Podcasts about ATM

Lonnie rekindles an old relationship only for her beau to take credit cards out in her name and when she confronts him about it he shoots her in the head. Rulon is an olympic wrestler and gold medalist out or a day of snowmobiling with friends when he gets lost and submerged in freezing water. Now his greatest adversary is the hypothermia looking to end his career and his life. Stanley is on a night out in Manhattan when he is abducted and held at gunpoint. Over the next couple days the abductors attempt to remove $50,000 using Stanley's ATM card.This Episode is sponsored by BetterHelpBetterHelp - Visit BetterHelp.com/SURVIVED to get 10% off your first month!Quo - Try Quo free, plus when you go to Quo.com/ISURVIVED you can get 20% off your first 6 months!Tempo - Check out TempoMeals.com/SURVIVED for 60% off your first box!Progressive - Multitask right now. Quote your car insurance at Progressive.com to join the over 28 million drivers who trust Progressive.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send episode requests hereBroke men don't just stumble into your life by accident - they show up because they can sense which women will tolerate their inability to provide.If you keep attracting men who either expect you to fund the relationship or can't afford to match your lifestyle, this episode breaks down why this pattern keeps happening and how to flip the script completely. I'm sharing the real reason your success mindset is working against you in dating and my five Provider Proof tests that separate men who want to provide from men who want you to be their personal ATM.You'll learn how to stop being the woman who fixes and start being the woman who receives.Follow me on Instagram for more dating gems at: @torahcents @curved2cuffed 

At this moment, Jim and Amos continue to have internet problems while they discuss the big issues of the week: a Penn State cocaine scandal, the Lindsay Clancy trial, and Jim causing drama with UK and dryers.ADS:PRIZEPICKS: Visit https://prizepicks.onelink.me/LME0/ATM and use code ATM and get $150 if you win your first $5 lineup! Download the app today and use code ATM to get $150 instantly in Lineups if you win your first $5 Lineup! PrizePicks. America's No. 1 Sports Picks App.SOCIALS:Jim JefferiesWebsite: ⁠https://www.jimjefferies.com⁠IG: ⁠https://www.instagram.com/jimjefferies⁠FB: ⁠https://www.facebook.com/JimJefferies⁠Twitter: ⁠https://twitter.com/jimjefferies⁠Amos GillIG: @abitofamosgillFB: ⁠https://www.facebook.com/AmosGillComedy/⁠Theme Song: "Rein It In Cowboy" by the DoohickeysSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Lonnie rekindles an old relationship only for her beau to take credit cards out in her name and when she confronts him about it he shoots her in the head. Rulon is an olympic wrestler and gold medalist out or a day of snowmobiling with friends when he gets lost and submerged in freezing water. Now his greatest adversary is the hypothermia looking to end his career and his life. Stanley is on a night out in Manhattan when he is abducted and held at gunpoint. Over the next couple days the abductors attempt to remove $50,000 using Stanley's ATM card.This Episode is sponsored by BetterHelpBetterHelp - Visit BetterHelp.com/SURVIVED to get 10% off your first month!Quo - Try Quo free, plus when you go to Quo.com/ISURVIVED you can get 20% off your first 6 months!Tempo - Check out TempoMeals.com/SURVIVED for 60% off your first box!Progressive - Multitask right now. Quote your car insurance at Progressive.com to join the over 28 million drivers who trust Progressive.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tony P canceled Friday's show blaming “bad WiFi” from a giant Atlantic City hotel… then finally spilled the real disaster: five-hour drive through tornadoes, a mid set, his wife kidnapping the dog (his opener), and going full Chevy Chase in Vegas Vacation at the tables until the ATM cried. Opie gives him the old-fashioned beating he earned, then the boys spiral into the dumbest (and funniest) hour:Why America is about to lose its nightcrawlers, tongue depressors, and “good dirt” in the Canada trade warThe dead-dog-in-a-box Free Bird tribute that will either crush or get Tony banned from every casinoThe serious medical debate over sunning your butthole (and whether picturing it makes you gay)Mosquitoes that somehow find the pubis through sweatpants$4.50 plain slices, clam-pie trauma, and Chinese robots that beat Usain Bolt… then just keep runningPure unfiltered chaos with Opie and Tony P. Press play before Canada cuts off the worms. Opie keeping the old Opie and Anthony vibe going.About Opie Unfiltered:Hosted by Gregg "Opie" Hughes—co-creator of the legendary Opie and Anthony show—Opie Unfiltered brings raw, unscripted commentary, classic radio lore, and unfiltered comedy featuring Ron the Waiter and regular guests.​Support the Show:https://www.paypal.com/ncp/payment/JANCGHFW7GJHA​For fans of classic New York talk radio, unedited comedy, satellite broadcast history, and the original Opie and Anthony era.

Polymarket traders win big on U.S. military insider information. Slovakia deactivates speed cameras with Russian backdoors. TikTok pays $400 million to settle kids' privacy allegations. Hackers infect Android-based car systems with botnet malware. CISA orders quick patching of an actively exploited Zimbra Collaboration Suite vulnerability. SynkLoader malware is built for stealthy access to corporate networks. Dutch authorities fine Uber over $900 million over automated hiring practices. An ATM jackpotter gets a record prison sentence. Monday business briefing. A privacy promise loses face.  Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire Guest On our Industry Voices segment, we are joined by Mark Beare, General Manager at Malwarebytes Consumer Business from Black Hat to look at protecting your family in the age of AI. If you enjoyed this conversation, check out the full interview here. Selected Reading More than 150 Polymarket wallets may have traded on military secrets, research finds (Reuters) Slovakia discovers Russian backdoors in 279 new traffic cameras — SMS-triggered shell access and passwordless live feeds found in EU-funded rollout (Tom's Hardware) TikTok Settles U.S. Child Privacy Case for $400 Million (Security Affairs) Hackers infecting Android car systems to build proxy botnet (The Record) CISA orders urgent patching of actively exploited Zimbra flaw (Bleeping Computer) SynkLoader: when you throw in everything but the kitchen sink (Expel) Uber Fined Nearly $1 Billion by Dutch Regulators Over Automated Suspensions of Driver Accounts (SecurityWeek) Venezuelan Gets Record Federal Prison Term for ATM Jackpotting (SecurityWeek) Fortinet has acquired San Francisco-based AI security company Virtue AI. (N2K Pro Business Briefing) Reverse-Lookup Service Exposed Millions of Photos of People's Faces (WIRED) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc.

Gianni Santino was exhausted. As a police officer in Connecticut working up to 80 hours a week, he had barely any time for his family. After a failed attempt at real estate investing left him buried in COVID-related evictions, Gianni stumbled upon a goldmine hidden in plain sight: a sketchy ATM inside a gentlemen's club that was quietly printing thousands of dollars a night in surcharge fees.Realizing you didn't need to be a bank to own an ATM, Gianni bought his first machine, loaded it with the last $500 he had, and watched the passive income start rolling in. Today, Gianni has retired from the police force and runs a massive network of nearly 100 ATMs from his laptop in Miami, generating over $40,000 a month in revenue.In this episode of the UpFlip Podcast, Gianni sits down with Ryan Atkinson to reveal the exact blueprint for starting your own highly profitable ATM side hustle. He breaks down the startup costs, the best (and worst) locations to target, and how to safely load and manage your machines working just a few hours a month.What You'll Learn in This Episode:The $2,500 Startup Strategy: The exact machine brands you should buy (Hyosung and Genmega) and the truth about how much cash you actually need to load your first ATM.The "Donut" Pitch: Gianni's foolproof, low-pressure sales tactic for getting cash-only business owners (like barbershops and dispensaries) to let you place an ATM in their store for free.Avoiding the Gym Trap: Why high-foot-traffic areas like gyms are terrible for ATMs, and the specific high-demand locations you should target instead.Safety & Security Protocols: How to make yourself a hard target. Gianni reveals his 2-minute loading rule, why you should never load a machine during business hours, and the critical importance of bolting your ATM down.Why Cash is Still King: Debunking the myth of a "cashless society" and why the closure of local bank branches is actually creating a massive opportunity for independent ATM operators.Tags: Side hustle, Entrepreneurship, Passive income, ATM business, StartupResources:If you've been putting off starting a business… good. Because before you jump into an idea that worked for someone else, you should figure out what kind of business actually fits you. That's why we created the best Assessment there is. It's a free tool that asks about your skills, experience, budget, goals, location, and preferences — then matches you with business ideas that make the most sense for YOU. The results are scary accurate. Click the link in the show notes to see your best-fit business ideas in seconds — for free.Grow your business today: https://accelerator.upflip.com/assessment Follow Our Second Channel Here: https://next.upflip.com/spotify Connect with Gianni: https://www.instagram.com/atmoperations/

https://youtu.be/B9j1nlRifHM Alex Fernandez, CEO of Synergy Orthopedic Specialists, is driven by a mission to help physicians Build a Multi-Site Medical Practice that creates wealth, equity, and independence beyond their personal labor. By bringing independent physicians together, building scalable organizations, and expanding access to integrated services, Alex helps doctors operate as entrepreneurs while delivering a more convenient and cost-effective patient experience. In this conversation, Alex introduces The Multi-Site Scaling Framework—Visualize Your Target EBITDA, Align With Your Partners, Remove Yourself From the Center, Build Systems, and Build Margin Around Your Core Business. He explains why starting with the desired enterprise value creates a clearer path for growth, why alignment must be a gate for every partnership or acquisition, and how strong systems allow a business to operate without depending on its founder. Alex also shares how vertical integration, company culture, geographic expansion, and AI-assisted processes can improve profitability while preserving independent medical care. — Build a Multi-Site Medical Practice with Alex Fernandez  Good day, dear listeners. Steve Preda here with the Management Blueprint Podcast, and welcome Alejandro “Alex” Fernandez, the CEO of Synergy Orthopedic Specialists, a team of surgeons and specialists that believes in providing patients with an integrated approach to musculoskeletal—I’m glad I could pronounce this—medical care through 15 locations throughout San Diego. Alex, welcome to the show.  Thank you. Thank you. Yeah, I appreciate that. I’ve enjoyed your show, and I’m happy to be here.  Well, I’m always interested when I meet with medical provider companies or CEOs who have been doctors, because I grew up in a family of two doctors, and so I was exposed to some of the challenges of being a doctor and running a hospital. So that’s going to be interesting. So my favorite question that I ask recently to all our founders is, what is your personal why, and how are you manifesting it in your practice and in your business?  Yeah, for sure. And so my why, as you put it, comes from where I started. I actually don’t come from a family of physicians. I started not where I ended up. I’m a son of Cuban immigrants. My parents fled Castro in the ’60s, and I was born in Puerto Rico. Later on, my family took a lot of our family in the Mariel boatlift in 1981 and took hundreds of people out of Cuba. But in reality, the concept or the reality is that my parents didn’t have a lot of money. They had some connections, but they believed that I should have a college education.  But I had to work my way through eight years of college to get my bachelor’s. So I landed in healthcare as an accident. It was a small medical practice. I was basically doing front desk and medical records, and then later on learned how to do the billing, all by hand at that time. There were no electronic medical records. And I started basically at the front desk, and I watched something that I never really forgot, which is, you have these brilliant physicians, people that can diagnose patients and help them and cure them, but when it came to business, they were never taught anything about business.  So this is where I believe I have generated value over the years: basically, built companies that actually create wealth, and the wealth for the physicians in particular.Share on X I think physicians are very entrepreneurial. At least that’s the idea to begin with, is, “I’m going to go into the practice of medicine and have my own business.” But somewhere along the line, the business becomes almost like an ATM machine. It’s no different than any other entrepreneur that starts a business. They are the business. Without them, if they go away for a couple of days, the business doesn’t make any money, and they don’t really know how to do that. So what I’ve done over the years is I have gotten smaller groups of physicians to come together, form larger organizations, larger groups, and eventually built larger private businesses that can have EBITDA, equity earnings that can basically provide some additional wealth.  Particularly, I try to help them think of themselves as capitalists, not as day laborers. Because in reality, in most businesses, and particularly physicians, they’re cranking the wheel, and the more they produce, the more they work, the more they earn. But in some cases, they don’t understand how to get away from that. How to earn from all the other things that they control. Because physicians do control 80% of the spend in healthcare but earn probably no more than 5% of it.  Wow. That is shocking. So they’re not using the leverage properly, probably.  Yeah. Sometimes they know it’s there, but physicians in general are risk-averse. Just starting their own business is hard enough. Then having to figure out how to capitalize from all the levers that they have, that’s completely different. And they’re no different than, I would say, lawyers or accountants that start a small business. At some point in time, you have to figure out, how do you make the business big enough that it operates and works without you?  Yeah, I love that. I love that. And what makes you feel strongly for physicians?  Well, particularly independent physicians, I think it’s a dying breed. Years ago, I would hear the stories of my parents where they’d say, “Hey, we took you to the pediatrician,” and my dad would be friends with the OB-GYN that took care of my mom and the pediatrician. And I remember them naming them by first name or even meeting them at the social club. But nowadays, it’s very transactional. It’s very fast. There’s no connection.  So I think that’s why there’s been this whole surgence of concierge physicians where you pay extra. Because in truth, in order to make a living, the business of healthcare is compressed by downward pressures from the government and from other institutions that say, “We’re going to pay you less, but you have to have a significant amount of compliance, and you have to spend more money on this, and you have to do that.” And then at the same time, the cost of living goes up.  The employees need to make more money. Your rent goes up. The supplies continue to increase. So you have the static or lower reimbursement from the different payers, whether it’s Medicare, the government, or private institutions, and then an increase of expenses happening. That’s very strange to any business. In any other business, you say, “Well, if my costs go up, I increase my prices, and then maybe my margins are a little bit less, but I still have a significant margin.” In healthcare, you almost have to just work more in order to generate more revenue, and the expenses hopefully will increment a little bit more, but your earnings will be the same or less. So it’s a very tough situation for an independent physician.  That’s why more and more, especially physicians coming out of training, look for jobs with health systems, with the Kaisers of the world or the different large institutions in the United States, so that way they can go ahead and just go to work and take care of patients and not worry about the business of healthcare.  Yeah. But then these big hospitals turn into bureaucracies, and then they still have to worry about that in a different way.  And that’s personally the second part to that question you asked me. That’s why I like working with physicians and not necessarily with health systems. I’ve never held a job with a hospital. Not that I haven’t wanted to. It’s just, I think the nature of the bureaucracy of a health system creates some things that I’m not personally interested in.  Yeah. Well, I can see that. So Alex, this is a podcast of frameworks, as you know. So what’s a framework that has helped you build your business, maybe generate an insight, understand situations, maybe influence these physicians to come together in your roll-ups? Whatever framework you developed, could you share something with our listeners?  Yeah. Yeah, for sure. Most owners in a business—and I’ll talk in generic terms. I’ll try to make sure I don’t use any slang for healthcare—but most businesses build their business for income. They want to make income for their families, for themselves. They want to be able to take care of the people that they’re with. But they don’t really think about it from a perspective of, “Let me build a business that can multiply.” Maybe they want to, but in a lot of areas, it’s just hard for them.  I actually grew up in the bridal business. My parents had bridal stores. They basically did wedding packages, and that’s the business that I grew up in. Every summer, I would go and do the cash register or help rent tuxedos and things like that, or do filing and bookkeeping. So that’s where my entrepreneurial spirit comes from. It’s my parents. But I always saw them where maybe they built one or a couple stores, two, three stores, and they would kind of stop there. But I think I learned a lot from my dad in particular around multi-site operations in a retail industry, and I took that back into the healthcare business.  So one of the first things I think that a business owner has to do is they have to underwrite their own exit first.Share on X They have to think of growth and particularly of the value of the business if they were ever going to sell it. Figure out what your EBITDA or enterprise value is going to be, and then go from there. Then make the alignments first, but don’t make it the goal. Most people chase the volume, the customers, more locations, more deals, spend years fixing what they bolted on in order to flip it, but they don’t really take the time to align it. So I think the client, the partnership, the acquisition—you have to figure all that out at the beginning and then fix it later.  If I run into an acquisition that we’re looking at, and I don’t see the alignment from whoever I’m going to partner up with, I know it’s going to be a deal that’s going to go bad eventually. We all have to be thinking the same way. Then the other thing, like I already mentioned this a couple of times, but you have to take yourself out of the center. If you’re the CEO, you’re the business owner, and the business depends on you—you can’t go on your two- or three-week vacation to Europe or wherever you want to go, and when you come back, the business is in disarray or didn’t survive—you don’t really have a business.  You just have a job that costs you a lot of money to maintain. I think that’s where operating systems earn their keep. I haven’t really run the EOS program, but I’ve read the book, and I really like the idea of the scorecards, and I used it particularly when I came to this opportunity in San Diego. Getting everybody to row in the same direction. A business that runs with a founder and a single thing, it’s one that won’t get very far.  But on the other hand, if the founder figures out a way to build systems around them and bring in the right people, that’s going to make the business way more successful. And the last one I would say is own the margin around your core. Don’t just sell the core service. Figure out what else you have. And I think in healthcare in particular, I was mentioning this: doctors control a significant amount of what happens to a patient, but they don’t figure out ways to vertically integrate the business to have access or have the opportunity to earn some revenue and some earnings from the actual business they refer to.  So what I’ve done over the years, particularly in gastroenterology, I grew a medical practice of gastroenterologists. A couple of them came together, and it was around 50 million in revenue when I came in. And one of the first things I started doing was figuring out, how do we add, let’s say, imaging services? So we added CT. How do we add infusion services? Because back then, there were some significant drugs that were coming into market around infusion. But later on, we said, “Hey, we have an investment in an ASC, but why don’t we do the investment so the investment’s part of the group? So all the doctors can benefit from that.  And when we actually equitize the business in the future, that could be part of our exit if there’s equity there.” And then the next question was, “Well, why don’t we sell the prep that we give people before they get the colonoscopy?” So we got licensing around pharmacy, and then we said, “Well, what about anesthesia? What about pathology?” And so on and so on. So when I went to New York City and I ran a dermatology group, we built a path lab for the derms. When I came here to the orthopedic group, we had PT locations, expanded to multiple PT locations, improved the contracts around durable medical equipment, the bracing, even added anesthesia and started our own ambulatory surgical center.  So always trying to figure out, how can you vertically integrate the business to try to capture as much as you can from the client that’s in front of you? Not only just from a money perspective, but also from an experience perspective, being able to provide it all under one roof and being able to give the patient, the customer, a great experience. You want to provide outstanding medical care. Quality medical care is kind of like a base. If you go to a doctor, you expect to get better. But what we see in healthcare a lot is that people don’t think about it.  Like, in our offices, we say, “Thank you for choosing Synergy Orthopedics.” We know patients have a choice, so we have to develop a model that allows the patient to say, “Hey, I want to go here because these guys have it all under one roof.” But more importantly, that’s typically what the hospitals have. But hospitals charge for the same thing I provide two and three times more because they have a different type of leverage with the contracts. So I always say, “Why did the duck cross the road? Oh, because they went from the hospital to the ambulatory surgical center to get a colonoscopy to save 700 bucks.” I mean, it’s literally that simple.  And I don’t think patients in general know that, but I think the doctors have a great opportunity to control the delivery system, provide a great experience for the patients, and at the same time, make some money from things that they don’t physically have to do. They can hire the physical therapist, et cetera.  Yeah. Okay, so that’s great. So what I’m hearing, the framework is: think of growth first—what’s the EBITDA you want? Then create alignment, take yourself out of the center, build systems, and build margin around your core business. So that’s wonderful. Now, step two, I’m not 100% clear on. So you said make alignment with partners, but don’t make it the goal. What do you mean by that?  Well, because particularly I’ve been involved in private equity medical groups. So with private equity, you have cash, you have leverage, so you can go and buy, buy, buy, buy. In private equity, to a degree, they want growth. But I’ve been in deals where the thesis was, for example, we’re all going to be rowing in the same direction with the same flag, same brand, and we’re going to transfer from having—there were four medical groups, so four different, distinct medical groups—and we’re putting them together under what’s called a management services organization, a management company, and basically form one larger group.  But that was never aligned because the doctors, in their head, said, “You’re acquiring me, so you’re buying this magnificent, outstanding business. Now why do you want to change my electronic medical records? Why do you want to change the way we do our, let’s say, revenue cycle management or billing? Why do you want to change our brand? Our brand’s fantastic.” Even though they were all called Dermatology blah, blah, blah, something and something. So you have to make sure that the people that you’re going to bring on board, whether it’s through acquisition, merger, or just employment, that they really believe in your story, that they believe in the core vision of the business.  Not just try to put people in there and make more deals, get more locations, spend more years, and then you put all these things together and you bolt them up, but you spend more time trying to fix it. In my Gastro Health and in the ortho business, we always started with, “Let’s make sure we have our house in order before we go out and start growing the organization and adding more to what we have.” The last thing you want to do is add more and then find out that you have to spend more time fixing it.  No, that makes sense. But then you qualified it. You said, “Don’t make it the goal. Don’t make alignment the goal.” So how does it become the goal? What’s the risk there?  So no, make it the gate, not the goal. Meaning, alignment is extremely important, but you want the alignment to be the one thing that puts you together. But at the end, everybody has to be buying into the idea. It’s not the only goal. Their goal is also money. The goal is growth. But it has to be one of the key things. In healthcare, I tend to think, and particularly with private equity, that’s not perceived. It’s more about getting deals done.  Yeah. They don’t care about the mission. They don’t care about the vision, the alignment.  I think they do. In their thesis, they do, and they want it. But it’s kind of like, at the end, you’re looking at this business. They want to sell, you want to buy, you have money, they want money, and sometimes it’s just easier to say, “Well, we can grow from $30 million to $60 million, from $10 million of EBITDA to $20 million of EBITDA. We’re going to get, instead of a 10 multiple, we’re going to get a 15 multiple.”  So sometimes that gets in the way. And I would say, by the way, I worked with great and fantastic private equity firms, so I’m not saying they all think that way. But for sure, the perception is that they’re going to go in and try to make deals happen because they do have an end goal. Their end goal is to their investors that gave them funds, that they told them they were going to get them a four-, five-, seven-times multiple on their investment.  So in your own business, Synergy Orthopedic Specialists, is this a private equity-funded business or is it bootstrapped?  No. No, it’s bootstrapped. The physicians, when I came on board—at that time, I started with them six years ago in 2020, and the market was really hot still, ’21, ’22, ’23, and then the interest rates went up, and then things have softened. I think also they got softened for what we’ve been discussing earlier. There’s been a lot of deals that have been done where acquisitions were done in multiple states. There’s not a lot of synergy or a lot of things that were worked out to try to make sure that the organization was working together, the multiple organizations that were acquired.  And the idea was, if we buy four million-dollar businesses, they will be, instead of an eight-times multiple, they’ll be a 10- or 12-times multiple. So I think there’s a lot of deals that are stuck in the marketplace right now, and the groups are trying to figure out how to evolve the organization after five, six, seven years from, “Hey, we let you alone. We let you be. But now we need to start integrating. Now we have to start building an enterprise. Now we have to start building a real platform.” And I think that the organizations that did that earlier have been able to exit and done a much better multiple and growth.  And also the key is, in these transactions where people get together, a lot of times it’s all about the fun. “Hey, we go out to dinner, and everybody’s well, and everybody’s happy, and how much money we’re going to make,” and blah, blah. But nobody really asks the tough questions, or some people do because they actually don’t want the deals to get done. But I think it comes from the buyer. The buyer needs to be very upfront with what they want to accomplish with a transaction, whether, again, a merger or an acquisition.  You want to make sure that you’re extremely transparent about what the end goal is going to be. And if the end goal is like, “Hey, I’m going to leave you alone for a year, but in a year and one day, your name’s going to change, your software’s going to change, your HR is going to change. And by that time, we’ll figure out about your staff, and we might probably cut 25% of your staff because you’re bloated, and we actually have to make you a little bit more fit and trim so you can actually be able to grow and provide better care to your patients.”  So what I’m seeing is, it’s quite impressive. You have 15 locations, you have a huge service mix. You have, compared to the number of locations and service mix, a limited number of people. So how do you maintain the Synergy standard? And how do you manage this complexity with such low—low per— It took— How many people?  Yeah, it’s—right. Yeah, I agree. It’s taken some time. Again, I wouldn’t say that it’s perfect. We’re always evolving, changing. I mean, I always say the only constant thing in healthcare is change. But it started with the company culture. When I first got here, there were four or five organizations that came together, and they were still using their old names. Synergy Orthopedics was like this little kind of byline under their business cards. It wasn’t really the brand.  And then over time, we got people in the organization rowing in the same direction, using the same flag, and over time we started to dominate the market. We started to be perceived, and we are today, the largest independent medical orthopedic group in San Diego. So when people think of MSK, we take care of the hockey team, we take care of the soccer team, we take care of professional players. The larger organizations reach out to us about developing contracts, direct contracts to provide services to them.  So that took a long time, but it started with building that company culture. And along the way, some people left. Some people just didn’t fit what we were trying to build. And it wasn’t just me. I didn’t do this by myself, of course. The reality was we built a team around what we were trying to create. Physicians, in this case, are the leaders. Physician leadership was there, and this is what they wanted as well. So I think, yes, when we’re now in other counties we’re in Riverside County, so we’re north of San Diego. We’re all the way to Palm Desert and looking to grow into Orange County and L.A. County eventually.  So the goal is also in growth, and size allows leverage and negotiation power with the different payers. And that’s very different than in other industries where you have a payer, let’s say Blue Shield or Anthem or United, that kind of controls how you’re going to provide service, how much they’re going to pay you, et cetera, et cetera. So the only way to really have any type of seat at the table is that your organization has to be large enough and a market leader and basically be something, or an organization, that they can’t say no to, that they want to have in their network. So that’s how we’ve been able to do this over the last five, six years now.  So what drives the growth? Is it the acquisitions? Is it geographic expansion? Is it payers refer business? What’s the driver?  All of it. You have to do everything. It’s like that movie, Everything Everywhere All at Once. It’s like you have to do everything. We started by first creating the brand and the company culture, expanding that brand and company culture by figuring out who having the right seats on the bus, making sure the right people that wanted to be with us were there. And then we said, “Okay, we don’t have a spine program. Let’s figure out how we recruit a spine doctor. Let’s figure out how we recruit a pain doctor.  Let’s get a foot and ankle specialist because we don’t have one. Let’s expand our sports medicine program.” So we took over a fellowship training program in San Diego that was probably going to expire, and then we took it over and continued the legacy of the physician that started it from the beginning. We’ve done some mergers. We’ve done some acquisitions. We’ve done some new locations. We’ve expanded our physical therapy footprint. We built out an ambulatory surgical center. That was a big endeavor. These things cost millions and millions of dollars. Just in construction alone, it was like $600… I think our overall investment’s somewhere around $12, $15 million, so highly leveraged. We brought in a partner, a national partner, to help us run and fund the enterprise.  We started an anesthesia division. So I would say you have to do everything, and all of it together, as time goes by, creates that vision. As long as you have the vision, like I said, the beginning thing is you have to start with the end goal. And the end goal is we want to build a business that’s independent. That’s our goal. We don’t want to be sold or be part of the hospital system. So you have to build the end goal, work through the process, grow it, and do all the things at the same time, which is extremely hard, I would say.  Yeah. This is fascinating. So you have a lot of complexity. You have a lot of locations, a lot of services, 50 providers. I mean, sometimes doctors can be cats, hard to manage them. Eagles, eagles. I always say, try to get eagles to fly in a straight line. Impossible. Yeah.  But if you had a magic wand and you could fix one thing in your business in the next 12 months, what would it be?  I will be honest, it’s expenses. Expenses can and I’ve talked about this before the pressures in the healthcare industry really are driven around expenses. We just got an increase in minimum wage in healthcare, specifically in California, where a physician practice now has to pay $23 an hour for a minimum-wage job, where minimum wage is almost half of that if you’re in any other industry. So I think everybody should make more than $23, particularly in San Diego. It’s a very expensive place to live.  But I think it’s more around the pressures that are put on the industry, but the levers are not there to increase revenue to be able to support or subsidize those expenses. So, for all intents and purposes, we’re looking at how we increase revenue by keeping expenses the same, or fixed, or a little bit higher than what they are, by augmenting with AI, like every other industry is doing. Figuring out whether it’s using AI in your MRI to be able to process the imaging faster, clearer, better, and be able to add three or four more patients a day. That profit goes straight to the bottom line.  It might be before we had people that are scribes that basically did the documentation of the history, the notes, and the medical records. Now doctors are using—well, they’ve been using voice recognition for a while—but now you’re doing ambient AI, where basically it’s listening to the conversation with the patient, of course with the patient’s approval, and being able to document all that information into the record much faster, quicker, better, and more precise. And so on. Answering the phones, being able to—when the patient gets statements, we typically send out statements every two weeks.  But when we send them, we send thousands of statements, so we get thousands of phone calls. You can’t get all those phone calls when somebody says, “I owe $50, and I don’t know why,” and being able to have an AI that tells you, “The $50 is because you had a copayment or you had a deductible, and it’s due to your insurance program with whatever the insurance is.” And they’re like, “Oh, okay.” “You want to pay that right now?” “Yes.” It sends you a text to your phone, qualifies who you are, you click on it, you put your payment information. The information goes in, the payment gets posted. Nobody got involved. AI took care of the whole process. So we’re trying to figure out how to assist the staff without having to let go. At least my intent is not to let go of people.  My intent is to try to make sure that we do the best job possible and use AI to augment the process, not to replace the staff. I get very worried, in general, about what’s going on with AI as an industry, where people are saying, “Well, I use it as my assistant. I use it as this.” Well, I started at the front desk. If there are no front desk jobs, how could I have been CEO of this multimillion-dollar organization if I didn’t get a foot in the door to begin with? So I feel very worried for my kids that are growing up. One’s studying to be a psychologist, the other one’s in marketing. How are they going to learn and grow in an industry or a business if they can’t get their foot in the door?  Yeah. That is a concern. I don’t know if we can fix it, but I’m worried about it too. So Alex, who would you like to listen to this podcast and to take action? And what kind of action should they take?  Well, I think it’s generic. I always say, I have an MBA in healthcare administration, but I could have gone and done any type of business. Like I said to you, I grew up in the retail industry. So I think it’s more around, if you’re an entrepreneur and you have talent and you’ve worked really hard at doing something, you have to figure out how to hire the right people so that they can do a job that maybe you don’t know how to do, how to scale up a business by investing in it, making sure you don’t look at your business as an ATM machine or a salary that pays you every week or every period of time, but look at it as you’re an entrepreneur, a capitalist.  You’re building an organization. You’re providing jobs for people. But at the end, the business has to give you more than your salary. There has to be equity in the enterprise, and that’s the money you’ll be able to use to maybe have leverage or to use in order to add that next location or look at what’s the next opportunity, whether you’re, again, a doctor or you’re running a retail organization that wants to have multiple locations. The key is, think of the end goal. And the end goal, not necessarily that you’re going to sell, but what is it going to be? What is the business that you want to have valued at, and how have they grown?  Look and listen to other people like yourself, Steve, and all the different things that you do in regard to building that journey of the business, and figure out how to take the next step and the next step and the next step. It doesn’t happen overnight. You don’t get from a $50 million company to a $150 million company. It took me seven years to get there. But it’s done by augmenting and adding features and adding services, but doing it very intelligently, thinking it through, not just adding it for the sake of adding it, then, like I said before, having to bolt it on and try to fix more of the problems, creating more problems.  No. Fix your house, figure out where you’re at, make sure it’s earning equity. Maybe you have to reprice. Maybe you have to figure out how the business needs to run a little bit nimbler. Maybe you have to use technology, whether it’s AI answering the phone because you’re the guy that—you have a pizza shop. Why do you have to have people answering? Have the AI take the order, have the AI tell people to go to the website, and so on, so you can have pizzas going out of your store every five minutes. So for sure, there are great opportunities. And if you’re a business owner, I want you to think that you can. It’s not impossible. It can be done. You don’t need an MBA. You just need to work hard and think it through and come up with a business plan and an idea on how you want to get there.  Yeah. Well, this is very inspiring. So if you are a founder, you’re running a business, or you’re about to start a business, look at what Alex has done. He was a son of Cuban immigrants, came to this country, built from nothing a 15-location, 50-provider medical group, and works with private equity, advises companies as well. Follow his example.  So Alex Fernandez, thank you for sharing your wisdom on the show. And if you’re listening and you enjoyed this conversation, stay tuned because I have a couple of exciting entrepreneurs every week who come on the show and share their secrets and frameworks with you. So thanks for coming, Alex, and thank you for listening. Important Links: Alex's LinkedIn Alex's website

There are TOO many apps. A man in a Chucky mask is chasing people around, Lazlo stole a ton of money from an ATM, and Omaha is electric shocking kids. Joshua Vernier gives Lazlo advice on how to throw out the first pitch today, and SlimFast's mom gaslit him into thinking she was dying. Stream The Church of Lazlo podcast on Apple Podcasts, Spotify, or wherever you get your podcasts!

In November 1991, Cindy Wanner disappeared from her sister's home in Granite Bay, California, leaving behind her 11 month old daughter, her shoes, her coat, and her car. Her missing purse and a later ATM transaction were among the few clues investigators had to work with. Nineteen days later, Cindy was found in a remote area of the Sierra Nevada foothills. Investigators determined she had been held for nearly two weeks before her death, turning the disappearance into a murder investigation that would remain unsolved for decades. For 35 years, detectives revisited the evidence without finding a suspect. Then in 2026, new DNA testing pointed investigators toward James Lawhead Jr., a man with a prior violent criminal history who had spent years living under different identities. Investigators eventually located him in Arizona and arrested him in April 2026. Lawhead now faces a murder charge with additional special circumstances connected to the case. The arrest marks a major breakthrough, but for Cindy's family, the search for justice after more than three decades is not over. Follow True Crime Recaps for weekly cases examining real investigations, cold cases, and the justice system. Learn more about your ad choices. Visit megaphone.fm/adchoices

At this moment, Jim is back in the US and Amos is in Australia shooting a movie. Amos starts off with an embarrassing story about a fake job of his and then the two tackle some stories around the world like a mistaken murder, mutiny, and the Edinburgh Fringe Festival.ADS:MOOD: Head to http://www.mood.com, find the functional gummy that matches exactly what you're looking for, and let Mood help you discover YOUR perfect mood. And don't forget to use promo code ATM when you check out to save 20% on your first order. Try it today at http://www.mood.com. QUINCE: Download the Quince app for app-exclusive offers, or go to http://www.Quince.com/ATM. Get free shipping on your order and 365-day returns. Now available in Canada and the UK, too.SOCIALS:Jim JefferiesWebsite: ⁠https://www.jimjefferies.com⁠IG: ⁠https://www.instagram.com/jimjefferies⁠FB: ⁠https://www.facebook.com/JimJefferies⁠Twitter: ⁠https://twitter.com/jimjefferies⁠Amos GillIG: @abitofamosgillFB: ⁠https://www.facebook.com/AmosGillComedy/⁠Theme Song: "Rein It In Cowboy" by the DoohickeysSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of This Week in AML, Elliot Berman and John Byrne break down FinCEN's final rule eliminating beneficial ownership reporting requirements for millions of small businesses and discuss what the move means for AML compliance, transparency, and financial crime prevention. The conversation also explores the renewal of FinCEN's Minnesota Geographic Targeting Order and the growing debate over whether the U.S. is experiencing a true fraud crisis, including insights from Jonathan Rusch's recent analysis of federal fraud enforcement efforts. Beyond the U.S., the hosts examine OCC concerns that led to the rejection of a European fintech's national bank charter application, the Luxembourg FIU's new authority to freeze fraud-linked payments, developments surrounding European beneficial ownership registries, Russia's reported sanctions-evasion payment network, and Australia's enforcement action against a major cryptocurrency ATM operator. The episode concludes with a discussion of a new de-risking resource for nonprofits.

Bongani Bingwa speaks to constitutional law expert Pierre de Vos about the explosive allegations emerging from the Madlanga Commission, including alleged police links to criminal syndicates, possible extra-judicial killings and suspicious payments involving senior KZN officer Lieutenant Colonel Deena Govender. They’ll also unpack questions around IDAC’s investigation into former police commissioner Fannie Masemola and the credibility of NCC MP Fadiel Adams. And on the Phala Phala front, the Constitutional Court has refused the ATM and other parties direct access to challenge the order stopping public hearings, leaving President Cyril Ramaphosa’s impeachment inquiry on ice for now. 702 Breakfast with Bongani Bingwa is broadcast on 702, a Johannesburg based talk radio station. Bongani makes sense of the news, interviews the key newsmakers of the day, and holds those in power to account on your behalf. The team bring you all you need to know to start your day Thank you for listening to a podcast from 702 Breakfast with Bongani Bingwa Listen live on Primedia+ weekdays from 06:00 and 09:00 (SA Time) to Breakfast with Bongani Bingwa broadcast on 702: https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/36edSLV or find all the catch-up podcasts here https://buff.ly/zEcM35T Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio7See omnystudio.com/listener for privacy information.

Ever wondered about the hidden scams that digital nomads encounter around the globe? In today's episode, hosts Jeff & Marisa share essential insights into scams and traps that nomads face on the road. Here's a sneak peek:

If you have tried to get cash out recently, you might have noticed it is a little harder to find an ATM - or at least one that is owned by your bank. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

Today on the Woody and Wilcox Show: Warning about owls; Rabbit saves family; ATM fees and paying cash; Bank of America lawsuit about log-in times; Pretentious hobbies; Americans struggle with sleepiness; Swearing parrot is up for adoption; And more!

More on TANF discussions and how much of the clothing voucher program is being used at the ATM. Del. John Williams and Senator Eric Tarr weigh in. Brad McElhinny has the latest on the Greenbrier ownership saga. Plus, your calls and texts. 

In this episode of The Leverage Podcast, host Ben sits down with Paul Alex Espinoza, founder of CashWipe.com. Discover how Paul escaped 100-hour workweeks as an undercover narcotics and special victims detective to build an $18 million empire in the ATM and credit card processing industries. If you want to learn how to turn a side hustle into passive income, master business delegation, and achieve true financial freedom, this step-by-step breakdown is for you Ready to leverage a VA who keeps things moving behind the scenes? Throw a time on our schedule: https://bit.ly/4bMoKGX #CashWipe #ATMBusiness #CreditCardProcessing #PassiveIncome #SideHustleToEmpire #MerchantServices #BusinessDelegation #FinancialFreedom #BusinessScaling #EntrepreneurMindset #Entrepreneurship

Last week, our expert Arthur Brooks gave us some surefire advice for resetting the parent-child relationship so your kids don't treat you like an emotional ATM. On this episode of How To!, he's going to teach our listener, Karen, how to balance the books, so to speak, by taking some withdrawals of her own. He has some surprising tips for how to restrain yourself from swooping in to save the day when it would be better to let them figure it out. Starting with a hilarious story of the time Arthur's adult son called him—pantsless—from Las Vegas. If you liked this episode, check out part one: "How To Parent Less." Do you have a problem that needs solving? Send us a note at howto@slate.com or leave us a voicemail at 646-495-4001 and we might have you on the show. Executive Producer Corey Wara Edited by Geoff Craig Booking by Ben Astaire Do you have a burning question or a problem you need help with? Email us at howto@mikepesca.com and we will consider your topic for the show. For full Pesca content and updates, check out our website at https://www.mikepesca.com/⁠⁠⁠⁠⁠⁠⁠⁠ To receive ad-free content, become a Pesca Plus subscriber at ⁠⁠⁠⁠https://subscribe.mikepesca.com/ For Mike's daily takes on Substack, subscribe to The Gist List https://mikepesca.substack.com/ Follow us on Social Media:⁠⁠⁠⁠ Instagram https://www.instagram.com/pescagist/ X https://x.com/pescami YouTube https://www.youtube.com/@pescagist⁠⁠⁠⁠ TikTok https://www.tiktok.com/@pescagist To advertise on the show, contact ⁠⁠⁠⁠ad-sales@libsyn.com⁠⁠⁠⁠ or visit ⁠⁠⁠⁠https://advertising.libsyn.com/howto Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How often do you reach for cash when making a purchase? If you are like most Americans, it's not very often, and the bigger the purchase, the more likely you are to use a credit or debit card. Fraudsters are aware of these statistics so they develop tricky tactics to intercept your card information during the purchase process.  Links: Check out the news story covering gluing: https://abc7news.com/glue-in-atm-slot-chase-scam-tap-card-bank/12935385/ Learn more about Triangle's Better Checking account with ID Protection Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Now, more than ever, it's important to safeguard sensitive card information to prevent an interruption in your ability to make important purchases. It's often stressed to pay attention to any attempts to steal our information when we use our cards online, but the unfortunate reality is that even if the card stays in your physical possession while paying, there are several ways that your card information can be stolen or used fraudulently. Let's revisit two of these criminal practices, and learn how you can be your own superhero and stop fraud before it happens.  Skimming  You've probably heard about this one before. Skimming is a technique employed by criminals to steal sensitive payment card data, including credit or debit card numbers, PIN codes, and other personal information. Even though this illegal technique has been around for more than twenty years, it is still one of the most common types of card fraud. It typically occurs when a physical device, known as a skimmer, is placed on or near a legitimate card reader, such as an ATM or a point-of-sale (POS) terminal at a store or gas pump. The skimmer is designed to capture card data, while an additional component, like a hidden camera or keypad overlay, records PIN codes or other information about the payment card transaction. Even if you have a chip card, many card terminals still use the magnetic stripe on the back of the card in addition to or instead of the chip. The only transactions that are not subject to skimmers are those where you do not insert your card past the chip portion, therefore, the magnetic stripe is not readable, or you use Tap-to-Pay. Tap-to-Pay allows a cardholder to physically tap the card on the device, which uses short-range wireless card reader technology to access the account, rather than relying on the physical attributes of the card.     How to Detect a Skimmer:  Examine the Card Reader Carefully: When using an ATM, or a POS terminal at a store or fuel pump, check the device for anything that looks odd. Fraudsters may attach a skimmer directly over the card slot or PIN pad, resulting in something that is not the same color or shape or looks bulky. Look for any other signs of tampering, such as scratches, glue residue, or a loose-fitting card slot (touch to see if it moves). If anything seems suspicious, avoid using the machine and report it immediately.  Use Your Hand to Shield Your PIN: You may have developed a habit of using your hand to shield the keypad when entering your PIN code if you are in line at the grocery store, but what about when you are alone at an ATM or gas pump? You need to include this as a habit every time you enter your PIN, no matter where you are. Criminals often install tiny miniature cameras at the point where a skimmer is installed to capture your PIN, as the skimmer captures the information from your card. Use Secure and Trusted Devices: Whenever possible, use ATMs or payment terminals that are in well-lit, secure areas. When filling up, choose pumps close to and within sight of employees. Illegal skimmers must be installed by someone, and criminals will choose areas where they are the least likely to be noticed and caught. Monitor Your Accounts Regularly: Regularly review your bank statements, credit card statements, and transaction history for any unauthorized or suspicious activity. Report any discrepancies to your financial institution immediately.   Gluing or "Glue-and-Tap"  Gluing or Glue-and-Tap is a method that criminals are using at ATMs to access your bank account directly, skipping the need for your card information altogether. This scam typically occurs at a free-standing ATM in a well-trafficked area where people approach on foot. It goes like this. The perpetrator pours glue into the card reader, setting up the scam. Sometime later you visit the ATM to retrieve cash, but you find that you can't insert your card. A seemingly helpful bystander tells you that the machine is jammed, but if you tap your card, you can still make a withdrawal. At that point, you tap either your card (or phone), enter the PIN required for tap transactions, and leave, often even thanking the “helpful” stranger. The bystander is counting on you, the victim, not being familiar with this type of withdrawal and unaware that you will need to take an extra step to exit the account on the screen before leaving the ATM. Unlike when a card is inserted, and the account window closes when the card is removed, a tap transaction must be closed out on the screen. The criminal perpetrating this scam expects the victim to be unfamiliar with the process, and they can then drain the account that has been left open. Some victims even report being uncomfortable due to the bystander's presence; therefore, completing their transaction and being distracted in their effort to leave the area quickly and safely, leaving their account window open, even if they know better. Scammers utilized this method back in 2023 during a series of incidents in San Francisco, which was featured in a video news report.  To help protect yourself, avoid any ATM with a card reader that doesn't seem to work properly. If you are comfortable using the tap feature on your phone or card for transactions, always wait for the prompt asking if you are finished and confirm that your account is no longer accessible before leaving.  It's up to all of us to stay protected against identity theft, particularly in the case of payment card fraud. But if a criminal gets your payment card, they may not stop there. If you feel you may be a victim of identity theft, we have professionals standing by to help you get your life back on track. If you have a Better Checking account at Triangle, take a moment to review and activate your monitoring benefits. This will help you stay informed of any activity that could indicate you are a victim of identity theft.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.           Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

In this episode of NDS Chronicles, David Lee Corbo, aka The Raven, and TopLobsta open another collection of listener-submitted paranormal testimonies, bizarre dreams, demonic encounters, and spiritual warfare stories—all examined through the unmistakable Nephilim Death Squad mix of biblical analysis and dark comedy.The episode begins with updates about Brohemian Grove before diving into Kate's disturbing dream journal. Her visions include apocalyptic waves of locusts, fire in the sky, roads being torn apart, an overwhelming wave of evil, an airport lockdown, failed communications, Freemasons, a ghost pushing an empty wheelchair, a terrifying baby ghost, and a freezing presence that covers an entire house in supernatural darkness. The guys compare the locust imagery to the creatures described in Revelation and attempt to separate random dream logic from potentially meaningful biblical symbolism.The main testimony follows Nathan's alleged encounters with Lilith. During a violent thunderstorm, he sees a white silhouette in his hallway before a pale woman with completely black eyes appears in his kitchen and lunges toward him. The discussion expands into the ancient imagery of Baal, a possible visual similarity involving the Palantir logo, Beelzebub as the “Lord of the Flies,” insectoid entities, greys, and unclean spirits. Bible passages and concepts discussed include 2 Corinthians 11:14, 2 Kings 1, Revelation 16:13, and the authority believers have through Jesus Christ over spiritual attacks.Nathan then describes unexplained whispering heard by both him and his dog, a near-fatal accident involving a 250-pound sheet of glass, the appearance of a shape resembling Lilith's sigil, and a late-night ATM encounter marked by sudden freezing temperatures, a putrid smell, and an owl calling nearby. He responds by rebuking the entity in the name of Jesus Christ.Do these testimonies describe demonic oppression, symbolic dreams, coincidence, or something else? Share your interpretation in the comments.► Subscribe for more Biblical analysis, Christian worldview discussions, and conspiracy research through a Biblical lens.Listen on Spotify, Apple Podcasts, and everywhere podcasts are available.00:00 NDS Chronicles Intro00:53 Paranormal Testimonies and Show Introduction02:50 Brohemian Grove Event Updates07:07 Kate's Paranormal Dream Journal07:48 Apocalyptic Locusts and Revelation18:16 The Spiral Medicine Cabinet Dream20:55 Airport Lockdown and Communication Blackout21:33 Sam Tripoli Appears in the Dream35:26 Freemasons and the Strangest Dreams37:14 The Baby Ghost and Haunted Wheelchair38:36 Freezing Darkness Invades the House42:21 Nathan's Encounter With Lilith45:30 Thunderstorm and the Pale Woman48:11 White Silhouette in the Hallway48:51 Black-Eyed Woman Lunges From the Kitchen51:24 Baal Symbolism and the Palantir Logo56:31 Alien Types, Beelzebub and Revelation 16:1357:28 First Attack: Witching-Hour Whispers61:22 Second Attack: The Glass Factory Accident73:11 Lilith's Sigil Appears74:00 A Toxic Love Story and Lilith Symbolism78:31 Third Attack: The ATM Encounter79:51 Sudden Cold During a Spiritual Attack80:22 The Smell of Death and the Owl81:52 Rebuking Lilith in Jesus' Name82:25 Movie Recommendations and OutroBecome a supporter of this podcast: https://www.spreaker.com/podcast/nephilim-death-squad--6389018/support.☠️ Nephilim Death Squad — New episodes 5x/week.Join our Patreon for early access, bonus shows & the private Telegram hive.Subscribe on YouTube & Rumble, follow @NephilimDSquad on X/Instagram, grab merch at toplobsta.com. Questions/bookings: chroniclesnds@gmail.com — Stay dangerous.

00:03:50 — Slang School Begins: Parker announces a 2026 slang check so the crew can stay current, which is already the least current sentence possible. 00:04:47 — Mogging Explained: The guys learn that “mogging” means outshining or dominating someone, mostly through appearance, and immediately age seven years. 00:05:29 — Looksmaxing and Mewing: The crew breaks down looksmaxing, mewing, and the strange internet belief that your jawline can become a full-time project. 00:07:38 — Receipts Become Strip Club Receipts: “Receipts” starts as proof, then becomes proof someone paid cover, used the ATM, and ordered steak at a strip club. 00:09:40 — French Fry Mexican Restaurant: A Mexican restaurant with surprisingly good fries inspires the guys to invent French fry fajitas, which honestly might work. 00:12:53 — Menty B Arrives: “Menty B” is revealed as slang for a mental breakdown, and the crew realizes the phrase is both ridiculous and dangerously useful. 00:13:56 — Cooked and Crash Out: The slang lesson turns into a parenting diagnosis as “crash out” is described as losing emotional control, which apparently happens daily with kids. 00:17:16 — The Adult Slang Warning: Parker warns the kids not to listen before explaining a term that turns the show into a haunted internet dictionary. 00:21:47 — Concert Diapers: Fred explains that some fans wear diapers to keep their front-row concert spots, and the room instantly regrets being alive in 2026. 00:23:10 — Big Diaper Censorship: Fred briefly disappears right as the diaper topic heats up, creating a perfect conspiracy that Big Diaper silenced him. 00:23:47 — Blues Traveler Front Row: Fred admits the one concert he really wanted to be up front for was Blues Traveler, because apparently the harmonica demanded respect. 00:31:55 — Friendship Test Time: The crew celebrates Friendship Day by testing how well they know each other, which quickly proves friendship is mostly guessing and laughing. 00:36:28 — Darkest Secrets: The quiz jumps from favorite colors to darkest secrets, which feels like a survey written by a teenager with no concept of adult consequences. 00:41:45 — Dream Job: Boiled Peanut Man: Fred's dream job becomes selling boiled peanuts from the back of a truck, and honestly, it may be his most realistic business plan yet. 01:00:00 — Biggest Fear: The episode closes with fears of falling, mountain stories, and the terrifying idea that the 250th episode is almost here. #blcpodcast #podcastingforthepeople #funny #podcast #greenvillesc #scpodcast #yeahthatgreenville Listen at: https://americasfavoritepodcast.com Follow us on Facebook: https://www.facebook.com/blcpodcast/ Check us out on Instagram: https://www.instagram.com/blcpodcast/ Buy Fred and Allan Beer: https://www.patreon.com/blcworld

What if your Human Design chart could become the income strategy you actually trust? In this episode, Danielle breaks down everything you need to know about her upcoming live workshop, How to Turn Your Human Design Chart into an ATM. This three-hour intensive is designed to help you move out of overwhelm, resist less, and align your business with the five essential Wealth Codes that create sustainable success. Whether you're brand new to Human Design or you've been studying it for years, Danielle explains why you don't need to master every detail of your chart to create more sales, stronger offers, and consistent momentum. You need to understand the five frequencies that matter most and learn how to apply them directly to your business. If you're ready to turn your chart into a practical strategy for your offers, marketing, and next cash injection, this episode gives you everything you need to know before joining Danielle live on August 7th. In this episode, you'll learn: Who the How to Turn Your Human Design Chart into an ATM workshop is designed for Why the way you navigate this season can create momentum into 2027 How the five essential Wealth Codes simplify your Human Design chart Why you don't need to understand every part of your chart to create results How your Wealth Codes can strengthen your offers and marketing Why overwhelm often comes from focusing on too much information How your chart can become an income strategy you control What Danielle means by creating a fast pass to sales without struggle What you'll work through during the live three-hour workshop How Get PAIED VIP members can attend the event complimentary Your Human Design chart isn't meant to create more confusion. It's meant to show you how to build, market, sell, and lead in a way that is naturally aligned with who you are. When you stop trying to use every part of the chart at once and focus on the five frequencies that move the needle, your offers become clearer, your marketing becomes more magnetic, and your next decision becomes easier to trust. Three hours. Five essentials. One decision. And a new way to use your chart as the income strategy behind your business.   Links & Resources Join the How to Turn Your Human Design Chart into an ATM Live Workshop Download your Wealth Codes Chart  Get the Email Series That Pays

"Why do that to such a gentle man? If they had wanted his money, he would have given it to them."On the evening of 21 October 2009, 50-year-old Alan Wood dropped by his local pub, the Willoughby Arms, in the nearby town of Little Bytham. He had a pint and a snack while he read the newspaper, and then headed home to his bungalow in nearby Lound at approximately 6:30 PM. It was a typical night for him and nothing seemed to be out of the ordinary.For the next three days, no one heard from him. He didn't show up for his scheduled shifts at a Sainsbury's supermarket. When called, he didn't answer. It wasn't until that weekend - the 24th of October - that a friend and colleague from Sainsbury's went to go check on Alan. When they arrived, they found both the front and back doors of Alan's home were wide open...If you have any information about this story that you'd like to share, please contact:Lincolnshire Police: 101Crimestoppers UK: +0800555111Check out the podcast store at unresolved.dashery.comIf you would like to support this podcast, consider heading to https://www.patreon.com/unresolvedpod to become a Patron or ProducerBecome a supporter of this podcast: https://www.spreaker.com/podcast/unresolved-a-true-crime-mystery-podcast--3266604/support.

At this moment, Jim and Amos finally regroup during two of their international tours. Amos is calling in from Greece and Jim from Australia. They catch up on what they've been up to.ADS:MOOD: Head to http://www.mood.com, find the functional gummy that matches exactly what you're looking for, and let Mood help you discover YOUR perfect mood. And don't forget to use promo code ATM when you check out to save 20% on your first order. Try it today at http://www.mood.com. SOCIALS:Jim JefferiesWebsite: ⁠https://www.jimjefferies.com⁠IG: ⁠https://www.instagram.com/jimjefferies⁠FB: ⁠https://www.facebook.com/JimJefferies⁠Twitter: ⁠https://twitter.com/jimjefferies⁠Amos GillIG: @abitofamosgillFB: ⁠https://www.facebook.com/AmosGillComedy/⁠Theme Song: "Rein It In Cowboy" by the DoohickeysSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

"Three Things You Need to Know"...ATM jackpotting results in arrest...Fauci hearing...National Chicken Wing Day...Fauci hearingSee omnystudio.com/listener for privacy information.

The show OPEN... alarm clocks... lost at sea... and ATM's!

Send us Fan MailYou ever try to “do everything right” and still feel like the world is setting you up? We start with a real food safety fear around a cyclospora parasite investigation tied to fresh produce and the way big suppliers and salad kits can ripple through grocery stores and restaurants. It turns into a blunt reality check about what “healthy” even means when the supply chain is this tangled, plus practical talk on what to watch for and why people are fed up.Then we pivot into culture and conscience. We break down the viral phrase “Quiet On The Creek” and what it really means when your life is too loud online. After that, the moral dilemma hits: you walk up to an ATM and there's a bag of cash sitting there. Do you keep it, turn it in, or take a little and hope the cameras didn't catch it? The story of someone returning a huge bag and getting a $500 reward sparks an honest debate about ethics, survival, and fairness.The big conversation sits on the trend that won't go away: “I'm tired of being independent.” We talk independence versus isolation, why refusing help can become an identity, and what a healthy partnership looks like when autonomy still matters. We also sit down with guest Andrea “Miss Jones087,” the admin of Ladies of Charlotte, to hear how she's building a women's community in Charlotte focused on respect, meetups, and real support when life gets heavy.If you rock with real, raw talk, subscribe, share this with a friend, and leave a review. What's your definition of independence right now?Follow us on social media www.instagram.com/noadvisorypodcast

As homicide detectives investigated the violent beating death of a sandwich shop clerk, they soon realized the young woman wasn't the only one savagely attacked that night. As the hunt for a killer intensified, Global News Senior Crime reporter Nancy Hixt shares how evidence discovered from a robbery at a nearby ATM led to police identifying a suspect in this violent crime spree. Contact: Instagram: ⁠⁠⁠⁠⁠@nancy.hixt⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠https://www.facebook.com/NancyHixtCrimeBeat/⁠⁠⁠⁠⁠ Email: ⁠⁠⁠⁠⁠nancy.hixt@globalnews.ca⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

A new state law taking effect Aug. 1 aims to put a stop to scams that have caused Minnesotans to lose nearly a million dollars over the last few years.The schemes involve tricking people into depositing large sums of money into ATM-like machines called cryptocurrency kiosks. State lawmakers passed a ban on these kiosks this past legislative session in light of these scams. It was signed into law by Gov. Tim Walz in May 2026.MPR News host Nina Moini spoke to Sara Payne, assistant commissioner of enforcement with the Department of Commerce, and Cathy McLeer, state director of AARP Minnesota, about the law and how it works.

What if hitting prostate cancer earlier and harder is the key to delaying disease progression and sparing patients from invasive salvage therapies? In this follow-up to his i3 Health Virtual Tumor Board, Stephen Freedland, MD, Cedars-Sinai Medical Center, unpacks practice-changing data from ASCO that is actively reshaping care algorithms across the prostate cancer continuum. Dr. Freedland dives into the breakthrough TALAPRO-3 trial—exploring why talazoparib plus enzalutamide is making waves across diverse HRR alterations (including BRCA and ATM)—and analyzes how the PROTEUS trial's 35% reduction in subsequent salvage therapies could redefine surgical planning for high-risk localized disease. Plus, get an insider's look at what's on the horizon with PSMA PET imaging, T-cell engagers, and AR degraders.

What happens when you suspect your spouse isn't telling the truth about the finances? Susan Guthrie says it's more common than you think, and it's exactly what forensic accountant Tracy Coenen does for a living. Tracy Coenen has spent more than 25 years uncovering hidden money in corporate fraud cases and in divorces too. She calls it "divorce financial planning," when someone sees a split coming and starts thinking about what they can do with the money so they don't have to divide it or pay support on it. She also calls out "divorce amnesia," the sudden inability to remember an inheritance or a bank account on a financial disclosure form. Tracy returns to Divorce and Beyond to walk through the five most common ways people hide money when a marriage ends. As a divorce attorney for more than three decades, Susan has seen plenty of these sneaky moves herself, and she knows a forensic accountant can almost always find them. Together, she and Tracy go through the practical, do it yourself steps to spot the signs using bank statements, tax documents, and a little pattern recognition, without hiring a small army of experts. If the numbers in your divorce have ever felt off, this one is for you. What You'll Learn What to look for when a spouse is only depositing part of their paycheck into the joint account Why a sudden increase in cash withdrawals, or a spouse suddenly hitting the ATM, is worth a closer look How gift cards and cash back at checkout can become a quiet way to siphon money out of the marital estate How to spot a secret credit card, especially when it's hiding at the very same bank as your main account Why a paycheck, bonus, or commission that vanishes right as a divorce begins may not be a coincidence How pulling together the right bank statements and tax documents lets you spot these patterns yourself, without paying a forensic accountant Episode 4 of 8 in the Divorce & Beyond Summer Essentials Series. This summer, Divorce & Beyond brings back 8 the episodes listeners reach for most, the conversations with the clearest, most practical guidance for anyone thinking about, going through, or rebuilding after divorce. New Essentials air every other Monday all summer. Follow the show so you never miss one.  About this week's special guest: Tracy Coenen Tracy has been investigating fraud for more than 25 years, but she didn't always want to be a forensic accountant. With a dream of one day being a prison warden, Tracy went to Marquette University in Milwaukee, WI to get a criminology degree. A class on financial crime investigations reminded her how much she loved Encyclopedia Brown books as a kid. She continued her criminology degree, but added accounting and economics courses so she could sit for the CPA exam… and here Tracy is, finding money in cases of corporate fraud, high net worth divorce, and other financial shenanigans. Find More Information on Tracy: Fraud Coach: http://fraudcoach.com/beyond Find Me The Money: Take Control, Uncover the Truth, and Win the Money You Deserve In Your Divorce https://amzn.to/3A105ep Take the assessment: Is there financial fraud in your marriage? https://www.fraudcoach.com/a/2147522699/Epr7xfEb  The Divorce Money Guide: https://www.fraudcoach.com/a/2147518094/Epr7xfEb  Win Your Divorce:  https://www.fraudcoach.com/a/2147528573/Epr7xfEb  Win Your Divorce All Access Pass: https://www.fraudcoach.com/a/2147528572/Epr7xfEb Check out Tracy's previous episode: How to Spot the Red Flags of Financial Abuse in Divorce with Top Forensic Accountant, Tracy Coenen If This Episode Helped You Follow Divorce & Beyond so you never miss an episode. Share it with someone who needs clear, reliable guidance right now. And if you have a moment, a five-star review makes a real difference in helping the show reach the people who need it most. Follow Divorce & Beyond Website: divorceandbeyondpod.com Instagram: instagram.com/divorceandbeyondpod About the Host: Susan Guthrie, Esq. Susan Guthrie is one of the nation's leading family law and mediation attorneys, with more than 35 years of experience helping people navigate divorce with clarity and strategy. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker and trainer. Susan recently appeared as the featured expert on The Oprah Podcast and has been cited in The Wall Street Journal, Forbes, Town & Country, The Washington Post, NewsNation, and NBC Chicago Today, among others. As the creator and host of Divorce & Beyond, ranked in the top 1% of all podcasts worldwide with more than 1.3 million downloads and an Apple Top 100 Self-Help designation, Susan brings together leading legal and mental health experts to help listeners move through divorce and into what comes next. Learn more at divorceandbeyondpod.com/about.   Disclaimer: The commentary and opinions shared on this podcast are for informational and entertainment purposes only and do not constitute legal advice. Consult a licensed attorney in your state regarding your specific situation.  

Money blocks aren't really about money. They're about the fears, conditioning, and identity patterns that quietly shape how much you're willing to receive, charge, risk, and trust yourself. In Part 3 of the Wealth Code Essentials Series, Danielle introduces a powerful new perspective on abundance through the acronym M.O.N.E.Y. — My Own Natural Energy Yield. She explains why your natural energy is designed to generate prosperity and how deconditioning the fears that block it allows you to experience more ease, synchronicity, and sustainable wealth. This episode explores how each Human Design Energy Type experiences unique money blocks, why business moves through seasons, and how the PAIED Method helps you release fear instead of building your business around it. In this episode, you'll learn: What M.O.N.E.Y. (My Own Natural Energy Yield) really means and why it changes how you view abundance The biggest money block each Human Design Energy Type tends to face Why impatience, people-pleasing, hiding, forcing, or overworking quietly limit prosperity How business seasons create different opportunities for growth and expansion Why fear, not lack of strategy, is often what's blocking your next level How the PAIED Method helps decondition money blocks instead of bypassing them Why pressure isn't a sign you're off track, but often part of the expansion process How increasing your capacity creates greater income without working harder Why your business grows as you learn to trust your own natural energy instead of outside validation How the five essential Wealth Codes unlock greater flow, confidence, and financial momentum Your next level of income isn't waiting for another certification, strategy, or perfect funnel. It's waiting for the version of you who trusts your own natural energy enough to lead from it. When you stop making decisions from fear and begin operating from your own natural energy yield, money stops feeling like something you chase and starts becoming something you naturally create. That's what happens when you become the ATM.   Links & Resources Join the How to Turn Your Human Design Chart into an ATM Live Workshop Download your Wealth Codes Chart  Get the Email Series That Pays

Friday, 24 July 2026   Which of the two did the will of his father?” They said to Him, “The first.” Jesus said to them, “Assuredly, I say to you that tax collectors and harlots enter the kingdom of God before you. Matthew 21:31   “‘Which from the two, He did the ‘determination, the father'?' They say to him, ‘The first.' He says to them, the ‘Jesus', ‘Amen! I say to you that the taxmen and the prostitutes, they precede you into the ‘kingdom, the God'.'” (CG)   In the previous verse, Jesus continued the parable, noting that the second son said he would go into the field, but he didn't go. Jesus next asks the leader a question, “Which from the two, He did the ‘determination, the father'?”   The question probably didn't take long for them to think through. The first son said he wouldn't go, but later regretted it and went. The second son said he would go, but never went. The answer is obvious, and so, “They say to him, ‘The first.'”   The leaders of Israel were able to figure it out. Even if the first was testy in his response and left dad without committing to work, he had a conscience and let it work through until he resolved to go. The second was quick with a positive response, but he never did what he said he would do. Having answered correctly, Matthew next records, “He says to them, the ‘Jesus', ‘Amen! I say to you that the taxmen and the prostitutes.'”   A new word is seen here, porné, a sex worker. Figuratively, it is applied to idolaters. The two categories, taxmen and prostitutes, were about as lowly as one could go in the Israelite society. Understanding that Jesus is speaking to the leaders of Israel, who were rather amazing in their own eyes, the next words must have been very hard for them to receive. These lowly people, Jesus continues, “they precede you into the ‘kingdom, the God.'”   Jesus will explain the reason for His words in the next verse, but it is obvious that they are the second son referred to in the parable. They have said they would do something, but their actions belie their words.   Life application: Think about how God receives people. The Bible says we are saved by grace through faith. No works are included in the equation. And yet, all over the world, people are doing their very best to earn God's favor in some manner or another.   This is true with the world at large, but the attitude permeates Christianity as well. Much of this is prompted by denominations and churches that mandate certain things from their people, as if those things will make a person right before God.   Obviously, money is one of the big items on such a list. Sometimes, the expectation for money is so inculcated into people that there is no need to mention tithing. The RCC has a pretty good handle on their people giving, even though tithing is not a main weekly teaching.   If you go into a Baptist church, you might hear tithing mentioned two or three times in every meeting you attend. Some churches make it sound like you will receive God's favor if you give, pulling verses from Scripture out of their context in order to get their followers to give more. But the implication is that in not giving, you are not doing right.   They will use catch phrases, repeating them again and again to assure their followers that giving will mean getting. The great ATM in the sky rewards you with interest every time you give to the church. In the end, such teachings make people feel like they must earn God's favor.   Other groups of people believe they are inherently good as individuals or as a culture. Because of this, God loves them and will swing the door of salvation open to them just because of who they are. Many Jewish people are certain they are in this category and that they have automatic entrance into heaven because of who they are (Jews).   Jesus sweeps all of this nonsense away. He alone has accomplished what is necessary to be pleasing to God. You cannot buy your way into it, and you are not inherently special enough for God to make an exception for you. The things you possess, the degrees you might have, the family line you belong to, etc., are not exceptions to God's plan of salvation.   There are those who have received the gospel, accepted Jesus' payment for their sin, and who will be saved, and there is everyone else. Jesus' words to the leaders of Israel must have been shocking and offensive to their ears, and this was before He died for their sins. How much more offended must they have been when they were told that they were sinners like all other people, and they would not see heaven without believing the gospel?   But this is how it was, how it is, and how it will be. Jesus alone restores fallen man to God. Let us be wise in our choice and then diligent in our proclamation to others. To the glory of God who sent Jesus to bring us back to Himself!   Lord God Almighty, thank You for receiving lowly people who come to You by faith. Thank You for allowing us to be included in Your wonderful plan of salvation through simple belief in what You have done. All praise, glory, and honor to You forever and ever. Amen.

In this Thursday episode of Murder in the Black, we cover the murder of 21-year-old Asia Adams, a West Chester University student whose life was taken inside her mother's Germantown home in November 2004.What first looked like a house fire quickly became something else. Investigators found Asia's body in an upstairs bedroom, but the fire was not the beginning of the story. It was the cover-up.This episode follows the investigation from the neighbor who heard the door, to the missing bank cards, the ATM withdrawals, the nickname “Napoleon,” Asia's dorm room, the witness statements, and the courtroom testimony that led to convictions for Thomas Strode and Simeon Bozic.We also talk about Asia's life before the crime, her mother Shelah Harper's fight for justice, and the work that came afterward through the Asia Adams Save Our Children Foundation.At the end of the episode, we close with a True Crime in Current News segment covering recent updates in the D4vd/Celeste Rivas Hernandez preliminary hearing and the independent autopsy update in the Nolan Xavier Wells case.Cases discussed:Asia AdamsThomas StrodeSimeon BozicCeleste Rivas HernandezNolan Xavier WellsListen with care. This episode discusses domestic violence, murder, arson, sexual assault allegations, violence against a young woman, and the death of a teenager.

Mick and Titus examine the perfect crime, unlimited cash from an ATM. Would you feel guilty? Or would you find a tropical island and never return? If you’d like more Bizarre, become a member of Bizarre Plus. Click here to join today As a member, you’ll get: A weekly bonus podcast Access to all past episodes Exclusive behind-the-scenes access Access to the members-only chatroom Ability to vote on future episodes Early access to any live show tickets See omnystudio.com/listener for privacy information.

Hegseth's $37 Billion Ask. Three Weekend KIA Troops Identified. Media Blitz Pod. Arizona is where the MAGA machine keeps breaking its teeth, and this episode explains why. Paul Rieckhoff files a rapid recap from inside 30 Hudson Yards after two hours in the Hegseth hearings and a night of primary results — with 34% of Arizona voters registered independent (more than Democrats), a Trump-aligned Andy Biggs winning the GOP nomination while still refusing to admit Trump lost in 2020, and Cindy McCain openly fundraising for the Democratic incumbent Katie Hobbs. It's McCain's revenge, it's a preview of the general, and it's a warning about where the money is about to flood. From there Paul widens the aperture: Pete Hegseth's $37 billion ask on Capitol Hill, Chairman Dan Kane on the record, three troops killed in and around the Iran war whose names deserve to be spoken, and a Republican war chest that now sits $541 million ahead of the Democrats. The primary system is broken, campaign finance is broken, and both parties are pushing more extreme candidates while the actual American middle — independents, veterans, mavericks — gets treated like an ATM. If you want to understand where 2026 is actually being decided, it's not in a party HQ. It's in Arizona. -WATCH full video of this episode here. -Millions of American veterans are being locked out of primary elections in the country they served. See what we're doing to change that. -Visit Kalshi and trade on anything. Use code [INDEPENDENT] to get ten dollars when you trade ten. -Join Noble Mobile today and get a $100 bonus when you use code PAUL and stay a member for 2 months! -Join IVA and help us get independent veterans elected to office. -Learn more about Paul's work to elect a new generation of independent leaders with Independent Veterans of America. -Learn more about American Veterans for Ukraine here. -Remember Independent is an Attitude. -Learn more about The Headstrong Project for Veterans, Tragedy Assistance Program for Survivors (TAPS), and Department of Veterans Affairs resources in your area. Seeking support is not a sign of weakness. It's a show of strength. If you or a loved one are in immediate crisis, dial 988 and press 1, or text 838255. Connect with Independent Americans: Subscribe on YouTube, Spotify, Apple Podcasts, and all podcast platforms Read more at Substack Support ad-free episodes at Patreon  Connect: Instagram  • X/Twitter • BlueSky • Facebook  Follow on social: @PaulRieckhoff on X, Instagram, Threads, and Bluesky -Join the movement. Hook into our exclusive Patreon community of Independent Americans. Get extra content, connect with guests, meet other Independent Americans, attend events, get merch discounts, and support this show that speaks truth to power.  -And get cool IA and Righteous hats, t-shirts and other merch now in time for the new year.  Independent Americans is powered by veteran-owned and led Righteous Media.  And now part of the BLEAV network!  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you think your practice's IT systems are secure because you have the latest tech, think again. If you bemoan the existence of hackers and wonder what you can do, keep listening. It's not the hackers or your tech, it's the people in your practice. My guest today helps organizations from small practices to Fortune 500s know what they can do to avoid the biggest security scams threatening them, and he's going to give us a taste of it on this episode.  Robert Siciliano is a security analyst, best-selling author, and the Architect of The Strategic Human Firewall™. As a recognized educator in personal and corporate protection, he is the 'Straight Talk' voice for a digital age. Robert has appeared on CNN, Fox News, CNBC, and Anderson Cooper 360, and he has published his insights in The Wall Street Journal, The New York Times, and Forbes. Robert has served on the board of the Identity Theft Resource Center and is a core contributor to the Realtor® Safety Initiative. He is a man who literally goes to the extremes to prove a point—once even buying a working ATM on Craigslist just to demonstrate how easily our 'secure' systems can be cracked. In this episode Carl White and Robert Siciliano discuss: What The Human Blindspot is and what can be done about it Why the real goal is having employees care about security and the behavioral changes that are needed to get there How to prepare to deal with AI deepfakes and voice cloning Want to be a guest on PracticeCare®? Have an experience with a business issue you think others will benefit from? Come on PracticeCare® and tell the world! Here's the link where you can get the process started. Connect with Robert Siciliano https://en.wikipedia.org/wiki/Robert_Siciliano https://www.tiktok.com/@robert_siciliano https://www.linkedin.com/in/robertsiciliano https://www.facebook.com/CyberAwarenessExpertSpeaker https://www.instagram.com/robertsiciliano/ http://twitter.com/robertsiciliano https://www.youtube.com/@Robert-Siciliano https://www.imdb.com/name/nm2892079/ Connect with Carl White Website: http://www.marketvisorygroup.com Email:  whitec@marketvisorygroup.com Facebook:  https://www.facebook.com/marketvisorygroup YouTube: https://www.youtube.com/channel/UCD9BLCu_i2ezBj1ktUHVmig LinkedIn: http://www.linkedin.com/in/healthcaremktg

Keith explores how investors can build legacy wealth by owning productive teak timber and the land beneath it in Panama.  Mike Cobb, an international real estate developer with over 30 years of experience, explains why Panama's legal framework, economic stability, and U.S. dollar economy make it a compelling destination for first-time offshore investors.  They discuss the long-term return profile of teak, its resilience as a hard asset, and common mistakes to avoid when investing internationally, along with how a sawmill and vertical integration can enhance returns.  This discussion highlights how the strategy can diversify both geography and asset type while also opening doors to potential residency options abroad. Episode Page: GetRichEducation.com/615 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.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.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Unlock truly passive real estate income—visit flockhomes.com/GRE today to see if your properties qualify for a 721 exchange with Flock Homes. To get in the best physical, mental, and professional shape of your life, go to DanielThomasHind.com and apply for Daniel's intensive 1-on-1 coaching for burnt-out entrepreneurs and executives. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold, talking about a legacy investment. You can profit from this real asset long term, and so can your heirs. It's real estate, but not housing. It's a diverse and more primitive use type. Today on Get Rich Education, you know. Mid South Homebuyers, that top Memphis turnkey provider. I learned that a secret weapon behind their explosive growth is more than just you buying their properties. It's an executive coach. For nine years now, their CEO Terry Kerr and his COO Pat Mix have worked privately with a coach who I've now learned from too, and he doesn't market himself online anywhere. After 12 years behind the scenes, that coach is now making himself available exclusively for GRE listeners. His name is Daniel Thomas Hind. If you're a hard-charging business owner or investor who wants to get in the best shape of your life, physically, mentally, and professionally, you can fill out an application for a free consult. This is private one-on-one coaching for those willing to go to uncommon lengths to achieve uncommon results. Thanks to Daniel, we've all become better leaders, better operators, and better men. It started by showing up for ourselves. Now it's your turn. Go to DanielThomashind.com. H-I-N-D. That's DanielThomashind.com, and sign up before spots fill.   Keith Weinhold  1:35   What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Speaker 1  2:08   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  2:24   Welcome to GRE from Cherokee, North Carolina, to Cherokee, Panama, and across 188 nations worldwide. I'm your host Keith Weinhold. Welcome back to another Wealth Building Week. You are inside Get Rich Education, where financially free beats debt free. Today we're talking about a specific investment that is not residential real estate. In fact, it's a more primordial real estate type that predates housing. So therefore, it is lucid and intelligible. It's easy to understand. Sort of the opposite of more arcane investment like AI data centers or crypto mining. At a basic level, this makes it easy to understand, and there aren't any tenants to manage. It also does not pay you as often as monthly, though as you'll learn, there is income and appreciation is expected too. Now, if you invest outside your home country, you're probably going to want to be diligent and select a politically stable nation that also has an operator based in that region with a fantastic track record. It helps if they're close to the U.S. This small nation is close to the U.S. in both geographic proximity and economically. Their currency is even the U.S. dollar. They even share an electrical system with the U.S. with the same outlets and voltages. As you might be guessing, where I'm talking about, this nation also has a consumer culture somewhat similar to the U.S. with American restaurants and retailers and brands in our real estate world. What we find more important is how, like the U.S. this nation is a constitutional presidential republic, and both nations have these separate executive, legislative, and judicial branches, the three branches and elected presidents, in these competitive multi-party elections, and both America and this place have market-oriented economies that emphasize private property and private enterprise, banking and financial services, international commerce, logistics, ports, and aviation.   Keith Weinhold  4:49   Today, we're talking about the opportunity for you to own productive timber and the land beneath it, teak hardwood trees in Panama, a quarter-acre parcel. At a time with your name on the deed, that direct ownership is known as fee simple ownership. I have directly invested in Panama for about 11 years myself. Now, though teak might be able to survive in a climate like Hawaii, mere survival is not enough in the U.S. It is difficult to impossible to find anywhere that grows productive plantation teak. Here in the late 2020s decade, we've had bouts of El Nino or La Nina a lot of places in the world, and that has severely weakened some crop types. Other providers of different agricultural investments are failing, but not this teak. They're resilient, and we'll get into the physical properties of the teak. I'm going to ask today's distinguished guest about that. He and his business partners planted some select timber 27 years ago, and they've been offering teak hardware parcels to investors for that long, 27 years, and for about the last 10 years to GRE investors. Hundreds of you are participating now, but I'm going to wait to ask more about the physical teak product itself until later, because what's more important are the investment environment and the strength of the operator. So learn more about this and what the projected investment returns are, and just how much exactly does a quarter-acre parcel of teak cost? If you so choose, owning teak parcels also gives you the option of residency status in Panama, and you only need to spend two days there every two years in part of maintaining that status, they offer investor in-person tours of the teak plantations too because they're proud of what they do there. I expect a fascinating discussion with Mike, the teak company co-founder and CEO. This week's guest has become a friend since I met him about 10 years ago. He co-founded and is CEO of an international real estate development company. He's got active projects throughout Central America. He's been doing it for more than 30 years, so he's not a tinkerer and not trying out project concepts.   Keith Weinhold  7:26   And at this point, he's helped thousands of North Americans diversify their portfolios through international real estate ownership and residency planning, and even lifestyle investing. And if you've ever attended an investment conference on something like global diversification. You might have seen him speak there because he's such a frequent, recognized speaker and voice, and he's authored multiple books on real estate, financial freedom, expat living, and just unlocking a better lifestyle. Hey, welcome back onto the show, Mike Cobb.   Mike Cobb  7:59   Oh Keith, nice to be with you. And you're right. 10 years, we've enjoyed one another's company at many conferences. It's always great to be back with you virtually. I look forward to seeing you again personally one of these days as well. And yeah, thank you for the very kind words on the intro.   Keith Weinhold  8:14   Yeah, if I'm teetering on whether or not to attend a conference, I ask myself, is Mike going to be there? That's right.   Mike Cobb  8:20   We'll hang out,   Keith Weinhold  8:22   100% And you know, Mike, he's also an avid reader of GRE's "Don't Quit Your Daydream" newsletter. So then, clearly, he's even smarter than you've ever thought. You heard him on the show before, so you knew he was smart, but now he's even smarter than you ever knew since he's a reader. Tell us what you like about the newsletter.   Mike Cobb  8:40   You know, Keith. I gotta say, every issue that comes in, I read it. By the way, today's issue said read before Thursday, so you give me a couple days tomorrow at least to read it. Anyway, no, you know what? You are so powerfully succinct. The charts that you put in are wonderful. You were a geographer major, and and so spatial things are important. I also recognize. I love the charts. I love the graphs, and I hate to even say I love sort of the I hate to call it the trivial information, but you know enough data points that seem trivial when you put a theory around them actually become meaningful. And what you are able to do is you're able to connect dots that most people don't connect. That's the hallmark of genius, and I think you are a genius, by the way. And I think your newsletter shows that. And so, thanks for putting it out. Your readers are very, very fortunate to have you there, giving them the kinds of information that are super relevant in the marketplace at one level and on a specific level. But even more important, creating the theoretical constructs that allow them to understand the why of something's happening because you know if you understand the why of something you know it makes a lot more sense first of all but it also allows us to maybe forecast the next what coming down the pike and if we can be on the front edge of something or you know being able to look over the hill or around the bend that's. Powerful in the marketplace, and and you bring that power to your readers. Well done, man.   Keith Weinhold  10:04   Thanks. Yeah, it's not just what; it's why this matters. And that was an incredibly kind thing to say. I write every word of the letter myself, and you, the listener, you can get the letter free now@greletter.com I send it about weekly, and Mike, I know that U.S. investors, including some Get Rich Education followers, they've been increasingly looking offshore for one thing many perceive the political risk has palpably higher than it was a few years ago. So, just broadly, tell us more about what North American investors seem to be looking for.   Mike Cobb  10:42   Sure, I summed it up earlier today. I was talking with a conference organizer, and he was really giving me the hard sell on why I should come to his conference. And it's probably not a good fit. But I heard myself say it for the first time. What we really help folks do in certain spheres, but maybe in this sphere, is help people get a good night's sleep, you know, peace of mind, right? And when you've got the political turmoil, you wrote an article or a newsletter a couple weeks ago, and it was about inflation, the kinds of things that were happening, and it was so spot on. And I think your readers, and not just your readers, but people who are tuned into what's really happening from a political standpoint, a financial standpoint. There is no way you can print this much money. There's no way you can have these kinds of things going on all the time that create a huge run-up of debt, right? And it's not even the debt; it's the implications of the debt. What's going to happen next? How's this thing going to unwind, right? And so when you have all of this stuff going on. You have people who are really, really worried about their future. It's a financial future. I say there are two train wrecks. There's a train wreck of debt, which is what I just talked about, and there's a train wreck of freedom. And that train wreck of freedom is really, in some ways, a result of the train wreck of debt. But when you've got a train wreck or two train wrecks happening, we really have three choices. We can ride it out, right? Take the ride and go for the crash, right? We can do something about it, but we really have to do something about it before. I'm going to mix a metaphor here, but if you know a hurricane's coming in three or four days, you don't wait till the wind's blowing 150 miles an hour to put up the plywood, right? You get out there while the sun's still shining. You put up the plywood, and then when the hurricane hits, like you got plywood over the windows, and you can ride out the storm. And this is where I think so many people are today. They're recognizing this hurricane is coming. The problem is, is that I don't think people always know where to go get plywood, right? What do I do? How do I protect myself and my assets, right?   Mike Cobb  12:38   And what this conversation right here is about is here's one kind of plywood you can put up on your window and the diversification overseas the diversification internationally into a hard asset that is not really inflation proof because I'm not sure there is such a thing but largely inflation proof or a big a great hedge against inflation real stuff hard assets real estate timber commodity right this is. what so many people are now looking at, and then the other piece of it is you can layer in a residency, which starts to give you that political plan B. You've got an economic plan B, kind of the hedge against inflation, but you've got this residency component that gives you sort of a hedge against the political uncertainty, and 1000s of folks have moved in this direction. Several 100, I think it's about 600 folks now, have picked up the residency as part of their timber investment as well. So a lot of different things going on, but I think they do circle all the way back to this train wreck of debt and a train wreck of freedom, the political divisiveness kind of what's happening.   Keith Weinhold  13:40   Now, what if someone hasn't invested in a hard asset overseas before, Mike? I'm thinking some people might come ask you. You know, why would I do this? For example, I live in the United States, where we have a rule of law and stable, mature markets and high property ownership rights. So, why should I look to diversify internationally with hard assets,   Mike Cobb  14:01   yeah, I think there's a general answer, and then maybe a couple specific answers. Generally, you know, I would never bet against the U.S. the U.S. economy. We're the largest economy in the world. I would never bet against it, right? But I think that for prudence, we would all want to have at least another basket for a few of our eggs: 5% 10% 20% Pick. Pick a number that's comfortable, but have some of your investable net worth outside your home country. Like that's just prudent, right? Why would you have everything all in one basket? And so we see that as a general answer. Specifically, a country like Panama, where we do have artique plantations, they have public title escritora publica. It's fee simple title, but in the civil law, so it's called escritora publica. The rule of law is strong in Panama. And then the other thing about Panama that I absolutely love is you have the canal, and the canal provides both economic stability and political stability. On the economic side, it generates just. Under $5 billion a year of cash flow, year in year out, right? So just it's like an ATM machine for a country with a population of about 4 million people. Do the math on that; like that's a huge amount of money on a per capita basis, right?   Keith Weinhold  15:13   Narrow water passages have really been newsworthy for a long time now, too.   Mike Cobb  15:16   Well, they have, and just like the Strait of Hormuz, right? You know, people sometimes go. I hear it said, "Oh, the canal is a vital strategic U.S. interest. That is absolutely 100% correct. But if you're a country that produces any goods that ship, or you're a country that receives any goods by ship, that canal is a strategic interest to you, and by definition, that's every country in the world. Every country in the world wants that canal open and transiting, right? Because everybody either produces or receives or both, right? And so you've got the political stability element as well as the economic stability element. You've got the rule of law. Panama is a great, great place for that person who you mentioned who's never done an overseas investment, never gone offshore, right? What's an easy place to start? What's one of the safest places to start is Panama, and it's in this hemisphere too, so it's close. I mean, you can get there for three hours from Miami, three and a half hours from Houston. Flights all over to U.S. Canada. It's easy. So I think a lot of folks see Panama as a very, very easy way to make that first step overseas.   Keith Weinhold  16:25   I happen to know that you just flew in from Panama. You're in the United States today, but you're constantly going to Central America. You span time zones more often than almost anyone I know. You mentioned fee simple ownership in there. For those that don't know, I think of that as direct ownership, where you don't have some weird administrative government layer in there that can dilute your hard asset.   Mike Cobb  16:47   Right, you can own it in your own name, you can own it in a corporation, so it's easy to own it. But yeah, no layering, right? By the way, the Constitution treats owners who are Panamanian the same exact ways it treats all foreign owners, and actually, we do business all over Central America. The one thing that we look for is a a legal regime that protects foreigners and foreign investors the same as it does domestic. Panama does that.   Keith Weinhold  17:12   Yeah, so investing in hard asset in Panama is a bit like investing internationally with training wheels on, due to its close relationship with the United States bolstered by the Panama Canal, but yet if someone hasn't invested internationally first, there are still a few mistakes to avoid. Maybe things that one isn't aware of. Can you tell us more about that?    Mike Cobb  17:33   The biggest danger people have when they make their first foreign investment is what I call margarita madness, right? And a lot of times it happens. You're on vacation in Cancun. You're having the time of your life. You're you just went parasailing, whatever. You're walking down the beach, and some developer says, "Hey, come on up here and take a look at my condo project. You know, and we'll buy you dinner at Senior Frogs tonight. We'll give you a coupon or whatever, right?   Keith Weinhold  17:55   Right.   Mike Cobb  17:55   And a lot of people do that, and then later that night, that's Senior Frogs. They're celebrating the condo they just bought, right? I mean, it's not how we transact real estate in the U.S. and Canada. There's a due diligence process. There's a due diligence period. It takes weeks or months to transact on a property, not hours, right? And so the single biggest mistake is that, and the way that we really can resolve it. I mean, my book is all about this. In fact, you have a copy, and I think you've helped some of your your readers and listeners get copies as well. It's called "How to Buy Your Home Overseas and Get It Right the First Time, and it really boils down to three simple principles: buy what you see. Is it there? Right. Own community. Right. Make sure it's in a place where you have people around. Right? Because there are a lot of ghost towns out there, and then know the developer. Do your due diligence on the developer himself, right? So you've got these three principles, and if you follow those three principles, you could do a lot better. But I actually think there's even a better way, and it has to do with character. It has to do with us, and you know when we move to the developing world, anywhere outside of you know North America, Northern Europe, maybe Australia, New Zealand, right? We're moving from the land of seller beware, right? Think lemon laws, think Ralph Nader, think advocacy groups, you know, lots of laws and regulations that control the seller, to the world of buyer beware, where none of those laws exist, and so now you're on your own. And because we've been living and transacting our whole lives in a seller beware environment, in a bubble of protection, we're protected by the government, right? We think we are. We'll just say that anyway. But we're protected. We're in a bubble, and we move to the land of buyer beware.   Mike Cobb  19:38   The problem is we don't really know how to transact. We don't know the right questions to ask, and our single biggest advantage, our single biggest attribute or asset that we have, is actually humility, because we don't know what we don't know, and we have to forget what we think we know. Assumptions, right? We can't bring assumptions with us that hold true. Some do some. Don't right. If we approach a transaction overseas with humility, there are no dumb questions. I'm going to ask every question I can think of. I'm going to do as much research as I can within a limited period of time. I'm not going to not analysis to paralysis forever. I'm going to say, look, I'm going to spend the next 30 days. I'm going to do a ton of due diligence, and at the end of 30 days, if I like what I say, I'm going to transact, right? So you're you're not getting the deer in the headlights never to do something, right? But you know, several weeks, maybe a month or two, depending on what it is you're doing, is enough time to do really, really good due diligence. Ask all the questions you can think of, but approach it with humility. And when we do those things, we transact so much, so much better than if we just rush into it with Margarita Madness.   Keith Weinhold  20:44   Right? People get caught up in those emotions with Margarita Madness and end up with a timeshare that they can't get rid of, or something like that. You said something so interesting there, Mike. When you move from the developed world to the developing world, you move from a seller beware world, like with some of the things you have to be aware of, and like you need to give disclosures and such into a buyer beware world. I hadn't thought of it that way before.   Mike Cobb  21:08   Yeah, and really, a lot of my book and a lot of the presentations that I've given, you've seen me give over the years, really deal with what I call a change in thought process. Because mostly in presentations, right? My goal in a presentation is to help somebody change how they think, to take away the bubble and understand that they're on their own, right? It's not really their own. They have you, they have me, they have other resources, right? But they don't have this bubble of government or regulations or laws out there protecting them anymore. Now it's the individual, and as an individual, I don't want to be rugged individual. I want to find other people that can help me, right? But I have to do that as opposed to it's just there for me, right? So if I can help people change how they think, they will transact so much better. They'll make better investments. They'll make investments that work for them in ways that they want them to work for them, right? They'll achieve the goal or the dream in a much, much, much higher percentage of the cases,   Keith Weinhold  22:04   we're talking about investing antique tree hardwood plantations, principally in Panama, like you mentioned, and we're talking about one mindset about crossing borders with our investing, and another is oftentimes, at least for GRE listeners, we're crossing asset use type because we're so used to residential rental housing. So when you cross into agriculture or forestry, I guess as it is with teak, what are some of the bridges to cross there as we change use type?    Mike Cobb  22:35   The reason I love timber generally and teak specifically in Panama in this case is that most people, most people, and I hope that many of your readers aren't most people. Most investors look at 20-five years and they simply say themselves, "No way, no way. And I love that because right now teak timber is being cut down 10 to 12 times faster than anyone is replanting it. And the reason people don't replant it is because most average investors come along and say, "Oh, it's 25 years. I can't wait 25 years. Well, you know what? Good, because the folks who do decide to move ahead and plant the teak, what that means is the price of teak is very highly likely to continue to increase in value far beyond inflation. Teak wholesale teak prices have gone up five and a half percent a year on average for the last 50-three years. I think that number is going to increase largely because there's this huge psychological barrier. People think, "Oh, 20-five years, but back in 1990-eight I bought 100-acre cattle pasture in Panama, and we had a professional forestry company plant it and maintain it for the last now 27 years, and two two and a half years ago, we started building a sawmill. Our sawmill is up and running. In fact, was just down there and brought back one of our first retail products. We're producing lumber. Our first container of lumber is headed out to a distributor in Colorado next week.   Keith Weinhold  23:56   Mike's holding up a nice cutting board for those in the audience.   Mike Cobb  24:00   Nice cutting board. We're setting up an e-commerce site. We're going business to consumer with cutting board, bath mat, shelving, tables, chairs. We have our whole production facility ramping up with new retail products. So the bottom line is, is yeah, man, it does take 25 years. You know.   Keith Weinhold  24:15   The lantation to harvest cycle. That's the 25 year span you're talking about here. The patience it takes for an investor.   Mike Cobb  24:21   Thank you. Yes, absolutely. And then, as we cut down this mature plantation that we we are now harvesting right now, it gets replanted, and the next 25 year harvest. I'm 61 Maybe I'll make 86 I don't know. Maybe not. Right. But my kids probably will, and they'll get the big harvest in 25 years, and then it'll replant, and maybe they'll get a next one, or maybe it'll be the grandkids, right? And so what we found savvy investors, people who are really not your average bear, right? And they think to themselves, how can I create generational wealth stewardship? I have enough money coming in. I mean, Keith, that the I mean, you can own teak for 10 grand. You can. Own a quarter acre of teak. You own the land. You own the trees. 10 grand, like it's 9000 something or other, but 10 grand, right? I mean, the bottom line is it's such an affordable, easy investment, right? And it turns into well over $100,000 in today's numbers. Who knows what inflation? But in today's numbers, buying power, you know, 10,000 turns into 100,000 right? Over 20-five years, and so most people who do this recognize the fact that they might get the first harvest, but it's their kids, their grandkids, their great grandkids who are going to get this harvest every 20-five years thereafter. And so the 20-five year thing becomes a wonderful thing, not a bad thing. Right, it keeps many people out, which keeps the price of teak high and growing, which we like. But it also creates this cash flow period. People go, "Oh, it doesn't cash flow. I'm like, "Absolutely, it does. It cash flows phenomenally four times a century. Like you have an internal rate of return of almost 11% 10 point something, right? You have an internal rate of return of 11% and it cash flows four times a century. This is a phenomenal cash flow investment. You might get to see the first one or the second one, but you're probably not seeing three or four. But somebody else in your lineage, your family, your heirs will see it, and they will all be so happy you made that decision to own teak.   Keith Weinhold  26:22   We're talking about the ability for you to own teak parcels and the land beneath it, title in your own name, one quarter of an acre at a time. We're going to talk more about that with Mike when we come back. You're listening to Get Rich Education. I'm your host Keith Weinhold. Flock Homes helps you retire from real estate and landlording, whether it's one problem property or your whole portfolio, through a 721 exchange, deferring your capital gains tax and depreciation recapture. It's a strategy long used by the ultra wealthy. Now mom and pop landlords can 721 their residential real estate. Request your initial valuation. See if your properties qualify at flockhomes.com/gre. That's flockehomes.com/gre.   Keith Weinhold  27:09   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. And full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call or text family to 66866 That's family to 66866.   Ken McElroy  28:12   This is Rich Dad advisor Ken McElroy. Listen to Get Rich Education with Keith Weinhold and don't quit your daydream.   Keith Weinhold  28:29   Welcome back to Get Rich Education. We're talking about international investing with teak tree plantations. This isn't something experimental. We're not talking about a tinkerer here. You have to be more careful when you go overseas, and we're talking about with the owner of an international company that's been doing this for 30 years, providing international investments. But the teak tree plantation, I think, began in 1998 or 1999 Is that right?   Mike Cobb  28:56   Yeah, 98 was the purchase of the property, and in the rainy season of 99 we planted the first 100 acres. Yep.   Keith Weinhold  29:03   Yeah. Well, talk to us more about that because you talked to us about how historically teak appreciates at about 5% per year. Tell us about how we get to that 11% internal rate of return.   Mike Cobb  29:15   Yeah. Sure. I mean, so two things. One, you've got the five and a half percent a year kind of calculated out over a very long period of time, 50-three years. So that's a pretty good statistical baseline. And then the fact that your trees actually physically grow, right? I mean, back in 2008 my joke is from 2008 to 2012 While the rest of us in real estate were hating life, my trees just simply kept growing, right? They just kept growing. And so what you start off with is about 100 maybe 110, I think, trees on a quarter acre, and in the end, after all the thinnings, you end up with somewhere between 22 and 25 trees per quarter acre, and each of those trees produces about 1.2 to 1.6 cubic meters of timber. For lumber, by the way, one of the things that we are working on, and you know, look at the end of the day, you had a walk, jog, run, right? And we're in the walk stage right now, but we're harvesting out all of the other elements of the teak tree. Your lumber piece, that just you know, sell it as boards, you know, one by fours, one by sixes, one by eights, whatever it is. Ship that stuff off. That's your 1.2 to 1.6 cubic meters, but you've got other pieces of the tree. You've got stuff that's too thin, the root stock that can be turned into other things, including cellucrete with cellulose, the ground up, the sawdust itself. We're saving all the sawdust. We're going to use that for cellulite. This is the math on this. Our investors get 80% of the net proceeds after processing costs, which is 15% my company gets 20% and so we, my company, has the highest incentive to drive the highest possible return to the investor possible because I get 20% of whatever I make for the investor, and so all the numbers we use are always the net investor number, right? And we have a business plan. All the numbers are laid out. It's all there, and it's pretty easy to see how the IRR gets up. About I think it's 10.6, 10.7% I can't remember. Just under 11% but it's all in the business plan, Keith. And again, this is part of that due diligence process, right? Get a copy of the business plan. Get on the phone with one of our property consultants maybe take a trip to Panama. I just got back. We just took a group of people. Yeah, we got tours. Yeah, we have tours, and so like as part of the due diligence process, come visit, come see the trees, come see the sawmill. Right? If it's something that makes sense from a an investment standpoint, yeah, the material, the facts, and the due diligence is all there for people to be able to pick up and do over a you know several week period, you know 30 days, 60 days, 90 days, whatever it is.   Keith Weinhold  31:47   Well, let's back up because seemingly you have had really good prescience. Because when we look at world agriculture today, we see some problems. Whether some people want to call it erratic weather, other want to call it climate change, and how that's really ravaged some crops and created disruptions in certain produce. Or with coffee, you know, we've also got a cattle production problem, for example. But you've chosen something that's been really resilient. Tell us more about that resilience and just why teak of all crops and forestry.   Mike Cobb  32:22   Let me start by saying, who was it? Yogi Berra says, you know, predicting is hard to do, especially when it's about the future or something. Exactly. Yeah. Right. But I mean, look, we're talking about the future. I mean, who the heck knows, right? I mean, that's what makes it investing rather than you know something else. But teak has been grown in plantations for almost 400 years. It was started by the British in India, what was then Burman throughout Southeast Asia. And one of the things the Brits did so so well is they documented everything. They had statisticians keeping track of altitude, rainfall, soil types, different stock. I mean, just anything and everything that you could imagine, and so by the early 1900s, some of the best books about teak and teak plantation farming was written. I actually read those books in order to interview the forestry management companies in Panama that we would hire them to manage our plantation, because I don't know anything about it, right? But I wanted to be prepared to do the interviews, so I was. What amazed and fascinated me was this incredible track record of production for almost 400 years of teak as a commodity in the marketplace, and then for the last 50 years, 53 years, you know, seeing what's happened to the price of teak in that time period. Look, nobody can predict the future. Weather patterns change. Teak as a species, is very very resilient. You know, the highest quality teak is grown in very specific conditions, and the Darien province of Panama has exactly the conditions to produce the highest quality teak. If those conditions change, maybe the quality of the teak goes down. Maybe the quality of the teak goes up a little bit. Who knows, right? I mean, at the end of the day, we don't control weather. We don't control weather patterns. We don't control the future. But that thing goes back to the idea of diversification. Like, how can we mitigate against the future? I think we do that by just simply broad diversification. And if we have all of our assets and stocks, bonds, and rental real estate, we're pretty concentrated, especially if it's all in the United States, right? Our home country, for example, and so some diversification into other sectors probably makes sense. I know it makes sense for me because I think that's my way of hedging against the uncertainties of the future.   Keith Weinhold  34:37   Let's talk about the tree quality and then the sawmill, because some people don't understand that teak really has pretty special properties that maple or black cherry or oak doesn't have.   Mike Cobb  34:47   It does. It has a very very high oil content and it has a hardness that makes it extremely resistant to rot fungus, which is why it's used in the marine environment. If you look at Chris Craft. Boats or yachts. You always hear about teak, teak, teak. Teak is used in maritime environments because it holds up to the salt water-not just salt water-holds up to water, but even more so, salt water and the environment, which makes it unique. And so, even if you don't treat teak, right, you just leave it out. It turns gray, but it doesn't rot. And then you can come back. You can you know sand it and varnish it and turn it into that beautiful, rich color. It's a beautiful, beautiful wood. It's funny because it has furniture uses, outdoor furniture, patio furniture, things like that, decking. But now they're starting to use it in hardwood floors. They're using it in gates and fences and soffit materials. Again, outdoor uses, but it can be used indoors as well for very very fine furniture, which at the end of the day teak has a panache that a lot of these other woods don't have. Mahogany is certainly one mahogany. The thing about mahogany is it's softer, right? It's a softer wood. It carries some qualities in terms of the grains and the colors that make it a a very favorable product for cabinetry and other things. We actually looked at mahogany as a species to possibly grow, and it's about a 30-five to 40-year harvest cycle. And so, when we looked at that, we said, you know, we can get our heads around 20-five, and and maybe someday we will do some mahogany plantations as well. But for now, we we started with teak. Actually, when we did the analysis, I don't know if this is still true, but 27, 28 years ago, when I did the initial research and analysis, it had the best time value of money ROI.   Keith Weinhold  36:29   Ah, that's the first time I learned that. And some of these durability properties that you've been talking about really go back to my earlier question about how some more sensitive crops have been ravaged lately.   Mike Cobb  36:39   Yeah, it holds up very very well to the environment. By the way, it'll do well in pretty much everything but desert, right? If it rains too much, the teak will grow faster. Actually, it produces a less quality. The quality of the teak is less. If so, if panama's rain system changed and it started raining every day of the year, where we have it growing, teak trees would grow wonderfully. The quality of the teak would be lower, right? Still, be teak. It'd still be valuable, but not as valuable in the marketplace. So.   Keith Weinhold  37:08   Now you've been here to talk about teak before, but something that you added a few years ago was a sawmill to really bring some vertical integration there. And now you're not at the mercy, perhaps, of the price that you would need to sell to a lumberyard. Can you tell us more about how it's going with that?   Mike Cobb  37:22   Yeah, absolutely. Well, the bottom line is, is because we earn 20% of what we earn for the investor on their wood, our goal is to sell it for as high a possible price. And lumber does pretty well. I mean, you can sell logs. Let's just start there. You can cut the trees and sell the logs for X. You can turn the logs into lumber and sell it for you know whatever 578 x. You can turn it into things like cutting board, chairs, tables, a finished product, and there you're talking about you know not just five to 7x You're talking about another 10x on top of that. So that's like 30x right? I mean it's an incredible difference. So from log to finished product, it's about a 30 times differential in what you ultimately achieve out of the marketplace for return. Right now it takes longer to do it. There's more work involved, but at the end of the day, because you make more of the investor, we make more. Some of the teak is going to go out as finished product, and so we get a blended return of lumber. We don't do logs, but we're going to have a blended return of lumber and finished product that will push that yield up maybe higher than we've anticipated, which would be just fine with everybody.    Keith Weinhold  38:30   ll right, all right. Diversifying your exit, then. Well, before we learn about how we can get a hold of more information, is there any last thing that we should know about investing across international lines into teak, maybe something that I didn't think about asking you, Mike.   Mike Cobb  38:45   The only thing there is two of the teak farm parcels can be bundled together for a half acre with about a I don't know it's a seven $8,000 legal piece government fees to achieve a residency. So you can actually become a resident of Panama with the teak investment, and again coming in on about 600 folks have done the residency as well as the investment and ownership of the teak farms. So I would say that's a piece. Again, if people aren't sleeping well at night, they're worried about inflation, they're worried about social disruption, polarization, where things are headed, right? And they like the idea of the teak investment, then you know it may make sense to just do the extra government legal piece and get the residency card. I mean, I just did that. By the way, I think you know I'm a I'm a Nicaraguan resident because I lived in Nicaragua for 14 years.   Keith Weinhold  39:34   Mike is holding up his Nicaraguan ID.   Mike Cobb  39:37   but last summer I also got my Panama residency card, so now I have, y'all. I'm a U.S. resident, U.S. citizen, and I'm also a Nicaraguan. I think I held up my West Virginia driver's license. Hold on, let me go. Here's my Nicaraguan residency. Sorry, I was like, yeah. Wait a minute. Anyway, so right. So I'm a U.S. citizen, and I'm a resident of both Nicaragua and Panama. And so, this is something that a lot of folks choose to do because of the uncertainty, the political and social uncertainty in their lives. The teak itself will help with the economic uncertainty, but the residency then helps with the other two elements.   Keith Weinhold  40:15   Next time you fly in and you're doing customs in Panama City or Managua, show them your West Virginia driver's license and see how they like it. See what happens.   Mike Cobb  40:22   It wouldn't work. Hahaha.   Keith Weinhold  40:25   Well, the prices are low. You do not need to be an accredited investor in order to do this. So there's really no qualification bar to clear. There's really no limit in the number of parcels that you can buy. Some people like to purchase 10 parcels, but you can buy as little as one, and tell us more about that price.   Mike Cobb  40:42   Yeah, in fact, we've introduced Keith since the last time we talked a financing program. Oh,   Keith Weinhold  40:48   I didn't know that yet.   Mike Cobb  40:49   We did. That's a fairly new. It's a this year thing, right? So the teak parcels, I think 9890 or something, whatever. Call it 10 grand. The parcels just under $10,000.   Keith Weinhold  40:59   Okay.   Mike Cobb  40:59   Yeah, and they have a down payment and a credit card thing. I think it stretches maybe over a year or two, so it's a fairly short period. Let's people who don't have the entire 10,000 upfront who want the teak investment to be able to acquire it. And if they're doing the residency piece, the residency piece can only begin after the teak farm piece is acquired, right? But it can also lead to the residency piece over time. So yeah, and then there are some discounts on three of them and 10 of them. So we have a lot of people that actually end up getting them for. And and here's a really cool thing because it's titled in your own name, it can also be titled in a child's name or a grandchild's name. And so we have a lot of people that actually acquire them and they don't take ownership. They put it in their kid's name or their grand name. Yeah, so it's a wonderful way to move that asset already right out of the gates into the next generation or the next generation.   Keith Weinhold  41:52   So we're talking about diversifying at least twice, both internationally and then in a different asset type as well. This has been fascinating to learn about, Mike. It's just fascinating alone, I think, to learn about the geography and the teak itself. And like we touched on earlier, they do organize tours. Any reputable provider should do that. They're proud of what they offer there. Tours in the Darien province of Panama, in this case, to see your teak tree parcels. It's a really approachable price. If you want to learn more and get a report and perhaps purchase some parcels, Mike's one of our GRE marketplace providers. You can visit gremarketplace.com/teak or talk to your GRE investment coach. Mike has been fascinating as always. It's been great having you back on the show.   Mike Cobb  42:40   Nice to be here. Thank you, Keith.   Keith Weinhold  42:48   Teak is one of the more durable crops that there is. The demand for teak hardwood is substantial, and it's really growing. They have also had the same tree manager for all 27 years since the teak was planted, some real continuity there. The name of the manager is Heyo Forestall. There's a little to manage with the teak hardwood trees, like performing thinnings, and those thinnings do give investors like you intermittent income. So you're not waiting for absolutely everything for 25 years, but the income from the thinning is really small. Most of the return takes place in that 25 years, and it's interesting to me to see the profile of the GRE investor in teak because it attracts young investors, and maybe that's because the cost of entry is so low. It also attracts older investors because they more often have an eye toward passing along something productive to their heirs that is going to outlive them. A lot of them don't want to give their heirs money because money can be spent on fleeting trivialities. Also, the older a person is, they just have an easier time visualizing the fact of 25 years and knowing that it really will pass by. And yes, in-person tours are offered there in the Darien province of Panama, and there were 13 to 14 attendees on a recent tour. They do need to limit the group size, and the tours are for you, whether you're an existing investor or not. If you're just checking it out, that's for you too. If you believe that you want to attend a tour and you don't want to buy, I understand that you can get your money back from the tour.   Keith Weinhold  44:35   The next tour is in September. Each quarter-acre newborn teak parcel costs $9,680 $9,680 and over 20-five years, it's projected to produce about 110k in today's dollars. And yes, now with financing, we've talked about this investment on GRE before, but it's the first time where they now have financing in place, so you don't even need. 9680 to get started. Also, retirement funds might be eligible for use here. And really, when you think about the long-term horizon of this investment, retirement funds make sense. If this is potentially interesting to you, get a hold of the report that goes into the details and shows you some projections and more. You can do so by either contacting your GRE investment coach or visit gremarketplace.com/teek. Money may not grow on trees, but sometimes trees grow into money. Until next time, keep growing your means and maybe a few trees. You could visit gremarketplace.com/teak. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 1  45:53   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.    Keith Weinhold  46:21   The preceding program was brought to you by your home for wealth building. getricheduceducation.com  

Why trust a custodian with your sats? Edgar Borja (@k1elsalvador) breaks down K1's self-custody Bitcoin ATM, on-chain and Lightning buying, and Bitcoin in Bolivia. Edgar walks through K1's new update, buying Bitcoin on the Lightning Network and on-chain, what's happening with Bitcoin adoption in Bolivia, and what it's like pitching investors 5,000 times. K1's machines now support on-chain and Lightning purchases with full self-custody, cutting out Strike, Blink, and OpenNode entirely. Edgar demos a live on-chain purchase and explains why every K1 transaction is RBF disabled, so once it's broadcast, it's final.K1 machines now run in 28 countries. That growth reflects real tech innovation in Bitcoin hardware, built for the global market from day one. The team solved for different bill sizes, currencies, and KYC rules in every country they shipped to. Edgar covers how KYC gets configured machine by machine, why K1 stays buy-only for now, and a cash-dispensing module already demoed at the Adopting Bitcoin conference.Small business owners get a direct pitch here. Edgar walks through the three K1 tiers, Mini, Mini Plus, and Mini Global, plus pricing and why the bill acceptor is the hardest part to build. If you're exploring digital asset management or a new source of business growth, a Bitcoin ATM in a coffee shop or corner store is a low-friction way to start.Then there's Bolivia. Edgar saw a fiat currency failing in real time, banks offering 6 Bolivianos to the dollar while the street rate hit 10. The government built its own workaround digital payments network just to keep money moving. This is what pulls people toward hard money. Watching their savings shrink every week, people in Cochabamba are turning to Bitcoin.Edgar also shares K1's education tools: a crayon-and-paper workshop that teaches private keys, and a board game called MerkColor that teaches Merkle trees in under a minute. He talks about pitching investors an estimated 5,000 times on a Bitcoin startup accelerator and reality show, plus his advice for founders: fall in love with the problem you're solving. Hit subscribe, share this with someone who thinks Bitcoin ATMs are just coin machines, and tell us in the comments if you'd trust a machine with your private key.—Bitcoin Beach TeamLearn more about Edgar Borja:X: https://x.com/K1ElSalvadorFacebook: https://www.facebook.com/k1elsalvador Instagram: https://www.instagram.com/k1elsalvador LinkedIn: https://www.linkedin.com/company/k1elsalvador/Web: k1.sv Email Address: borja@k1.svSupport and follow Bitcoin Beach:X: https://www.twitter.com/BitcoinBeach IG: https://www.instagram.com/bitcoinbeach_sv TikTok: https://www.tiktok.com/@livefrombitcoinbeach Web: https://www.bitcoinbeach.com STAY AT BITCOIN BEACH: https://www.stayatbitcoinbeach.com/punta-mango-villasBrowse through this quick guide to learn more about the episode:00:00  Intro01:40  How many countries run K1 Bitcoin ATMs now?02:07  How does a self-custody Bitcoin ATM let you buy Bitcoin on-chain?08:49  Can you buy Bitcoin from an ATM without KYC?13:08  Where are Bitcoin ATMs actually installed in the real world?16:23  Why are Bolivians turning to Bitcoin as their currency collapses?25:18  What is it like pitching a Bitcoin company on a startup accelerator reality show?37:42  How do you teach kids about private keys and self-custody using crayons?47:31  Which self-custody Bitcoin ATM should you buy and how does shipping work?57:29  Is Bitcoin still winning in El Salvador after the IMF deal? Live From Bitcoin Beach

(裕富數位 | 吉速袋) 急用周轉 為你應援  線上申辦3步驟  資料齊全最快 5 分鐘  專人依序審核，最快當日撥款 前往了解更多: https://sofm.pse.is/9ct6w5 (警語) 總費用年百分率約16.45%-23.97%。利率15.75%~15.99%，手續費1~2.5千元。詳參裕富官網。實際撥款時間與條件視審核而定。請謹慎理財。 -- #高雄 正義站&黃線捷運計劃，平面車位3房全新完工 實品屋預約鑑賞中。正義站通勤南科，未來捷運串連衛武營、Lalaport。正義公園，風景入門廳 。陽明國中自由學區07-7801988 洽澄清路227號 https://sofm.pse.is/9c7ffm －－－－以上為 SoundOn 動態廣告－－－－ DJ：陶晶瑩（飛碟電台） 週一至五 首播 17:00​​​​​​​​​​​​​​-18:00​​​​​​​​​​​​​​ ◎暑假親子旅遊期間的家長崩潰時刻！孩子們常因瑣事爭吵鬧脾氣；青少年因熱衷逛街，長時間拒絕休息，最終竟導致膝蓋滑囊炎…等。 ◎長輩出遊的飲食挑戰！帶家中長輩前往歐洲旅遊，因吃不慣西餐而感到反胃，甚至在前往瑞士途中，突然想喝餛飩湯，因此泡麵與熱湯成必備品。 ◎旅途中的「洗衣大戰」！你會在飯店洗衣嗎？有人堅持每日洗衣，甚至凌晨四、五點起床與人搶洗衣機，認為穿乾淨衣服才能放鬆；有人則選擇帶舊內衣褲出國，穿完即丟。 ◎家長的多重身分！在旅程中，媽媽往往身兼保姆、心理醫師、ATM、導遊及協調員等多種角色，不僅要照顧生理需求，還要處理全家人的情緒波動。 飛碟聯播網 提醒關心您： ※酒後不開車，飲酒過量有礙健康，未成年請勿飲酒。 ※自我傷害不能解決問題，勇敢求救並非弱者，請珍惜生命。衛福部24小時安心專線：1925，張老師：1980，生命線：1995。 ※尊重身體自主權，遇到性騷擾勇於制止，勇敢說不！報案：110，保護專線：113，婦女救援基金會：02-2555-8595，勵馨基金會：02-8911-8595。 ※拒絕暴力，如遇霸凌請勇於求助，反霸凌專線：1953，教育部投訴專線：0800-200-885，iWIN網路防護機構諮詢專線：02-2577-5118。 ※任何人在依法被判決有罪確定前，均應推定為無罪。 飛碟APP！收聽零距離 ▶ IOS：https://reurl.cc/3jYQMV ▶ Android：https://reurl.cc/5GpNbR ▶ 飛碟聯播網 Youtube頻道 https://www.youtube.com/@飛碟電台uforadio ▶ 飛碟聯播網 FB粉絲團 https://www.facebook.com/ufonetwork921 ▶ 網路線上收聽 http://www.uforadio.com.tw/ ▶ Podcast SoundOn : [https://bit.ly/30Ia8Ti]() Apple Podcasts : [https://apple.co/3jFpP6x]() Spotify : [https://spoti.fi/2CPzneD]() KKBOX：[https://reurl.cc/MZR0K4]() 陶晶瑩 ●Instagram：https://www.instagram.com/momoleelee/ ●facebook：https://www.facebook.com/people/%E9%99%B6%E6%99%B6%E7%91%A9/100044575080077/ 按讚 訂閱 分享 開啟小鈴鐺 -- Hosting provided by SoundOn

About the Guest(s):Robert Siciliano is a cybersecurity expert with over 30 years of experience in personal and corporate protection. He is a security analyst, bestselling author, and the architect of the Strategic Human Firewall. Recognized for his educational efforts in personal security, Robert has appeared on major platforms such as CNN, Fox News, and CNBC and has been published in the Wall Street Journal, the New York Times, and Forbes. He has contributed significantly to the Identity Theft Resource Center and the Realtor Safety Initiative. Robert's practical approach to cybersecurity includes notable demonstrations, such as purchasing a working ATM to illustrate vulnerabilities in systems.Episode Summary:In this enlightening episode of Money Roots, hosted by Amy Irvine from Rooted Planning Group, guest Robert Siciliano delves into the complexities of personal and cybersecurity. As an established security analyst and educator, Robert shares his journey and vital insights into how individuals and organizations can protect themselves against the ever-evolving threats of digital crime. Through a mix of personal stories and professional wisdom, Robert illustrates the importance of proactive security measures, especially in today's organized cybercrime landscape.Robert discusses how the nature of cyber threats has evolved from individual hackers to sophisticated organized crime syndicates. He emphasizes the importance of shifting one's paradigm from denial to proactive risk management, introducing the concept of the Strategic Human Firewall. This episode is rich with actionable advice, including the adoption of preventive tools like password managers and two-factor authentication. Robert's message underscores the need for financial service professionals to extend the definition of financial security to include these contemporary digital threats, aiming to protect clients holistically.Key Takeaways:Strategic Human Firewall: Robert introduces this concept highlighting proactive risk management and preventive cybersecurity measures.Evolution of Cybercrime: Cyber threats have evolved from individual hackers to organized crime operations, making vigilance essential.Preventive Measures: Essential tools like password managers and two-factor authentication are key to protecting personal information.Cultural Shifts in Security: Changing belief systems from denial to proactive engagement with security practices is crucial.Security Appreciation: The paradigm shift from awareness to genuine appreciation of security roles and their importance in personal and professional settings.Notable Quotes:"I can make every single person sitting in the chair listening, make them part of the top 10% of secure Americans, just like that.""We're an interdependent species...and what that fundamentally means is we are dependent upon each other for our survival.""Hackers don't necessarily hack anymore...what they really do is they just log in.""The strategic human firewall is someone who effectively recognizes risk...a mindset that turns us from passive targets into active detection.""We achieve what I call security appreciation...where successful training ends with the employee teaching the concepts to their family at home."Resources:Robert Siciliano's LinkedInRobert Siciliano's InstagramRobert Siciliano's Website: Protect Now LLCBook: "Identity Theft: Privacy, Security Protection and Fraud Prevention" by Robert SicilianoJoin Amy and Robert in this compelling episode, as they equip you with invaluable insights into personal and corporate cybersecurity. Listen to the full episode to ensure you're one step ahead in safeguarding your digital footprint and stay tuned for more captivating discussions on Money Roots!

On today's episode, this Part 1 conversation features Jake Conway presenting during the April 2026 Mastermind and breaking down how practice owners can better understand the numbers that drive their income. Jake explains why a dental practice should be viewed as a source of information rather than an ATM, and how overhead is not a destination but a measurement of how well the office is being run.  He walks through the difference between fixed and variable costs, the symptom-cause-solution approach to diagnosing financial issues, and how management reporting differs from tax reporting. Jake also reviews how cash flows through a practice, from collections and overhead to available funds, and encourages owners to use their reports as investigative tools to identify opportunities, improve decision-making, and create more influence over their pay. Be sure to check out the full episode from the Dentalpreneur Podcast! EPISODE RESOURCES https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast

July has always been known as one of the slower retail months so Candace made a strategic decision: go big or go home. Dante and Dory's threw a patriotic pet sale from Friday, July 3rd through Monday, July 6th. The result? $3,000 more in sales than Memorial Day weekend (about a month earlier), driven by 100 additional transactions. This episode is a complete behind-the-scenes walkthrough of how she planned it, executed it, and what she learned - plus strategies you can apply to your own holiday sale. Listen now to hear:

The BOB & TOM Show — July 8, 20266:00 Hour 6:00 Snacks on a Plane6:04 Tom's vacation fiasco6:07 Everyone's Fourth of July6:07 Travis & Taylor letter6:09 Back to Tom's travel disaster6:20 Took Tom 36 hours to get home6:21 How Tom packs his pills and underwear6:24 Chick the overpacker6:25 Ironing a dirty shirt6:27 Tom had to buy a suitcase on vacation for souvenirs6:30 People move by weight discussion6:31 Retina scan turns rectal6:34 Group texts with Tom6:37 ASP discussion6:38 Vehicle discussion6:45 Travel tips with Tom6:50 Josh smuggled money into the U.S. with a cash belt6:51 ATM discussion 7:03 Duck/Chicken Dance7:05 Wedding DJ songs7:06 "In the Navy"7:07 Hokey Pokey at a wedding?7:09 Letter: Dog food eating – Which dog food would you eat?7:25 World Cup update7:27 Virtual taekwondo7:29 Chinese fire drill and ghost riding the whip7:32 Virtual reality relationships7:33 Stupid World Record – Most binder clips clipped to one person7:45 Tom's fire drills at school7:47 Tom is surprised how quickly overweight people move7:49 Tom dislikes this vacation couple7:51 Josh's fishing expedition7:52 Croissant story reactions 8:00 Tom's travel tips – Backward hat guy8:08 Chef at nudist resort prepares food while nude8:10 Smallest penis man getting surgery8:23 Kristi's skin discussion8:24 More TV issues with Tom8:27 Stingrays with Tom8:28 Cosmetic surgery discussion8:30 New Jersey caller: "Give her the big ones"8:30 Russian women selling used implants8:33 Return to New Jersey caller8:34 Gummy bear breasts and cremation8:36 Juggling performer discussion8:37 Vehicle discussion8:38 Back to New Jersey caller8:46 Letter: Travel tip8:48 Today in History 9:00 Jessica Alsman joins the studio9:04 Letter: People's Express?9:06 Different airlines through the years9:10 "Wings" discussion and Hooters Air9:20 Alli Breen joins the show9:22 Sharing a dog with an ex9:25 My partner is cheating—should I go through the phone?9:28 Friends with benefits for 10 years—now there's someone new9:30 Secretly dating a co-worker and wanting a more serious relationship9:31 Girlfriend's best friend flirts – throuple discussion9:32 Breakup confusion with friends9:34 My girlfriend dislikes when I'm mean during arguments9:48 Ideal runtime for a film9:50 Minion discussion 7:00 Hour8:00 Hour9:00 Hour Learn more about your ad choices. Visit podcastchoices.com/adchoices

A video tape made at an ATM machine helps police in Louisville, KY, to nab a man suspected of raping 13 women. And a DA investigator in Georgia helps crack a murder case that his father, a police chief, first worked on 30 years before.This Episode is sponsored by BetterHelpApartments.com - To find whatever you're searching for and more visit apartments.com the place to find a place.BetterHelp: Visit BetterHelp.com/COLDCASE to get 10% off your first month.Mint: To get the new customer offer and your new 3-month premium wireless plan for just $15 a month, go to Mintmobile.com/coldcaseQuince: Go to Quince.com/coldcase for free shipping on your order and 365-day returnsShopify - Sign up for a one-dollar-per-month trial period at Shopify.com/coldcase and take your retail business to the next level today!Zazzle: Go to Zazzle.com for 25% off your first order!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

At this moment, Jim and Amos talk about Amos' recent virality and the death threats that have come with it. They rant about how the US has bad chants and what even is Paraguayan food?ADS:BLUECHEW: When you buy two months of BlueChew Gold you get the third FREE with promo code ATM. You will also receive an additional 10% OFF + Free overnight shipping on your first order. http://www.bluechew.comSOCIALS:Jim JefferiesWebsite: ⁠https://www.jimjefferies.com⁠IG: ⁠https://www.instagram.com/jimjefferies⁠FB: ⁠https://www.facebook.com/JimJefferies⁠Twitter: ⁠https://twitter.com/jimjefferies⁠Amos GillIG: @abitofamosgillFB: ⁠https://www.facebook.com/AmosGillComedy/⁠Theme Song: "Rein It In Cowboy" by the DoohickeysSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On March 2, 1998, 19-year-old Suzanne “Suzy” Lyall finished her shift at a software store in Albany, New York, and boarded a bus back to her dorm at SUNY Albany. A friend later reported seeing her get off at her usual stop on campus.But Suzy never made it back to her room.The following day, her bank card was used at an ATM miles away from campus. Yet despite decades of investigation, no one has ever been charged, and Suzy has never been found.More than 28 years later, investigators believe she was the victim of homicide, but what happened to Suzanne Lyall remains unknown.If you have any information in Suzy's case, please call the New York State Police at 1-800-920-4150. Editor: Shannon KeirceResearch/Writing: Haley GraySUBMIT A CASE HERE: Cases@DetectivePerspectivePod.com SOCIALInstagram: https://www.instagram.com/detperspective/Twitter: https://twitter.com/detperspectiveFIND DERRICK HERETwitter: https://twitter.com/DerrickLInstagram: https://www.instagram.com/DerrickLevasseurFacebook: https://www.facebook.com/DerrickVLevasseurCRIME WEEKLY AND COFFEECriminal Coffee Company: https://www.CriminalCoffeeCo.comCrime Weekly:  https://crimeweeklypodcast.com/shopADS:1. https://www.ForHers.com/Detective - Reach your goals and get affordable care that gets you at ForHers.com/Detective!2. https://www.Smalls.com/Detective - Get 60% off, FREE shipping, and FREE treats for LIFE!3. https://www.Square.com/Go/Detective - Get up to $200 off your Square Hardware!

Toy Story 5 reveals an existential question… Is Hollywood just a bunch of Hand-Me-Downs?SpaceX is moon-meming, it's now bigger than Amazon… because the stock market is Elon's ATM.We interviewed Ben Cohen of Ben & Jerry's Ice Cream… and whipped up a taste of it for you (literally).Plus, Boston actually just ran outta beer… because of Scotland's World Cup fans.$DIS $SPCX $ULCreativity Inc (the book about Pixar): https://www.penguinrandomhouse.com/books/216369/creativity-inc-the-expanded-edition-by-ed-catmull-with-amy-wallace/ Grab your Tickets to the IPO Tour: Our In-Person OfferingSan Francisco 9/23: https://www.ticketmaster.com/event/1C0064AFB5F688BDBoston 10/14: https://tickets.citywinery.com/event/tboy-the-ipo-tour-in-person-offering-8cdhupSeattle 11/4 (21+): https://www.axs.com/events/1446394/the-best-one-yet-ticketsNEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell. Hosted on Acast. See acast.com/privacy for more information.