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BlackRock & China are driving the Bitcoin bull run as U.S. Treasurys get dumped! With BTC hitting $94K and institutions flooding in. We break down what it means for the bitcoin and altcoin market. ➡️ Unlock 13,000 USDT Trading Rewards! https://www.lbank.com/activity/futurestournament/DiscoverCrypto?icode=4M7MZ ➡️  Arculus - https://www.getarculus.com/products/arculus-cold-storage-wallet ●▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬● ➡️ Follow on X - https://x.com/DiscoCryptoLive ➡️  Join Telegram - https://t.me/+vS5uDtG57XpjNDA1 ●▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬● All of our videos are strictly personal opinions. Please make sure to do your own research. Never take one person's opinion for financial guidance. There are multiple strategies and not all strategies fit all people. Our videos ARE NOT financial advice. Our videos are sponsored & include affiliate content. Digital Assets are highly volatile and carry a considerable amount of risk. Only use exchanges for trading digital assets. We never keep our entire portfolio on an exchange. #bitcoin #crypto

Is Bitcoin's true adoption at risk as it surges to $94K? What drives Bitcoin's current price may not be what drives its in the future. We are at a dynamic crossroads in time when institutions are still figuring out what Bitcoin means to them, to the people that came before them, and to the future of money as a whole. In this video, you can hear some perspective from Bitcoiner Jeff Booth as he discusses why Michael Saylor is WRONG about Bitcoin's potential, nature, and role in a future deflationary society. Additionally, there are some counter points from Ulric to some commonly propagated narratives to "defang" Bitcoin's potential at challenging the very definition of money!TIMESTAMP0:00 - 9 Months Ago0:44 - Post Tax Season Bull Push1:44 - How Do You 'Bitcoin'?3:14 - Consequences of Weak Conviction4:41 - Consequences of Mega-Influencers5:55 - The Wealthy Don't NEED Bitcoin7:13 - Avik Roy Justifies Fiat Theft9:08 - Natalie Brunell Justifies Fiat Theft9:41 - Evolution of Influencers and No Coiners10:50 - How to Fast Track Bitcoin Adoption (& Star Wars)11:35 - Jeff Booth Explains Why Saylor Is Wrong

Wrap up 2024's crypto action as Bitcoin steadies near $94K and PEPE surges on Elon's meme play. We dissect MicroStrategy's latest BTC buy, Solana's Q1 challenges ahead, and record DEX volumes. Plus, catch expert predictions on Bitcoin's path to $150K and why NFTs might be your best long-term bet. From institutional adoption to conference insights, we're cutting through the noise to bring you tomorrow's trends today.

Bitcoin secured its first weekly close above $100K before dabbling in some volatility to start this week, and as always, we'll take a look at William Suberg's "5 things to know in Bitcoin this week" article to get up to speed. Additionally, while on Bitcoin, we'll look at the NCPPR pushing another Bitcoin treasury proposal, this time at Amazon. Then it's time for a comprehensive lay of the land with altseason; some argue it has started, some say it's about to get ugly and some are trying to draw our attention to Ethereum, which is showing green flags left and right.Further reading:BTC price back to $94K? 5 Things to know in Bitcoin this weekNational Center for Public Policy Research proposes BTC treasury to AmazonAltcoin season 'leg down will be ugly,' says venture capitalistEthereum poised to copy XRP's 390% rally toward $7.6K nextEthereum ‘impulse breakout' will lead to $15K ETH price in 2025 — AnalystEthereum's chart signals to traders that a new high could hit next weekRise'n'Crypto is brought to you by Cointelegraph and is hosted and produced by Robert Baggs. You can follow Robert on Twitter and LinkedIn. Cointelegraph's Twitter: @CointelegraphCointelegraph's website: cointelegraph.comThe views, thoughts and opinions expressed in this podcast are its participants' alone and do not necessarily reflect or represent the views and opinions of Cointelegraph. This podcast (and any related content) is for entertainment purposes only and does not constitute financial advice, nor should it be taken as such. Everyone must do their own research and make their own decisions. The podcast's participants may or may not own any of the assets mentioned.

What if you could turn five days into a $94K payday? That's exactly what Paula Crossfield did, and she's here to spill the tea on how she pulled it off. In this episode, I'm sitting down with Paula, a Vedic astrologer and business strategist, who leveraged my "Black Friday in a Box" strategy to achieve incredible results in her business. If you've ever felt overwhelmed by the idea of running a big sales campaign or are looking for new strategies to make your next promotion a hit, this episode is for you. Paula breaks down exactly how she prepared for her five-day sales event, the products she included, and the unique marketing tactics she used—both spiritual and strategic.What You'll Learn:Paula's approach to merging astrology with business strategy for better client results.The nitty-gritty of her $94K Black Friday week, from planning to execution.How to structure a five-day sales campaign to maximize revenue.The power of a tiered pricing strategy and having both low and high-ticket offers.Tips for pre-launching and priming your audience for a new offer.How Paula managed to handle a major promotion while traveling and hosting retreats.Resources Mentioned in this Episode:Paula Crossfield's website: https://weaveyourbliss.comFollow Paula on Instagram: https://www.instagram.com/weaveyourblissCosmic Business Podcast: https://weaveyourbliss.com/podcastYour Next Steps:Work with Me: https://www.gemmabonhamcarter.com/programsWhat I Use to Run My Business: https://gemmabonhamcarter.com/toolsLaunch Your Course (Free Class!): https://learn.gemmabonhamcarter.com/class/Build Your Evergreen Funnel: https://learn.gemmabonhamcarter.com/funnel-kit/Create Your Brand Book In a Day: https://cart.gemmabonhamcarter.com/brand-book/ Behind-the-Scenes on Instagram: https://www.instagram.com/gemma.bonhamcarter Support the show

Dustin Row from Songs For Soldiers stopped by to discuss the big show, play a music game and we get chewed out by Disneyfanatics!Man caught filming Galleria dressing room had more than 500 photos and videos of women, police sayI watched my wife beat a man up and now I'm scared of herTSA warns of uptick in concealed ‘cat eyes' keychain weaponThe Chase ATM 'glitch' that went viral is likely check fraud, bank saysRenter Discovers She's Being Evicted After Sending Her Rent Money To The Wrong Person For Over A YearTexas gang members drive to O'Fallon, steal $94K from ATM: PoliceMissouri marijuana regulators issue third product recall in AugustMountain Dew Will Reimburse Your Move to the Mountain Time ZoneSerial ‘Porch Pooper' strikes again, visiting Louisville home two more times Follow us @RizzShow @MoonValjeanHere @KingScottRules @LernVsRadio @IamRafeWilliams > Check out King Scott's band @FreeThe2SG and Check out Moon's bands GREEK FIRE @GreekFire GOLDFINGER @GoldfingerMusic THE TEENAGE DIRTBAGS @TheTeenageDbags and Lern's band @LaneNarrows http://www.1057thepoint.com/Rizz Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dustin Row from Songs For Soldiers stopped by to discuss the big show, play a music game and we get chewed out by Disneyfanatics! Man caught filming Galleria dressing room had more than 500 photos and videos of women, police say I watched my wife beat a man up and now I'm scared of her TSA warns of uptick in concealed ‘cat eyes' keychain weapon The Chase ATM 'glitch' that went viral is likely check fraud, bank says Renter Discovers She's Being Evicted After Sending Her Rent Money To The Wrong Person For Over A Year Texas gang members drive to O'Fallon, steal $94K from ATM: Police Missouri marijuana regulators issue third product recall in August Mountain Dew Will Reimburse Your Move to the Mountain Time Zone Serial ‘Porch Pooper' strikes again, visiting Louisville home two more times   Follow us @RizzShow @MoonValjeanHere @KingScottRules @LernVsRadio @IamRafeWilliams > Check out King Scott's band @FreeThe2SG and Check out Moon's bands GREEK FIRE @GreekFire GOLDFINGER @GoldfingerMusic THE TEENAGE DIRTBAGS @TheTeenageDbags and Lern's band @LaneNarrows http://www.1057thepoint.com/Rizz Learn more about your ad choices. Visit megaphone.fm/adchoices

Owning raw land, timberland, and farmland is often the domain of the wealthy. This is partly because it is difficult to obtain loans for this property. Today, we discuss an income-producing timberland that also tends to increase in value. For under $7,000 you can own quarter-acre parcels of producing teak trees in Panama and Nicaragua. You can invest yourself. All at once, this provides diversification with a hard asset in a foreign nation and a different product type. Over a twenty-five year period, each $7K quarter-acre teak parcel is projected to return $94K. You get title to the property. Learn more at: www.GREmarketplace.com/Teak With ownership of two quarter-acre parcels, you can qualify for a second residency in Panama for under $22K with legal fees, etc. A SFR does not grow into a duplex. But teak trees grow in volume while its unit price typically appreciates. Teak price growth is historically 5.5% annually. I've met the company CEO and Chairman in-person. This provider has offered this opportunity for 24+ years. They've recently added a sawmill, increasing profits. What are the risks of teak tree investing? Disease, pests, fire, geopolitics and more. They are proven mitigation plans. In-person teak tours for prospective investors are offered. Trees grow through recessions, COVID, market cycles, and Fed rate decisions. Learn more about teak tree investing at: GREmarketplace.com/Teak Timestamps: Welcome to Get Rich Education (00:00:01) Keith Weinhold introduces the podcast and emphasizes the importance of real estate and financial information. The US economy and land ownership (00:01:44) Keith discusses the strength of the US economy and the importance of diverse and resilient real estate portfolios. America's top 100 landowners (00:02:29) Keith talks about the largest landowners in America and the reasons why land ownership is often associated with the wealthy. Investing like a billionaire (00:05:32) Keith introduces the topic of investing in producing land and the benefits of owning producing land. Introduction to ECI Development (00:06:21) Keith introduces Michael Cobb and discusses the company's projects in Latin America. Marriott resort project in Belize (00:07:08) Mike talks about the construction of a Marriott resort in Ambergris Key, Belize, and the challenges of financing such projects. Development and tourism in Belize (00:08:37) Michael Cobb discusses the development and popularity of Ambergris Key, Belize, and the involvement of major hotel brands. Teak tree parcels investment (00:11:30) Michael Cobb explains the investment opportunity in quarter-acre teak tree parcels and the generational wealth stewardship associated with it. Reasons for teak investing (00:14:05) Michael Cobb discusses the reasons why people are interested in teak investing, including hard asset diversification and international residency opportunities. Cash flow cycles and teak investment (00:16:42) Michael Cobb explains the 25-year cash flow cycle associated with teak investments and the generational income potential. Optimal growing conditions for teak (00:19:26) Michael Cobb discusses the optimal growing conditions for teak and the physical growth of the trees. [End of segment] Teak Plantation Locations and Growth (00:19:42) Discussion on the optimal locations for teak growth and the historical track record of teak price growth. Teak Price Growth and Business Plan (00:20:44) The historical 55% annual increase in the value of teak and the business plan's conservative approach to teak price growth. Physical Properties and Residency Opportunities (00:21:33) The value of teak and the opportunities for achieving residency in Panama by owning teak. Residency and Citizenship (00:24:33) Differentiating between residency and citizenship in Panama and the process and benefits of obtaining permanent residency. Sawmill and Value-Added Component (00:27:56) The integration of a sawmill into the investment proposition and the value-added potential of processing teak into lumber. Sawmill Investment Opportunity (00:30:07) Details of the investment opportunity in the sawmill, including the expected return and investment structure. Risks and Mitigation (00:32:41) Discussion on the risks associated with teak plantation investment abroad and the mitigation strategies in place. Property Management and Tours (00:35:25) Outsourcing property management and the availability of tours to visit the teak plantations in Panama. Long-Term Investment Perspective (00:37:43) The long-term growth potential of teak investments and the comparison to the investment strategies of wealthy families and institutions. Earth's Highest Real Estate (00:38:11) Discussion about Earth's highest point, the equatorial bulge, and the location of teak plantations in Panama and Nicaragua. Investing in Teak Parcels (00:38:11) Information about purchasing teak parcels, the absence of loans, and the potential for building wealth through teak investments. Consultation Disclaimer (00:39:34) Disclaimer about seeking professional advice and the potential for profit or loss in investment strategies. Resources mentioned: Show Page: GetRichEducation.com/490 Learn more about teak investing: GREmarketplace.com/Teak For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Keith Weinhold (00:00:01) - Welcome to gray. I'm your host, Keith Reinhold. An affordable way to simultaneously invest like a billionaire. Get diversified in multiple ways with real estate. Help the earth. And if you prefer, even achieve residency in a second nation today and get rich education. When you want the best real estate and finance info, the modern internet experience limits your free articles access, and it's replete with paywalls. And you've got pop ups and push notifications and cookies. Disclaimers are. At no other time in history has it been more vital to place nice, clean, free content into your hands that actually adds no hype value to your life? See, this is the golden age of quality newsletters, and I write every word of ours myself. It's got a dash of humor and it's to the point to get the letter. It couldn't be more simple text gray to 66866. And when you start the free newsletter, you'll also get my one hour fast real estate course completely free. It's called the Don't Quit Your Daydream letter and it wires your mind for wealth.   Keith Weinhold (00:01:16) - Make sure you read it. Text gray to 66866. Text gray 266866.   Corey Coates (00:01:28) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold (00:01:44) - What category? From Sorrento, Italy to Sacramento, California, and across 188 nations worldwide. I'm Keith Reinhold, and you're listening to get Rich education the Voice of Real Estate since 2014. As we're two months into the year now and the US economy has continued to stay strong. Let me ask, how's your portfolio doing and how resilient is your real estate? How diverse is it? How would you grade yourself on those criteria?   Donald Trump (00:02:17) - I would give myself, I would look, I hate to do it, but I will do it. I would give myself an A-plus. Is that enough? Can I go higher than that?   Keith Weinhold (00:02:29) - Well, well, whether your, I guess, straight A's or not. Consider this land report.com. They recently published a report about America's top 100 Las donors. Now, Lynn could be vacant and nonresidential, yet have active ranching or agriculture or forestry taking place.   Keith Weinhold (00:02:52) - That way the land produces something while it might increase in value at the same time. But the reason that often land is the domain of the wealthy is that it's harder to get loans for land, and therefore one must often pay all cash. Well, by the time they were done. Today, you'll learn about producing land that's actually available at such a low price point that alone typically is not required for you to buy it. In 2024, America's largest land owner is Red Emerson, and that's what the report found. Read and his family owned 2.4 million acres in California, Oregon and Washington through their Timber products company and the number since they became America's largest landowners in 2021, when they acquired 175,000 acres in Oregon from another timber company. Well, with that acquisition, the Emerson surpassed Liberty Media chairman John Malone's 2.2 million acres. And then in third place is CNN founder Ted Turner. Yeah, he's America's third largest landowner, with 2 million acres in the southeast on the Great Plains and across the West. And it was a few years ago now.   Keith Weinhold (00:04:05) - It was 2020 when news broke that Microsoft co-founder Bill gates was America's largest farm land owner, with more than 260,000 acres. So the wealthy are attracted to real assets that can produce yield in something like land, which they aren't making more of. That's the backdrop for today. Surely we'll talk about income producing land, although most years it won't pay out and it's available to any investor, big or small. But before we do, let me share that. About ten days ago, I climbed up the highest point on Earth here while we're talking about non-residential real estate. Well, where was it? Where was I? Yes, I was on Earth's highest piece of real estate. Kind of a trivia question here, and I used to think that that must mean Mount Everest, but it's not. So there's a clue for you there. Where is Earth's highest point is you ponder that. I'll give you the answer later. Let's talk about investing like a billionaire with the opportunity to own producing land did it to you? We've discussed this topic before, but it's been quite some time and there have been some important updates, including a sawmill for the production timber.   Keith Weinhold (00:05:32) - After success in the computer industry, today's guest formed ECI development in 1996. I suppose going on nearly 30 years now. He served on advisory boards for the Na as a resort community developer. They have projects in Belize, Nicaragua, Costa Rica, El Salvador, Honduras and Panama, and neighborhoods include homes, condominiums, golf courses and over five miles of beachfront. So they got some really beautiful properties. He and I first met in person in 2016. He and his family lived in Central America from 2002 to 2016. It's always fantastic to have back on grea, and I guess I must button up here because it is the chairman and CEO, Michael Cobb. It's good to be with you. Thanks for having me.   Michael Cobb (00:06:21) - Back on the show. It's fun to have these conversations. I didn't realize we met in 2016. That's a little while ago.   Keith Weinhold (00:06:27) - Yeah, it has been eight years. Yes, we met in the region then down there and Mike's about the most relatable and down to earth guy that you can find and literally down to earth is.   Keith Weinhold (00:06:41) - Besides the resort development, you've made it easy and inexpensive for investors worldwide to buy producing teak tree parcels. But before we discuss that, you've got a project that's drawn a lot of interest on Ambergris Key, Belize, which many of our listeners already know, that's Belize's largest island and its top tourist destination. I have visited and owned property there, and it's coming online next year. It's pretty exciting. Tell us about it.   Michael Cobb (00:07:08) - It is exciting. It's been in the works for goodness, eight years. I think we signed our contract with Marriott maybe 7 or 8 years ago. We started construction just about a year ago last January. So almost exactly a year. Yeah, it's a marriott resort, 202 room oceanfront resort. It's fantastic. It will be done in August of 2025. Soft opening heart opening October 25th. So yeah, about 1618 months from now have this project finally finished. You know, the big challenging thing in this part of the world is financing. But it's really hard to get financing or affordable financing.   Michael Cobb (00:07:42) - Let me say it that way. Yeah. And so we took our time and we would not start a project until it was fully funded. I think a lot of challenges are people start these projects are kind of betting on the. Com. Right. Oh well we'll figure it out later. And we don't operate that way. We've been around for yeah 28 years. And so we're very very conservative. And until we had all the money to build the hotel, the resort, we did not start. And so we kicked it off last January. It was just down there last week. Steel is arriving. The superstructure is already going up. Yeah, man. It's just so nice to see it really coming to fruition. But you know, it's prudence and patience to take our time, make sure we have all the funding and then launch so that what we start finishes. And that's really been our mantra for almost three decades now.   Keith Weinhold (00:08:27) - Make it up, make it real, make it happen. In the largest town there on Ambergris Key, Belize, just a few decades ago, it was still this sleepy fishing village.   Keith Weinhold (00:08:37) - And with the setting that that island has and all the great snorkeling and everything else, it's really become popular and is boutique hotels grew into larger hotels. Yeah, it was probably, what, ten years ago perhaps, that you saw some of these big brands start to take more of an interest, like Hilton and Marriott, in branding the buildings what is.   Michael Cobb (00:09:00) - And, you know, I give a presentation called Why Belize, Why Right Now? And you nailed it there when you talked about the timelines. Right. And how a country or a region, it's not even a country in this case. Ambergris key. It's very specific. Right. How ambergris Key Belize has moved through this timeline, this path of progress. And at some point it goes from being a niche market or a no name market to a niche market, to a boutique market. And then all of a sudden, you're right, at some point the brand start to pay attention and then you move into popular acceptance and really mainstream tourism. And so, right.   Michael Cobb (00:09:31) - The cruise ships started going to Belize about 15 years ago, which put Belize as a country into the mind of a more mainstream traveler. And then you're right, about eight, ten years ago, the brand started to pay attention. And we do. We have a Hilton, we have a curio by Hilton, we have an autograph by Marriott, our company, ECI. We picked up the best Western franchise, and so we operate a Best Western on the island for that middle class market. And then Marriott, obviously, for the very high end traveler who wants an oceanfront 4 or 5 star kind of property. So yeah, but the brands are paying attention. And by the way, we're just seeing the beginning of that happening. This popularity curve Belize has entered what I would call the fast growth period. And over the next five, maybe eight years, we're going to see incredible growth in the tourism industry. Airlift is up. JetBlue just started flying down. So we're starting to WestJet. So we've got Canadian Air.   Michael Cobb (00:10:22) - We've got a discount carrier southwest. So when those things start to happen what you see is a market dynamism that's you know really it's exciting and it's going to change. Very, very rapidly. The pace of change is going to grow rapidly as well. So great time to look at Belize. If folks are interested in sort of that positioning in the path of progress in the marketplace.   Keith Weinhold (00:10:43) - Each time I visit Ambergris Key, Belize, the level of development increase is palpable. And, you know, this is an opportunity for a US or Canadian buyer or a buyer from outside that nation to come in. And it's just a very easy step with the English language and the common law in Belize, where you can invest yourself in this Marriott project that Mike discussed. Now, Mike, a while ago, to change topics, you recognize that the world has been really deforested and losing its valuable teak hardwood forests so continuously since 1999, you've offered a program so that individual investors at a really affordable price. We'll get to that price later.   Keith Weinhold (00:11:30) - They can own quarter acre parcels with the property deeded in their name, and reap the benefits and returns from the growth of the teakwood on top of the land. And now this is pretty novel, because for hundreds of years, only the hedge funds and super wealthy had access to an investment like this. So get us up to date with what you're doing on the teak hardwoods, because I know that so many of our listeners and viewers have already gotten involved.   Michael Cobb (00:11:56) - They haven't really. Thank you for being one of the people who put the word out there. Right? Because most people don't even know you can own teak or let's just back it up and you say, own timber, right? You start there. You're right. Only the super rich land barons, hedge funds. Those are the people that have always owned timber for centuries. Right. And so I think in most people's minds it's like, oh, I can't even get there. How would I even do that? Right. Well, then you take it overseas and you take it into something very, very specific, like teak timber.   Michael Cobb (00:12:25) - That's just not on anyone's radar. So. So you have done a great job. Thank you for getting the word out to just let folks know that this is something that they can do. So quarter acre teak parcels. We are now on our third plantation in Panama. We have one in Nicaragua as well. And so we're in our third plantation in Panama. Just because of the incredible number of folks, well over a thousand folks now who have decided they want to invest in own teak. You said something really interesting, Keith. You said you get to own the land, you get title to land and you get the harvest of the trees. That's absolutely correct. But it gets better because when the trees are harvested, they get replanted. And then the next generation of people your children, your grandchildren, whoever that might be, get the next harvest. But because you still own the land and the trees are replanted, a third harvest, you know, and a fourth harvest. So what you've really created with teak ownership is generational wealth stewardship.   Michael Cobb (00:13:24) - And that is something that's just so far beyond the comprehension of so many people that it can be so easy and so affordable to do.   Keith Weinhold (00:13:32) - I'm an investor myself in producing land like this in Latin America, so I know what some of my reasons are for being interested in this. And yes, it's more than the fact that I'm just a geography guy. It's the fact that I know I'm diversifying in multiple ways at the same time, a different product type in residential real estate. And I'm getting international diversification in a different nation, for starters. So are those some of the reasons that you see for why so many people are interested in teak investing like this? What are their reasons?   Michael Cobb (00:14:05) - Yeah, I think you've nailed a big part of it, which is the hard asset. A lot of folks, your listeners, readers in the news that are right, I mean, hard assets are important. I hope more people recognize that. Right. And more and more people are, thank goodness. So hard. Asset real estate being this particular hard asset.   Michael Cobb (00:14:22) - Right. And then the international diversification, one of the challenges we have is us, especially in Canadians to some degree, is that we kind of locked into the US system like we can own, say, Toyota stock, right? Japanese company, we can own Nestlé, a Swiss company, but generally we're doing it on the New York Stock Exchange. And so even if we own an international stock, it's still the US basket are still the Canadian basket that we hold it in. Right. And so when you physically own a titled property outside your home country, you have now truly diversified internationally. And there's a lot of prudence in that. And even just tiny little percentages of your portfolio, 5% of your portfolio, 10% of your portfolio outside your home country and hard assets is prudent because you want some other baskets for those nest eggs. Antiqued because it's such a low price point of entry with a huge yield, by the way, that it has become very, very popular for folks who want that international diversification in a hard asset.   Michael Cobb (00:15:23) - But to have the true international diversification because it's a physical asset outside your home country. And then I. Just say this and we can pick up on the theme or not. The other reason that people are looking at teak in Panama and Nicaragua, by the way, both countries, is because of the availability or the qualification for a visa for a second residency. And a lot of times people look at that as a plan B, if we kind of think maybe the US is going off the rails or Canada or wherever your home country is at, or it could go off the rails. Doesn't have to be now. It could be going off the rails in the future. You sort of that Boy Scout mentality of, you know what, I want a plan B, and if we have a second residency outside our home country, we now have an option. If we don't like the way things are going or where they get to, we can actually pick up and we can move and we have the right legal right, because we have a residency to live in another country.   Michael Cobb (00:16:17) - That's another reason that a lot of people have picked up the teak because it qualifies you for that residency. But I think the bigger reason is the international hard asset diversification. I think that's the leading reason people do it.   Keith Weinhold (00:16:31) - I want to ask you more about the residency shortly, but tell us more about the investment. We're thinking about maybe capital growth as the trees grow. And then what about the income?   Michael Cobb (00:16:42) - Sure. And so I think let me back it up. A lot of people think in cash flow cycles, right? If we have a job, we get paid every two weeks. You know, you have a lot of folks that have invested in properties. We get a monthly rent check, right? Or if we have stocks, maybe we get a quarterly or annual dividend. Right. So those are the what I would call the common time frames that we think about in cash flow. But what the Uber wealthy, what the hedge funds, what the family offices, what the endowment for places like Harvard, Yale, these big institution or big institutional thinkers have known for centuries is that there are actually other cash flow cycles that are largely ignored by the what I would say, the average investor.   Michael Cobb (00:17:21) - And those cash flow cycles are much longer. Teak, for example, is a 25 year cash flow cycle, right? You plant the trees and in 25 years you harvest them. You plant them again, not them. You plant new ones, right? In 25 years you harvest those and then so on and so on. So what you're creating is this 25 year cash flow machine. Now the kinds of returns are truly outsized. I mean you're talking about double digit ers. Now a lot of people say, well Mike, that's great. But what happens if I need the money in year 15? You can't have it because there is no money in year 15. Your trees are still growing, right? So it's this weird investment timeline. It's almost flatlined until the very end. And then it jumps way up and then it drops back down to a flatline again. And so it'd be silly to put tons of money into teak unless you had thousand times tons of money, right? But for some small piece of your investment portfolio where you have enough cash flow coming in from your maybe your job, your rent, your dividends, whatever, that a small piece that moves into this 25 year cash flow cycle with the thought process that this is how I steward wealth into the future, to children, grandchildren, great grandchildren, because the 25 year cycle is almost generational, right? In fact, in the US, it probably is generational because we're having children in the ages of, you know, 25 to 30.   Michael Cobb (00:18:44) - So it kind of starts to line up with generational income as opposed to, you know, sort of that whatever biweekly, monthly, yearly income. So it's just a different cash flow cycle.   Keith Weinhold (00:18:56) - That's right. And I brought up before that, when you think about the growth of one of your investments, you now get to think about it in two ways. If you own a duplex, it might have growth in its price. However, it doesn't grow into a fourplex and have growth in its price. However, with teak, you might have an increase in the value of the wood, perhaps on a board foot unit basis, and at the same time it is growing in height and volume.   Michael Cobb (00:19:26) - Absolutely no. That's a cute way to say it. I never really thought about a duplex growing into a fourplex, right? That's good. Exactly. And so what you do, you're right. You have the physical growth of the trees. And we have located our plantations in the optimal growing conditions, fatigue. And they are very known.   Michael Cobb (00:19:42) - Right? I mean, the British started plantation growing teak 350 almost 400 years ago in Southeast Asia. And so the Brits have just meticulously kept statistical records of every plantation that they were involved with the altitude, soil type, rainfall, temperature, on and on and on. And so it's really well known exactly where teak will grow well, and both where we have our plantations, it does Nicaragua and Panama, and we'll stick on Panama today, but the locations are dead center bull's eye locations for the best optimal growing of teak. So you have this growth of a physical thing, right. But you mentioned the board foot price. And by the way, the track record on teak being grown in plantations is 350 years. So what a track record, right? But since 1970. Two. The average price of teak over 5152 years has been 5.5% a year. That's the growth in the price of teak, right? And so you know who knows the future, right? I mean, the future is the future, right.   Michael Cobb (00:20:44) - But if a 50 year track record on a 5.5% increase in the value of the teak itself is pretty powerful, right? That's the long track record of nice growth. And when we factor in our teak into our business plan, we take that 5.5 and we make it zero. We just say, what if there is no increase in the price of teak over 25 years? How much will the tree grow? And if that tree is cut down and is sold as lumber? When we'll talk about our Solomon in a minute. If that tree is sold as lumber, what's the value of that lumber today? And what will the tree be worth in that value 25 years from now? And so if things do continue to increase at 5.5% a year, that's just all gravy. And that just starts to take that rate of return and just ratcheted up even further.   Keith Weinhold (00:21:33) - Teak has a number of physical properties that make it valuable, from its beauty to its fire resistance and more. Mike has now touched on a few interesting things.   Keith Weinhold (00:21:44) - We'll come back and talk about that soon, including how you can achieve residency in Panama by owning teak, what the risks are, and more about their sawmill that he just mentioned, adding value to the operation there. And then we're going to talk about what the prices are. We're talking with ECI Development Chairman and CEO Michael Cobb more when we come back. I'm your host, Keith Wynn. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns, or better than a bank savings account, up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate and that kind of love. How the tax benefit of doing this can offset capital gains and your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love.   Keith Weinhold (00:22:52) - For a little insider tip, I've invested in their power fund to get going on that text family to 66866. Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to six, 686, six. Role under this specific expert with income property, you need Ridge Lending Group and MLS for 256 injury history from beginners to veterans. They provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four Plex's. Start your pre-qualification and chat with President Charlie Ridge personally. They'll even customize a plan tailored to you for growing your portfolio. Start at Ridge Lending group.com Ridge lending group.com.   Speaker 5 (00:23:49) - This is the Real World Network's Cathy Fekete, and you are listening to the always valuable get Rich education with Keith Reinhold.   Keith Weinhold (00:24:06) - You're listening to the SOS created more financial freedom for busy people just like you than nearly any show in the world. This is guitarist education. I'm your host, Keith Whitehill. We're talking with ECI development chairman and CEO Mike Cobb about teak hardwood investing in Panama and Nicaragua.   Keith Weinhold (00:24:22) - Like, tell us more about how one can achieve residency, for example, in Panama if they own teak there maybe just how residency varies from citizenship?   Michael Cobb (00:24:33) - Sure. Well, why don't we start with the second part, how residency differs from citizenship. And there's a good place to start. You know, citizenship is you become a citizen of the country. You have a passport, you can vote. You have every legal right of that country. Right. The decision would have residency to use a US term is like a green card, right? It's the legal permission to live in that country for some period of time. Many of them are permanent. In fact, Panama's is permanent. So once you have a Panama permanent residency, you could literally pick up, you could move there tomorrow, and you could live for the rest of your life in Panama. And so it gives you the legal right to live there. But you don't have a passport. You can't vote. I guess that's the main difference, right? You don't have a passport, you can't vote.   Michael Cobb (00:25:18) - But for most people, in fact, the overwhelming majority of people, a residency delivers exactly what somebody wants, which is the ability to live somewhere. Right? And we don't care if we vote or not. I mean, right, we'd still be citizens of our home country, US, Canada, or wherever we can vote back home or citizen. We have our passport from those countries, but the right to live somewhere else is powerful. And so the teak in Panama qualifies you in two ways for two quarter acre parcels, and then the legal fees and stuff like that. It's just under 22,000. A little less gives you permanent residency in Panama. Right? That's such an affordable way to be able to I call it the back pocket. Right. The insurance policy or the plan B in the sense that, like, I think a lot of folks are worried about the direction things are headed. And, you know, you have the teak parcels, which are going to produce a tremendous return. And then this byproduct that you qualify for and you have to go, you have to get down there a couple times.   Michael Cobb (00:26:16) - I mean, there's a little bit of administrative stuff, some legal fees, that's all included in that 22,000. Right. So that's all included. You have to go there a couple times. So there's a little bit of friction I would say. But when you get finished with that friction, you are a permanent resident of Panama and you only have to go there one day every two years. So you fly down every other year, whatever. Go, go talk to your trees, maybe sing to your trees a little bit, whatever you want to do and fly. All right. And you have a permanent residency. So it's a very easy, fast way to get that plan B now in the future, if you ever said, well, I really love Panama, I'd like to live here. Panama is beautiful. The city itself, it's got skyscrapers, apartments on the 50th floor of use or killer. You can be out on the beach or somewhere. You can be up in the mountains. So there are a lot of different climates and geographies in Panama where you might say to yourself, yeah, I think I want to come down here and live someday.   Michael Cobb (00:27:09) - Well, you already have your residency. You already have the legal right to do that.   Keith Weinhold (00:27:14) - Yeah, I mean, 100%. Now, Panama isn't predominantly English speaking like Belize is, but Panama just has a lot of inherent familiarity and feel to a lot of Americans. Since the canal is there and there is that strong American presence, and they've even dollarization their economy there, for example, in Panama. So it might be that nice plan B for you. And tell us more about the residency and the investment into the sawmill and how that works. So it sounds like there's now a value added component is you essentially vertically integrated and now have this sawmill with the teeth. Tell us more about that.   Michael Cobb (00:27:56) - So we've always factored in the sawmill into the investment proposition. Because if we were to just take the logs for example, 25 years, you cut down the trees, you stick the logs in the container and send them off to China or India, which is where most of the logs go. The return on investments.   Michael Cobb (00:28:13) - It's not great, it's okay, but it's not great. The way you actually get a phenomenal return on investment is you take those logs and you turn them into lumber, which has about a 3 to 4 x differential, or what we call first stage end product or simple end product, which would be something like flooring, which is basically lumber that's been finished one more level rooted and bulldozed so that you can put them together right on a wood floor. So those two modifications from the log all the way to the first degree of finished product, the returns start to really jack it up into that double digit IRR right over 25 years, which again is phenomenal. So we talked about price. But just to give an idea, a $7,000 quarter acre parcel at harvest turned into lumber and first level finished. Product turns into about $94,000, right? So 7000 turns into $90,000, which is a tremendous return. But the way you get that return is to deliver to the marketplace lumber and first grade finished product. And so Soma has always been part of our business plan.   Michael Cobb (00:29:19) - Well, we are now two years away from our harvest on our first plantation, the one I planted back in 1999. Right? I mean, it's incredible thinking that, you know, 20, gosh, 24 years ago planted a teak plantation. So we're two years from harvest. We have one more set of kind of odds and end thinning of just trees that didn't quite grow. Right. We're going to use those thinning over the next couple of years to practice in our sawmill. Because you know what? We are going to make mistakes. I mean, you don't ever get it right the first time. So we're going to make mistakes. We're going to learn from them. And by the time we actually do the real harvest of that first plantation, 100 acres of teak, two years from now, we will be up to speed with our sawmill will size up, we'll capacity up to do that. But yeah, so folks can actually we have a $2 million opening in the sawmill. And it's a real simple formula.   Michael Cobb (00:30:07) - It's two times your money and then a proportionate 10% interest in the sawmill. So for example, just rough numbers off the top of my head. You put in $100,000, you get twice your money back in about a 3 to 4 year period. As a sawmill really becomes operational. We take the first harvest, like the thinning, aren't going to produce much. In fact, we hope to just basically kind of break even over the next two years while we practice. Then we cut down 100 acres of teak. We start putting that through the sawmill, right? So you get two extra money, you invest 100 to get back to 100, and then your return would be about 13 or $14,000 a year. On going after that, because you get a 10% carried interest in the sawmill into the future as well. So that's the investment opportunity that produces a shorter cash flow, much tighter on the cash flow. But then a nice trailer for many years. But the investment is 100,000. So it's a more significant investment than, say, somebody wanting a little bite sized piece of a quarter acre parcel or two quarter acre type parcels paired with the residency that gets you that.   Michael Cobb (00:31:13) - So a couple different levels of investment depending on what your goals are, but also what your timelines are.   Keith Weinhold (00:31:19) - We described the sawmill investment numbers there. And then just to clarify, on the quarter acre parcels, they cost $7,000 each with an expected value or return of $94,000 after 25 years.   Michael Cobb (00:31:37) - That's correct. 6880. I'm using round numbers, but 6880 is the quarter acre teak and right at harvest when it processes through the sawmill. A little over that, but $94,000 is returned to the investor along the way. I'll mention this. There are maintenance fees. It's about $150 a year. We just take a credit card. We just tap it once a year. That takes care of property taxes, thinning, cleaning, anything that they have to do with the plantation. So $150 a year, your maintenance fee. But yeah, 6880 turns into 94,025 years. If teak continues to go up at 5.5% a year, the return would be better than that.   Keith Weinhold (00:32:16) - You probably have investors that come in oftentimes from North America, maybe some from Europe, and they see this as a really low cost of entry, $6,880 for one quarter acre parcel.   Keith Weinhold (00:32:29) - So are there any risks that one should consider? Therefore, if they're a first time investor abroad, maybe something they're not thinking about if they buy a rental single family home in their own hometown?   Michael Cobb (00:32:41) - Yeah. Very different. I mean, in some ways it's very different. In other ways it's pretty similar. Right. You're going to get title to the property. The process of getting title will be a little different. You're going to have to send in copies of your passport, a notarized utility bill. Just some things that you wouldn't have to do if you were buying a property in the States. But at the end of the day, you will get what's called Escritorio Publica public title. So it's a registered land deed. And so that part of it's all pretty similar risk factors. Absolutely. The business plan has them in there. But the big ones are any kind of disease. It's monoculture. So I mean a disease could come through and kill all the trees. Right. The good thing there is, again, teak has a 350 year track record of being managed and grown in plantations.   Michael Cobb (00:33:24) - So it has a long track record where they've kind of figured out, well, if this happens, then do this or if this pest comes along. This is how we, you know, we mitigate that, but nothing can mitigate all risk. That fire is an interesting one. Fire is a risk in the first three years of teak. So we call it baby teak. But once the tea trees are 3 to 4 years old, they're really above any kind of fire. Because you clean the plantation and the guys are in there with the machetes chopping to keep the, you know, the brushed and grass down in the dry season, which, by the way, you mention the qualities of teak, the hardness of teak is actually the most. Prized quality. And so the hardest of the teak that we get will actually be taken and sold as marine lumber, which is an unbelievable differential in price. But only 5 to 10% of your teak would qualify as marine lumber. So it's a small percentage, but the value of that is very, very high because it's set to hardwood.   Michael Cobb (00:34:20) - But the rest of the tree is also likewise very hard. The dry season is what cures the teak. And so in the dry season teak drops its leaves. And so it's very resistant to fire. If you do good maintenance on the plantation, we do so fires only a risk really in the first three years. And we actually warranty the trees of a fire comes through. In the first three years. We replant the plantation for any parts that are burned. So there's sort of a warranty that comes with the first three years. I mean, the other risks are political risk. What if Panama goes off the rails? The good thing about Panama, it's got the canal. And that is a major, vital strategic US interest. I just don't see the US letting Panama kind of go off the rails. But it could. But those I think are the three what I would call main risk factors. And we mitigate those to the best way possible.   Keith Weinhold (00:35:13) - You heard Mike mention about the thinning and cleaning. Yes, there is ongoing management, but that is already handled and taken care of in any of the prices that you already mentioned.   Keith Weinhold (00:35:24) - Is that right, Mike?   Michael Cobb (00:35:25) - Yeah, correct. And we outsource to a company called Geo Forest. All Geo Forest, all. They've been our plantation manager from since 1999. And and they're phenomenal. What they do, their world class. They've been doing it for longer than 25 years, maybe 30 years at this point. But we outsource what we have to outsource because we're not management plantation managers. So we can find folks that are.   Keith Weinhold (00:35:47) - The same property manager for a quarter century, a property manager that actually doesn't get fired. Hey, that's a novel concept. Two times two is what some investors back here in the U.S. are thinking with their residential real estate investments. If you want to learn more about this investment, I encourage you to check it out. You can do that through Gray Marketplace at Gray marketplace.com/teak. Mike, do you still offer tours.   Michael Cobb (00:36:16) - Oh my goodness yes. And I hope that you will take us up on the opportunity to come down and see the dairy and province. But yes, we do.   Michael Cobb (00:36:24) - And I don't know the dates off the top of my head, but for folks who are interested, uh, two things. One, we actually run a tour that's fun because it's a group of people and it's just, you know, you come down and you do it. But if somebody says, hey, I can't make those dates, but I want to come see the trees. Yeah, it's very reasonable. I think it's a couple hundred bucks. They pick you up at your hotel, they'll run you out to the plantation, bring you back. But it's a whole day. I mean, it's four hours outside of Panama City and four hours back, so it's a long day. And if it's a couple, it's still 200. It's basically for the vehicle out and back. Right? The driver and the vehicle. So you can come anytime or you can come with a group. And if you come with a group there is no charge. I mean, we get the van or the bus and we pay for it all.   Michael Cobb (00:37:03) - And yeah, we make peanut butter and jelly sandwiches and we have fun.   Keith Weinhold (00:37:07) - All right. Well, I think people have probably covered for the tea more than the sandwiches, but that is a nice touch that you do for people because you do that whether someone is a great investor or not, whether they haven't invested at all yet, and they just want to go ahead and check it out. And you can learn more about those dates at GR marketplace.com/teague Mike, it's always such a fun chat to discuss something so exotic. It's been great having you back on the show.   Michael Cobb (00:37:34) - Nice to be back with you. I look forward to seeing you in Panama one of these days.   Keith Weinhold (00:37:43) - Trees grow through recessions, they grow through market cycles, they grow through Covid, and trees just keep growing through every single fed rate decision. The wealthiest families on the planet, the top 1%. They have locked up vast portions of their wealth for timeframes even longer than the 25 year peak harvest cycle. In fact, Harvard has fully 10% of its endowment, specifically in timber.   Keith Weinhold (00:38:11) - To follow up on what I asked earlier, as we're discussing non-residential real estate today, Earth's highest point above sea level is Mount Everest. The highest from base to peak is Monica. But Earth's highest piece of land, uh, the highest point is measured from the center of the Earth is Chimborazo Volcano, Ecuador. That's because Earth is not a perfect sphere. But there's an equatorial bulge. That's what I was climbing ten days ago. Earth's highest real estate, Chimborazo, was also there for the closest real estate to the sun and moon. But back down here at a lower elevation where the teak plantations are in Panama and Nicaragua, there are no loans for teak. But at prices under seven K, many GRI listeners have found that they don't need a loan and they have bought ten or more parcels. But you can buy as few as 1 or 2 a quarter acre teak parcels and then later cash it out for yourself or build that wealth legacy for your family. Kind of like the top 1%. If it sounds interesting to you, learn more.   Keith Weinhold (00:39:22) - Get started at GR marketplace.com/t. Until next week. I'm your host, Keith Wild. Don't quit your day dream.   Speaker 6 (00:39:34) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get Rich education LLC exclusively. The.   Keith Weinhold (00:40:02) - The preceding program was brought to you by your home for wealth building. Get rich education.com.

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National Novel Writing and Podcast Posting Month 2021 Welcome friend to Create Art Podcast where I help you tame your inner critic and create more than we consume. I am Timothy Kimo Brien your thankful head instigator with over 20 years in arts and education. How I accomplish this is by providing you with commentary, interviews, discussions, and projects that will inspire you to create art. This month I will be podcasting daily and writing a novel in 30 days. I am participating in NaPodPoMo and NaNoWriMo again this year as I did last year and you can hear those episodes here. You will be able to listen and read along to what I wrote for the day. I like to practice what I preach when it comes to art so I am challenging myself to write and having you come along for the ride. It is my hope this inspires you to accomplish your goals with your art and if you would like to share what you are doing email me at timothy@createartpodcast.com History of NaNoWriMo and NaPodPoMo NaNoWriMo: National Novel Writing Month began in 1999 as a daunting but straightforward challenge: to write 50,000 words of a novel in thirty days. Now, each year on November 1, hundreds of thousands of people around the world begin to write, determined to end the month with 50,000 words of a brand new novel. They enter the month as elementary school teachers, mechanics, or stay-at-home parents. They leave novelists. NaPodPoMo: NaPodPoMo* is a month-long event along the same vein as National Novel Writing Month aka NaNoWriMo. The difference? Well, instead of writing a 50,000-word novel, you podcast every day for 30 days from November 1st-30th. Use any platform you desire. From full production studio to iPhone app and just about anything in between. The goal is to use the challenge of podcasting daily as a form of podcasting boot camp. Writing My Final Thoughts Thank you for tuning into this special episode of Create Art Podcast. Today I wanted to talk about what I learned about myself and my process throughout this past month and these two challenges. Why would you be interested in what I learned, well maybe some of the nuggets I got can help you out in your practice, or maybe just maybe this will inspire you to complete a challenge that you have never tried or succeeded at in the past. You may need this gentle nudge or as I like to call myself the Chief Instigator to get you moving on your artistic journey. If you did attempt or complete either of the challenges last month, namely National Novel Writing Month or National Podcast Post Month please let me know about your journey. I'd be interested in hearing about as I know it would inspire me on my journey. If you did another challenge let me know about that as well. I   First off, I want to thank those of you who either listened to or read what I wrote last month. My initial plan was to create a totally new novel. I had an idea banging around in my head for about a year on what the new novel would be, but I didn't have a clear picture on where I wanted to start it and where I wanted to go. At the last minute I remembered that in 2020 when I did the NaNoWriMo and NaPodPoMo I had started up a novel and gotten over 50K words done on that project, but I hadn't finished it. I pivoted and since I had put so much work into the first novel, I wanted to complete the process and since I didn't have strong feelings on the new novel yet, I didn't want to approach the challenge halfhearted. I had more emotion tied into the novel and I felt I could complete it. The first novel is called Shared Diary and the second novel doesn't have a name. My first lesson in this project was to be able to pivot at the last minute and be open to pivoting. When I start a project I wat to be emotionally attached to it, the reason being is that I want to have enough in my gas tank to be able to push through the tough times that life provides. It's similar to picking out a major in college, yes you want to be able to make a living from what you study and eventually will be making a career out of, but you also want to enjoy what you are doing. I chose theater as my major, now you could argue that I am not using my degree, but I feel that I am every day. The things I learned in school are applicable to real world experiences, my acting classes helped when I was showing transitioning soldiers how to interview, my movement classes showed me how to breath to provide relaxation which I teach employees in my current job. So, you are right, I am not using my degree in theater pedagogy in the traditional sense, but I am using bits and pieces of it that fit the need at the time. If I would have chosen a major in HR, which is what my day job is, I would have never gotten these skills that have pushed my career to where it is today. Being able to pivot and prioritize your work will help when life decides to give you challenges. Plus, if you work on something you are excited about, more than likely you will either finish it or in my case brin git closer to completion.   Another lesson learned was time management. With the NaNoWriMo challenge they provide an app that you can record your progress and look at what you have left to do. It also has you put in when you started writing and when you ended as well as where you wrote. In my situation it was at home on a laptop. When I look back at when I started writing and when I ended, I found that when I was alert and feeling good, I was able to write more on those days in a quicker time versus when I was not feeling my best or when I was tired.  So, I am learning to come to the work in a good mindset that is relaxed and open in order for me to do my best work, if I am not in that mindset, I know the work still needs to get done, but it may take longer. Since I work a day job and I have kids and a wife that I want to make sure get the attention they need, I let them know that November is going to be tough but I would ensure that the next month I would be spending more time with them. My wife is very supportive of my creative projects and aspirations so she was able to accommodate, my kids don't quite understand it, but they will when they get older and follow their creative practice. Each day I gave myself an hour or two to write, sometimes I had to take some time from work to get my writing done, sometimes I wrote in the evenings while my wife watched tv so I could be near her especially on a tough day with the kids. There were about three days I didn't write and that is because life just got really busy as it does and also, I do struggle with energy levels due to my MS diagnosis. These are not excuses as to why this year I got to 44K words and not 50K, these are things that happen and it was not a failure to not technically complete the challenges, I got farther along in my goal to finish the novel. Next year I definitely would stick to more stringent times, maybe wake up early and write while everyone else slept. Proper time management and including the unknowns that life will throw you should be in that plan.   Another lesson learned is to look back at your work and admire it. You put your heart and soul into it, on occasion you need to step back and look at what you have accomplished even though it is not complete. Ten years ago, if you said Tim you are going to write a 100K word novel I would have said you were nuts. For the longest time I told myself that I don't have enough material to fill a novel, I was a poet and a short story writer, however, as the piece sits right now, I am at 94K words. Now when I go back and edit it, I am sure there will be things taken out, but then there will probably be things put into it that balance that out. Don't say never, because if I would have believed that I could never write a 100K word novel I would not have tried to do it, my initial goal was simply 50K words and it has just about doubled that goal and when it is done, who knows how long it will be. When we take time and review what we have put on the canvas, the notebook, the piano or whatever your form is, we should allow ourselves time to appreciate it, take it in and remind ourselves that before we started the work, this was only a thought that we helped bring into the world. The world needs these ideas, yes, I did say needs these ideas. Look at any library, any school and what do you see, thousands of ideas being brought forth every day. Plus, when you realize what you have done, it does wonders for your mental health. We all have that inner critic and we need that critic to help guide us and direct us, but when that inner critic stops us from creating, that's when we need to tame it and make it do the work, we need it to do. When we look at the work in progress or the finished work, we can use that progress to tame that critic when it tries to stop us.   The last thing I learned is to prepare to put down the pen or paintbrush so that you can start new projects. Right now, I am running 3 podcasts, one of them has been idle for a year. So, there are other things I would like to do, other ideas bubbling up in my head and I need to find time to get them out into the world. I am planning on finishing the novel, probably in a month or two. I know I am close to the end and I don't want it to end quickly because then it looks like I am giving up on the novel. I am not putting a word limit on it right now, it's not needed. But I will put a time limit on it because I want to have time to work on other things and give them the attention they need.  I know some painters say a painting is never done, I don't feel the same way. There comes a time when you need to put it out into the world and share it with others and it may be difficult to know when that time is, experiment. You can always take it back into your shop and refine it and get it in a more completed place. Theater has staged readings, musicians have open mics to try things out, poets have open mics to do the same thing. Find ways to get the work out of the shop and into the world. You may have to brin git back and tinker with it, you may sell the piece and find out that it is perfect the way it is with imperfections.   Now what did I get out of this experience, well I accomplished a few things. First a sense of accomplishment. For many people that is the main reason that they do things because they believed at one point, they couldn't do it. I would have never in the past attempted something like this, I have close o 100K words on a novel and it's still not done yet. As a poet and a short story writer, I am really stretching my writing muscle to keep this story going. My largest work in the past was a thesis for my Master's degree which was about 50 plus pages talking about a production that I put on and why I made the choices that I did make. Just having the knowledge that I can do it makes me happy and content even if no one reads the story. Which leads me to the second thing I got out of this which was having people follow my podcast during this project. I was consistently getting about 15-20 downloads and people looking at my site and listening to the show. So, the story is out there in the world and people now know about it. I also know that some people were waiting until I finished the project before they downloaded the show and I am seeing people download the past episodes to catch up and see or hear what I am doing. This has the potential of increasing the audience numbers. On my other podcast Find A Podcast About I recently talked with the hosts of Writers Drinking Coffee who are novelists. Having the experience, I was able to extend my network and talk intelligently about writing. This gave me a new perspective and appreciation for the craft. It gave me a bit of expertise when I talk with you about writing your story.   Well, I appreciate you listening to this episode and coming on the journey with me. If you got something out of the podcast I'd like to ask you to share it with a friend who may be struggling with their inner critic. Reach out to me for questions and show ideas timothy@createartpodcast.com There is not much left to this year, I have a KDOI Rebroadcast coming up soon and a year-end wrap up both via live stream and an episode. I am planning for 2022 so if there is something you would like me to talk about or you want to be on the show reach out. Now go out there and tame the inner critic and create more than you consume. Go make art for someone you love, yourself. See ya next time.   Reaching Out To reach out to me, email timothy@createartpodcast.com I would love to hear about your journey and what you are working on. If you would like to be on the show or have me discuss a topic that is giving you trouble write in and lets start that conversation. Email: timothy@createartpodcast.com IG: @createartpodcast Twitter: @createartpod Mighty Networks: Create Art Podcast

مامعنى أن تكون محظوظاً؟ وهل يكون الحظ بعد العمل أم قبل؟ وهل تقف مكتوف اليدين في انتظار الحظ حتى يأتيك لتعمل؟ هذه الحلقة بالتعاون مع محتوايز لمتابعة وسائل التواصل للبودكاست https://linktr.ee/Sabahoo بامكانك تسجيل أيًا من النصوص الثلاثة التالية مع حرص ذكرك ف فيه أغاني دائمًا تذكرنا بطفولتنا… وفيه صور لأماكن ما ننسى زيارتنا لها… وفيه عطور ريحتها تذكرنا بأشخاص حولنا.. مع قولدن سنت اهدي العطر اللي تحبه لمن تحب بأفضل سعر ..من بين أكثر من عشر آلاف عطر أصلي ..حمّل تطبيق قولدن سنت من صندوق الوصف واستمتع بخصم إضافي مع كود :عطر http://l.mwz.tw/94K-0y2f3 (d18859f1937e037beca5) تبحث عن قصص وثائقية وبرامج فنية وثقافية وجديد الأخبار؟ اذاعة الآن اف ام تبث كثير من البرامج تسمعها وين ما كنت رابط الإذاعة في صندوق الوصف، تصفح برامجهم وادعمنا http://l.mwz.tw/iSOqpEy8Q (9565f0602eda7ded4524)

Here are the sources referenced this episode:SOURCE[1:50] Dysevidentia 12 Evolution and Creationism with the Rock Doctor - https://dysevidentia.transistor.fm/episodes/evolution-and-creationism-with-the-rock-doctorSOURCE[2:06] Dysevidentia 4 The Right Mask for the Wrong Reason - https://dysevidentia.transistor.fm/episodes/the-right-mask-for-the-wrong-reasonSOURCE[2:29] Gateway pundit a misinformation spreader misrepresents sources to push false conclusions - https://www.thegatewaypundit.com/2021/03/comes-wearing-face-mask-time-challenge-pseudo-science/SOURCE[2:52] Wikipedia on the Gateway Pundit - https://en.wikipedia.org/wiki/The_Gateway_PunditSOURCE[3:52] The shitty explanation on what kinematic artifacts are from pulitzer himself - https://www.youtube.com/watch?v=6F9mtK0lPDYSOURCE[6:12] Podcast 19, the June 30 episode talks about what goes into expertise - https://fivethirtyeight.com/features/how-the-cdcs-blindspots-complicated-the-fight-against-covid-19/SOURCE[7:17] EDF Action - https://www.edfaction.org/how-we-can-fight-misinformationSOURCE[7:29] Wikipedia on Dunning-Kruger effect - https://en.wikipedia.org/wiki/Dunning%E2%80%93Kruger_effectSOURCE[9:01] The link to our raffle - https://gleam.io/w0zgk/dysevidentia-flash-drive-giveawaySOURCE[12:39] - Guardian News' YouTube trump talking out his ass - https://www.youtube.com/watch?v=uXxuUJJz4VESOURCE[12:39] - Trump again claims Covid-19 will 'go away' as Fauci warns of long road ahead - https://www.theguardian.com/us-news/2020/aug/05/donald-trump-covid-19-go-awaySOURCE[13:21] - Timeline showing many false claims from trump and demonstrates trump knew some where false - https://doggett.house.gov/media-center/blog-posts/timeline-trump-s-coronavirus-responsesSOURCE[15:28] 2 minutes of how anti-vaxxers trust scientists - https://www.linkedin.com/posts/michael-%E2%99%A3%EF%B8%8F-tierney-932828b4_little-message-for-antivaxxers-in-language-ugcPost-6831139060464128000-AKtsSOURCE[18:22] Network Contagian Research Institute - https://networkcontagion.us/reports/the-future-of-disinformation-operations/SOURCE[20:41] Reuters confirmation - https://www.reuters.com/world/china/russia-china-sow-disinformation-undermine-trust-wester n-vaccines-eu-report-says-2021-04-28/SOURCE[20:41]  AP News Confirmation - https://apnews.com/article/pandemics-beijing-only-on-ap-epidemics-media-122b73e134b780919cc1808f3f6f16e8SOURCE[22:44] Scientific American on Covid Myths - https://www.scientificamerican.com/article/eight-persistent-covid-19-myths-and-why-people-believe-them/SOURCE[24:02] - Check Sqeaky's Linked in history for people claiming this - https://www.linkedin.com/in/joseph-toppi-96276214/SOURCE[24:02] Myth:Disinformation is push by people like MTG - https://www.cbsnews.com/news/marjorie-taylor-greene-twitter-suspension-covid-vaccines-masks-false-claims/?ftag=CNM-00-10aab7e&linkId=127214950SOURCE[25:32] Japan ministry, labor, and health - https://www.mhlw.go.jp/stf/newpage_20407.htmlSOURCE[24:21] WorldOmeter info - https://www.worldometers.info/coronavirus/country/japan/SOURCE[27:24] Dysevidentia Ep 4 - Right Mask for the Wrong Reason - https://dysevidentia.transistor.fm/episodes/the-right-mask-for-the-wrong-reasonSOURCE[28:50] - Gateway pundit a misinformation spreader uses videos out of context and inapplicable science to push false conclusions - https://www.thegatewaypundit.com/2021/03/comes-wearing-face-mask-time-challenge-pseudo-science/SOURCE[28:50] CDC on Masks -  https://wwwnc.cdc.gov/eid/article/26/10/20-0948_articleSOURCE[30:09] Mayo Clinic video on mask effectiveness - https://www.youtube.com/watch?v=g_bM1y1IpJYSOURCE[30:58] ASAPScience on YouTube - https://www.youtube.com/watch?v=qDeP7-rUZmoSOURCE[32:29] Myths perpetuated by not a doctor Dan Stock - https://meaww.com/who-is-dan-stock-indiana-docs-claims-about-futility-of-masks-in-covid-19-in-video-go-viralSOURCE[40:03] CDC on EUA - https://www.fda.gov/vaccines-blood-biologics/vaccines/emergency-use-authorization-vaccines-explainedSOURCE[40:03] bloomberg coverage maps - https://www.bloomberg.com/graphics/covid-vaccine-tracker-global-distribution/SOURCE[41:09] Urban dictionary Snowball - https://www.urbandictionary.com/define.php?term=snow%20ballSOURCE[42:33] Politicans like MTG - https://www.msn.com/en-us/news/politics/dr-jonathan-reiner-shreds-qanon-house-reps-my-body-my-choice-refusal-to-wear-a-mask-it-is-no-longer-your-choice-to-spew-virus-in-my-face/ar-BB1b0aYMSOURCE[43:52] 94K surge in COVID-19 cases among kids - https://abcnews.go.com/Politics/alarming-94k-surge-covid-19-cases-kids-hospitals...

Even though the unemployment benefits were needed to help people in such a dark time, is it still needed now? We’re starting to see the economy be affected by a lack of a workforce. Are the Unemployment Benefits the reason? Will ending Unemployment Benefits be the solution? What’s next for those struggling to find a job? ***Become an Insider: Text “CWTJ” to 210-794-9898 for Insider Tips, information on live streams, events, and amazing free resources! ⏰⏰TIME CODES⏰⏰0:00 ✅ Are Unemployment Benefits Hurting The Recovery 5:09 ✅ Recap of PRYME Homes Investments 8:12 ✅ 6 Offers - 35 Showings in 3 Days 8:45 ✅ Be more strategic with your investments 9:08 ✅ Asking prices are subjective. How are Appraisers adjusting 10:46 ✅ Are the Appraisers adjusting to the market 12:12 ✅ NO MORE MASKS 16:00 ✅ 9 States Ending Unemployment Benefits 20:15 ✅ White House fighting back 24:15 ✅ How are Unemployment Benefits affecting the labor market 25:20 ✅ INFLATION IS HERE! 27:10 ✅ We need to help those less fortunate 28:06 ✅ Tony Robbins theory 29:25 ✅ Restaurants are fighting back amid a worker shortage 31:51 ✅ Jobs & NO people to work them 33:52 ✅ 1M Jobs expected 260K ACTUAL! 35:26 ✅ Why food prices are rising 37:09 ✅ Where is my purpose 39:23 ✅ Gavin Newsom Trying to buy his reelection 45:42 ✅ Some CEOs Suggest Dropping Degree Requirements in Hiring 49:39 ✅ Why we need Education for the NOW 52:07 ✅ Regulatory costs add nearly $94K to new home prices 56:34 ✅ City of San Antonio asking for their pound of flesh 58:56 ✅ Who is going to pay for the extra fee's 1:01:27 ✅ Am I being cynical or logical 1:02:58 ✅ Lumber increases but who is making the money 1:05:12 ✅ Screw YOU - I'm not paying YOU that much 1:06:00 ✅ What is the definition of INFLATION 1:07:19 ✅ Glue, Copper & Appliance shortages 1:10:43 ✅ We DONT need short term fixes 1:11:20 ✅ As lumber prices triple 1:17:56 ✅ 20 showings in less than 24 hrs. 1:24:22 ✅ San Antonio housing market heats up with double-digit growth in prices and sales 1:26:20 ✅ Gasoline demand spikes in several states after pipeline hack 1:34:35 ✅ CEO asking an employee for the Bitcoin back! 1:46:12 ✅ That’s A Rap! 50 Cent Moves Out Of NYC To Avoid Getting Crushed By Taxes. 1:47:34 ✅ NYC Loses $1.2 Billion After Tourist Spending Drops by 73% 1:49:07 ✅ Jamie Dimon, fed up with Zoom calls, says pre-pandemic office life is returning

On this special episode, J and I share what we paid off in February in our first debt free accountability episode. We share some of the unexpected challenges as well as how we paid off over $94K to date as we work to pay off half a million dollars worth of debt over the next year. Thanks for tuning in and don't forget to subscribe! Take Care, Liz

Afsana Lachaux is a policy specialist and an award-winning women's rights campaigner on access to justice and violence against women and girls. This podcast interview highlights Afsana's legal struggle to obtain contact with her son Louis and the pitfalls of Sharia law in Dubai for women. Afsana writes about why a British court ordered her to pay her ex-husbands £94K legal bill here. She continues her battle as a mother to be reunited with her child, which so far has spanned eight years and three countries.You can support Afsana by donating to her crowdfunder.Find out more on Afsana's website: afsanalachaux.comFollow Afsana on Twitter @afsanalachaux and Instagram

Spoke with Tracy Hemingway about how she got into 94K worth of debt and her journey to pay it off,Follow her story on Instagram @debtfreekiwigirl  Timestamps1:00 Tracys Backstory12:22 Tracys Tumor12:57 Pressure nowadays with image15:35 Bad money decisions with cars17:12 Smoking18:34 Tracys life falling apart23:05 Credit Cards/Banks Stupid Processes25:49 Balance Transfers28:43 Increasing Income/Decreasing Expenses29:41 Budgeting/Sinking Funds35:31 Pets Expenses36:35 Downfalls of raising minimum wage38:27 Living within your means39:32 Living in Auckland42:15 Eminem Concert/Wellington44:59 Public Transport/Reece’s Jacket Story46:26 Tracys New Job/Sales50:22 Working Remotely51:00 Hamilton to Auckland Train53:31 Tracys Budget Plan55:41 Eating Cheap56:34 Tracys Diet58:21 Reeces Psoriasis/Tracy’s Allergies1:00:00 Tracys Diet Part 21:02:40 Being Cheap1:04 46 Tracy Budget Plan Part 21:05:47 Tracys Debt Fully Paid Off Date1:06:32 Tracys Entertainment Budget1:08:36 Reece Judging/Tracy Being Judged1:10:11 Budgeting taught in schools/Being open with finances1:12:28 Housing1:13:30 Rockbottom1:14:21 Life Coaching1:15:17 Tracys trick of firewood1:16:26 Fine Five Challenge1:18:00 Coupons to save money1:21:38 Saving Time/Tracys First Budget1:23:00 Tracy Writing a Book for the next generation1:25:19 Trade Jobs/I.T1:27:30 Poverty in NZ/Saving $5 a week1:29:46 Cheap Clothing1:32:03 NZ Less Judgmental1:33:08 Travelling on a budget1:34:04 Budgeting/Avoid Loans1:35:00 Tracys current debt1:37:02 Tracys Final Thank You’s

102 | Blogger and podcaster Tamika Downes reveals how she went from $94K of debt to owning a six-figure income-earning side hustle while continuing her job as a school nurse and raising three children. Timika’s early financial experiences came through immigrant parents, from Barbados, hustling and saving. Having a side hustle was common place in Timika’s family. Despite her family’s habit of saving, Timika finished her education with $94K of debt. After her undergraduate Timika had $24K in debt. Student loans for her master’s cost $35K A second, nursing degree, cost another $30K Choosing to pursue something that you’re not quite ready for can often lead someone to pay more than necessary. Nursing degrees don’t have to cost $30K; immediately after high school students can become qualified Certified Nursing Assistants (CNAs) working in hospitals or nursing homes while starting at a community college and finishing through a bridge program at a 4-year school. Nursing is a trade; find the most efficient way to get qualified. Many universities offer tuition assistant to the children of faculty/staff, often including tuition at other universities. What options did Timika consider in order to decrease her student loan debt? Timika’s mindset changed when she started to own her life circumstances; taking responsibility for her finances was a natural result. Instead of buying a $20K car, Timika bought a $20K business – a lice clinic. Timika spoke with out-of-state clinic owners and did her homework before deciding to invest in the set up for her clinic. Since opening the business, Timika has increased her talentstack to include: Securing a business lease Blogging Website management Business finance management Timika went to coding bootcamp, for 75% discount as a female minority. The lice clinic is now almost passive income: Timika only devotes three hours a week and has hired employees who manage the rest.   Links: House of FI Reluctant Frugalist Saving Sherpa The Road to Retirement: (Re)Learning to Love Work For more information, visit the show notes at https://ChooseFI.com/102

Nick is back (!!!) and he and Jessa give you this policy episode on 5th and 6th amendment rights as they relate to statements/confessions. We also introduce our next two "deep dive" cases, coverage of which will start on Sunday. Also -- we are just over 94K listeners/downloads. If you could all help us out by rating us through Apple Podcasts, following us on social media (IG, Twitter, and Facebook @gettingoffpod) to help push us over 100K for 2018, we'd be PUMPED.

  Kim Gjerstad is one of four founders of MailPoet, an email newsletter plugin for WordPress. According to BuiltWith, MailPoet is installed on over 94K websites at the time of writing. Let's learn how Kim and his team have used the freemium model to grow their business and the challenges they have faced along the way. The post Episode #68 Kim Gjerstad from MailPoet appeared first on WP Elevation.