like PubMed or the CDC to provide a current summary.

Prompt to try: “Find and summarize the 2024 ADA guidelines for Type 2 diabetes.”

2. Build Professional Slide Decks Automatically

Instead of just giving you bullet points, Agent Mode creates a formatted presentation file with slide titles, bullet points, and speaker notes.

Prompt to try: “Make a 10-slide presentation for primary care residents on CKD.”

3. Generate Referral Letters or Fillable Forms

Agent Mode takes a prompt and creates a downloadable document that’s customized to your request, saving time on admin tasks.

Prompt to try: “Fill out a referral letter to cardiology for a patient with uncontrolled hypertension (no PHI).”

4. Create Patient-Friendly Handouts

Instead of overwhelming patients with medical language, Agent Mode tailors explanations to specific reading levels and formats them for print.

Prompt to try: “Make a one-pager on AFib for a 65-year-old with an 8th-grade reading level.”

5. Summarize Long Emails or Meeting Threads

Paste in a thread or upload a document, and Agent Mode breaks it down into themes, action items, and deadlines—like meeting minutes, but done for you. Just make sure the pasted content has no private info, especially if it came from your EHR or includes names/emails.

Prompt to try: “Summarize this inbox thread and tell me what I need to respond to.”

Three Practical Ways to Use ChatGPT Agent Mode in Daily Life

1. Plan Detailed Travel Itineraries

Agent Mode doesn’t just suggest places. It builds a full trip plan, compares driving times, links hotels and restaurants, and organizes everything.

Prompt to try: “Plan a 4-day family trip to Yosemite with hikes, meals, and driving times.”

2. Analyze Real Estate or Side Hustle Investments

Want help evaluating properties? Agent Mode can pull listings, build spreadsheets, and estimate ROI.

Prompt to try: “Analyze 3 short-term rental properties in Scottsdale and compare projected cash flow.”

3. Automate Household Planning and Lists

Forget manually typing out your grocery list. Agent Mode can do it from your meal plan and organize it by store section.

Prompt to try: “Create a grocery list from this week’s dinner plan and format it by section.”

Privacy and Safety Guidelines for Using Agent Mode

  • You are still responsible for the output. Always review the results carefully before using them professionally.
  • Do not input any protected health information (PHI). Agent Mode is not HIPAA-compliant.
  • Avoid uploading screenshots with patient names or identifiers.
  • Control the virtual browser for sensitive info
    • Need to log in somewhere or enter a password? You can click “Take over browser” in the top right menu (“…”) during a task. While in control, no screenshots are taken, and your login details stay private. You can also clear cookies and sign out of all sites under your data settings.
  • Agent Mode takes screenshots
    • When Agent Mode uses the virtual browser, it takes screenshots to “see” and interact with websites, just like a human would. These screenshots are stored with your chat history, so avoid including any sensitive or private information on-screen during tasks.
    • Your chats, browsing history, and any screenshots Agent Mode takes are saved in your conversation history. If you ever want to delete them, just delete the chat, and it wipes everything tied to it.
  • Review privacy and safety before using Connectors
    • Only enable connectors you really need.
    • Don’t log into sensitive sites unless necessary.
    • Avoid vague prompts like “handle all my emails.”
    • Regularly review connector permissions in your settings.
    • Clear the remote browser after sensitive tasks.

Unlock the Full Power of ChatGPT With This Copy-and-Paste Prompt Formula!

Download the Complete ChatGPT Cheat Sheet! Your go-to guide to writing better, faster prompts in seconds. Whether you’re crafting emails, social posts, or presentations, just follow the formula to get results instantly.

Save time. Get clarity. Create smarter.


Agent Mode vs Regular ChatGPT: Feature Comparison

Task Regular ChatGPT ChatGPT Agent Mode
Medical Guidelines Gives general info Pulls real-time data from trusted sources
Slide Decks Provides outline Builds actual PowerPoint files
Referral Letters Offers generic text Fills and formats downloadable documents
Travel Planning Suggests places Builds full itinerary with links and maps
Rental Analysis Explains concepts Pulls listings and runs financial analysis

Final Thoughts

This is just the beginning. The more you use ChatGPT Agent Mode, the more you’ll find ways to integrate it into your workflow, sometimes in ways you didn’t expect.

Have you found a creative or time-saving way to use Agent Mode? Share it. I’d love to collect a few real-world use cases from our community to highlight in a future guide. Tell us down in the comments!

If you want to learn more about AI and other cool AI tools, make sure to subscribe to our newsletter! We also have a free AI resource page where we share the latest tips, tricks, and news to help you make the most of technology.

To go deeper, check out PIMDCON 2025 — The Physician Real Estate & Entrepreneurship Conference. You’ll gain real-world strategies from doctors who are successfully integrating AI and business for massive results.

See you again next time! As always, make it happen.

Disclaimer: The information provided here is based on available public data and may not be entirely accurate or up-to-date. It’s recommended to contact the respective companies/individuals for detailed information on features, pricing, and availability. This article is for educational and informational purposes only. It is not intended to provide legal, financial, or clinical advice. Always comply with HIPAA and institutional policies. For any decisions that impact patient care or finances, consult a qualified professional.

IF YOU WANT MORE CONTENT LIKE THIS, MAKE SURE YOU SUBSCRIBE TO OUR NEWSLETTER TO GET UPDATES ON THE LATEST TRENDS FOR AI, TECH, AND SO MUCH MORE.

Peter Kim, MD is the founder of Passive Income MD, the creator of Passive Real Estate Academy, and offers weekly education through his Monday podcast, the Passive Income MD Podcast. Join our community at the Passive Income Doc Facebook Group.

Further Reading