Loan Officer Freedom
452 episodes - English - Latest episode: 21 days ago - ★★★★★ - 736 ratingsPowered by Mortgage Marketing Animals
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Episodes
Loan Officer Bootcamp Events Flat Out Work
June 26, 2024 10:00 - 26 minutes - 49.2 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White sits down with Erron Saucier, a seasoned mortgage professional, to discuss his innovative approach to boosting mortgage business through boot camps. The program, inspired by the Daily Success Plan, focuses on mortgage marketing strategies and loan officer coaching to help loan officers improve their productivity and success. The boot camp format o...
How They Recruited 50 LOs In 6 Months
June 24, 2024 10:00 - 36 minutes - 68.1 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White interviews Wayne King and Paul Marsh, founders of Encompass Lending Group, discussing their successful strategies for attracting established loan officers to join their team. They delve into the importance of shameless self-promotion in the mortgage industry and the significance of having a clear value proposition when recruiting loan officers. Wa...
Going from 6 per month to 20 this month
June 19, 2024 10:00 - 30 minutes - 56.1 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White sits down with John Moore and Nick Rocco, to discuss their successful partnership in the mortgage industry. They emphasize the importance of their partnership in balancing work and life, leveraging each other's strengths, and holding each other accountable. They attribute their recent success in closing loans to following the Daily Success Plan (D...
Using Virtual Assistants To Close More Loans
June 17, 2024 10:00 - 31 minutes - 59.2 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Richard Smith discuss the importance of virtual assistants for loan officers in the mortgage industry. They highlight the benefits of hiring virtual assistants from the Philippines, who are skilled in making outbound calls, scheduling appointments, managing calendars, and providing customer support. Richard shares insights on how virtual assi...
Finally, The Wind Is In Our Sails with Rick Riddle
June 12, 2024 10:00 - 29 minutes - 54.6 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White interviews Rick Riddle, a co-founder of Crown Home Mortgage, discussing various aspects of loan officer training, mortgage marketing, and loan officer coaching. Rick shares insights into their unique approach to training loan officers, including implementing contests and tracking systems to motivate and recognize their team members. They also touc...
The Daily Success Plan: A Loan Officer's Return to Production
June 10, 2024 10:00 - 33 minutes - 62.7 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White sits down with Richard Smith, a seasoned loan officer who has recently jumped back into personal production after years as a branch manager. Richard discusses his strategy of reaching out to new referral partners, utilizing a qualified agent list, and hiring a virtual assistant to schedule appointments with real estate agents. Through consistent f...
How Nate Carver Transformed His Business Through Real Prospecting
June 05, 2024 10:00 - 13 minutes - 25.3 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White focuses on the importance of prospecting for loan officers. He emphasizes the significance of real prospecting activities in generating leads and closing loans successfully. He also highlights the impact of dedicating time to genuine prospecting efforts, such as engaging with past databases and referral partners actively involved in business. Add...
How To Close 79% of Every Home Buyer That You Talk Too
June 03, 2024 10:00 - 16 minutes - 30.8 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Kristin Simpson discuss the importance of loan officers answering their phones promptly to secure leads and close deals successfully. They highlighted the significance of utilizing answering services, assistants, or pooling resources to ensure all incoming calls are attended to promptly. They also emphasized the need for loan officers to be p...
Resetting the Mental Picture of Self-Worth
May 29, 2024 10:00 - 18 minutes - 34.4 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Kristin Simpson discuss the importance of self-worth and how it impacts various aspects of life, including relationships, success, and personal growth. Carl shares a story about a friend in an abusive relationship to illustrate the concept of accepting the love and success one believes they are worthy of. He emphasizes the need to reset one's...
How To Expect The Best and Get The Best
May 27, 2024 22:00 - 17 minutes - 32.3 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Kristin Simpson discuss the concept of confirmation bias and its impact on various aspects of life, including relationships and business. They delve into how individuals tend to seek out information that confirms their existing beliefs or fears, hindering their ability to see opportunities and positive outcomes. They also emphasize the import...
Revolutionizing Loan Officer Marketing with Video: Expert Insights
May 22, 2024 10:00 - 21 minutes - 39.2 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Steve Kyles discuss the importance of video marketing for loan officers and mortgage professionals. Carl emphasizes the need for loan officers to utilize video marketing to build personal connections, enhance trust and credibility, and drive social media traffic. He shares valuable insights on the effectiveness of video marketing strategies, ...
Ask for Them!
May 20, 2024 10:00 - 11 minutes - 20.5 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White focuses on the importance of obtaining great reviews for loan officers and mortgage professionals. He emphasizes the significance of asking for reviews and providing a formula for clients to follow when leaving feedback. He highlights the four-part formula for reviews: where the client started, their challenges, how the loan officer helped, and th...
Balancing Home and Work Relationships
May 15, 2024 10:00 - 8 minutes - 15.7 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White shares a life-changing conversation he had with his niece about the importance of distinguishing between roommate issues and marriage issues in relationships. He emphasizes the impact of maintaining a harmonious home life on work performance, highlighting the interconnectedness of personal and professional spheres. By understanding the difference ...
Control What You Can Control
May 13, 2024 10:00 - 9 minutes - 17 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White emphasizes the importance of selling what's on the shelf, maintaining profitability, and saving 25% of personal net income. These strategies are highlighted as key factors that loan officers can control to navigate through fluctuating rates and market conditions. He also shares insights on how focusing on getting more customers, managing profitabi...
I Left You a Review
May 08, 2024 10:00 - 4 minutes - 8 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White shares a simple yet effective strategy for loan officers to generate referrals and strengthen relationships with real estate agents. The strategy involves leaving online reviews for the buyer's agent and listing agent after a closing, followed by a call to express appreciation and potentially set up a coffee meeting or ask for referrals. This appr...
Overcoming the Fear of Rejection
May 06, 2024 10:00 - 23 minutes - 44.1 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Steve Kyles discuss the key factor that separates top loan officers from the rest: overcoming the fear of rejection. They delve into ten essential strategies to help loan officers tackle rejection and achieve success in their careers. Key Points Covered: Understanding that rejection is a normal part of the sales process. Shifting mindset ...
You Have To Risk It
May 01, 2024 10:00 - 10 minutes - 19 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White emphasizes the importance of taking action and pushing through rejection or failure to achieve success as a loan officer. He discusses the significance of effective communication with referral partners, particularly real estate agents, to generate more business and help families secure home loans. He also highlights the benefits of role-playing an...
My Secret Question
April 29, 2024 10:00 - 10 minutes - 20.3 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White discusses the importance of having the right team members to help loan officers close more loans efficiently. He emphasizes the significance of asking the question, "Do I have the right person helping me?" to ensure success in the mortgage industry. He also highlights the benefits of shared assistants for loan officers who may not be able to affor...
Facebook Ad Secrets
April 24, 2024 10:00 - 25 minutes - 48.2 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White interviews Chelsea Gardner, a Facebook ads expert specializing in the mortgage industry. Chelsea shares insights on running successful Facebook ads for loan officers, emphasizing the importance of targeting custom audiences and choosing the right objectives for ad campaigns. The discussion covers the "Teach, Touch, Tell, Sell" method for ad conten...
Getting Realtor Performance Numbers
April 22, 2024 10:00 - 33 minutes - 61.9 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Chris Johnstone discuss the guaranteed way to meet with top real estate agents. They delve into the importance of marketing to real estate agents, focusing on qualified agents who have a higher likelihood of generating business. Chris introduces the AI-powered Loan Officer CRM, which allows loan officers to easily search and pull data of qual...
Getting More Loans Through SEO
April 17, 2024 10:00 - 40 minutes - 75.2 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Chris Johnstone dive into the world of SEO and how it can help loan officers get more loans. They discuss the importance of ranking on Google and the upcoming shift towards AI search engines. Chris shares valuable insights on how to influence Google rankings and the significance of local authority in SEO. They also touch on the pros and cons...
The Random Act of Coolness
April 15, 2024 10:00 - 26 minutes - 48.9 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Frank Garay discuss the incredible success and impact of the Loan Officer Breakfast Club. They delve into the origins of the club, its unique features, and the positive and uplifting atmosphere it provides for loan officers in the mortgage industry. With over 25,000 registrants and a daily live Zoom call, the Breakfast Club has become a valua...
What CRM Should I Use?
April 10, 2024 10:00 - 31 minutes - 58.3 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Chris Johnstone discuss the importance of choosing the right CRM for loan officers. They delve into the benefits of using a CRM, the features of their own CRM, and how it can revolutionize your mortgage business. They also share their insights on database marketing, the effectiveness of past database campaigns, and the impact of AI technology...
Trigger Leads Update
April 08, 2024 10:00 - 32 minutes - 59.6 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White and Owen Lee discuss the latest updates on Triggerlead legislation. They delve into the intricacies of trigger leads, the problems associated with them, and the proposed solutions. Owen provides insights on the progress of the bill and its potential impact on loan officers. Join us as we uncover the details of the Homebuyers Privacy Protection Ac...
Maximizing Your Prospecting Time: Should You Target CPAs?
April 03, 2024 10:00 - 7 minutes - 15.3 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White discusses the age-old question: Should loan officers spend part of their prospecting time looking for CPAs? As tax season approaches, the debate between focusing on real estate agents versus CPAs becomes more relevant. Carl shares his insights on the pros and cons of working with CPAs, emphasizing the importance of prioritizing prospecting efforts...
Just Go Get More
April 01, 2024 10:00 - 7 minutes - 13.2 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White shares the greatest business advice he ever received that transformed his business "Just go get more". Carl emphasizes the importance of focusing on getting more referral partners, leads, and closings to achieve success with less stress. Stay tuned to learn how you can apply this advice to your own business and start seeing remarkable results. Tu...
How This Broker Books 15 to 20 Appointments Per Week as a One-Man Show
March 27, 2024 10:00 - 37 minutes - 70.3 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White sits down with Jason Scott, a successful mortgage broker with 17 years of experience. Jason shares his insights on how he manages to schedule 15 to 20 appointments per week by utilizing a proactive approach with his database. Through outsourcing and leveraging technology, Jason has been able to consistently close deals and maintain a strong pipeli...
Adapting to the New NAR Settlement: A Loan Officer's Perspective
March 25, 2024 10:00 - 35 minutes - 65 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White sits down with Brian Stevens from MortgageShots.com to discuss the recent NAR settlement. They delve into the implications of the new NAR settlement on the real estate industry and how it affects loan officers and branch managers. Brian provides valuable insights and predictions on the changing landscape of real estate commissions and the potentia...
Work-cation with Kristin Simpson
March 20, 2024 10:00 - 27 minutes - 51.4 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Kristin Simpson discuss the concept of a "workcation" and its significance in evaluating team dynamics and focusing on prospecting activities. They delve into the benefits of stepping away from the office to allow team members to excel and identify areas for improvement. Join them as they share insights on the power of empowering your team an...
Let's Get Naked
March 18, 2024 10:00 - 39 minutes - 73.3 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White sits down with Robert Fillyaw to share their biggest screw-ups in the mortgage industry. From hiring mistakes to strategic blunders, they discuss the valuable lessons learned from their failures. Join them as they delve into the importance of perseverance, overcoming insecurities, and the power of taking risks. Tune in to discover how embracing m...
Going From 2 to 11 in 90 Days
March 13, 2024 10:00 - 44 minutes - 81.7 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White sits down with Adam Hawkins, a loan officer who shares his incredible journey from closing two loans to an impressive eleven loans in just 90 days. Adam discusses his transition from the banker world to the broker world, the importance of having a tried and true system, and the impact of overcoming call reluctance. Tune in to discover the key stra...
Get your Monkey Out of My Office
March 11, 2024 10:00 - 14 minutes - 27.7 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Steve Kyles discuss the importance of not allowing others to leave their "monkeys" in your office, symbolizing unresolved issues. Discover how empowering your team to take ownership of problems can lead to increased productivity and success. Stay tuned for practical tips on handling workplace challenges and taking control of your professional...
Home-Field Advantage
March 06, 2024 11:00 - 27 minutes - 51.4 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Steve Kyles dive deep into the number one thing that holds loan officers back: toxic relationships. They discuss the importance of identifying toxic individuals, forgiving them, and extending grace to heal from past wounds. Through personal stories and insights, they emphasize the power of surrounding yourself with positive influences and tak...
How to Close More Loans with Qualified Agents
March 04, 2024 11:00 - 11 minutes - 20.4 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White shares some eye-opening statistics about the importance of working with qualified real estate agents to boost your loan closing numbers. Discover the difference between targeting unqualified versus qualified agents and learn how focusing on just one new qualified agent per month can significantly increase your income. Stay tuned to find out how yo...
Octopus Marketing
February 28, 2024 11:00 - 25 minutes - 47.3 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Kristin Simpson dive into the concept of octopus marketing. They discuss the power of utilizing multiple marketing channels to feed one central goal, just like an octopus uses its eight arms to survive and thrive. Join Carl and Kristin as they share insights on how to implement octopus marketing in the mortgage industry and achieve success th...
The BS Detector
February 26, 2024 11:00 - 14 minutes - 26 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White shares his secret weapon for staying focused and productive in his mortgage business - the BS detector. Join Carl and Kristin as they discuss how to use this tool to ensure that your activities are driving traffic, building relationships, and ultimately leading to more closable deals. Stay tuned to learn how to call BS on yourself and maximize you...
How it All Started
February 21, 2024 11:00 - 31 minutes - 57.8 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White shares the fascinating journey of how Mortgage Marketing Animals and Freedom Club came to be. From his initial aspirations of becoming a school teacher to achieving remarkable success in the mortgage industry, Carl delves into the pivotal moments that led to the creation of these impactful coaching and mastermind groups. Join us as we explore the ...
Are you doing sales activity?
February 19, 2024 17:33 - 30 minutes - 56.9 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Kristin Simpson dive into a crucial topic: the distinction between marketing activity and sales activity. They discuss the importance of focusing on effective sales activities that lead to closed loans, rather than getting caught up in flashy marketing tactics that may not yield tangible results. Join them as they share insights and real-life...
Green Time, Red Time: Maximizing Productivity in the Mortgage Business
February 14, 2024 11:00 - 32 minutes - 60.3 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White is joined by his friend Mark Pfeiffer to discuss the concept of Green Time and Red Time. They share their personal experiences with tracking their daily activities and how it has transformed their mindset and productivity. They emphasize the importance of being honest with oneself and consistently dedicating time to prospecting and building relati...
The 10 Minute Quickie episode with Devin Dubuc
February 12, 2024 11:00 - 11 minutes - 20.4 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White is joined by Devin Dubuc for a speed round of questions. They dive into topics like generating business from networking with top-tier agents, building relationships through follow-up and communication, utilizing CRM tools effectively, overcoming friction in the loan officer process, and the importance of having a pre-approval specialist. If you're...
More Loans By Using Podcasting with Devin Dubuc
February 07, 2024 11:00 - 29 minutes - 55.7 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White sits down with guest Devin Dubuque to discuss the power of podcasting for loan officers. They delve into the equipment needed, the types of guests to invite, and the topics to cover. Devin shares his experience with his own successful podcast and how it has helped him build relationships with top-tier real estate agents. Tune in to learn how podc...
Lessons from a Five-Year-Old
February 05, 2024 11:00 - 12 minutes - 22.5 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White shares a powerful message about the importance of asking for the business and overcoming feelings of unworthiness. Drawing inspiration from a young child's ability to forgive themselves and persistently ask for what they want, Carl encourages loan officers to let go of past mistakes and embrace their worthiness. He also offers insights into effect...
The 5-5-5 Plan To Close More Loans
January 31, 2024 11:00 - 18 minutes - 34 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White is joined by Mortgage Mark, also known as Mark Pfeiffer, from CMG in Dallas, Texas. They discuss the 555 program, a strategy implemented by Mark's team to increase referrals and strengthen relationships. Mark shares how the program was developed and the impact it has had on their business. They also touch on the power of handwritten thank you ca...
What's Holding You Back
January 29, 2024 18:12 - 30 minutes - 56.7 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Carl White is joined by his dear friend Mark Pfeiffer, a successful mortgage professional with over 20 years of experience. Together, they discuss the topic of what holds loan officers back from achieving epic success. They delve into the importance of prioritization, accountability, and maintaining a clear vision for the future. They also share their insig...
Cool AI Stuff
January 24, 2024 11:00 - 29 minutes - 55.6 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Chris Johnstone dive into the world of artificial intelligence (AI) and its impact on the mortgage industry. They discuss some incredible AI tools that loan officers can use to enhance their marketing efforts and streamline their business processes. From AI-generated headshots to voiceover technology and video editing tools, they explore the ...
Mapping Out Your Market Share Strategy
January 22, 2024 11:00 - 19 minutes - 35.4 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Kristin Simpson share some exciting news for the mortgage industry. They discuss the predictions for interest rates going back into the fives, the expected increase in home purchases, and the nationwide appreciation of homes. They emphasize the importance of increasing market share and offer valuable insights on how to achieve it. Tune in to...
Close More Loans With These Three Scripts
January 17, 2024 11:00 - 9 minutes - 17.8 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Steve Kyles shares three powerful scripts that can transform your business by increasing conversion rates. Steve emphasizes the importance of optimizing conversion before seeking more leads and provides practical scripts for engaging with agents and clients. By incorporating these designed conversations into your everyday language, you can convert more leads...
Starting Over: A Proven Plan for Success
January 15, 2024 11:00 - 23 minutes - 43.3 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Steve Kyles discusses the importance of having a proven plan for success, especially when starting over in today's competitive marketplace. Drawing from personal experience and industry statistics, Steve emphasizes the significance of focusing on two key areas: agents and the database. By implementing a strategic approach and leveraging these relationships, ...
Answering the Realtor's Question: Why Should I Work with You?
January 10, 2024 11:00 - 3 minutes - 6.8 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your host, Steve Kyles shares a tailored conversation and strategies on how to respond in a way that sets you apart and leaves the realtor eager to learn more. If you've ever encountered a realtor asking, "Why should I work with you?" or "What makes you different?" this episode is a must-listen. Discover the keys to making a lasting impression in this insightful discus...
How to Have a Perfect Conversation
January 08, 2024 11:00 - 21 minutes - 39.5 MBWelcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, your hosts, Carl White and Steve Kyles discuss the art of having the perfect conversation. They share a simple formula that can be applied to various communication channels, such as emails, texts, social media, phone calls, and even teaching classes. The formula, P-P-S-P-A-P, breaks down the key elements of a perfect conversation: purpose, problem, solution, proof, ask...