Podcast appearances and mentions of blair singer

Happiness Solved with Sandee Sgarlata. In this episode, Sandee interviews Marjean Holden. In this engaging conversation, Marjean Holden shares her journey from a successful acting career to becoming a transformational trainer and speaker. She discusses her experiences in the film industry, her transition to training, and the importance of overcoming fear and embracing vulnerability. Marjean emphasizes the significance of personal power and self-esteem in helping others break through their limitations and live fulfilling lives. In this conversation, Marjean Holden and Sandee Sgarlata delve into the complexities of fear, emotional processing, and personal growth. They discuss how fear is a natural part of life, the importance of managing it rather than eliminating it, and the need for resilience in the face of challenges. Marjean shares insights from her experiences in performance and coaching, emphasizing the significance of taking small steps towards goals. The discussion also touches on the role of education in addressing fear and the impact of societal conditioning. They conclude with a focus on self-discovery and the transformative power of theta healing, highlighting the importance of remembering one's true self.Guest Bio:Marjean Holden is a very successful international transformational trainer, author, speaker, actress, producer, stuntwoman and mom. A woman who is extremely passionate about inspiring and encouraging others to dream bigger, express themselves more fully and have more freedom in their lives. After starring or appearing or performing stunts in over 40 feature films and television shows, dozens of commercials, making nearly a million dollars in the industry, and working alongside some of the most recognizable names in the business, Will Smith, Bruce Willis and Richard Roundtree to name a few. Her most notable role and what she is most widely recognized for, is her portrayal of “Sheeva” in Mortal Kombat:Annihilation of the globally successful MK franchise and “Arina” the opportunistic Mercenary in the Television Series, “Beastmaster: The Legend continue”. In 2005 Marjean put her very successful twenty plus year acting career on pause to pursue another of her life long dreams. {For full list of credits: https://www.imdb.com/name/nm0390232/?ref_=ext_shr_lnk. In 2003, Marjean was introduced to Peak Potentials, T. Harv Eker's success training company.  At Peak Potentials Marjean discovered an organization whose mission of educating and inspiring people to live in their Higher Selves was in alignment with her own.  In 2006 she subsequently became Peak Potentials' first female trainer then expanded into leading T.Harv Eker Signature programs Worldwide in Singapore, Malaysia, the UK, Italy, Germany, the Netherlands, Spain, Japan, Australia and Taiwan. She hosted and shared the stage with International sensations, T.Harv Eker,  Les Brown, Keith Cunningham, Bill Walsh, Lisa Sasavich and Blair Singer.  She is the Owner/President of Marjean Holden Enterprises and the “Power of the Goddess” which empowers women through highly experiential retreats, live events, online products and resources. She is also the author of her first non collaborative book titled “Power of the Goddess: A Woman's journey to Awakening, Embracing, Cultivating and Sustaining her Power”. Most recently she was published in a book authored by 10 powerful women from around the globe called “Un-apologetically Her” which soared into the #1 Best Seller position in Malaysia it's first week of launch. Having been so successful in a highly Masculine environment for so many years did eventually take its toll on Marjean and in 2012 she had a health crisis (burnout) which she now sees as an initiation into the divine feminine, this integration of the feminine & Masculine principals has taken a couple of years with many insights and a more rounded wisdom that she feels can inspire & guide high achieving Women to utilize the power of the sacred feminine in all aspects of life & love through connection & learning how to receive and play.TakeawaysMarjean has a diverse background in acting, training, and stunts.She emphasizes the importance of personal power and self-esteem.Fear is often the anticipation of emotional pain, not physical.Vulnerability can be a source of strength and connection.Marjean was the first female trainer for Peak Potentials.Her journey reflects a commitment to helping others overcome their blocks.The transition from acting to training was a significant turning point.Marjean's experiences in stunts opened new opportunities for her.She believes in the power of community and teamwork in stunts.The Enlightened Warrior program focuses on breaking through limiting beliefs. Processing fear can lead to emotional release.Fear often stems from primal instincts.Successful individuals learn to manage their fears.Taking small steps is crucial for progress.Fear is deeply rooted in our DNA.Education about fear can empower children.Resilience is essential in today's world.Theta healing can facilitate deep emotional shifts.Self-discovery is a journey worth pursuing.Remembering who you are is key to personal growth.Connect with Marjean: Instagram: https://www.instagram.com/marjeanholden/Twitter: https://x.com/marjeanholdenConnect with Sandee: Website: www.sandeesgarlata.comPodcast: www.happinesssolved.comFacebook: www.facebook.com/coachsandeesgarlataTwitter: www.twitter.com/sandeesgarlataInstagram: www.instagram.com/coachsandeesgarlata

Register here for GRE's live online event to learn about ‘Cleveland's Amazing Cash Flow Opportunities' on Thursday, March 20th. Keith discusses the impact of recent federal job layoffs, emphasizing the importance of diversifying income sources. 40% of Americans experience job loss at least once in their careers, with men more affected. He advocates for real investing in real estate as a safety net. Seth Williams joins the conversation to discuss the use of AI in everyday life and real estate investing. Hear a practical example of how AI can help with real estate due diligence, such as reviewing municipal regulations and zoning rules. Resources: Check out Seth's resources, including the Pulse Inner Circle community, to learn more about practical applications of AI. Show Notes: GetRichEducation.com/543 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, amidst 10s of 1000s of federal workers recently getting fired. It's not rare, because throughout their working career, layoffs hit 40% of Americans. How do you hedge yourself against the danger of losing your job? Then get a fascinating understanding of how you can use AI to improve your everyday life, and some applications for AI in real estate investing today on Get Rich Education.   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads in 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:19   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  1:35   Welcome to GRE from Sunbury, Pennsylvania to Sun Valley, Idaho and across 488 nations worldwide. I'm Keith Weinhold, and I'm grateful to have you with me here for another week. This is get rich education. I'm known as the guy that back in 2015 was the first person to explain how real estate pays you five distinct ways at the same time when mass federal layoffs hit recently, you know you can learn something really important at a time like this. And no, it's not about the Washington, DC real estate market. That's not where I'm going here. That's not the bigger lesson, unless you're perhaps in the DC real estate market, it's shaping up to be 10s of 1000s of federal workers that are getting the boot as the result of the new administration in charge. We'll see where the number lands. But the thing is, is that federal jobs have long been deemed as the most secure, and yet more firings are coming. So if they're the most secure jobs, then what does that say about you and the safety of your job in both your near term future and your long term future, whether you're in the public sector or the private sector. I've worked in both sectors, and yeah, sadly, this is not such a rare occurrence. Many sources cite that roughly 40% of Americans get fired at least once during their working life. Job loss is more likely for a man than a woman, and it's happened to me. Yep, even I've taken that awkward and awful feeling box full of desk stuff, walk. The big lesson here is that you need to grow a second source of income, Experian and fed data. They cite that the average debt per consumer is about $39,000 worth of student loan debt, and another $24,000 worth of auto loan debt and another $6,500 worth of credit card debt. Well, those are not good debt types, like real estate debt is where you can outsource the debt to a tenants. Instead, you are the one that has to pay these type of debts, and that's why a lot of job losers are going to decline into a financial tailspin. They will default on their payments. They will become delinquent, they will descend into bankruptcy, and they will have a destroyed credit score, and the incidence of depression and suicide that even goes up for these people. Now, as we know, most of the so called financial advice out there that targets budgeting, how to cut your expenses. That's okay. You can do a little of that, but if you lose your job, a bundled cell phone plan in ditching your $7 latte is hardly going to help you. See, here's the thing that a lot of people fail around. Lies, even if you get a promotion and a raise at work, it still only pads a dangerous single source. It's still just a sole income source. Instead, what's powerful is, rather than budgeting, it is increasing your income, but it needs to be a source outside of your day job. That's how you get income diversification at the same time. I mean, you could take on a part time job or freelance work and accomplish that, but see the problem there is that you've lost your irreplenishable time. That's a one way street that time is never coming back. Don't live below your means. Grow your means. Owning an income property that can completely solve all of these problems, even a low cost income property of, say, $200,000 and Okay, a property like this, that might start with just 100 to $300 per month of residual cash flow, but that amount tends to rise even faster than inflation, because, as we know, your mortgage payment stays fixed. That's how that happens, and additionally, your 200k property at just 5% annual appreciation that grows to 255k in just five years. And if you only made a 20% down payment of 40k on this well, that property that grows to over 100k of equity in five years because you've got both the appreciation and the tenant made loan pay down. There is more to this. Besides increasing your monthly income, you can often take a chunk of this 100k plus equity with a cash out refinance that is a tax free windfall event, you heard that, right? Tax free, and you still get to hold on to the property. So a simple, low cost 200k property, just one of those, it increases your income now it gives you a second source of income, and it simultaneously gives you a leveraged windfall chunk that you can access in one nice, tax free cash lump. And one thing's for sure, you want to get a loan for income property and get that property now why you have your job? Because when you lose your job again, 40% of the time, no mortgage underwriter will qualify you when you're unemployed, relying on one income source that is kind of like playing Jenga on a wobbly legged table. So really, the bottom line here is that widespread federal job firings, they have really brought to light how many people are vulnerable with just one source of income. Why would anyone do that? Owning investment property solves the problem. Plant that second income seed now you can't have just one income stream that is too close to zero, that is precariously close to zero, and much of your life's thought pathways. They're about expectations, your expectations for the future, the way you think about your future, and if there's even a looming threat of losing your job in the future, you know that might not happen, but just the mere threat of losing your job that can induce stress. So that's why you want to do something about that, and I have a great resource to share with you shortly that me and the team here at GRE are going to help you with in you getting that vital income diversification a second source, but first Tax Day is next month. If you aren't getting an extension, you be pulling your tax documents together Trump tax changes are anticipated any time here, the highest federal income tax rate is expected to stay at 37% the standard deductions are moving up soon, indexed to inflation, $15,000 if you're single, $30,000 if you're married. Basically this means that things like your donation receipts. You know what? They are not worth saving and tracking unless they exceed those standard deduction amounts. And I like easy ways to remember things as you're pulling together documents for your tax preparer, if you are the tax preparer yourself, a w2 form shows. Income from your employer. A 1099 form shows income that's not from an employer, really. That's the distinction and an easy way to remember it. And to my point earlier about having more than just one vulnerable source of income, I hope that your 1099 income not from an employer, like the rents that your property manager collected for you that those 1090 nines are increasing faster than your w2 income, which is from an employer.    America's first car free neighborhood. I sent you more about that in our newsletter recently, and you said that you really liked learning about it. Yes, America's first car free neighborhood. It's had its share of detractors and skeptics and supporters since it broke ground in 2021 these are largely rental apartments in Tempe, Arizona, that is just the east of downtown Phoenix. Residents get around with light rail and E bikes. Studio apartments start around $1,300 a month, and three bedroom units around $2,700you can meet your neighbors more and get to know your community when everyone's not in their car and garage bubbles. So I found this really interesting. One resident of America's first car free neighborhood said We've probably made more connections here in six months than when we lived in the suburbs for 15 years. That was interesting to learn about in our newsletter.    Coming up on the second half of the show today, an expert guest and I are talking AI, think about all the time that this is going to save you. Think about all the brain damage that this is going to save you. Think about how much better informed you're going to be and how much smarter you'll feel. That's coming up shortly. Hey with what I mentioned earlier, I am announcing that coming up in just a couple weeks, here on March 20, it is our live online event for an amazing Cleveland cash flow opportunity. And why Cleveland now? Well, healthy, real world monthly rents are more than 1% of home prices. That is a lucrative ratio. And on top of this, we are layering the BRRRR strategy by rehab, rent, refinance and repeat, where cash flow averages more than $500 per door. This strategy, it allows you to put fewer dollars in the deal, and that's why it's really popular. Be sure to show up and learn more. Our last live online event was last year. It was for BRRRRs, and we had a record 538 registrants. We're going to examine single family properties in C and C plus neighborhoods. Those are the investor sweet spots here. And besides learning about real estate due diligence and the Cleveland market, there will also be a buying opportunity. Yes, the bur strategy allows you to invest with that low equity position, yes, both investor advantage areas, with the BRRRR strategy layered on top of it, it's the right opportunity for you if you need to build that second or third source of income. And besides all that, there's just the simple fact that amidst the well known national undersupply of housing. Entry Level homes, like these ones in Cleveland, they are even fewer. That entry level segment really has the scarce supply. I mean, you're going to own a scarce asset that everyone wants and needs. And this live event is one of course you can join from the comfort of your own home. It has two co hosts. You are going to be joined by one of our terrifically qualified GRE investment coaches and one of our top partners who has helped investors create wealth and grow their portfolios for over 20 years. I know him. I've had dinner with him. You can register now at GREwebinars.com Again, it is March 20. Our last one had 538 registrants. That was a record. Register while you can it is open now at GREwebinars.com more next. I'm Keith Weinhold. You're listening to GRE   you know what's crazy. Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I saw. Putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing. Check it out. Text family to 66866, to learn about freedom family investments, liquidity fund again. Text family to 66866    Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com   Blair Singer  16:35   this is Rich Dad, sales advisor, Blair Singer. Listen to get rich education with Keith Weinhold. And above all, don't quit your Daydream.   Keith Weinhold  16:51   How do you really use AI? Can you believe if you have a question about anything in life, 90% of the time, it already makes more sense to ask chatgpt than a human being. That's what my longtime friend says. He's with us today, and he hosts the terrific R E tipster YouTube channel. Welcome into GRE Seth Williams,    Seth Williams  17:15   hey, Keith, great to be here. Thanks for having me. Seth, you've been interested in AI for years. Tell us how your perspective has evolved over time. A lot of people have pretty big variations in how much they use AI and how much they're even aware of it. Personally, I use it every day, like many, many times a day. Chatgpt is open almost all the time, and I use it for almost anything you can imagine, like when I have a question about almost anything, it makes more sense to ask chatgpt than it does to do a talk to a human, because I can get direct answers. It's armed with pretty much all the information that's publicly available on the world is an incredible resource. And when I talk to people and I ask them, like, Hey, do you use chatgpt? And they either say, What are you talking about, or they say, Yeah, I've used it once. It like, it just hurts me. You know, it's like, seriously, you have a superpower at your disposal here. You're not using it. It's kind of like what the internet was back in 1995 or something, where, like, some people kind of got it, but a lot of people didn't get it yet. It's pretty crazy when you can harness the power of not just chat GPT, but all of this AI stuff that's available now. Like, there's incredible, very powerful leveraging opportunity here.    Keith Weinhold  18:27   I use it about every other day. I bet after talking to you, it's gonna make me want to use it more. But, yeah, the guy that cuts my hair, he's only 25 years old. He doesn't seem very familiar with this. But like you said, it's a lot like Google in 1995 to maybe 1998 like, people just didn't automatically think of Googling something. And it's beginning to get that way, I think with using an AI like chatgpt to answer your questions, why don't you tell us about some of the biggest misconceptions that people have about AI?    Seth Williams  18:54   Well, that's good question. I guess it kind of depends on where they're coming from and what they are even aware of in terms of what is capable of. But I know one thing I hear from time to time is people will say, Well, I'm not a content creator, so I don't really have a use for that, like it makes sense if you're like a blogger or a podcaster. And I guess the good thing is that they at least have some awareness of what it can be used for. But things like chatgpt can be used by pretty much anybody who knows how to type on a computer or even speak to their phone, the chatgpt mobile app, for example, I just love this thing you do have to be a paying Plus member, which is 20 bucks a month. That is a laughably inexpensive price for everything that chatgpt could do for you, especially a mobile app. I can turn this thing on. I can use it as a camera to point to anything and have it give me insights and instructions on how to deal with this thing, whether it's a plumbing problem. I was just using it this morning. I had my phone set up on a tripod on my desk, pointed at Zapier trying to figure out how to make two complex softwares work together, and I just had to speak to it in real time. Time and ask it, this is what I'm trying to do. How do I do this? I don't get it, and it explained exactly what to do. And this was help that I could have paid a consultant money for, but it just came from this app, and all has to do is just look at my screen and it understands all of it. It sees things that I don't see. I know people that use chatgpt as the therapist. I've never done that, but I've know a whole lot of people that do that kind of thing. Yeah, and it gives them legitimate, useful feedback, and it's available 24/7, and it doesn't cost 100 plus dollars per session to talk to them.   Keith Weinhold  20:32   You the listener right now are thinking about all the jobs that this is displacing, surely, but why don't we pull back and think about no Seth. If someone is completely new to AI, what's the first thing that they should try to use it for?   Seth Williams  20:46    If you are a real estate person? Specifically, I don't know if everybody listening to this is necessarily, but as a real estate investor, the first thing I ever used it for was writing property descriptions for me, like when I had a property I was trying to sell. I know there's a great way to explain this thing, but I don't really know how to do it in my own head. Yeah. And you can just feed it basic information about the property and say, Hey, write me a beautiful, compelling property description that will make these things sellable and make people you know, respond with interest and that kind of thing. And just do that, and you'll see what I'm talking about it. It's an incredible writer. It does a great job. What's your question about where do they start with chat GPT? Is that what you're asking? Yeah, if one isn't familiar with it, where should they start? Well, another thing you could do daily use type thing. So something that I've used chat GPT for, I've taken a picture of my closet in the different clothes I have to wear, and I send it to chat gpati and say, Hey, what should I wear today? Like, what different articles of clothing would you recommend that I pair together? You could do this with your cupboard. Say, Hey, here's what I have in my cupboard. Tell me what I can make with this and then give me the recipe to make it. You could do this at the drug store. You'd go take a picture of the shelf and say, Hey, I have a splitting headache. Show me what on this shelf will solve my problem right now and get rid of my headache. I've actually got this problem worse than most people, where I can be looking right at the solution, and I don't see it like it's right there in front of me, but I miss it. But chatgpt doesn't miss anything like, if it's in the picture, or even in the the live vision camera, it's like a live video feed that you can point at anything. Like it will see it, and it will point out stuff that you very likely are missing.   Keith Weinhold  22:24   That's amazing. I haven't used its image capability that way yet, and really that brings up Seth. There are so many AI tools available, like an explosion these past couple years. How is a person supposed to decide which ones are worth using and which ones are not.   Speaker 1  22:41    It's very true, there's a lot of stuff out there. It can be a little overwhelming. I can tell you, I've used chatgpt, I've used Claude, I've used Gemini, I've used grok, bunch of different AI chat bots out there. They can all do some pretty amazing things, but if you just don't know where to start, like I'll see if I can only have one of them, chatgpt is what I would go to. I think part of that is just a level of familiarity, like I've just used it for so long now. It's like a comfortable old shoe, but it really is innovating at an incredible speed, and it's this AI boom has been happening for over two years now, and chatgpt is still arguably at the top. I mean, they've done a really good job of staying on the bleeding edge of what can be done now, and chatgpt is free, but if you pay for the $20 a month version of it, you just unlocks a lot more capability and usability. That's probably what I would do. But there's different Claude. I've seen this myself, and I've heard this from a lot of other people. If you're trying to, like, write a story, for example, Claude is actually a better writer than most things out there. So that's what you're trying to do. Like, go with quad you want, like, a one, all purpose tool that can do pretty much everything reasonably well. That's what chat GPT is, in my opinion,   Keith Weinhold  23:52   those are some great tips. And yeah, I thought it was pretty impactful last year, when even when you do a Google search, at the top of that, there is now an AI summary before you see your conventional Google Search sort of hits, which actually concerned Google advertisers for a little while. How about some of the most driest and esoteric reading that we can think of, and how AI can speed that up and make it more interesting, just say, doing due diligence in real estate, like reviewing municipal regulations or zoning rules and property restrictions. How does AI help you there?   Speaker 1  24:27    I've used it numerous times for that, perfect for that. For example, in the land business, one way that you can make money from land is by subdividing land. And one strategy within the subdividing business is to find properties that are they're called exempt subdivides, which means that you can essentially do the subdivide and not get anybody's permission to do it, like you can just split it up and not ask anyone. And you can do it, but you can only do that if the size of the property is over a certain threshold. In Texas, I think it's 10.01 acres or. Higher. There's certain places Michigan that are similar, but you can figure this out by looking at the county and the municipal guidelines to understand what is that threshold, or does that threshold exist at all? You can find these PDFs from the county or the municipal website. Upload it to something like chatgpt or Claude, and just ask the question like, how big does a property have to be before it's exempt from the subdivision rules? And it'll tell you, if it's in there, it can redo the thing in a matter of seconds and tell you what the answer is and where it found the answer, a very similar thing with like legalese and legal writing that's really hard for the average person to understand, probably by design, it can decode that for you. I've gotten this before. I've gotten really poorly written emails from people like electricians, or even just, I can't believe there's already happened exactly. They explain things using a lot of industry jargon and lingo, and I don't know what they're talking about, right? And I can copy and paste that email into chatgpt and just say, Hey, I got this email from an electrician. I have no idea what this means. Can you explain this to me? Like I'm a five year old, and it does it, and it works every time where it's like, oh, okay, that's what you meant. I can just know that instead of having to respond to them and say, Hey, can you rewrite that for me? I don't understand it, and they reply, and it's bad again. And it goes back to this a lot of questions that a lot of us have every single day. Historically, we've gone to people to ask those questions, and that's fine, but it wastes their time, and it wastes our time, and we still might not get the answers we're looking for, but with things like chatgpt, like you almost certainly will get the answer you're looking for very quickly, and it doesn't waste anybody's time other than the time you have to spend asking the question. So it's a big 8020, lever, you can get a lot more done without relying on the limits of humans to get the job done.    Keith Weinhold  26:50   We're talking about how you can use AI in your overall life and in real estate a little bit too. With Seth Williams, well, you're such a good resource. You're really pretty pioneering in learning AI and helping you with problems and solutions in both your overall life and in real estate investing. So tell us by now, what are some of the most unexpected or just like, totally impressive things that AI has helped you with, and how do you do that stuff?   Seth Williams  27:17   That's a really long list, but the thing that I have been most impressed with as of late is something that both chatgpt and Google Gemini can both do this now, kind of in different ways, but they can look at your computer screen and help you figure out all kinds of complex problems. Talked about this a little bit in part one, but earlier this morning, I had my chat GPT mobile app right here on my phone. I had it on a tripod pointed at my screen, and it was walking me through how to set up a couple new zaps on Zapier using a web hooks, which just right there I probably lost most people. It's just a confusing thing to figure out. I still don't fully understand it, but I was explaining my problem and what I was trying to do, and I could just talk for as long as I want, until I'm done talking. And then chatgpt chimed in, and in about 30 seconds, it solved my problem and told me exactly what to do. And Google has another way of doing this, where it's actually like on your computer, like seeing your entire screen, and it kind of does the same thing where a voice talks back to you. It's amazing, because I know how hard some of these things can be, the type of thing that would either make me give up and just not do what I'm trying to do, or pay somebody a bunch of money to come in fix the problem for me, or stand over my shoulder, either which way is not a great outcome. But with the help of these AI chat bots that can see everything going on, and they have basically all the knowledge in the world about how to solve the problem. They can do it really quickly and easily. And it's amazing. That's one of millions of different things you can do with chatgpt.   Keith Weinhold  28:51    Oh dear. If AI looked at my computer screen, the first thing they would probably tell me is to close half of the tabs that I have open. Oh, yeah, me too, yeah. How are you personally using AI in your real estate investing business today?   Seth Williams  29:07   lots of ways, but one thing that has been particularly useful to me is the use of what's called Custom gpts, which basically just means, right, you are training chat GP T to respond to you in a very specific way based on certain instructions you give it. So every time you start a conversation like it already knows why you're there, what you're looking for, what assumptions you want it to make. One example of a custom GPT I've made is one that can very quickly analyze big commercial projects like whether it's a self storage facility or industrial outdoor storage, I've explained to it how I want it to run the numbers based on certain information. I give it like square footage and pricing and occupancy rates and that kind of thing. So I can basically feed it like six or seven key pieces of information and 20 seconds it can tell. A give me, like a one to 10 rating based on this is a great deal, you should move forward, or this is a terrible deal. Look the other way. And the reason this is a big deal is because the way I used to handle this was I had a giant spreadsheet, and I would go line by line, filling in all these different inputs, and it would take me, at a minimum, like 30 to 45 minutes to get to the same place of understanding, like, Yes, this is good. I should keep going on this. Or no, this is a terrible deal. And it can just, like, look at a lot of stuff, a lot of data, very quickly. And it's not like the final answer necessarily, like, you don't just blindly follow whatever it tells you to do, but it can just get to the bottom of stuff, or, I guess, get further to the bottom of stuff, wasting a whole lot less time. So, you know, the real estate that's super helpful, and people in, like, banking and accounting and all this stuff fields where, like, there are full time analysts that look at this stuff all day long. And it naturally takes humans a lot of time to figure this stuff out, but AI can get there much faster.   Keith Weinhold  31:03   Yeah, that is pretty remarkable, and it sounds like you're finding a pretty high degree of reliability and not getting what we call hallucinations in the AI world.    Seth Williams  31:15   Yeah, that is sort of a developing thing. So hallucinations, it's definitely a real issue where basically we'll just make up stuff that sounds viable, but it's not right, and the only way you would really know that is if you knew better in the first place, which means, why am I even asking the question if I already know the answer? So it was kind of an issue where chatgpt and Claude and Gemini would just make stuff up. One of the ideas with some of the newer models that are coming out with, like, oh one or oh three mini now is what they've got. They use a lot more logic in these models. And the difference is, when you ask it one of these questions, and if it doesn't know the answer, it'll just say, I don't know. That's a great answer. They're hallucinating. Yeah, absolutely. And you know, chatgpt Four, oh, it's kind of like the difference between if you hire a very polite VA in on the other side of the world who's trained to be a yes man or a yes woman, like they want to make you happy, and they're going to tell you what you want to hear, whether it's right or not, whereas, you know, these more advanced logical models are more like your account or it's like, I'm not here to impress you. I'm just going to tell you the facts and how things really are, I think, depending on what you're trying to do, like, there are certain situations where you'd want the more creative four, oh, version of the situations where you'd want the logical ones. So I'm trying to, like, do code or analyze numbers or do something where accuracy is very important. That's where I want to use those logical models. But if I'm like, writing a story or song lyrics or whatever, and creativity is more important, that's what I'd want to do four Oh, so it's not that either one is like better or worse. It just depends on what you're trying to accomplish and what output you want from it.   Keith Weinhold  32:54   Sure, part of this is knowing which tool to apply. There might be a grain of gratefulness, that there are such thing as hallucinations, right? I mean, it still takes you a human being thinking to confirm, does that answer make sense and it's just simply a good idea? Or could that be inaccurate? So the human component sounds like isn't completely displaced yet at this point, starting probably more than 10 years ago, Seth, when people began to look for answers to everyday questions, oftentimes, they would go to YouTube and they would just like to get their answer that way. Why is this faucet leaking or anything else? And watch a YouTube video about that. What's your process though for using AI to take a YouTube video and summarizing it and extracting key insights that way?   Seth Williams  33:39   Well, there is a free chrome extension called glasp, G, L, A, S, P, that I just used it this morning. All the time. I've heard of it. It kind of sits on top of YouTube. So when you're on YouTube and you have this chrome extension there, this little button appears, and you can copy a transcript of the entire video and then take that and paste it into chat, G, P, T, and you can ask it whatever you want about what that video is about. You could say, summarize it in one sentence. Or you could say, Does this video talk about this issue? And if so, where or what does it say about it? You could say, take this video and turn it into a blog post for me, literally, like, whatever you can imagine that could violate come from that video. You could get that information from it. And that alone is is amazing. And it kind of goes back to, like, what is the purpose of this video, or what is my question that I'm trying to get answered? Am I looking for entertainment? You know, for example, I've been watching a lot of videos about guitars and guitar pedals and amps lately. I want to hear what this guitar sounds like. I kind of have to watch a video for that. Like, a transcripts, not really going to help me chat. GPT is not going to help me. Like, I just actually have to watch the video. So this doesn't totally render videos useless. It just depends on why you're watching it and what information you want to get, and how can you get there faster.   Keith Weinhold  34:50   This has been great. Seth, are there any last things that we should know about? Ai, whether that's misconceptions or making sure that we're using the right. AI tools and avoiding the wrong ones. Any last thoughts? Seth, if   Seth Williams  35:04   people are really interested in this stuff, I mean, there's plenty of places you can go online. This is a huge trending topic on YouTube, lots of good information out there. We actually put together a school community intended primarily for real estate investors and business people. It's you can find that at Pulse inner circle.com, P, U, L, S, E, inner circle.com. We're talking about this stuff all the time. My friend Mike balcom and I did a couple different courses on this stuff, like a guided course that was awesome. I mean, we even learned a lot of stuff going through the process. But it is a rapidly advancing area right now, and it has been ever since chatgpt came out, like, every week, there's some huge new thing out there. It's something that's worth paying attention to, because even, like, right now, it's incredible the stuff you can do. And interestingly, like, most people aren't doing it. So if you are up to speed and educated on it, you've got a superpower that most of the people don't know exists or aren't willing to learn.   Keith Weinhold  36:01   That's a great point. If you just learn 1% of this, you're going to be ahead of the general population, and it's really easy to do. Seth, I've done some learning about AI myself. This has been a great chat. Thanks.    Seth Williams  36:14   You bet.   Keith Weinhold  36:21   Check out Seth's resources and his own R E tipster podcast. Always love to chat with my man, Seth Williams, Super Down to Earth guy, and also he does not look like a dork like you might think an AI expert would. Yeah, like I told Seth, the guy that cuts my hair is 25 years old. He's a SoundCloud music artist. He mentioned to me about how he writes his own lyrics for his music. I asked him how the results were when he asked chatgpt to write his lyrics or write him some rhymes, he told me he never even thought of that. I couldn't believe it. So yeah, AI, it's just still not top of mind for people.    The two platforms that I use the most are chatgpt and venice.ai last year I told you about how you can turn any document into an AI podcast with notebook LM, and you'll remember that I also played a minute or two of that AI generated podcast right here on the show for you, you can book your travel with AI as well. Have it put together in itinerary for you. Have you asked AI who you are? I hope that you've tried that by now. When I go to chat GPT and ask it, who is Keith Weinhold, let's see, is it accurate? Well, the answer starts with Keith Weinhold, is a real estate investor, author and the host of the get rich education podcast. Well, then it goes on for a few paragraphs. It goes on to say he founded get rich education, a platform that offers educational content through podcasts, blogs and resources about real estate investing, personal finance and wealth building. His teachings emphasize the benefits of leveraging real estate as a long term wealth building tool while highlighting strategies to maximize cash flow and minimize risks. Okay, yeah, I would say that's accurate. No hallucination there. You can also ask chat, GPT or an AI, of course, about your properties. In fact, I'm going to enter the address of one of my rental properties and ask it how much cash flow it generates. So to skim the answer for you, it's okay. It looks pretty accurate. Here. It says that it is a three bedroom, two bathroom, single family home with 1300 44 square feet of living space. It shows the property was last listed for rent at $1,625 per month in March of 2024 Yep, that sounds right. Zillows rent, Zestimate estimate estimates the current rental value at $1,898 per month, is what it says. Okay, and then here's what it says about the property's cash flow. Because I asked that about the cash flow, it writes to determine the potential rental cash flow, consider the estimated monthly rental income of 1898 subtract operating expenses such as property management fees, maintenance insurance, property taxes and any mortgage payments, the resulting figure will represent the net monthly cash flow. All right, well, then it goes on with more info that's less interesting, okay, so therefore, at least this basic question that I've asked it chat GPT, I mean, it cannot know my cash flow unless they know what my loan amount was and what the mortgage interest rate is and those sorts of things. But maybe another AI knows that, though I am not sure.    Hey, coming up here on future episodes of the get rich education podcast, some well known names that haven't been here on the show. Before and another interesting upcoming episode down the road. Here is when a pastor is going to join me on the show. Here, this pastor is an expert in what the Bible says about money. You might be familiar with the Bible verse that says it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God, gosh. Well, how does that make me feel about how the pastor and I's conversation is gonna go here on a show that's called get rich education that ought to be super interesting, and I really look forward to that show. Now, even if you're not a Christian or you don't believe in the Bible, this is going to be a significant conversation, because you cannot deny the Bible's influence. It is, in fact, the greatest selling book of all time, and even if it doesn't personally affect you, it does impact other investors around you and just billions of people across the world. What the Bible says about money coming up, which could have, I guess, some uncomfortable moments here in future weeks on the show, along with a lot of other great content. If you want to be sure that you don't miss that on your pod catching app, be sure to hit the Follow button. Also, if you would please, simply tell a friend about the show until next week. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 2  41:41   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  42:09   The preceding program was brought to you by your home for wealth, building, getricheducation.com      

Tom Wheelwright is back by popular demand, our most recurring guest in GRE show history. He's a CPA, an International Authority on Tax, and Best Selling Author of “Tax-Free Wealth” amongst many other titles. We focus on the potential unrealized capital gains tax, which would tax the increase in property value even before sale. Tom explains the implications of this proposal and the broader impact on tax policy.  We cover the Democrats' proposal for capital gains tax at ordinary income rates, capital gains on gifts, and capital gains when you die. The proposal for a billionaires tax, which would tax unrealized gains at $100 million, could potentially extend to lower net worth individuals over time. Real estate income can result in a negative tax rate, increasing cash flow after taxes. Learn about the benefits of working with a knowledgeable tax advisor. Resources: GetRichEducation.com/tax Show Notes: GetRichEducation.com/519 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 For advertising inquiries, visit: GetRichEducation.com/ad Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai      Keith Weinhold  00:01 Welcome to GRE. I'm your host. Keith Weinhold, this week we're talking about the value of the raw land that comes along with your property, the importance of an as built survey in real estate. Then it's tax topics with pro Tom wheelwright, the specter of an unrealized capital gains tax, higher capital gains tax rates, how gambling is taxed, and how to permanently reduce your overall tax burden. Today on get rich education,     00:33 since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  01:18 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  01:34 Welcome to GRE from Essex County England to Essex, Massachusetts and across 188 nations worldwide. I'm Keith Weinhold. You're listening to get rich education before we talk taxes, let's talk about the land, the raw land, the lot that comes along with your property. Investors don't spend much time thinking about it. Yet the land is sometimes worth more than the home or structure that's on it, per the FHFA, land constitutes 32.2% of the value of the average US single family property in a metro area. Now the inexpensive land prices nationally, they are predominantly in what I'm classifying it as three US areas, the Midwest, the southeast and Appalachia well, where you have inexpensive land. Oh, that also happens to be where the cash flow for long term rentals resides. Land costs more by the water because people want water activities, water proximity and water view. So the lower costs are inland, and land also costs more by the water, because coasts and shorelines constrain development, sprawl that limits supply and a limited supply of buoys up prices. Consequently, the highest land values are mostly in the Northeast Corridor, from Boston to DC, Miami, coastal California and Honolulu. Yes, Manhattan values are flat out extortionate for raw land now, Seattle, Madison, Wisconsin and Boulder, Colorado. They are three places with really high land values as well. Seattle and Madison are on geographic isthmus. And isthmus is a narrow strip of land with water on both sides. It's interesting how Nashville's nascent population influx made its land values surge inside a cheap sea of southeastern US land values now costly land areas like these ones that I've been talking about on the coasts, they could work well for short term vacation rentals like Airbnb and VRBO, your classic waterfront and beachfront weekly rentals, but they do not work for long term rental cash flow. Texas Land values are sort of low to medium. Land near the Mississippi River and its major tributaries have low costs because rivers are efficient transportation networks, prohibitively high land costs. That's one reason, actually, why alternative building methods just really aren't as cost effective as some people think. I'm talking about things like 3d printed homes, prefabbed homes, tiny homes and shipping container homes, well, all of them have got to sit on land, just like conventionally build homes do. And there is a land cost. Talk to a tear down specialist, and they'll tell you that in some older homes, 100% of the total value is in the l and. And in practicality, it's actually even more lopsided than that. The structure can have negative value because demolition is not free. So for you to get an idea yourself, your property tax bill, it's going to show you your split. That's where you'll see the assessed values broken out for both your structure and the land. So the bottom line here is that cash flowing properties have low land values, typically 25% or less of the total property value. That's generally what you want to look for. And I swear the only thing that's more barren than raw land is the creative naming process for new developments. There is such a lack of creativity in these development names. I'm talking about names like Willow Creek Estates, stone bridge crossing, or what else do they name a new housing development? How about VISTA, view heights? They all have these idyllic sounding names that somehow just all sound like each other. Well, we're talking about raw land when you get in contract to buy a property, the seller side is expected to provide you with an as built, it often still comes in the form of an old fashioned piece of paper and as built survey, what it is is a plan view, a bird's eye or aerial view of your property. It's not a photograph, but a drawing, and it shows you the dimensions and the placement of structures on your property, and it includes things like fences and other features like easements. Now, lenders don't always require an as built before granting a loan, but it's a good idea to ask to see one before you wrap up your next deal. If you want to in your offer, you can even require that a recent as built be done by a surveying company. All right. Well, what exactly do you look for on an as built once you have one in hand, first see that the house or apartment building that you're buying is properly set back from the property lines to meet zoning requirements. If the six foot side setback is only five feet 10 inches, then you'll have to address that before you buy even if it's five feet 11 inches. Now it's possible that the jurisdiction that you're buying in will grant a letter of non conforming status, but if not, the structure is going to have to be adjusted. Another item to look for on an as built are encroachments. This is where part of a neighbor structure protrudes over the lot line and onto your property. And encroachment is really only acceptable if you're willing to grant the neighbor an easement in perpetuity for their encroachment onto your land. But why would you want to do that? The third thing that I want to mention that you should look for an as built is the existence of easements. An easement that just means that another party has a legal right to come over onto your land and use it. Yeah, and easements are actually quite common. It's not as threatening as it might sound. A common one is that as your as built would show, say, a five foot wide by 60 foot long easement. Is there that a utility company has access to. Well, that's something that makes sense. It's for the common good, but just be mindful that an easement cannot have a structure with a permanent foundation built on top of it, alright, because an electric company or a water company might have to excavate there. Most people think of easements on the raw land, but there are also aerial easements, for example, an overhead power line where the roof eaves are not allowed to intrude on that airspace. So to review what you learned so far today, the best cash flow properties typically have low land values, often about 25% or less of the tolerable property value. And an as built survey is an aerial view drawing of your property and its dimensions on an as built look to see that it meets zoning requirements like setbacks and look for encroachments and easements. It is resale properties where it's more important to look at as builts than it is for new construction properties.  As we're about to bring in tax pro Tom Wheelwright shortly, business owners and real estate investors really get so many of the best tax breaks in the US Code. But you've got to know. How to find them, or else work then with a CPA that does know how to find them, that really knows how to navigate their way around the tax code, people that make high salaries pay high taxes, as much as 50% you remember I did that episode a few months ago, high salaries don't create wealth. Taxes are one big reason why, say, for example, a chiropractor makes $1.2 million a year in salary. But if that chiropractor becomes an investor by buying and selling other Chiropractic Clinics or investing in real estate, their tax rate will drop by half or more, and that's because capital gains tax rates are about half of ordinary income tax rates. So see, you don't want to be a super earner. You want to earn enough money to invest and become a super owner, but tax policy could change Tom and I will discuss that first. Then we'll talk about reducing the amount of tax that you pay. Today is a new punishing unrealized capital gains tax coming that you will have to pay. What this means is that if you have a $500,000 home, and it rises in value to $550,000 well, you would have to pay tax on your $50,000 of profit, but you haven't sold your home. So this feels so wrong, because you haven't realized any profit at all. This is what unrealized capital gains tax is. And also, where are you going to get the cash to pay the tax on your 50k of profit just because your home rose in value yet you didn't realize it? I mean, might you have to sell your home in order to get the cash to pay the tax. And then what if you though could pay the tax on your unrealized capital gain so you do pay it, but then the following year, the home goes down in value. Well, would you get a refund then? So the unrealized capital gains tax proposal is a mess. Let's learn about it and more. This week's guest is a best selling author, CPA and an international authority on tax. He's brilliant because he actually makes taxes fun, easy and understandable. He's familiar to you because he's the most recurrent guest in show history. Welcome back to GRE Tom Wheelwright.   Tom Wheelwright  12:48 thanks always good to be on your show.   Keith Weinhold  12:50 Tom probably with more than 30 show appearances here now you are 6% of GRE episodes.   Tom Wheelwright  13:00 That's a little scary. But you know, taxes are your single biggest expense, so why not?   Keith Weinhold  13:05 It's appropriate. And yeah, I guess all these appearances are certainly an endorsement of how much you help our audience. It's also a reflection of how tax and legal are not my strong suit. So it really helps to have you here absolutely the all time, assists leader in GRE history then and Tyler. An awful lot of timely tax topics going on that are probably first and foremost in more people's news feeds than they usually are. As we're here during presidential campaign season, the one that it really seems to revolve around the most is this potential tax proposal on unrealized gains. I've been around long enough where I seem to see this proposal come up more often, but it never seems to go anywhere. So first, why don't you tell us what unrealized gains are?   Tom Wheelwright  13:51 it actually goes beyond that. Interestingly enough, what the Democrats are proposing is, first of all, they're proposing capital gains rates at ordinary income rates. So they're proposing doubling the capital gains rate. That's actually as important as anything else. The second thing is, they're proposing capital gains on gifts. So if you give it, if you give your business to your child, you have a capital gains ordinary income rates. They're proposing capital gains when you die. So not only an estate tax, but also a capital gains tax. So then you get taxed twice when you die. So about 80 to 90% of your estate goes to the government when you die. If you're a business owner, as an example, then they're proposing eliminating the 1031 exchange, which would mean that on a trade of real estate, you'd have a capital gains tax at ordinary income rates. Then they're talking about this unrealized capital gains so if you do nothing but build your business or your real estate, the increase in value is subject to capital gains taxes at ordinary income rates. Now you know their proposal is, we have this tax. Tax when you're over $100 million that is not seem to be in the news feeds right now, but that's what it is. They call it the billionaires tax, and they're calling it an alternative minimum tax on billionaires. But clearly, 100 million is not a billion. That's only a 10th of a billion. And the biggest issue, of course, is if you tax unrealized gains at 100 million, soon you're going to tax them at 10 million, then it's going to be 1 million. Because history. That's the history of our tax law. The history of our tax law. Remember, in 1913 when we passed the 16th Amendment, it was passed because it was only a tax on the rich, right? It would never have passed if it was going to be a tax on the average person. And yet it passed. Because great, we're okay taxing somebody else, as long as it's not our tax. We're okay taxing somebody else. That's pretty much what's going on with this unrealized gains tax is, oh, well, it's on somebody else and they have enough money. It's no big deal. Therefore, I'm okay with that, because why shouldn't they pay more tax? That is what this is about. The challenge is, is, as we saw with the income tax, eventually it will reach the average person, or at least the average entrepreneur, real estate investor. Because think also, let's say that you build your wealth in real estate, and then when you retire, you say, Well, look, I don't want to be doing active real estate anymore. I'm going to trade my single family homes or my apartment building. I'm going to trade for a Walgreens a triple net lease, well under their proposal, that would be taxed because, again, no 1031 exchanges over $500,000 so that means that if you accumulate your wealth through business or real estate, you pay a much higher tax rate than if you accumulate your wealth by investing in Wall Street through a 401k because if you invest in Wall Street through a 401K, you only have to pay tax as you pull that out, you're not going to be paying tax on the value. Now that's assuming that they don't tax the increase in value of your 401K, which is also obviously a possibility. Interesting enough people talk a lot about the constitutionality of this. The challenge with that is that we already have taxes unrealized gains. If you're a dealer in stocks, in securities you do mark to market, that is meaning that you're going to pay tax on unrealized gains. And so there is actually precedent for this, and that's the scary thing, is that they could point to that precedent and say, Well, wait a minute, it's just an income tax, it's not a wealth tax, that's what they're going to say. They're going to say it's an income tax, not a wealth tax, because it's on appreciation, and appreciation is income. That's how they're going to go down this road. Will it start at $100 million Absolutely, that's where it will start. Will it then drift down? Who knows? But likely that's the history of our tax system. Yeah. I mean, we've talked before about the phenomenon of the camel getting its nose under the tent. However, in this case, I didn't realize there's already precedent for unrealized gains, in a sense, as potentially, if this is approved for those with $100 million net worth, and in next it's 10 million net worth, $1 million net worth and so on, like you described there, when you talk about capital gains tax rates being stepped up so that they're at ordinary income tax rates. It's actually somewhat of an interesting philosophical discussion, in a way. It sort of makes sense that a person's gains from investment could or should be taxed at the same rate as one's income when they go to their day job. However, why don't we do that by lowering income taxes rather than doubling capital gains? Wait a minute, no, because it's a double tax. Let's say that you're a business owner. Why does your business increase in value? Well, because you're making income, but you're already being taxed on that income. It's called income tax. What we do in this country, which a lot of countries don't do, by the way, is we tax it a second time. We call that a capital gains tax or a dividends tax. We tax it twice now. Now we're going to have that second tax at the same rate of the original tax. So if you think about it, you're being taxed on the same income twice because it's your income that determines your value, so you're being taxed twice. It's really not the same. It's fine if you're invested in the stock market, and that's where your capital gains are. That's a hard one to argue too much, although it does take liquidity out of the market, because the problem with capital gains tax is being taxed over 28% it's about 28% is that you actually lower the contribution to the Treasury because there will be fewer capital gains. There will be so many fewer capital gains that you actually lose money. The Tax Foundation, taxfoundation.org, I'd refer people to, has done lots of studies on this, and it's very clear. Here that high capital gains rates actually reduce the amount of money that comes to the government. So this is purely political. This has nothing to do with let's generate more revenue, one of the challenges so you have to score this, right? So that means that you're scoring what's the revenue that's going to be produced? You have two types of scoring. One is called static scoring. The other is called dynamic scoring. Static scoring means that we're going to look at the capital gains we already have, and we're just going to, if we double the rate, we're going to double the revenue. So that's assuming that we're going to have the same number and amounts of capital gains as we add at the lower rates, right? Dynamic scoring means that we're going to take into account how people behave motivationally when you double the tax rate. Yeah. Well, let me give you an example. So I'm a business owner. My wealth is in my business primarily. Do you think, really, I'm going to sell that business and take the capital gains immediately and be done with it? But if I have a high capital gains rate, I'm going to sell this over 20 years. So I'm actually going to defer my capital gains as long as I can, because I don't want to pay those high capital gains rates. So that means less money to the government. That's what it means. So it actually reduces on a dynamic scoring if you look at truly how people behave and have behaved in the past. So this isn't a new thing, right? We've had high capital gains rates before. It's not like we don't know. It's not like we haven't seen this before. It's that, for whatever reason, politically, they've decided that, wait a minute, the rich are out of favor. We need to tax the rich more. That's a very popular line, and therefore this is a way to do that, even though it by all calculations that are dynamic, it would actually reduce the amount of funds that come to the Treasury.   Keith Weinhold  22:00 That does make sense about the double taxation. Case in point, with an apartment building, if you increase its noi, you have more income than pay tax that if you increase the noi, therefore you've increased the value of the building. Consequently, the capital gains tax that you might have to pay down the road Tom, maybe current capital gains tax are higher than I thought, is the 28% capital gains tax. Number You mentioned, current or proposed. What is that?   Tom Wheelwright  22:24 Well, right now we have a 24% capital gains tax, okay, we have 20% pure capital gains tax, plus we have a 3.8% net investment income tax. Doesn't apply right now if you're a real estate professional, but applies to everybody else under the Harris proposal formally adopted Biden's plan under the Harris proposal, then you would get a actually 39.6% rate, plus 5% net investment income tax, regardless of whether you're your real estate Professional. So that is 44.6% that's the 45% the 28% number I threw out is that's the number the Tax Foundation says is the maximum you can raise it to without losing revenue.   Keith Weinhold  23:11 That puts things into perspective, as real estate investors, for a long time, we've appreciated substantial tax shelters. What are they being the 1031, tax deferred exchange, like you mentioned, that's been around for more than 100 years. Does that have any realistic shot of being shot down? Of course, Trump shot down substantial parts of the 1031 outside of strict real estate investing.   Tom Wheelwright  23:32 He did, and he actually set the precedent for eliminating it. So by doing that, because he eliminated it on everything except real property, right? I mean, actually, and even before that, there was a time, and there's still ways you can do it with paper assets. But it's not a 1031 exchange. So 1031 exchange has it evolved. It's gotten it's shrunk. It keeps shrinking. Even three or four years ago, no realistic possibility of eliminating 1031 exchange. The challenge, of course, is it would have an impact on the liquidity of the market. However, big deals never do 1031 exchange. Ever you don't see big multifamily developments sold in 1031s. The only time you see that happen is when they've used the Delaware statutory trust. And then you've got some of the investors who use it. And some of them who don't, you can do that in the Delaware statutory trust, but the regular developers, I haven't seen a 1031 done by a syndicator in years. So could they eliminate? Yeah, they could.   Keith Weinhold  24:33 yeah, that would be concerning. Are there any other presidential hopeful proposals that have to do with taxes that are germane, and our audience should know about?   Tom Wheelwright  24:41 my heavens. So the Democrats want to raise taxes by $5 trillion they want those taxes to all be on investors. And the reason I say that is because typically, people who make less than $400,000 which is their threshold, are not major investors. Most of their money goes to spending. Money. If you're making under $400,000 you can easily spend $400,000 a year. Oh, yeah, okay, that's not that hard, especially in today's world. It's a transfer from high net worth individuals who invest their money in long term projects like real estate, like energy, like business, and it's going to be a transfer to people who spend the money and they're going to spend it, my prediction is that if the Democrats get their way, we enter into a long term period of stagflation, high unemployment and high inflation. Because if you transfer $5 trillion from people who aren't spending it in the first place to be able who do spend it. You've got $5 trillion of new money going into the marketplace. Now it could depress asset values. So that could be good for investors, okay? Because you don't have as much cash available to the I'll call it the investor class, to go into real estate. If that's the case, then you have $5 trillion less, right? I mean, it's not a huge portion of the market, but it's big enough. If you take $5 trillion out of investment capital, then that would put a downward pressure on asset prices, which would include real estate.   Keith Weinhold  25:29 we're talking about potential changes to the tax code. It's always a germane discussion, because taxes are the biggest expense in your life. We're talking with Tom wheelwright. We come back, we're going to talk about the real estate tax laws as they are now, for example, how your rent income is taxed differently than your job income, and also, what are taxes like on sports, gambling. You're listening to get rich Education. I'm your host. Keith Weinhold.   Keith Weinhold  26:45 hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Caeli Ridge personally. Start Now while it's on your mind at Ridgelendinggroup.com that's Ridgelendinggroup.com   Keith Weinhold  27:16 you your bank is getting rich off of you. The national average bank account pays less than 1% on your savings. If your money isn't making 4% you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to an 8% return with compound interest, year in and year out. Instead of earning less than 1% sitting in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And I would know, because I'm an investor too. Earn 8% hundreds of others are. Text FAMILY  to 66866, learn more about Freedom Family investments Liquidity Fund on your journey to financial freedom through passive income. Text FAMILY to 66866.     Blair Singer  28:29 this is Rich Dad, sales advisor, Blair singer. Listen to get rich education with Keith Weinhold. And above all, Don't Quit Your Daydream.   Keith Weinhold  28:48 welcome back to get rich education. We're talking with tax pro Tom wheelwright. He's been talking to us about some of the proposals that presidential candidates have here in a campaign season, and whether these things become true or not. Sometimes it seems like just the fact that they're proposing. They're proposed, or if they get instituted at a small level years down the road, it can blow up into something bigger. So Tom tell us more about some of the proposals that are on the table.   Tom Wheelwright  29:12 So we talked about the democratic proposals, which also include things like a $6,000 tax credit for babies. It also includes an enhanced Child Tax Credit. Also includes some other there's lots of provisions in there, right? So it's a transfer. It's just a transfer of money from one group of people to another group of people. On the Republican side, we haven't talked about that now they want to extend the 2017 act. They've been very clear, that's what they want to do, which is an estimate $4 trillion so the other direction. So basically, you're talking about a $9 trillion swing between the two parties. We've never seen this before, ever in a presidential election. Now, that big of a difference, one major tax increase, one party proposing major. Tax increases, the other proposing major tax decreases in the same election. It's something that I'm glad people are paying attention to, because it's a little overdue in this election cycle. Because really, when you talk about policy, that's probably the biggest policy difference between the two parties.   Keith Weinhold  30:18 Now one thing we've learned over time from talking with you is these presidential wish lists, if you want to call them that. Well, these tax changes are things that require congressional approval, and we have a divided Congress currently. So what do you think the prospects are of really any of these things becoming new law?   Tom Wheelwright  30:36 First of all, remember, most of the 2017 act expires at the end of 2025 so something will have to be done next year. They don't have a choice, either that or is just expires, and then we're back to what we had. We have smaller standard deductions, we have alternative minimum tax again. We get a deduction for state income taxes, right? That comes back the one. We lose our 20% Small Business deduction, the only thing that stays permanent is the corporate income tax rate that was permanent in the original bill. So there is going to be something, you're right, if there is a divided Congress, and I say that if, because if one party sweeps, then, especially on the Democratic side, the Republicans don't seem to be as cohesive as the Democrats are on these things. And if the Democrats sweep, I would say, remember, we don't have Kyrsten Sinema, we don't have Joe Manchin from happening. And so would the Democrats sweep all these through, not all of them, but you're going to see a major tax increase for sure, on the Republican side, would you see the 2017 act extended? You'll probably see it, but you're right that otherwise, if it's a divided Congress, we're going to have something in between. We thought we would get a divided Congress in 2020 though, remember and we didn't. So I would not count on a divided Congress   Keith Weinhold  31:59 erstwhile 2017 Trump tax cuts in JOBS Act brought the highest marginal income tax bracket from 39.6% under Obama down to 37% as I remember it. Some thought Biden would take it back up to 39.6 but he hasn't and it's just stated 37 All right, so if Republicans stayed in power, presumably that 37% would go ahead and carry on. That's what we think about as our w2 income. Tom, why don't we talk about the taxes that actually exist today? I think a lot of real estate investors just don't understand the difference between how your w2 job income is taxed versus your taxes on real estate rent. Can you talk to us about that?   Tom Wheelwright  32:42 The reason it's confusing is because they're both considered ordinary income, right? The difference is, is that one is business income and one is non business income. Your wages are non business income. You don't get deductions against non business income, but you do get deductions against business income. So your rental income is considered business income for purposes of the Internal Revenue Code. What that means is you get deductions for taxes. You get deductions for interest, you get deductions for maintenance, you get deductions for depreciation. That's why, when you have your income from your rentals. Typically taxed much lower than your income from your salary, because you get no deductions against your salary like you do against the rentals.   Keith Weinhold  33:30 Maybe it would help to introduce an example here. I don't know if this will complicate things too much or not. If a real estate investor has, say, a single family rental property with $2,000 of rent, income, $1,000 mortgage, $800 in operating expenses. How is that tax that leaves them with $200 of cash flow?   Tom Wheelwright  33:50 You have $200 of cash flow, but then you probably have depreciation on top of that, which is a non cash deduction. And so let's say your depreciation is $500 that means you actually have a $300 loss that, in many cases, you can use to offset income from your w2 so you actually have a negative tax rate. In other words, you're making money from taxes. So actually, is that an increase to your cash flow? So it's a way to think of it is, I have $200 of cash flow from my tenant, if I have a $300 loss for tax purposes, let's say I'm in a 33% tax bracket. I have $100 of income from the government. So that means my cash flow is really after tax. Cash flow is $300 not $200 whereas if you have the same $200 of income from your wages. Let's say you have just the net, right? Let's start with the net. You have $200 well, you're going to be taxed. And let's say that again, your 33% tax rate, that means you're after tax, right, is going to be roughly $125,000 okay, under $30 so $130 we're. $300 so it's like twice as much. In fact, all of that difference is because of the tax law.   Keith Weinhold  35:06 Gosh, that was a great breakdown. I'm really glad that I introduced that example, $2,000 in rent, minus $1,000 for the mortgage, at $800 in operating expenses, again, leaving you with $200 in cash flow with that example. There's probably more going on here with taxes. Because, of course, with that $1,000 mortgage amount, some is going to be principal, some is going to be interest. In part of that interest can be tax deductible.   Tom Wheelwright  35:31 I'm assuming it's all interest, because if it were not, we'd have a higher taxable income. Remember, your principal payment is not deductible. So in your example, I was assuming that the $1,000 mortgage payment was all interest. If it was only $800 then you'd have $400 of income before depreciation. You don't have $100 loss, because, remember, your principal's not deductible, so therefore you have to add that back into your taxable income.   Keith Weinhold  35:58 Will you talk to us about how to apply depreciation to this income versus expenses. Example, is there anything else you can speak to when it comes to that $800 of operating expenses in this example, and those expenses include things like property insurance, property tax itself, maintenance repairs and utilities.   Tom Wheelwright  36:19 Right but also, for example, you might run your rental real estate business out of a home office in your home so you could have a home office deduction. You might have your use your car for the rental purposes, and then you get a deduction for your car. So there are additional expenses that aren't even in that $800 that you could pick up that would not otherwise you'd never get a deduction, and you're really not spending any more money. You're just using it for business, and therefore getting a business deduction. So it's really all about what do I get to deduct? Remember that if you own a home for yourself, you don't get to really deduct the taxes. You have a limit on how much you can deduct. So taxes are limited in deduction. Mortgage Interest may or may not be limited. Remember also that if you have a mortgage, you're limited to how much a $750,000 mortgage being deductible, whereas if you it's a rental property, it could be a seven and a half million dollar and mortgage, and you still get the deduction, so you're not limited like you are. On top of that, again, it's a business, so let's say that you put solar panels on your personal home, you'd get a 30% tax credit, but you'd get no depreciation deduction. If you put solar panels on your rental house, you get the same 30% tax credit, but now you also get a depreciation deduction of probably another 30 $40,000 in the first year. So there's always more deductions in a business setting than a personal setting.   Keith Weinhold  37:56 Well, real estate has been around a really long time. Often laugh when people talk about non conventional investments and put real estate investing in their real estate's about the most conventional investment that we can possibly think of. It's been around a long time. We think about a newer thing that people do with their money, but I sure don't call it investing. That's sports gambling, and it's something that you and I haven't talked about before. Here Tom in 2018 the Supreme Court opened the way for states to legalize sports gambling, and at last check, 38 states, plus DC and Puerto Rico have legalized at least some form of sports gambling. So now it's a more germane conversation for you and I to have than it was a few years ago. Can you tell us about sports gambling, taxes and how it's treated.   Tom Wheelwright  38:41 So remember, all income is taxable. So that includes gambling winnings. They are taxable. In fact, you'll get a 1099 just like you would if you rendered services, you'd get a 1099 or you have interest income, you get 1099 you get 1099 from gambling. What you actually have to show is that you actually have gambling losses. So you have to track those gambling losses to show the IRS that you got gambling losses. But your gambling losses can never be more than your gambling winnings. You never get to generate a tax loss on gambling. What that means is, is that if you win $10,000 during the year, and you can prove that you lost $8,000 during the year, you're going to be taxed on $2,000 but if you can't prove the 8000 you're going to be taxed on 10,000   Keith Weinhold  39:33 so you the gambler, have the burden of tracking this, and I guess tracking your losses. I'm not a gambler. How would one track their losses?   Tom Wheelwright  39:42 I would keep detail ledger. Personally, I probably have a separate bank account just for gambling. Gosh, I'm not a gambler either, so that's what I would do. I would have a bank account just for gambling, by the way. It's also a good way to budget your gambling so they, you know, get in trouble, right? So just set up a separate bank account. Don't put whatever money you say, I'm comfortable with this money, I'm going to gamble with this money put in that bank account, and then you have a ledger that shows the money that went in and the money you lost, the money you won, and don't do anything but gambling in that bank account.   Keith Weinhold  40:15 Hey, that separate account's a great way to hide it from your spouse, not that I'm suggesting. Not bad.   Tom Wheelwright  40:22 Interesting. You went there.   Keith Weinhold  40:23 I'm not a gambler at all. Can't even believe I was thinking that far ahead. What are the gambling tax rates like?   Tom Wheelwright  40:31 They're ordinary income tax rate. So gambling winnings are just ordinary income. They're the same as your wages. They don't have social security taxes their income, just like any other kind of income, nothing special. And this all applies to whether it's sports gambling or general gambling, like lotteries and sweepstakes?  Just remember, all incomes taxable unless the government says it isn't all income, okay? And then there's some types of income that are taxed at special rates, like capital gains, but gambling has no special rates. By the way, gold also has special rate for when you sell gold, it has its own tax rate. Gambling has no special tax rate, so it's just your ordinary income rates.   Keith Weinhold  41:11 To me, it seems like it's hard to break even with gambling over time, and then when you take the tax adjusted earnings that you get from it, you know, over the long term. I just don't think Harris and Bally's Casino is really incentivized to inform gamblers on how punitive this can be with ordinary income tax rates applied to gambling winnings.   Tom Wheelwright  41:30 No, but they will send you your 10909g I guarantee that, that's for sure.   Keith Weinhold  41:34 Well, Tom has helped business owners and real estate investors permanently reduce their taxes. He does it like virtually no one else in the world does by keeping it simple, by helping you find deductions that other CPAs can't do. You can learn more about how Tom and his team can actually help you. You can get a free consultation. You can do that at getricheducation.com/tax. And Tom tell us more about the importance of a business owner or a real estate investor or anybody else really being connected with the right kind of tax professional that can permanently reduce your taxes.   Tom Wheelwright  42:12 So remember that if you want to change your tax, you have to change your facts. It's that simple. What you have to do is you need to know what facts you need to change. That's where a good tax advisor comes in. Is what facts do you need to change in order to change your tax now good news is, wrote tax through wealth. So you got an idea of what that is, but the tax law is very detailed. You must dot your i's cross your t's, so to speak, so that you make sure that you meet all of the rules, such as documentation, for example, for your business expenses. When you do that, you're going to get a better tax result, especially if your tax advisor is also preparing your tax return. Because really, your tax return is just part just how you implement your tax strategy, right? That's how you do it. So we launched, just recently, a franchise of tax advisors, and now we actually have much, really good control, quality control with our tax advisors, and they use our software system. It's very important that you have somebody, if not us, find somebody who you know you can actually give tax free wealth too, and say what cares make sure that we're doing it this way. But if the easy button is really the getricheducation.com/tax.   Keith Weinhold  43:27 Tom Wheelwright,  It's been valuable as always. Thanks so much for coming back onto the show.   Tom Wheelwright  43:33 Thanks, Keith.   Keith Weinhold  43:40 Yeah, key insights from Tom as always, taxes are complicated. Tom's Network helps sort it out for you. We've already covered a lot of ground on this week's episode with raw land values as built, proposed tax plans and how to reduce your tax burden within the existing tax system. Tom and I talked, and he will be back yet again with us later this year for more tax wizardry. Now, just recently here, Kamala Harris proposed a smaller capital gains tax hike than Biden. She's starting to put sort of her own policy spin on things, breaking with the President on the size of a proposed increase on the capital gains tax rate that is a 28% top tax rate when investments are sold for those that make a million dollars plus. So that's more than the current 23.8% top rate, but less than the 39.6% rate that Biden had supported all income is taxable. Therefore it is axiomatic that the fastest way to increase your ROI is to work with a tax advisor that can find you all of the biggest deductions right away. You can read Tom's book Tax Free Wealth, get a good system of documentation going and get connected with Tom's team. At the end of an episode at times, I like to leave you with the most actionable resource on the topic that we covered. You can schedule a free call to see how Tom's team can help you out. At getricheducation.com/tax. That's getricheducation.com/tax. Until next week. I'm your host. Keith Weinhold, Don't Quit Your Daydream. 45:33 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  46:01 The preceding program was brought to you by your home for wealth, building, getricheducation.com.  

Energiearbeit für Unternehmer: Vom Heiler und Therapeuten zum Business Coach Oliver Wachter hilft Unternehmern und ihren Unternehmen. Zuerst wird der Unternehmer als Mensch analysiert und mit Klassischer Homöopathie, Coaching, Counseling und Energiearbeit in seine beste Form gebracht. Zum Heilen gibt es bei jedem etwas, meist fehlt nur der Zugang zu den eigenen "Baustellen". Wenn der Mensch nach diesen Behandlungen besseren Zugang zu sich selber hat, kann er auf gutgestellte Fragen selbst seine besten Antworten geben, ohne irgendwelchen Fremdbestimmungen des Elternhauses oder der Gesellschaft zu folgen. Energiearbeit: Der Zugang zu deinem Dharma und deiner Bestimmung Was ist mein Dharma, meine Bestimmung, was ist meine Fähigkeit, was kann ich der Gesellschaft Gutes tun? Freude und Erfolg kommen, wenn man aufhört, nur an sich zu denken, sondern versteht, dass wir alle irgendwie miteinander verbunden sind. Was spirituell anmutet, ist auch ein Gesetz der Wirtschaft. Das Interessante an Olivers Arbeit ist, dass er nicht nur den Menschen als Energiekörper sieht und behandelt, sondern auch die Summe aller Mitarbeiter und das Unternehmen als komplexes Energiefeld. Die Verbindung von Therapie und Energiearbeit: 30 Jahre Erfahrung Oliver Wachter ist seit fast 30 Jahren Therapeut und Berater. Als Kind war er bereits der spirituellen Welt zugeneigt. Er sah und spürte Dinge, die eigentlich nicht der materiellen Welt zuzuordnen sind. Später als Physiotherapeut und Manualtherapeut hörte er oft die Frage, wo die Energie herkomme, die aus seinen Händen zu fließen scheint. Oliver folgte dieser Frage und studierte viele Jahre Osteopathie. Nicht zufrieden damit, arbeitete er mit Schamanen der Tolteken und Quechua und lernte von Geistheilern. Dank dieser jahrelangen Ausbildung konnte er diese Energie kultivieren. Energiearbeit als Schlüssel zur Heilung: Wunderbare Erfolge Techniken der Energiearbeit, Aura- und Chakraarbeit sowie systemische Aufstellungen halfen ihm intellektuell zu verstehen, was er bereits fühlte. Trotz einiger wunderartiger Erfolge dank Geistheilung blieb er immer auf dem Boden, wohlwissend, dass nicht der Heiler heilt, sondern eine höhere Macht, manche nennen sie Gott. Der Heiler dient nur als Kanal. So konnte er mit Energiearbeit einer Patientin nach Hirnblutung helfen, die wegen einseitiger Lähmung im Rollstuhl saß. Während der Behandlung spürte sie die Energie in den betroffenen Körperteilen und konnte später den Arm wieder heben und auch laufen. Ein anderer Patient hatte Phantomschmerzen im, nach Amputation, nicht mehr existierenden Bein. Durch Behandlung des immer noch vorhandenen Energiekörpers verschwanden diese Schmerzen. Energiearbeit in der Praxis: Heilung von Arthrose und mehr Genauso konnte Oliver Wachter Arthrose behandeln, indem das Chakra, der Energiewirbel, des Gelenks geheilt wurde. Materie ist verdichtete Energie und folgt dieser. Oliver Wachter war als selbständiger Physiotherapeut durchaus erfolgreich und vor allem finanziell zufrieden. Dann kündigte ihm der Praxisinhaber die Teilhaberschaft. Auch als freier Mitarbeiter hörte er von Praxisinhabern Aussagen wie: "Ich habe Angst, dass ich Patienten an Dich verliere..." Als extrem freiheitsliebender Mensch war er nur kurz angestellt, dann als freier Mitarbeiter tätig und nach diesem nächsten Schritt, Kompagnon, folgte er seinem Herzen und eröffnete endlich seine eigene Praxis als Heilpraktiker. Die Reise zur eigenen Praxis: Energiearbeit als Berufung Obwohl er teilweise in drei verschiedenen Praxen als freier Mitarbeiter gearbeitet hatte oder dann als Kompagnon, studierte er nebenbei Naturheilkunde und Klassische Homöopathie. Noch als Physiotherapeut kristallisierte sich heraus, dass die Patienten wohl wegen körperlichen Symptomen kamen, aber eigentlich seinen geistigen Rat suchten. Damals war ihm der Begriff Coaching noch nicht bekannt. Ein schamanischer Lehrer nannte ihn "Las palabras que curan" – die Worte, die heilen. Aura und Chakraarbeit: Der Weg zur Energiearbeit Während der jahrelangen Aura- und Chakraausbildung konnte man anhand der Aurafotografie sehen, dass Olivers Aura magenta wurde und ein deutlicher Trichter über dem Kopf zu sehen war. Das bedeutet, seine Stärken sind Eingebungen aus dem morphogenen Feld. Also nicht aus dem Verstand etwas sagen oder wiedergeben, sondern Wissen kommt aus dem Äther, vom Göttlichen. Warum Oliver Wachter trotz Erfolg seiner wahren Berufung folgte Immer noch weigerte sich Oliver Wachter, seiner eigentlichen Berufung zu folgen. Etwas Handfestes, Seriöses sollte es schon sein. Er lernte von T.Harv Eker, Blair Singer, Anthony Robbins, Damian Richter und anderen Coaches, um zu wissen, dass er anders arbeiten möchte. Man kann seiner Bestimmung ausweichen, dann kommt sie mit noch mehr Kraft. In den Jahren 2006 und 2007 traf Oliver einen gottrealisierten Meister – Paramahamsa Vishwananda. Als Freigeist weit davon entfernt, einem Guru zu folgen, verlor er den Kontakt, um 7 Jahre später "zufällig" durch Heirat in die Nähe seines Ashrams zu ziehen. Energiearbeit und spirituelle Führung: Die Bedeutung von Paramahamsa Vishwananda Nochmals 8 Jahre dauerte es, bis er durch weitere Fügungen des Schicksals zu ihm geführt wurde, und ihm seitdem als Schüler folgt. Paramahamsa Vishwananda gilt als einer von 5 weltweit existierenden Sathgurus, also gottrealisierte Meister mit göttlichen Aspekten. Bei einer Pilgerreise nach Indien meinte der Meister, Oliver solle sich auf Geschäftsberatung und Coaching konzentrieren. Somit besuchte er eine Schule für Business Coaching (IHK) und ist seit diesem Jahr, von der IHK anerkannter, Business Coach. Dein größter Fehler als Unternehmer?  Es gibt keine Fehler. Alles läuft nach Gottes Plan. Das Ziel ist, mit Demut sein Ego aufzulösen und so in Verbindung mit dem Göttlichen zu treten. Manche brauchen mehr Niederschläge und Niederlagen, um das Ego aufzulösen und die Kontrolle loszulassen und sich von Gott, Universum, der göttlichen Energie führen zu lassen. Viele Menschen arbeiten aus egoistischen Motiven, um dieses oder jenes Bedürfnis zu erfüllen, merken aber nicht, dass echte Zufriedenheit ausbleibt. Oft ist Existenzangst eine treibende Kraft. Wenn man den Zugang zu seiner Göttlichkeit in sich, in allem und außerhalb davon spüren lernt, dann geht man mit vollem Vertrauen ins Unbekannte und wird vom Göttlichen unterstützt. Somit wäre Angst und mangelndes Vertrauen ein "Fehler". Aber jeder hat andere Herausforderungen in seinem eigenen, ganz speziellen Leben. Spiritueller Erfolg durch Energiearbeit: Der Weg zum Wohl aller Es gibt eine schöne hinduistische Geschichte, wo ein Heiliger Gott bittet, ihn mit vielen Problemen zu belasten, damit er immer an ihn denken möge. Für mich ist Erfolg, zum Wohle aller zu handeln, um so Gott zu dienen.     Deine Lieblings-Internet-Ressource?: Youtube statt TV, gezielt Satsangs von Bhakti Marga, der Organisation von Paramahamsa Vishwananda. Informationen, die gut tun. Nicht Angst aufbauen. Website bhaktimarga.org Chat GPT   Deine beste Buchempfehlung: Buchtitel 1: Just Love: A journey into the heart of god; Paramahamsa Vishwananda Buchtitel 2: Autobiographie eines Yogi; Paramahamsa Yogananda Kontaktdaten des Interviewpartners: www.oliverwachter.de oliverwachter@web.de 0049-171-475 7214   Und denk immer daran: Wer will, findet Wege. Wer nicht will, findet Gründe. Tschüss, mach's gut. Dein Tom.             Hol Dir jetzt Dein Hörbuch "Selfmade Millionäre packen aus" und klicke auf das Bild!                 Buchempfehlung bei Amazon: Denken Sie wie Ihre Kunden   +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Mehr Freiheit, mehr Geld und mehr Spaß mit DEINEM eigenen Podcast. Erfahre jetzt, warum es auch für Dich Sinn macht, Deinen eigenen Podcast zu starten. Jetzt hier zum kostenlosen Podcast-Workshop anmelden: https://Podcastkurs.com +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++   So fing alles an. Hier geht´s zur allerersten Episode von TomsTalkTime.com – DER Erfolgspodcast. Und ja, der Qualitätsunterschied sollte zu hören sein. Aber hey, das war 2012…

My guest this week is my mentor, my teacher, and my friend. He has trained hundreds of thousands of people around the world, and is a best selling author. He is a huge role model in my life - Blair Singer!Blair describes meeting Chris, and how Chris was a little skeptical about the training, and how quickly Chris changed his tuneWe don't have to listen to the chatter in our mind telling us we can't do something. There are proven techniques that help tame that little voice A favorite quote of Blair's: “We have a societal responsibility to teach; otherwise we won't move ahead” The value of sharing your failures with your audience⭐️⭐️⭐️ Check out more episodes and the videos at https://chrisbaran.com/podcast ⭐️ Join our FREE Facebook community for Salon Team Trainers today. https://facebook.com/groups/salonteamtraining ✅ Exclusive content on how to implement and scale your salon training the easy way ✅ Save time and learn what works from people just like you ✅ Get back to your mission of building the salon business and creating more jobs Learn more here - https://bit.ly/trainersplaybook Join our FB group - https://facebook.com/groups/salonteamtraining Follow us on IG - https://instagram.com/coachchrisbaran

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Has America already descended into a depression worse than the 1930s Great Depression? Today's guest, Doug Casey, suggests that we have. He joins us from Buenos Aires, Argentina, where inflation has been 100%+. Is real estate cheap, adequately priced, or overpriced? America's national debt is so bad that we must now spend $1T annually just on the interest alone.  Keith Weinhold and guest Doug Casey explore the silent economic depression in America, discussing signs and impacts on daily life.  They compare real estate affordability across locations, viewing housing as a consumer good. Doug offers insights on Argentina's housing market, inflation, and the new president's influence.  They critique government intervention, fiat currency, and advocate for gold-backed currency, emphasizing moral values.  Strategies to counter currency debasement, like investing in durable goods and property improvements, are shared, alongside the benefits of spending on experiences and potential tax advantages of real assets. Timestamps: The silent economic depression (00:00:00) Discussion on the concept of a silent economic depression and how it may be affecting America. Real estate and property management issues (00:02:32) An unusual property management incident and the impact of inflation on real estate in Argentina. The guest's background and consistency (00:03:53) The guest's background, consistency in views, and a discussion on diverse viewpoints. Comparison of housing costs (00:04:59) Comparison of housing costs and other expenses between the Great Depression era and the present day. Real estate in the United States and Argentina (00:06:08) Comparison of real estate prices and living expenses in the United States and Argentina. Housing as a consumer good (00:09:29) Discussion on housing as a consumer good and the impact of government policies on housing and wealth creation. Comparison of housing costs and amenities (00:10:56) Comparison of housing costs, amenities, and political changes in Argentina. Impact of inflation on standard of living (00:14:37) The impact of inflation on capital, standard of living, and the unsustainability of the current economic situation. Government deficits and inflation (00:18:05) Discussion on government deficits, inflation, erosion of the middle class, and the role of the government in creating inflation. A Currency and Gold (00:20:22) Doug Casey discusses the benefits of using gold as currency and the potential impact of government involvement. Investing and Loans (00:22:42) Keith discusses investing in real estate and loans, providing insights and tips for beginners and veterans. Government Numbers and Inflation (00:24:54) Doug challenges the accuracy of government unemployment and inflation figures and predicts higher inflation levels due to excessive money creation. US Involvement and Financial Meltdown (00:27:57) Doug discusses the impact of US military involvement, potential financial meltdown, and the unstable foundation of global debt. Strategies to Counter Currency Debasement (00:32:05) Doug presents the concept of saving in durable goods as a strategy to counter currency debasement and avoid capital gains tax. Beating Inflation (00:34:41) Keith proposes spending money as a way to beat inflation and improve quality of life, while Doug emphasizes the importance of saving for the future. Doug Casey's Novels and Publications (00:36:44) Doug promotes his novels and encourages listeners to subscribe to internationalman.com and watch his YouTube channel for more insights. Improving Quality of Life and Beating Inflation (00:38:03) Keith suggests making improvements to one's home as a way to beat inflation and improve quality of life, without incurring higher tax assessments. These are the timestamps covered in the podcast episode transcription segment, along with their respective topics. Resources mentioned: Show Page: GetRichEducation.com/485 Doug Casey's YouTube Channel: https://www.youtube.com/@DougCaseysTake Doug Casey's blog: InternationalMan.com Doug Casey on Donahue in 1980: https://youtu.be/uAk6_74m_kI?si=qeQw0404xcTIAsOU For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Keith Weinhold (00:00:00) - Welcome to GRE. I'm your host, Keith Weinhold. Is America suffering from a silent economic depression? It's gradually creeping into your life, but you just haven't noticed. That's what today's guest believes. Where do you look for signs of this? And what do you do about it? A silent depression today on get rich education. If you like the get Rich education podcast, you're going to love art. Don't quit your day dream newsletter. No, I here I write every word of the letter myself. It wires your mind for wealth. It helps you make money in your sleep and updates you on vital real estate investing trends. It's free! Sign up a get rich education.com/letter. It's real content that makes a real difference in your life, spiced with a dash of humor. Rather than living below your means, learn how to grow your means right now. You can also easily get the letter by texting gray to 66866. Text gray to 66866.   Speaker 2 (00:01:06) - You're listening to the show that has created more financial freedom than nearly any show in the world.   Speaker 2 (00:01:13) - This is get rich education.   Keith Weinhold (00:01:22) - Welcome to GRE, heard across 188 world nations, including Equatorial Guinea. I'm your host, Keith Weinhold. This is get rich education, the voice of real estate investing since 2014. How can your quality of life and your one and only standard of living actually be getting worse today, especially here in the United States? From your iPhone, with fast Wi-Fi to a stable electrical grid to a bounty of produce for you to select at the supermarket, well, we'll soon learn why today's renowned guest and prolific author feels like we've already entered a silent depression. He is going to make his case. We have plenty to get to with our guest. But first, I've got a problem with one of my property managers, and this is a really weird one. In two decades of doing this. This is among the weirdest. What happened a while back is that one of my ten ends that this manager manages. Okay, the tenant paid his rent with a paper money order and he placed it in the property managers drop box.   Keith Weinhold (00:02:32) - They're at their offices. The money order was stolen out of the drop box by a thief. The manager doesn't want to take responsibility for it. And I'm the one that's been out. The rent money, the $1,550. I've told the manager, no, I'm not going to be pushed around like that. So there are more details on that, which I expect to tell you about next week. It is an interesting situation to say the least. I'll give you more on the payment stolen from the manager's overnight drop box. Now today's guest will join me from Buenos Aires, Argentina, where they currently have inflation of perhaps 100% or 200% per year. We're going to talk about real estate and probably more with what he calls the silent, depressed. Now I'm probably a more upbeat, optimistic sort than our guest in general, but that does not make him wrong at all with this silent depression. But here, in a world where we've increasingly heard the word diversity a lot for the last decade, well, there are a lot of ways to think of diversity, and I like to champion some diversity of thought around here with our guests viewpoint today.   Keith Weinhold (00:03:53) - Now, I just recently saw a YouTube video of today's guest on The Phil Donahue Show in 1980. It was probably about the best known talk show that there was back in that era. And by the way, I'll leave that link in the show notes for you so that you can watch it too. And since today's episode is episode number 485, you can get the show notes either it get Rich education comp 485 or on your pod catcher. But yeah, Phil Donahue, he was kind of before my time. But yeah, really well-known show. And it's interesting to see today's guest and what he looked like back then. And from watching that video myself, I can tell you that one place where I do need to give this guest credit is with consistency. Now, does every single the world is going to end sort of thing that he says will happen? Does that end up happening? That's up for you to determine. But, you know, he has been consistent on promoting his ideals for a smaller government and more he's returning.   Keith Weinhold (00:04:59) - Guest. Let's meet him and discuss the silent depression. Are we on the verge of an economic depression known as a silent depression, where you're not aware of it? Today's guest has pointed out that during the 1930s Great Depression, the average home cost just three times the average income, but today it costs about eight times as much. The average car costs about 46% of a year's earnings back then. Today, it eats up about 85% of the annual average wage. Rent, which previously claimed just 16% of yearly income, now demands an astounding 42%. So by these metrics and others, you might wonder if the average person is actually in a worse position than during the Great Depression, which was the most challenging economic period in the last hundred years. A lot of people feel it. You might be getting squeezed, and by the end here you'll hear some new ideas for what you can actually do about it. We have a rather revered guest here with us today. He's been here a few times before to discuss other economic and real estate concepts.   Keith Weinhold (00:06:08) - He's a very popular author, often writing around the topic of crisis investing and known as the International Man. He hosts a podcast on YouTube called Doug Castaic. He's known as the International Man because he's extremely well traveled. He has residences in multiple nations today. Hey, it's great to have back on GRI the incomparable Doug Casey. Thanks. Okay.   Doug Casey (00:06:30) - It's a pleasure to be here. At the moment I'm in Buenos Aires, where I've lived part of the Earth for a long time.   Keith Weinhold (00:06:38) - Truly the international man living up to it today. Doug, I touched on housing to start with. With real estate show housing is one's biggest recurring expense in life, unless it's taxes. But today I actually think it's a valid question. Is real estate cheap in the United States? Is it adequately priced or is it overpriced? Now, depending on how you slice it, the median U.S. home value is 450 K, but if your mind shoots right to dollars like that, when you consider valuation, the dollar has been debased so much that it's a pretty poor measuring stick.   Keith Weinhold (00:07:15) - I know you like gold. A bar of gold is the same today as it was 100 years ago and a thousand years ago, and today it takes about 40% fewer ounces of gold to buy a home today than the long run 100 year average. So what we just did there is we got rid of dollars. We compared the relative cost between two real assets gold and real estate. You brought up a really good point in one of your articles, though. I think it's a better way to measure the cost of housing as a percent of one income, it takes two and a half times to three times as much of that annual income to own a home or rent a home today than it did in the 1930s. So when we think about housing costs, what are your thoughts?   Doug Casey (00:07:58) - It depends on where you are and where should I start? Right now, as I said, I'm in Buenos Aires and the apartment that I'm in here is about 5500ft² in a part of town, which is very much like the Upper East Side of New York.   Doug Casey (00:08:16) - It's called the Recoleta. Now, what would a a very classy top building with 24 hour security apartment of 5500ft² cost you in, uh, on the Upper East Side of New York, I'd say probably $20 million, roughly here in the Buenos Aires. This apartment is really got a current market price of about $1 million. In other words, 5% of what it is in New York. Yeah, costs of maintaining it are in line with that. That's point number one. Point number two is in most of the world, or certainly here in South America, when you buy something, you buy it for cash. In the U.S., when you buy something, it's usually for a mortgage. And the old saying, I'll give you the price you want if you give me the terms I want. Right. Not quite as attractive as it was just a while ago, where the average mortgage, now 30 year mortgage fixed in the US 7%, and for a while it was 8%. What do I think of the price of housing in the US? That's where most of your listeners live.   Doug Casey (00:09:29) - First of all, housing is not, in my opinion, an investment. It's a consumer good. It's very expensive. Consumer goods are not throwaway consumer goods like toothbrushes. Longer live consumer goods like a suit of clothes longer yet like a car and a house is just a longer alive consumer good. But an investment is something that produces new wealth, right? Housing doesn't it? Can? I mean, if you use it as a business. Yes. Okay, look, treat your house like a consumer. Good. That's the first mistake that everybody makes. They think it's an investment. That's going to go up. It's not. It's like a car. It should depreciate. It's got expenses to maintain it. That income that maintains you. I know you can rent it out and so forth, but.   Keith Weinhold (00:10:20) - Yeah, we champion residential income property around here. Something that I think you and I do consider an asset. But yeah, you're completely right. When you talk about the primary residence side, a home is primarily a liability, not an asset.   Keith Weinhold (00:10:32) - Why is that? Because a home takes money out of your pocket every month. Rather than putting money into your pocket every month like you touched on. Doug, before we go on about that 5500 square foot apartment there in Buenos Aires, I'm not familiar with the area. Can you just tell me a little bit more about the amenities that you have there? Are there very steep condo association dues? Is there a doorman? Tell me more about it.   Doug Casey (00:10:56) - Well, we have a doorman here in the building. We only have six apartments in this building. I have a two story penthouse, so it's probably the best apartment in the building. This area, the Recoleta. Like I said, it's like the Upper East Side of New York. We have lots of fine restaurants with short walk away. I pay my maid. We have a full time maid here. In addition, she earns $1,000 a month. Where can you get a full time maid in the US for a thousand bucks a month? Let me point something out.   Doug Casey (00:11:25) - That's very interesting. In Argentina, they elected a new president. And this is one of the most radical political changes in all of Western history. The new president of Argentina is a chap named Javier Mula. He identifies radically and openly as an anarcho capitalist. In other words, what he's interested in doing is basically tearing apart the government of Argentina and getting rid of as much of it as he can, all of it that we can. Now. Argentina is full of taxes, full of regulations. That's a delightful place to live. But if you want to do business or create wealth, it's a very bad place to live.   Keith Weinhold (00:12:10) - Well, with inflation.   Doug Casey (00:12:11) - Yeah, exactly. I mean, right now they have inflation of about, they say 140% per year, but it's more like 200 or 300% per year. You can trust the Argentine government's figures at all. You can only trust the US government's figures marginally more. But Melaye, as we talk, is firing massive numbers of government employees. It's eliminating agencies and so forth, and the government and the next step will be radically reduced taxes, radically reduced regulations.   Doug Casey (00:12:41) - So this department here is, I think, within the next five years, going to be selling for about what one what its sister on the Upper East Side of New York might be selling out. So I hope to make 10 to 1 on my money on this piece of real estate as a speculation. And it's a nice place to live in the meantime.   Keith Weinhold (00:13:01) - Yeah, with Malay in Argentina, it'll be interesting to see if he sticks with their currency moving from the Argentine peso to the dollar. It sounds like he might already be backing off of that. But getting back to your condo there, Doug. And yeah, that would be a terrific arbitrage play if you indeed bought low in the Buenos Aires market goes up, it sounds like an exceptional value you get there. We talk about our homes overpriced today, especially in the United States. Or are they underpriced? We talked about how one spends more of their proportion of income on housing today, and if that might make them trend toward this silent depression. But of course, you also get more home today.   Keith Weinhold (00:13:39) - I mean, 100 plus years ago in the United States, a new Victorian style home, it had sparse amenities and maybe 950ft². And today, an American home averages 2415ft². That's the figure. So you might pay two and a half times more of your income, but you might get two and a half times more square footage and of course, maybe like you're finding in your place there in Argentina, Doug, the average American home, it has features today that would have been considered unthinkable a hundred years ago. Luxuries, things that would have been considered luxuries back then like air conditioning and multiple bathrooms, quartz countertops, closets so vast that you could play pickleball inside them. So you're getting more home today, and it really hardly feels like a depression era lifestyle for many. But there are some less fortunate people, and inflation has widened this gap between the haves and the have nots. So what are your thoughts, especially when it comes to housing and the fact that you're getting more today? But not everyone is.   Doug Casey (00:14:37) - Because advances in technology, number one and number two, the fact that the average person is wired to produce more than they consume and save the difference, of course, we have more today than we did 100 years ago. That goes without saying, but it doesn't seem that way because even though workers are more productive than they were in the past, everything is fine. As with debt today, people talk about inflation as if it's just part of the cosmic firmament. It just happens. It doesn't happen. The government is the sole and entire cause of inflation. It does it by printing up money directly and indirectly. And what that does is it destroys the capital that you save. Americans save in dollars. Okay. You want to get ahead. You use more than you consume and you save the difference in dollars. But when the government destroys those dollars through inflation, your standard of living goes down. Now, that's been disguised through that. It used to be that when you bought a house, you paid cash for it.   Doug Casey (00:15:52) - Then many years ago, it started out with the. A five year mortgage with 20% down. Now we're talking about 30 year mortgages so that you really never own your home. Inflation is the real problem. It destroys capital. It destroys people's standard of living. The standard of living, generally speaking, in the US is going down. It's disguised by the fact that when you borrow money, you're either taking capital that people have saved in the past and you're using it for consumer goods now, or you're mortgaging your future for a higher standard of living. Today, all of that we have in the US, I think is unsustainable. And we could have either a credit collapse if they don't create money fast enough, or if they raise interest rates too high, or we can have something resembling a hyperinflation we have down here in Argentina. Either way, it's going to be very, very bad news because in an advanced industrial society like the US, to poison the money supply with inflation is asking for economic catastrophe.   Doug Casey (00:17:06) - So I think what we're looking at over the next ten years, and this is true for a number of reasons, not least of them, is the fact that Americans have elected in Washington people that are the equivalent of Jacobins during the French Revolution. I mean, they have the same ideas. I'm looking for very, very tough times, quite frankly, not just in the US, but almost everywhere in the world.   Keith Weinhold (00:17:32) - Today in the United States, compared to 100 years ago, one spends more of their income on housing and transportation and healthcare, and less on food and clothing. And yet, Doug, to your point about inflation, like dollars are such a poor measuring stick. That's why earlier, when we look at the cost of housing, I tried to discard dollars by going ahead and looking at the ratio between the home price and the gold price. I brought up the point last month with our audience that actually there's no such thing as grocery inflation or rent inflation. It's the government that creates the inflation.   Keith Weinhold (00:18:05) - So it's not landlords or grocers that are creating inflation. Those higher prices are just the consequence of the inflation that the central bank creates. And that's creating this erosion of the middle class, because those in the lower middle class and the poor, they don't have assets that benefit from the inflation. Yet they have the same fixed consumer costs that we're talking about here, like housing, transportation, health care, food and clothing. Talk to us some more about the problem in the government and how that could help lead us toward a silent depression. I know you brought up the point that the US government is running embedded deficits of $2 trillion per year, and that number is going to go much higher, if only because the interest cost alone is $1 trillion per year.   Doug Casey (00:18:49) - Yeah, people have to stop looking at the government as being their friend. It's not. It's a predator. It's a dead hand on top of society. It's certainly not a cornucopia, which is the way most people see the government. The government will give them stuff, right? The government will do stuff now it doesn't.   Doug Casey (00:19:08) - The government produces absolutely nothing that it doesn't take away first from society as a whole. So they have people have to stop looking at the government. It's a friendly big brother. It's more like increasingly the kind of big brother that you might have discovered in George Orwell's 1984. If we want to save the idea of America, which is one of the best ideas that humanity has ever had, we have to get rid of the government or as much of it as we can, and go back to the values, moral values, social values type of thing that this country had 200 years ago, what it was founded. I mean, that's my answer to the question. And the money, the dollar itself is a floating abstraction. It's a fiat currency. It's an IOU. Nothing on the part of a bankrupt government which can't even tax enough to give the money value. It just prints up more money and people out of inertia accept them. Well, there's nothing else they can use to trade Buck. We should go back to gold as being money and even a gold backed currency.   Doug Casey (00:20:22) - A currency is money. It's just a medium of exchange and a store of value. You don't need to insert the government and a central bank in between you and what you do with your fellow citizens in a country. That's why we should use gold, which for thousands of years has proven to be the best thing to use is money. It's one of 92 naturally occurring elements. And just as aluminum is particularly good for building airplanes, uranium is particularly good for making nuclear. Power plants. Gold has unique characteristics that make it unique. Almost unique. Uses money so the government shouldn't be involved in this. In all, this is a radical thought. I know that's something that most people have even thought about. They'll say, oh, this is completely ridiculous off the wall. This is unrealistic. This is the direction that the country should be going, but it's going the opposite direction at an accelerating rate. So yeah, we're looking at a nasty depression and it's been building up for many years. This isn't a recent phenomenon that's come up just since Biden, although the Biden pieces are making it much worse.   Doug Casey (00:21:37) - This is a trend that's been building up slowly for decades.   Keith Weinhold (00:21:42) - With the government having all of that debt that I just mentioned, that would create the propensity for them to create even more dollars so they can pay back their own debt, which could create more inflation and just this perpetually vicious cycle. Doug and I are going to come back and talk more about where all this is headed. When you think about the profundity of some of these things, if our currency went on to a gold standard or a Bitcoin standard, the fact that the government would not even be involved in currency issuance anymore, as you think about that, Doug and I have more on the silent depression when we come back. This is Jeffrey situation. I'm your host, Keith Weintraub. Role under the specific expert with income property, you need Ridge Lending Group and MLS for 256. In gray history, from beginners to veterans, they provided our listeners with more mortgages than anyone. It's where I get my own loans for single family rentals up to four plex's.   Keith Weinhold (00:22:42) - Start your pre-qualification and chat with President Charlie Ridge. Personally, though, even customized plan tailored to you for growing your portfolio. Start at Ridge Lending group.com. Ridge lending group.com. You know, I'll just tell you, for the most passive part of my real estate investing, personally, I put my own dollars with Freedom Family Investments because their funds pay me a stream of regular cash flow in returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited for some of them. It's all backed by real estate and that kind of love. How the tax benefit of doing this can offset capital gains in your W-2 jobs income. And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 66866. Oh, and this isn't a solicitation. If you want to invest where I do, just go ahead and text family to six, six eight, six, six.   Speaker 4 (00:24:04) - This is Rich dad, sales advisor Blair Singer. Listen to get Rich education with Keith Winehouse. And above all, don't quit your day dream.   Keith Weinhold (00:24:22) - Welcome back to get Rich. And we're talking with Doug Casey, the international man, about the Greater Depression. That's really a silent depression as he sees it. And Doug, I want to know where you see us headed, because a lot of people see today unemployment under 4% in the United States, we have GDP growth that's decent. The rate of inflation is still higher than the fed target but has come down substantially. The Fed's even talking rate cuts this year. So where do you see this all headed with the silent depression.   Doug Casey (00:24:54) - First of all, it's a big mistake to trust the government's numbers. If you look at the way the government computed unemployment and the way it computed inflation back in 1980, it's very, very different from the way these numbers are computed today. And if you computed them the way they did way back when in 1980, you'd find that our current unemployment is something more on the order of 10%, and current inflation is not I don't know what they say.   Doug Casey (00:25:27) - It is not 2%, 3%, 4%. It's also more like 10% or more. But with the amount of money that they've created, I mean trillions of dollars that have been cranked out of Washington in recent years. I expect we're going to see inflation go back to much, much higher levels. There's no limit to how bad it can get. And since the government has promised all these things to various pressure groups in the US, they have to be paid. The taxes aren't there to do it. The borrowing they can't borrow anymore, especially as interest rates go up. And incidentally, I point out that because of the debasement of the currency, that's a better phrase to use than inflation. The basement of the currency is an actual thing that's done by the government and its central bank, whereas inflation people think, well, maybe inflation falls on the butcher or the baker or the gasoline maker. No it's not. Those people fight the effects of inflation. Inflation is something that comes out of Washington because the government has all these pressure groups that get all kinds of benefits.   Doug Casey (00:26:43) - They're going to have to keep printing up money to pay for these things, and you're going to wind up in the same position as Argentina has wound up. In fact, it's going to be worse because unlike Argentina, which doesn't have any foreign involvements, they had a war with the Falklands 40 years ago. But there's basically no Argentine Army. There's no Argentine Navy to speak of. But the US has 800 military bases scattered all over the world. They're very expensive to maintain. The natives aren't particularly happy to have foreign soldiers in their lands. In addition to the war in the Ukraine, why were involved in a border war between two countries is a mystery to me. And now we have Israel and Gaza dusting it up. Literally, I feel sorry for both sides, but on the other hand, I don't epoxide both their houses. It's not our problem. This has been going on between these people for 2000 years, and the US getting involved in it is going to add on to our ongoing bankruptcy and maybe start World War three.   Doug Casey (00:27:57) - There's new wars popping up all over the world that are going to cost us huge amounts of money. And of course, the Defense Department spends giant amounts of money building high tech toys, which are basically useless in today's military world. It goes on and on. It's a big problem, and I suspect we're going to reach a crescendo by the 2024 election, assuming we have one. I don't know who's going to win that election if had anybody, quite frankly. So it's we're looking at chaos, political chaos, economic chaos, the potential for a financial meltdown because the whole world is built upon a foundation of debt, which is a very unstable foundation to build things on. And of course, you've got all kinds of sociological problems, starting with total and absolute corruption of the US educational system, which is spread like poison throughout society. We're seeing that now, incidentally, with the presidents of Harvard and Penn, MIT, but all of the higher educational institutions in the US suffer from the same problem. This is like a many headed hydra.   Doug Casey (00:29:10) - Where are we going to take any one instance of a problem in society? And when we examine it, you find that it's even worse than you might think. Like I was talking about education. Your kids are being indoctrinated a great cost. I think it's the University of Michigan has 161. I believe that's the number for the University of Michigan D administrators. That's the diversity, equity and inclusion administrators. All are earning over six figures. And what are they doing? Well they're justifying their positions by doing absolutely ridiculous things in education that shouldn't be about educating as opposed to. Enforcing somebody's goofy ideas of diversity and equity and inclusion. So anyway, we've got lots of problems beyond real estate and beyond the high level of rent that people have to pay today. But listen, it's so hard to build a new house. God forbid, build a new apartment building today by the time you jump through all the hoops. Local. County. State. Federal. The cost of construction is probably twice what it should be.   Doug Casey (00:30:21) - Because of inflation. Because of regulations. I hate to be so gloomy, Keith, I do, but.   Keith Weinhold (00:30:28) - Well, there's a lot there. We talk about diversity. We're in an era where people are very conscious of that. But a lot of people think of it with regard to race or gender or perhaps religion. But I like to champion diversity of thought as well. And then when it comes to we.   Doug Casey (00:30:44) - Don't have any of that anymore.   Keith Weinhold (00:30:45) - Yeah, yeah, that's for sure. But when it comes back to the root of productivity, I think that's really important because whether the government gives away money to programs in the United States or outside the United States to Ukraine or Israel, whether you believe in that or not. And a lot of the giveaways have been in the hundreds of billions of dollars to those nations were now running a national debt of over $34 trillion. And my point is, is that the United States doesn't produce as much as they used to. However, the United States produces a lot of dollars and a lot of debt.   Keith Weinhold (00:31:17) - And when the government has giveaways, either domestically or internationally, a productive person is the one that has to end up paying for that. So, Doug, we think about a lot of the problems out here, much of it coming back to the root of inflation. But you tell us more about what can be done. In fact, I know you have a practical, common sense way where you don't save in dollars. You and I have talked before about how real estate or gold can give you a hedge or even help you profit against inflation, but you've talked about the importance of real material things, like food that you can store, or light bulbs that you can put away, or tools that you can use because you're also not taxed on those sorts of things. So can you tell us more about that?   Doug Casey (00:32:05) - There was a book written years ago, and it's still available on Amazon by an old friend of mine named John Pugsley, and the book's name was The Alpha Strategy. The point that John made in that book was that rather than trying to save in dollars, you should save in things that have a long shelf life that you're going to need and use.   Doug Casey (00:32:30) - So, for instance, if light bulbs common thing, they burn out if you wait until there's a sale on light bulbs. Get them cheap. Buy them in quantity, buy them extra cheap, put them aside. You're not going to have to buy a light bulb forever. Whereas if you don't plan ahead and do it that way. If your light bulb burns out, you don't have one. You got to get in your car or in gasoline. Buy it at the convenience store where it's going to cost you. License much, and you can do this with many areas of your life planning ahead. In other words, this is a variation, if you would on the old Mormon idea. A lot of people are aware that Mormons or their religion tells them that they should put aside three months or a year worth of food, and it's storing food which is properly canned and so forth, so that no matter what happens, they'll always be able to eat. Well, the alpha strategy is something that you take that attitude towards food and you apply it to all the consumable things that you have in life.   Doug Casey (00:33:37) - And as they go up in price, lightbulbs go up from $1 to $5. With inflation, if you made an investment that kept pace $1 to $5, you'd have to pay capital gains tax on it. But you don't on the consumable that you put aside. So, I mean, this is just one of a number of strategies that you can use to counter the effects of currency debasement.   Keith Weinhold (00:34:03) - I love that as a strategy on what you can do. You are not taxed on the gain in price or value of an entire pallet of food or tools, like a tractor or ladder or table saw. So it's a really elegant way to beat inflation. Doug, I have an idea, and it might not be one that you heard before. It might even make the listener laugh a little bit. Here. I have an elegant way to beat inflation and improve your quality of life at the same time. And it's something really simple. And that solution is to spend your money. It's an elegant way to beat inflation and improve your quality of life.   Keith Weinhold (00:34:41) - At the same time. If a mediterranean cruise for you and your wife is going to cost $18,000 this year, and you think it's going to cost $22,000 next year, spend beat inflation and get an experience that you'll never forget that as long as you've got something set aside already spend, it's a way to beat it and live a better life.   Doug Casey (00:35:01) - I can't argue with that case. But on the other hand, it's wise to put aside capital for the future, because once you consume that grows, the capital is not there anymore, and you may need it in the future. But this is one of the problems created by currency debasement. People start thinking in terms of live for today, because tomorrow we might die with their money, and that's not a good way to get wealthy. Although it's true, you do beat some of the effects of currency debasement that way.   Keith Weinhold (00:35:34) - Yeah, if there were no inflation, there would be less incentive to do something like that. In spend would also be less incentive to invest.   Keith Weinhold (00:35:41) - But Doug, you've given us a lot of good ideas today for this creeping of the silent depression fueled by inflation and some actionable things about what we can do about it. Give us any last thoughts and then how our audience can learn more about you.   Doug Casey (00:35:56) - I've written a series of novels. Well, they're quite well written that explain a lot of these principles in the form of an exciting story. They're called speculator, where our hero, uh, gets involved in gold mining in Africa and a bush war and so forth, and it becomes a drug lord. Or we show a drug lord can also be a good guy, and then he becomes an assassin because he's so pissed off. There are four more novels to come. So I suggest people go on Amazon, pick up those three novels that are out there. That's one thing they should do. Second thing, I'd encourage you to go and subscribe to International man.com, and you'll get a great free daily blog from me and other people. It's really a good publication.   Doug Casey (00:36:44) - And the third thing on YouTube is we have Doug Cassie's take where once or twice a week I, uh, talk about different subjects.   Keith Weinhold (00:36:54) - Though our subject is depression, our conversation has not been thoroughly depressing. So thanks so much for coming back out of the show.   Doug Casey (00:37:02) - I see you again, Keith.   Keith Weinhold (00:37:10) - Well, you might wonder what kind of prepper weirdo is going to save a bunch of durable goods like tires or crescent wrenches, or even store an extra car, or a few extra cords of firewood that may or may not be feasible for you, some of it having to do with your storage capacity, whether you live urban or rural. But what you can do if you're really concerned about persistent inflation is to beat it by making improvements to your own home, and you can do that sooner rather than later. And see, that way you might actually get to enjoy the item and integrated into your lifestyle. For you, that might mean getting yourself new windows, or a new water heater, or renovating a bathroom, or remodeling the kitchen.   Keith Weinhold (00:38:03) - And if you can avoid activities, though, that create a higher tax assessment, then you will not get taxed on those real assets, all while improving your quality of life at the same time. So there's an idea, some real guidance, spurred from today's chat with Doug Casey. Big thanks to him. Next week, I'll tell you more about the weird problem with my rent payment that was stolen from my property manager and what I'm going to do about it. My manager says he's not taking the loss. I'm not taking the loss either. Interesting stuff. Until then, I'm your host, Keith Weintraub. Don't quit your day dream.   Speaker 5 (00:38:44) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get Rich education LLC exclusively. The.   Speaker 6 (00:39:12) - The preceding program was brought to you by your home for wealth building.   Speaker 6 (00:39:16) - Get rich education.com.

Stepping off the plane, Claudia Chavez had nothing but a suitcase and burning ambition—she turned that into a trophy-laden career as a triathlete and a beacon for business leaders. Now, Claudia brings her infectious zeal to Happy Business Radio, unravelling the secrets behind aligning athletic discipline with entrepreneurial triumph. In a heart-to-heart with yours truly, Peter Salerno, we examine Claudia's extraordinary life journey, from conquering triathlons to coaching corporate giants, underscoring the symbiotic relationship between personal and professional success. Flipping through Claudia's narrative is like leafing through an atlas of resilience. She recounts her bold leap from Mexico to the U.S., the sweat of capturing six state triathlon titles, and the pulse of her social media, igniting fires in others to stride beyond their comfort zones. Our conversation is peppered with wisdom from the trenches of business coaching, where Claudia trained alongside thought leaders like Blair Singer and Tony Robbins. It's here where we unearth the transformative potential of setting daring goals, and how Claudia's latest literary endeavour, "The Smart Plan," manifests her blueprint for a harmonious life. As the world morphs, so must our strategies to stay ahead. We put the spotlight on adaptability as the linchpin of enduring success, through the lens of Claudia's own experiences with cultural shifts and industry upheavals. Stitching together tales of her multilingual seminars and the agility required to pivot in the face of the pandemic, we explore how stagnation is the enemy of growth. So tune in, join the conversation, and let's celebrate the victories and face the challenges together on Happy Business Radio. (00:09) Business and Personal Development Discussion Global reach of Happy Business Radio, Claudia Chavez's journey, achievements in triathlons, and insights on personal and business growth. Timestamps (13:35) Inspiring Business Quotes and Pursuing Goals Passion, excellence, and setting ambitious goals are discussed with special guest Claudia Sheviz, exemplifying dedication and self-improvement. (18:47) Challenges, Goals, and Success Claudia's journey from setting goals to becoming a motivational speaker and coach, her passion for triathlons, and her multicultural background. (27:33) Adaptability and Success in Business Adaptability is crucial for business and personal growth, highlighted by a guest's journey and the consequences of failing to adapt. (40:10) "Achieving Balance and Success Claudia's inspiring journey from Mexico City to Australia, her book "The Smart Plan," finding passion, and challenges for recent graduates in job availability. (46:49) Promoting 'Happy Business Radio' on Podcast Radio's intersection with the digital age, accessing shows on Podcast City Radio, and listener engagement through Facebook.

In this episode, I delve deep into a conversation with Dan LeFave about the crucial mindset, psychology, and brain science tactics for scaling a business and coaching founders with excellence. We also touch on the power of manifestation, the impact of framing questions, and the importance of a blameless work culture and accountability loop. We discuss the significance of deep thinking, error management, and setting personal, team, and business standards. We also dive into the power of visualization, the “10x is easier than 2x” concept, and the impact of self-worth on our lives. Be sure to listen to the full episode on our website and connect with Dan LeFave on LinkedIn for more.  A bit about Dan:Dan received life's second chance when he survived a severe car accident that took three lives. He's struggled through brain injuries, business failures, heartbreaks, running marathons and battles with fear and doubt so that he could have more impact in the world. Where to find Dan: Website: https://lefavecoaching.com/ LinkedIn: https://www.linkedin.com/in/danlefave/ Other Links:https://www.facebook.com/lefavecoaching Books Mentioned:"The Power of Your Subconscious Mind" by Joseph Murphy "The Aladdin Factor" by Jack Canfield and Mark Victor Hansen "Alter Ego Effect" by Todd Herman "The Gap and Gain" by Ben Hardy "Team Code of Honor" by Blair Singer

What's Code of Honor? Its an amazing thing I learnt from my dad... and he in turn learnt it from his mentor, Blair Singer.  Love this and I follow it as a part of my everyday life... It's a very powerful technique to Save You from YOURSELF! :) So, check it out..

Poodle el vendedor que nació para ser visto Esta raza de vendedores perros es la más elegante y sofisticada, ideal para atender grandes cuentas. Continuando con esta serie de vendedores perros, en este episodio 245 del podcast Ventas B2B, hablamos acerca del Poodle. Recuerda que estos capítulos están en el libro Vendedores Perros de Blair Singer como base y yo agregué otras razas que las desarrollo en mi libro Ventas por Causalidad. El Poodle, tiene mucho know-who y menos know-how, muchas relaciones y menos conocimientos técnicos. Preocupados por vestir bien, con marcas reconocidas, frecuentan peluquerías, usan autos de marca, visitan finos restaurantes, etcétera. Conocen a todo el mundo o al menos eso dicen. Hacen negocios de alto valor y llegan a tomadores de decisiones de alto nivel. Les gusta ser reconocidos por los demás y hacen gala de sus dotes atractivas. Como fina raza, no van a comer a los basureros, sino que los rehúyen. En el mundo de los negocios, se arrancan de los negocios pequeños o de esos que vislumbran que no serán sencillos, ya que los clientes de bajo precio, demandan mucho del vendedor y sienten que los hacen perder su tiempo. Si diriges un equipo comercial, no puedes no tener un poodle entre tus filas, ya que esta raza te permitirá llegar a cuentas muy importantes y que para los otros perros, no estarán a su alcance.

Pit Bull el vendedor agresivo Si escuchas que un vendedor es del tipo Pit Bull, inmediatamente pensarás en alguien agresivo, que no suelta a su presa. De esa forma, la mayoría de los gerentes o jefes comerciales, idealizan el tipo de vendedor como el que necesitan para su equipo. El libro Vendedores Perros de Blair Singer (2004), me lo encontré hace muchos años y lo compré porque me llamó profundamente la atención su título. En este libro, el autor identifica diferentes perfiles de vendedores y los compara con razas de perros. En mi libro Ventas por Causalidad, le dedico un capítulo entero a esta forma de clasificar a los vendedores y le agregué otras cinco razas. También lo uso en mis clases y cuando me encuentro con ex alumnos siempre se acuerdan de esta sección y me preguntan cómo están los Pit Bull o los Chihuahuas, etcétera. El vendedor Pit Bull, efectivamente es muy agresivo, insistentes, muy orientados a cumplir y sobrepasar sus metas de ventas. Son los vendedores ideales para quien dirige el equipo comercial o el entrenador de perros. Sus defectos es que son poco delicados, pesados, insistentes y muchas veces sus potenciales clientes literalmente arrancan por temor a ser devorados por este Pit Bull. En algunos casos pueden meterte en problemas, porque sobre venden, mienten o se comprometen a cosas que son incumplibles, por lo que hay que estar detrás de ellos para resolver los problemas de post venta que crean.

My guest this week is my mentor, my teacher, and my friend. He has trained hundreds of thousands of people around the world, and is a best selling author. He is a huge role model in my life – Blair Singer!Blair describes meeting Chris, and how Chris was a little skeptical about the training, and how quickly Chris changed his tuneWe don't have to listen to the chatter in our mind telling us we can't do something. There are proven techniques that help tame that little voice A favorite quote of Blair's: “We have a societal responsibility to teach; otherwise we won't move ahead” The value of sharing your failures with your audienceCheck out more episodes at https://chrisbaran.com/podcast/ ⭐️ Join our FREE Facebook community for Salon Team Trainers today. https://www.facebook.com/groups/salonteamtraining/ ✅ Exclusive content on how to implement and scale your salon training the easy way✅ Save time and learn what works from people just like you ✅ Get back to your mission of building the salon business and creating more jobs Learn more here - https://bit.ly/trainersplaybook/ Join our FB group - https://www.facebook.com/groups/salonteamtraining/ Follow us on IG - https://www.instagram.com/coachchrisbaran/⭐️⭐️⭐️ Check out more episodes and the videos at https://chrisbaran.com/podcast ⭐️ Join our FREE Facebook community for Salon Team Trainers today. https://facebook.com/groups/salonteamtraining ✅ Exclusive content on how to implement and scale your salon training the easy way ✅ Save time and learn what works from people just like you ✅ Get back to your mission of building the salon business and creating more jobs Learn more here - https://bit.ly/trainersplaybook Join our FB group - https://facebook.com/groups/salonteamtraining Follow us on IG - https://instagram.com/coachchrisbaran

Being busy is doing stuff, being productive means getting stuff done.In today's episode, Blair Singer, Master of Masters, discusses the Difference Between Being Busy vs Being Productive in today's episode. Keep listening until the end!

Hailing all the way from London, our guest this week is the founder/CEO of Mindspace Coaching, and leading expert in business growth, Mac Attram. Mac is widely recognized as one of the most sought-after coaches and trainers for entrepreneurs, and that's exactly the kind of valuable insight we're diving into today.Famous for his ability to help business owners rapidly increase their sales revenue, with astonishing results ranging from a 20% to a mind-blowing 200% increase in just a few months; he also specializes in implementing better processes, building winning business teams, and creating a lifestyle where entrepreneurs can enjoy their success without being consumed by their work week.If this is you — it's time to level up your game and soak in the wisdom of a true industry powerhouse.Don't miss out on this golden opportunity for success!Key Highlights:I'm A Failure (6:09)Create More With Less Time (10:14)Market Dominance (13:31)3 Key Components Of Successful Entrepreneurs (17:54)Sales Is Serving (23:19)Be Hungry For What You Want (28:21) About The Guest:Mac Attram is the Founder & CEO of MindSpace Coaching, a leading business growth expert, widely-regarded as one of the most sought after Business Coaches and Trainers for Entrepreneurs. He is famous for helping business owners rapidly increase their sales revenues between 20% – 200% in just a few months, as well as implement better processes and build winning business teams so that they can have more time off to enjoy their lives.Mac had many years of challenges and failures in business before discovering what really works! His tenacity and over 30 years of Martial Arts practice helped him stay focused and disciplined; a trait he takes into all areas of his life including business.He is an entrepreneur who has developed and sold several profitable companies. He is also a multi-award winning business coach and author, and has been featured as an “expert advisor” in TV, newspapers and magazines. He was previously awarded the ‘Executive Coach of the Year' in the UK.The principles he learned in business and now teaches to others has helped him earn millions for himself and for his clients. Mac has also trained and coached over 100,000 business owners & individuals from all over the world in more than 30 countries and has shared the stage with some of the world's premier thought-leaders, entrepreneurs & speakers, including Robert Kiyosaki, T.Harv Eker, Blair Singer, Les Brown, Keith Cunningham, James Caan, Eric Thomas, Lady Michelle Mone and Duncan BannatyneConnect with Mac Attram:Website: www.MacAttram.comFacebook: www.facebook.com/macattrampageTwitter: @MacAttramInstagram: @MacAttramLinkedIn: http://linkedin.com/in/macattramAbout the Host:Paul Finck is The Maverick Millionaire™. Paul brings to the table a vast array of knowledge and skill sets from 36+ years of sales, marketing and entrepreneurial life experience. He has consulted in numerous industries, including the Medical, Dental, Financial, Retail, Informational Marketing, Direct Sales, Multi-Level Marketing and Speakers/Coaches/Trainers. He is a former mortgage broker, real estate agent and investor. Starting with a desire to be great, Paul learned from several of the biggest names out there and Dared to be Different – he dared to be a Maverick. His successes include moving multi-millions of dollars in Real Estate, and over $20 million in informational products. With his primary focus on multiple streams of income, he has built up several businesses in Informational Marketing, Network Marketing, Real Estate...

How to start investing in the stock market? How to learn to invest in the stock market? Why do women make better traders than men?   *In this "Money and Investing" show, Andrew Baxter interviews Sandra Bravo, discussing women's wealth and investing in the stock market.*   Sandra, the mother of two girls, established her own business, AmaSSSing where she's been transforming people's personal & business lives by teaching them confidence, self-esteem & the psychology of success through very specific Mindset principles.   Ornamented with an ambitious, charismatic, and self-motivated personality, Sandra Bravo has shared global stages with world-renowned personalities such as Robert Kiyosaki, Janine Allis, Gary Vaynerchuk, Ryan Serhant, Mark Bouris, T. Harv Eker, Alex Mandossian, Ted Thomas, Doug Nelson, Blair Singer, JT Fox and many others.   As a Master Practitioner of NLP (Neuro-Linguistic Programming) & Transformational Mindset & Facilitator, Sandra guides people to create, develop and manifest their dream, goals & aspirations by inculcating the belief of mindset over matter.   With a Master's in Business Management, and over 15 years of experience in Leadership, Sandra's passion is to inspire teams with her mindset methodology to eradicate limiting beliefs that have been holding people back from achieving their full potential. Her Mindset strategy with the BRAVO method helps people free themselves from the chains of the past.   00:00 Intro. 00:40 How did Sandra Bravo and Andrew Baxter were met? 01:47 Sandra's Bravo background. 03:50 What did Sandra do to grow her wealth? 05:18 The notion of "I'll give it to the professionals" versus "Responsibility of taking it on yourself" with the money. 06:44 Performance results of three different strategies managing money. 08:10 "No one is ever gonna care for your money as much as you're gonna care for it yourself". 09:10 Making mistakes - it's a learning experience. 11:13 Why do women make better traders than men? 16:00 How to get started to invest? 18:30 The biggest breakthrough from learning the theory of trading to starting to invest. 20:51 Breaking the process down and keeping it simple is crucial. 23:30 Risk management. 24:30 Advice from Sandra Bravo.   Subscribe to our Channel: https://www.youtube.com/channel/UCfmaldKMEUc5qXeIQ7zEBeA?sub_confirmation=1  Wealth Masterclass: https://www.wealthmasterclass.com.au/  FREE Online Training with Andrew Baxter: https://bit.ly/cod-online 

Episode 147 - The Power Of Mindset In Business with Mac Attram   Make It Happen with Will Polston is a weekly podcast that consists of a combination of episodes with Mindset Strategist Will Polston and episodes with Will's guests from around the world providing you with insights on how you can transform your excuses into results to benefit yourself, your family, your friends, your community, society, humanity and the universe, what he calls - The Ripple Effect.   Mac Attram is the Founder & CEO of MindSpace Coaching, a leading business growth expert, widely-regarded as one of the most sought after Business Coaches and Trainers for Entrepreneurs.    He is famous for helping business owners rapidly increase their sales revenues between 20% – 200% in just a few months, as well as implement better processes and build winning business teams so that they can have more time off to enjoy their lives.
 Mac had many years of challenges and failures in business before discovering what really works! His tenacity and over 30 years of Martial Arts practice helped him stay focused and disciplined; a trait he takes into all areas of his life including business.   Mac has also trained and coached over 100,000 business owners & individuals from all over the world in more than 30 countries and has shared the stage with some of the world's premier thought-leaders, entrepreneurs & speakers, including Robert Kiyosaki, T.Harv Eker, Blair Singer, Les Brown, Keith Cunningham, James Caan, Eric Thomas, Lady Michelle Mone and Duncan Bannatyne.   In this episode, Will has Mac as his guest and they talk about: How Mac started his career in coaching The synergies between martial arts and entrepreneurship, and how the five tenets of taekwondo relate to all different aspects of life The 4 different kinds of business mindset How limiting beliefs about money and wealth limit your ability to create wealth   To find more about Mac, click here.   Join the free Make It Happen Community Facebook group by clicking here.   Take the 5-Minute Quiz that Reveals What's Preventing You from Living a Purposeful, Inspired and Energised Life You Love by clicking here.

Learn how to harvest equity without giving up your low, fixed-rate mortgage. Today, I discuss: conventional loans for single-family rentals, DTI, refinancing, accessing equity, student loan debt, and down payment requirements for income properties with Ridge Lending Group President, Caeli Ridge. Learn what's better for a second mortgage—the pros and cons of a HELOC vs. Home Equity Loan. You also get a mortgage market overview. We discuss changes in cash-out refinance seasoning requirements.  Caeli also describes where she believes mortgage rates are headed later this year. Resources mentioned: Show Notes: www.GetRichEducation.com/447 Ridge Lending Group: www.RidgeLendingGroup.com info@ridgelendinggroup.com Join us for tomorrow's free GRE Florida properties webinar: www.GREwebinars.com Ridge's All-In-One Loan Simulator: https://ridgelendinggroup.com/aio-simulator/ Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Speaker 0 (00:00:00) - Welcome to GRE! I'm your host Keith Weinhold. You can get a conventional loan for a single family rental with less than a 20% down payment. Learn why you might want to refinance today. Even though mortgage rates aren't as low as they were a couple years ago, how do you qualify for loans if you've already got student loan debt? All things mortgages and financing today on Get Rich Education, Speaker 2 (00:00:29) - You are listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Speaker 0 (00:00:52) - Welcome to GRE from K Patis North Carolina to Hattiesburg, Mississippi and across 188 nations worldwide. I'm Keith Weinhold. This is Get Rich Education, the voice of real estate investing since 2014. Before we get into a great education on all things mortgages today, there is still a little bit of time left for you to join us on tomorrow night's G R E Live event. You can join us from the comfort of your own home. This is for new build single family rentals, opt to four plexes in Jacksonville, Ocala, and elsewhere in Florida. Purchase prices are still below 300 K on the single families. Yes, still in the two hundreds in some cases. I don't know how long that can last. Yeah, these are the property types that are quickly vanishing. Our investment coach Naresh Stars in that event tomorrow, he finds you the good deals with the national providers that are actually giving incentives despite the fact that the product that you're buying is in really short supplies.   Speaker 0 (00:01:59) - You're gonna get a good, solid, fundamental education on what makes a durable income property market and a arrest in the Florida provider are going to share with us just for webinar attendees. Those even better than two and two incentives. Yes, for you, the incentives on the webinar are even better than that 2% of your purchase price paid do you in closing costs cash and 2% of free property management. It is going to be even better than that. That's gonna be rolled out tomorrow night, May 2nd at 8:30 PM Eastern, 5:30 PM Pacific. It is free to attend. You can ask questions live, get your questions answered and get access to the actual properties should you so choose. That is the final reminder. So if that's of any interest to you, be sure to sign up now@grewebinars.com. I'm coming to you from the Mojave Desert today here in metro Las Vegas.   Speaker 0 (00:03:04) - It's Henderson Nevada. To be technical next week I'll bring you the show from Phoenix, Arizona. And you know what? It's kind of funny. Sometimes you hear people refer to this general area of the nation this southwest and they say they are going to the desert if they were doing what I'm doing. Well this unrepentant geography nerd will clarify that it is the deserts plural. Yes, Las Vegas is in the Mojave Desert in Phoenix is in the Sonora Desert. There are differences in vegetation type and others that distinguish the two. And the most obvious difference perhaps is the presence of the big iconic Saguaro cactus down in the Sonora that you don't find up here in the more northerly Mojave and perhaps the Joshua tree is the more distinct plant type here in the Mojave. Yes, we're talking about two gigantic pieces of real estate here. Much of it is baron. Two disparate deserts with their own distinctive flora and fauna. As you're about to learn about financing real estate today, let's remember that there is a cash out refinance and then generally if you're performing a refinance without pulling cash out, that is known as a rate and term refinance. Let's get into it.   Speaker 0 (00:04:30) - Well hey, well how do you qualify for more mortgage loans at the lowest interest rate available, Americans have near record equity levels in their homes. What's the best way to access that equity yet keep your low mortgage rate in place? And what about your student loan debt and how that factors into you getting a mortgage or getting a refinance? We're answering all that today with a GRE regular guest and though it's her first appearance back on the show this year, it's the return of the company president that's created more financial freedom through real estate than any other lender in the entire nation, Ridge Lending Group. It's time for a big welcome back to Caeli Ridge.   Speaker 3 (00:05:08) - Keith Wein. Hold. Thank you. You flatter me sir. I appreciate it. Love being here with you and for your listeners.   Speaker 0 (00:05:14) - Well yes, the president is back and everyone loves this type of president because it's not about being a Democrat or Republican. So hail to the chief, great to have you here. And Jaylee mortgage rates, they have settled down a good bit from their recent highs now they peaked back in the fall of last year. So with that and some of the other things in mind, why don't you talk to us about the big picture first, sort of your mortgage market overview.   Speaker 3 (00:05:40) - Interest rates is always top of mind for everybody. I think they're doing pretty well. I do believe I've been sharing with our listeners and and my clients on a day-to-day. I do believe that rates will continue to kind of increase here and there. There's gonna be some ups and downs. Of course the Fed has been very clear with us. Jerome Powell is gonna continue to raise the Fed fund rate just for anybody that doesn't know the two between a mortgage rate and a Fed fund rate while connected, not the same thing. So when they raise that does not automatically mean that we see the increase on the the 30 year mortgage bonds. I think that that's gonna continue to happen, but I think the pace in which it happens or continues to happen is gonna be a lot less aggressive. So I think that's gonna bode well overall.   Speaker 3 (00:06:21) - For interest rates. I know everybody is very, very interested in in are they going up, are they going down, when are they going up, when are they going down? I think that we'll continue to see a little bit of upward movement. I think it's gonna be sometime next year that we start to see interest rates come back down in any meaningful way. And remember gang rates go up much, much faster than they come back down unfortunately. So I think we've got a little bit of way to go. But I'm always the one saying, Keith, you and I have talked about this, um, many, many times you must be doing the math and that the rate as a function of the return of the investment isn't the most important thing. So I'll leave it there for rates. Otherwise, I think that the industry is doing really, really well.   Speaker 3 (00:06:58) - One big announcement that we had this year was that Fannie and Freddie both have extended the seasoning period of time to where a cash out refinance when leverage was used to acquire is applicable. So now you have to wait 12 months to pull, to pull cash out of a property using the A R V that after repair value if you use leverage to acquire the property. Quick distinction because this has been confused. If you paid cash for the property, your source and season funds, that still falls under what's called the delayed cash out refi and no seasoning is required. It's only when leverage was used to acquire the property and then they're trying to use an after repair value to pull cash out in hand. Is that 12 month seasoning rate and term is different. So that doesn't apply either.   Speaker 0 (00:07:45) - Okay. So if you make a purchase and then say it less than 12 months down the road, you want to do a refi but not pull cash out, is that still all right?   Speaker 3 (00:07:55) - That's absolutely fine. No seasoning is required and we can use the arv. It's only when you want cash in your hand that that 12 months is is applicable.   Speaker 0 (00:08:04) - Got it. Okay. That's really helpful to know. Just big picture before we winnow down, are there any other big substantial mortgage stories out there that some should know about? Um, it was only a couple weeks ago, there was a lot of misinformation going around on TikTok and elsewhere about 40 year loans from F H A without people understanding that's just for loan modifications and really other stories like that. Any other big picture things where you can help us see what's happening?   Speaker 3 (00:08:30) - It seems to be par for for the course? I have not. There's nothing that's come across my desk that I would say was newsworthy or noteworthy to share. I think we've got more to unpack here than any of that.   Speaker 0 (00:08:40) - Yeah and things sure are picking up here around G R e. People wanna buy more properties this year. It really slowed down toward the end of last year, right about when the mortgage rates were at their peak. So when we talk about getting loans, we think about leverage. Leverage is created with debt. Has anything changed with the down payment requirements for an income property? And we're largely here in today's discussion talking about one to four unit income properties. Properties that you don't live in yourself,   Speaker 3 (00:09:08) - Correct down payments have have remained the same. There isn't been anything that has changed there. Just to reiterate, for those that may not be aware on a single family residence, conventionally 85% loan to value is applicable. You can leverage all the way up to 85, you're putting 15% down. Keep in mind everybody that that will have pmi, private mortgage insurance attached to it, I would have you look at them side by side. The PMI factors actually pretty low and depending on the loan size it may only be 20, 30 bucks a month. So if you're able to leverage extra, it may make sense. You're gonna have to look at the numbers so that single family and then two to four unit on a purchase transaction different on a refinance transaction but purchase is 25% down or 75% leverage is required for those duplex, triplex, fourplexes.   Speaker 0 (00:09:54) - Okay, so as little as 15% down on a rental single family home. So you're getting up to six to one, seven to one leverage in that case. Sheila, do you find very many people doing that or would they rather pay the 20% down for a rental single family home and not have the pmi?   Speaker 3 (00:10:10) - I find that right now I think that it's less common than maybe it was because interest rates are up from where they were, uh, a year, year and a half ago. So more often than not we see the 20% down. But I still think it's worth looking at. I mean you're never gonna know unless you run the numbers right side by side.   Speaker 0 (00:10:25) - Okay, so we're thinking about how much cash we have to have put aside for a down payment in closing costs. And one thing that we need to do in order to qualify for that loan in the first place of course is some people get hung up on the dti, their debt to income ratio is too high to qualify for property and chaley. Over the past few months I've had a few listeners write in with questions and I thought, well I'll say that question until we have chale on again. And one of them really has to do with student loan debt. Student loan debt often contributes to one having too high of a debt to income ratio so that they didn't have to repay their loan. I know that Biden said that you wouldn't have to pay back student loan debt for a while, but can you talk to us specifically about student loan debt with D T I?   Speaker 3 (00:11:06) - There's gonna be a few pieces to share with everybody depending on whether we're talking about Fannie Mae or Freddie Mac and we won't know who we're gonna end up selling to after the loan funds. And they have slightly different guidelines between the two of them. Similar. But there are some differences as it relates to student loan debt regardless of whether you're in deferment or you've been told that you don't have to repay. If it shows up on an individual's credit report, the calculation will be as follows. They're going to take the outstanding balance times 1%, that's Fannie Mae's rule or the outstanding balance times half a percent. That's Freddie Mac rule and that will be the payment that we include in the debt to income ratio. Uh, I'll mention that the all-in one, which is a very popular loan right now. First Lean HeLOCK, maybe we'll talk about that here today. They will defer to Fannie rules so it'll be 1% of the outstanding debt pulling on the credit report even if it shows a zero payment listed. Now there is one caveat, if the individual has a letter, this happened maybe in the last six months and I'm trying to think about, there was a title, it's pretty rare. But if they're able to gain access to documentation that specifies that they are not going to have to repay that debt and we can take that documentation, then we can zero out that payment in the D T I.   Speaker 0 (00:12:22) - Alright, there's some strategies for how you can approach D T I with respect to any student loan debt that you have and what is the maximum D T I that a borrower can have?   Speaker 3 (00:12:34) - Conventionally and non qm, you're gonna get to 50% debt to income ratio for the all-in-one since we just touched on it, 43% is the absolute max.   Speaker 0 (00:12:43) - Okay. And on prior shows, Chile and I have discussed specifically with examples just how that D T I is calculated. If you're wondering, you can hear that in some past episodes Chile one one goes ahead and they continue to add income properties to their portfolio. Often I recommend that one does that with high leverage but not over leverage. How does one keep their D T I ratio down over time as they continue to add properties so that they can qualify for more properties in the future? Is there a good strategy for that?   Speaker 3 (00:13:14) - There is, and it's such a good question because as investors, right, our qualification primers are not static. They're going to change over time as we buy and sell and refinance. So it's very, very important, especially with the debt to income ratio that we're keeping an eye on it. And there's a few ways in which you can kind of strategize or optimize that D T I. The first is going to be the Schedule E, okay? The Schedule E is where all the rental properties are going to live once you've filed the annual tax return. The easiest way for the time that we have here today, Keith, is gonna be to tell the listeners, send us your draft returns. So on an ongoing basis we tell our active clients do not file federal tax returns until you send us the draft. We're going to run that draft through the pre-formulated calculation that comes straight from Fannie, Freddie and then we're gonna provide you with some feedback, one of which may be Mr.   Speaker 3 (00:14:03) - Jones, you forgot to include your insurance as a deduction and that's actually an add back that's gonna be to your disadvantage. Make sure that you put that in there. You didn't claim the full number of days of income for the property, you forgot to put depreciation on there. That's also an add back. There's a whole slew of things that we can look at and look for and give the individual that feedback so that they are filing at that optimal way while maintaining what the maximized tax credits are, right? There's a nice balance there. The more aggressive you are with the tax deductions, the more it can impact the D T I. So we wanna have eyes on that and work closely with the client and or their CPA is a very common part of what we do. So schedule E a little more complicated, that would be one of the the ways in which we wanna maximize debt to income ratio.   Speaker 3 (00:14:45) - Obviously not obtaining new debt, new consumer debt is is not gonna be to our advantage, right? We don't want more liability than we have income. Another thing is, is that when we talk about credit and a lot of clients that we talk to, they pay their credit cards off monthly, right? Maybe they charge up five grand, eight grand, 10 grand, they get a miles or whatever it is. It's very important to communicate with us to find out when in the month we wanna strategically pull the credit. Because what will happen is is that the day in which we take that snapshot, if there's a minimum payment due, a balance with a minimum payment, that minimum payment will be used in the individual's debt to income ratio regardless of whether they're gonna pay it off at the end of the month. That doesn't matter to us.   Speaker 3 (00:15:26) - There's a payment here, we gotta hit you for it. So strategizing on the day in which we wanna run credit might be another helpful way for D T I. And then finally, and there's probably a few other things, but I think high use would be, I don't like the shorter term amortizations. I think this is something else you and I have talked about many times, Keith, where people wanna pay off quicker, which is great if that's really what they wanna do, that's perfectly fine. I'm not sure that that would be my strategy, but whatever. Don't get yourself into a 15 year fixed mortgage because it's only gonna jack that payment. It's gonna really increase that payment. It's ultimately going to, for long-term optimization, hurt your D T I. You can do the same thing with a 30 year mortgage and not pay extra interest by accelerating the debt if that's what you chose. So those would be the the few things I'd comment on   Speaker 0 (00:16:10) - 100%. And for you the listener and viewer right now with what you just heard from chaley, you can begin to understand the value of working with a lender that works specific with income property investors rather than those lenders that are more geared toward primary residents, borrowers. Nothing wrong with them but they're in their lane during their thing. And you can understand why Chaley over there at Ridge is really a specialist to help you qualifying for as many income property loans as you possibly can and optimizing those loans as well. Chaley, when we talk about interest rates, oftentimes it's of interest to people to look at what are refinance interest rates like versus new purchase interest rates.   Speaker 3 (00:16:54) - I would say on average there's a variety of of variables that dictate what the rate is gonna be. Okay? I talk about this a lot. They're called LPAs loan level price adjustments. And a loan level price adjustment is a positive or negative number that attaches to the characteristic of the loan transaction. So purchase or refi, hash out refi rate and term refi credit score has its own L L P A loan to value, loan size occupancy. All of these come with a positive or negative number attached to them as it relates to purchase versus refinance. Generally speaking, let's take a rate and term refi where you're not getting cash out, you're just maybe taking an arm and making it affix. You're taking a higher rate and making it lower, whatever, maybe about a half a point difference. So if a purchase was at six and a half, the re rate and term refinance might be at 6 75 or 7%, cash out's gonna be a little bit different. I would add a quarter point to that and then if, if it's a two to four unit, add another quarter point on top of that. So those variables do make a difference.   Speaker 0 (00:17:53) - And maybe the listener might think, well why are you talking about refinancing at a time like this? If I wanted to refinance, I would've been more likely to do that about two years ago when mortgage rates read historic lows. But today Americans are sitting on near record equity, oftentimes it might be tied up in a low mortgage rate loan with that equity chaley. I talked to some people out there just lay people, people that aren't even investors and they have a big equity position with a really low mortgage interest rate loan and they seem to think that to refinance it, they would need to go ahead and refinance their entire mortgage and lose that maybe three or 4% loan, but they don't necessarily have to if they can do a second mortgage. So I guess really what I'm getting at and the question chaley is what is the best way to do a rate and term refi versus a cash out refi? And I know there are a lot of scenarios there.   Speaker 3 (00:18:44) - Yeah, lots of scenarios. So to your point, it is not necessary to give up a very low fixed rate mortgage if you want to harvest some of that equity. The ways in which, and I'm gonna have a plug after this for the all in one, but I'll get to that cuz I'm just such a big fan. But the ways in which you can do that both for your primary residents, a second home and an investment will be through a second lien mortgage, whether it be a heloc, home equity line of credit or a he loan, the HE loan is applicable for the rental properties. I do not believe, I hope somebody can give me alternative information, but I do not believe you're able to find second lean HELOCs for rentals today. I feel like those have really dried up if they're out there, the ones that I know of that used to do them are not doing them anymore.   Speaker 3 (00:19:27) - If they're out there and anyone's listening to this, somebody please let me know. Keylock for rental probably not an option. He loan for rental absolutely is an option. And this is guys a fixed rate mortgage in second lean position, just like your 30 year fixed first, this will be a 30 year fixed second interest rates are gonna be higher. And since we were talking about interest rates, I'm gonna say that they're probably anywhere from 10 to 13%, but they're smaller amounts. C L T V combined loan to value for a he loan on a rental would be 85% is what we have access to. So as quick math guys, if you have a value of a home of a hundred thousand and you owe on your first mortgage 50,000, the CLTV would be 85% of a hundred. So 85,000 minus the 50001st, which stays in place, you'd have access to about 35,000 in that example. And that would be access to rental properties that you just do not want to mess with that first lien mortgage different for owner-occupied. And I'll take your queue on when you want me to get into that.   Speaker 0 (00:20:26) - Yeah. Okay. So we are just talking about income property second mortgages there. Tell us about primary residences.   Speaker 3 (00:20:32) - So primary and secondary should be in the same bucket. You can leverage just 90% C L T B, same math as before but up to 90% And these are gonna be, you have HeLOCK and he loan. I'm gonna assume most people are gonna go for the HeLOCK, right? The open-ended revolving is definitely more attractive than a closed-ended fixed I believe in a second lien. And you know Prime is at eight I believe right now. Gosh, I should have checked before we go on, but I think Prime is sitting, it's an index. An indices like the Fed fund rate, that's an index two prime is at about eight. And then depending on the characteristics, those l LPAs that I mentioned, loan level price adjustments are gonna come up with a margin. Maybe it's 2% over prime or one or whatever it is depending on those things. So I would anticipate a HELOC and second lie position on a primary residence will be anywhere from eight to maybe 10%. More often than not is what you should expect. Interest only open-ended.   Speaker 0 (00:21:24) - And on the second mortgages, whether that takes the form of a HELOC or a HE loan, how long is the initial fixed rate period? Typically   Speaker 3 (00:21:32) - There are hybrids where you can fix in for a year or three years, et cetera. Those are available. I'm not sure that you wanna do that in a high rate environment. You probably wanna avoid any fixed rate right now if you had the option to get into it a couple of years ago, you're looking really good right now because you fixed in at at some ridiculously low rate for a period of two, three, maybe five years. I would tell people listening, fixing in on a HELOC right now is not gonna be your advantage when we believe that rates are gonna start coming down over the next year, et cetera. But for the HE loan, it's fixed for 30 years. Just like a 30 year fixed first lie mortgage, it's fixed, you have it four 30 years, it's amortized, it's closed ended. You're making your regular payments until you pay it off after the 30 year period of time.   Speaker 0 (00:22:13) - We're talking about how you can more efficiently borrow in this environment where people and investors have high equity positions and we have hopefully come off the mortgage rate highs from late last year. You're listening to Get Risk Education. Our guest is Ridge Lending Group President Chaley Ridge Morton, we come back. I'm your host Keith White Hole with JWB Real Estate Capital. Jacksonville Real Estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor. Since 2013, JWB is ready to help your money make money, and to make it easy for everyday investors, get started at jw b real estate.com/g rre. That's JWB real estate.com/g R E GRE listeners can't stop talking about their service from Ridge Lending Group and MLS 40 2056. They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plexes. So start your pre-qualification and you can chat with President Chaley Ridge personally. They'll even deliver your custom plan for growing your real estate portfolio. start@ridgelendinggroup.com.   Speaker 4 (00:23:45) - This is Rich Dad sales advisor, Blair Singer, listen to Get Rich Education with Keith Wine Hold and above all don't quit your daydream.   Speaker 1 (00:24:03) - Welcome   Speaker 0 (00:24:04) - Back to Get Rich Education. We're learning about how to be a savvy borrower with President of Ridge Lending Group, Chaley Ridge and Chaley. One product you have there that's really flexible and has helped out so many people and helped save borrowers tens of thousands of dollars in interest or more is what's called your all in one loan. Tell us about it.   Speaker 3 (00:24:25) - This is a first Lean HeLOCK everyone. I'm such a big fan, it's not for everybody, but for the right individual, I don't know that there is a loan product to rival it. It's got all the flexibility in the world and as Keith said, the mechanics of this and the concept of this arbitrage, it's called Velocity Banking, infinity Banking. If anybody's familiar with those terms, that's what this does. It allows you all the open flexibility to sort of become your own bank where you have this line of credit. It is a first lien line of credit. So let's take a a step back and talk about those low interest rates that everybody has secured over the last couple of years. We were very lucky to have to two and a half, 3% interest rates. And I'm constantly having this conversation and I'm really trying hard to dispel the psychology of you can never do better than that when it's just not the truth.   Speaker 3 (00:25:14) - And mathematically you will be able to figure this out. I'm gonna plug our website here. There is an interactive simulator that will take you to the all-in-one simulator where you can compare your existing fixed first lien mortgage to the All in one and and the input data is very, very simple. No vials of blood here guys, but if the input is accurate, the results page will tell you very clearly if the all-in one will save interest and Trump over the 30 year fixed at two and a half or whatever it is, or if you're fixed rate mortgage is more to your advantage, it will be very clear there'll be no mistaking it from that. I think further conversations will be necessary for those that see some real value in the All In One. I won't go too far down that rabbit hole, it's a little bit more complicated than we probably have time for here. But the first Lean All In one is such a fantastic tool. I really encourage your listeners to go ahead and and check out at the very least the simulator and see how it applies to you.   Speaker 0 (00:26:08) - The all-in one loan operates much like a first lien heloc. I don't think we have time to describe it all. Like you said, you do have the simulator there on your website@ridgelendinggroup.com where one could see if their existing mortgage it compares favorably or unfavorably to the all-in one loan. But as we know with the first lien heloc, therefore one feature of the All in one loan is the option, not obligation, but option of making interest-only payments to keep your payment down.   Speaker 3 (00:26:34) - Yeah, this is where it gets a little bit tricky for some people when we start talking about payments FirstLine Open-ended HeLOCK, where it's called the All In one because you're replacing not only your mortgage with this revolving open-ended heloc, but also a checking and savings account and combining those two elements whereby simple depository income is being used at dollar for dollar driving down principle balance to save in daily interest accrual. I'm gonna give a quick example and then we can move on and, and I encourage everybody to do the simulator email us, let's talk through it. We'll take you by the hand. It's the learning curve's a little intense, it was even for me. But here's an example of velocity of money and kind of how the all-in-one works. So take a 30 year fixed mortgage and a 15 year fixed mortgage. Both of them started at $400,000 each.   Speaker 3 (00:27:22) - You lock the 30 year at 4% and the 15 year was locked at 7%. Without exception, everybody runs to the 30 year at 4%. I would've done the same if I didn't know the math when in fact the reality is is that you will pay $40,000 more on that 4% 30 year than you would on the 7% 15 year because the amount of time that you're paying on that mortgage is greatly reduced. And that's, I guess a, an easy concept. It's a, the first step of trying to define this for most people, they can kind of see it in those terms because they understand the amortized mortgage. It's the amount of time that you are paying interest. So if you're utilizing your depository checking savings and your mortgage and all of that money is going in there month after month before it's going back out the door for whatever your living expenses are. And then whatever's left over is, is stays in there. 24 7 access. Nothing changes about your current banking techniques or or strategies. It's all the same. But now you're in control. You've become your own bank. It's amazing. I can't say enough about it   Speaker 0 (00:28:24) - Talking about the all in one loan there. You sure can learn more from Ridge on that. Jaylee, is there really like anything else that I guess is noteworthy specifically in helping a borrower qualify for income property loans, maybe a common problem or a borrower hurdle that you see in there at Ridge?   Speaker 3 (00:28:43) - I would just boil it down to education. Just lack of information. It's not dear Google stuff. The guidelines and what's available. All of these things are changing on a consistent basis that real-time information's not available to them. So if I had to pick one thing, I would just say education. And I'm very proud to say that we really focus on that. If there's a value add about Ridge, I think there's quite a few. But the one that I think sticks out for most people is the education that we provide to our investors and shining a light and giving them a look under the hood and what they need to know, teaching 'em how to optimize their qualifications and all of the stuff that we've been talking about here today.   Speaker 0 (00:29:19) - Well that's a good point because when we talk about real estate investing, you're really, they're in one of the more dynamic and fast-changing parts of the industry as opposed to something like home construction where a lot of the methods haven't changed for 50 or more years, if you will. So yeah, it's really staying up and staying informed on that and engaging with a lot of the educational resources increasingly that Ridge has for you to help you stay on top of that as an income property bar yourself. And Shaley can tell us a bit more about that shortly. But why don't you tell us about all of the loan types, the mortgage products if you will, that you offer in there.   Speaker 3 (00:29:52) - That's another great value add about us. We have a very diverse menu, if you will, of loan products that don't just start and stop with the conventional. We're not a one size fits all. So we've got the Fannie Freddy's, we talk about that a lot. Our all in one, my favorite. We have a very diverse non QM product line and for those that aren't familiar with that term, QM stands for Qualified Mortgage. Fannie Mae and Freddie Mac are the, uh, epitome the definition of what a qualified mortgage is. There's a whole definition we don't need to go into today, but, so everything outside of that QM is now non qm. And within non qm, like I said, extremely diverse. There's things called the debt service coverage ratio product where we're not showing borrower income, we're just looking at the properties income offset by the new mortgage payment. There's bank statement products. If you can't show tax returns, we're gonna take deposits and average them asset depletion. If you've got large self-directed ira, we can come up with an income calculation for that. The list goes on. We've got commercial products for commercial properties, but also for residential properties. Cross collateralization. It's pretty diverse. We have a lot for everybody.   Speaker 0 (00:30:54) - When you excel in there, you've been such industry leaders at originating income property loans for investors were proportion of your businesses income property loans and what proportion is primary residence loans?   Speaker 3 (00:31:06) - A lot of people don't realize we can do both and we do both very well. But I would say that it's probably 70 30 not owner-occupied. To owner-occupied. A large part of what we do is the investor loans. But most of our investor clients come to us for their primary needs too because we already have their life on file and, and can get that done very competitively   Speaker 0 (00:31:24) - Too. , right? And you keep growing. You're in almost all 50 states now.   Speaker 3 (00:31:27) - I know. Can you believe it? We're in 47 states. We're not in North Dakota, New York, or Vermont, otherwise we're everywhere.   Speaker 0 (00:31:34) - Letter audience know how they can learn about your resources.   Speaker 3 (00:31:37) - There's a couple ways to find us our website, ridge lending group.com. They can email us, info ridge linen group.com. Our toll free is 8 5 5 74 Ridge 8 5 5 7 4 7 4 3 4 3. And while you're on our website gang, uh, check us out on our community. I have a live event every Tuesday, one 30 Pacific, uh, four 30 Eastern. Uh, lots of good information register and it's free. Lots of good information and, and education like we've been talking about here. Hope to see you.   Speaker 0 (00:32:05) - Oh, it's been a terrific and crucial mortgage market update. Chaley Ridge, thanks so much for coming back into the   Speaker 3 (00:32:11) - Show. Thank you. Appreciate it.   Speaker 0 (00:32:18) - Oh yeah, lots of good concise information there from Chaley. It's a type of content that can have you hitting the rewind button on your pod catcher at times. All right, so we learned that in a lot of scenarios there. Second, mortgages come with rather high interest rates that is prohibitive. But then on the other side, it's encouraging to learn, learn that on primary residences, for example, you can get up to 90% loaned value. That means you only need to keep 10% equity in your home. And as far as that all in one loan simulator, we'll put a link directly to that in the show notes for you. But like Chaley said, you might wanna reach out to them@ridgegroup.com and then they can help walk you through it. Thank you to Caeli for the generous contribution to your learning today. Until next week, I'm your host, Keith Weinhold. Don't quit your daydream.   Speaker 5 (00:33:15) - 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 on 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 L l C exclusively.   Speaker 6 (00:33:43) - The preceding program was brought to you by your home for Wealth building. Get rich education.com.

Increasing Revenue by 20% - 200% Mac Attram, MindSpace Coaching   – The Sharkpreneur podcast with Seth Greene Episode 905 Mac Attram Mac Attram is the Founder & CEO of MindSpace Coaching, a leading business growth expert, widely regarded as one of the most sought after Business Coaches and Trainers for Entrepreneurs. He is famous for helping business owners rapidly increase their sales revenues between 20% – 200% in just a few months, as well as implement better processes and build winning business teams so that they can have more time off to enjoy their lives.  Mac had many years of challenges and failures in business before discovering what really works! His tenacity and over 30 years of Martial Arts practice helped him stay focused and disciplined; a trait he takes into all areas of his life including business.  He is an entrepreneur who has developed and sold several profitable companies. He is also a multi-award winning business coach and author, and has been featured as an “expert advisor” in TV, newspapers and magazines. He was previously awarded the ‘Executive Coach of the Year' in the UK.  The principles he learned in business and now teaches to others has helped him earn millions for himself and for his clients. Mac has also trained and coached over 100,000 business owners & individuals from all over the world in more than 30 countries and has shared the stage with some of the world's premier thought-leaders, entrepreneurs & speakers, including Robert Kiyosaki, T.Harv Eker, Blair Singer, Les Brown, Keith Cunningham, James Caan, Eric Thomas, Lady Michelle Mone and Duncan Bannatyne.    Listen to this informative Sharkpreneur episode with Mac Attram about increasing revenue by 20% - 200%. Here are some of the beneficial topics covered on this week's show: - How learning from experience is key when you want to be an entrepreneur. - Why profitable businesses should be designed to create wealth. - What the difference between income and wealth is, and how you should build your business as an asset. - How wealth is what you have when you aren't relying on an income. - How thoughts shape your financial destiny.   Connect with Mac: Guest Contact Info Twitter @macattram Instagram @macattram Facebook facebook.com/macattrampage LinkedIn linkedin.com/in/macattram   Links Mentioned: mindspacecoaching.com   Learn more about your ad choices. Visit megaphone.fm/adchoices

Battlefield to Boardroom - Military Leadership applied in the corporate WORLD | Brig. Sushil Bhasin | #TGV281“The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy.”— Dr. Martin Luther KingTune into #TGV281 to get clarity on the above topic. Here are the timestamp-based pointers from Sushil Bhasin's conversation with Naveen Samala0:00:00 INTRODUCTION AND CONTEXT SETTING 0:02:45 Sushil's PROFESSIONAL JOURNEY AND THE TOP 3 THINGS THAT HELPED IN His SUCCESS0:05:45 Toughest lessons learned during his military days 0:10:18 How Military leadership is different from general leadership?0:20:00 Getting trained by world-class global trainers like Jack Canfield, Anthony Robbins, Brian Tracy, T Harv Eker, Bob Nelson, Blair Singer, Michael Losier, and John Foppe…0:30:00 Being time conscious rather than managing time… (nuances from your book Million Dollar Second)0:40:00 WITTY ANSWERS TO THE RAPID-FIRE QUESTIONS0:46:00 ONE PIECE OF ADVICE TO THOSE ASPIRING TO MAKE BIG IN THEIR CAREERS 0:47:10 TRIVIA ABOUT the US presidents ABOUT THE GUEST Sushil Bhasin:As a Life Transformational Coach, Professional Speaker, and Author; He is passionate about making a difference. He loves achieving and contributing to outcome-focused results. He empowers his learners through transformational seminars, customized indoor sessions, energizing outbound programs, innovative and engaging Virtual sessions, and insightful one-to-one personalized coaching. He is the author of six books. his first book, 'Design Your Life' was published in 2017. Another book…MILLION DOLLAR SECOND,' published by CNBC TV18 and endorsed by Brian Tracy is his superhit bestseller. Connect with Sushil Bhasin:https://www.linkedin.com/in/brigsushilbhasin/CONNECT WITH THE HOST ON LINKEDIN:Naveen Samala: https://www.linkedin.com/in/naveensamalahttp://www.naveensamala.comFOLLOW ON TWITTER:@guidingvoice@naveensamala Hosted on Acast. See acast.com/privacy for more information.

Entrepreneurial Success - INTERVIEW with Blair Singer - author of the books “Summit Leadership” & “Sales Dogs” will help you succeed as he dives into entrepreneurial mindset.

Viktor Frankl's classic ‘Mans Search for Meaning' focused on love, hope, responsibility, inner freedom, and the beauty found in both nature and art to overcome the most harrowing of experiences. Having endured the pandemic, and now in a rapidly changing world where we often don't know what to believe, his messages are as valuable as ever. It is in this search for meaning that businesses leaders must change their ways if they are to attract, build and retain highly motivated and loyal employees and suppliers. In return contributing to a better world whilst delivering great financial results. My guest, Blair Singer, is the founder and CEO of the Blair Singer Training Academy, and author of four best-selling books. Blair is an in-demand international public speaker. With teachings spanning 25 countries on five continents, he's helped hundreds of thousands of individuals and businesses experience unparalleled growth, return on investment and overall happiness. Join us as we discuss Blair's perspectives on a more meaningful leadership paradigm that is essential for a better and more loyal future for us all.

Viktor Frankl's classic ‘Mans Search for Meaning' focused on love, hope, responsibility, inner freedom, and the beauty found in both nature and art to overcome the most harrowing of experiences. Having endured the pandemic, and now in a rapidly changing world where we often don't know what to believe, his messages are as valuable as ever. It is in this search for meaning that businesses leaders must change their ways if they are to attract, build and retain highly motivated and loyal employees and suppliers. In return contributing to a better world whilst delivering great financial results. My guest, Blair Singer, is the founder and CEO of the Blair Singer Training Academy, and author of four best-selling books. Blair is an in-demand international public speaker. With teachings spanning 25 countries on five continents, he's helped hundreds of thousands of individuals and businesses experience unparalleled growth, return on investment and overall happiness. Join us as we discuss Blair's perspectives on a more meaningful leadership paradigm that is essential for a better and more loyal future for us all.

Recently I delivered a keynote at Malaysia Leadership Summit 2022 on the topic “Inside The Minds of Successful People”. I was touched by how many people walked up to me after the presentation and shared that my message resonated deeply with them. Hence, sharing a part of it with all of you here on the podcast. Let's talk about what success means to us in our modern post-pandemic days…  ABOUT YANAYana is a global speaker, conscious leaders coach, transformational teacher, award-winning poetess, and soul illuminator, who inspires, empowers, and educates globally. Yana is the founder of Timeless Teachings Podcast and Awaken Human. Her clients and students come from 30+ countries and highly diverse backgrounds. Yana has just finished her one year spiritual sabbatical journey that she started in the midst of the pandemic during the summer of 2021. Currently she is writing a book, travelling and teaching around the world.      Next Steps:LISTEN to more interviews and follow our IG account here ►https://linktr.ee/timelessteachings  CONNECT with Yana Fry on Social Media here ►Instagram: https://www.instagram.com/yanafryTT Instagram: https://www.instagram.com/thetimelessteachingsFacebook: https://www.facebook.com/yana.fry.1LinkedIn: https://www.linkedin.com/in/yanafry  Like this episode?Subscribe to Timeless Teachings podcast on iTunes, Spotify, Google, or your favourite podcasting app. Share this with your friends on social media and post a screenshot of you listening on Instagram & tag us so we can thank you personally!

As an international speaker, bestselling author, Rich Dad Advisor, trainer, and consultant, Blair Singer has helped tens of thousands of people increase their sales and income 15-85% in an average of just 6 weeks using experiential training that generates results before participants even leave the program. Blair's goal is to help you develop the skills and mindset to achieve your personal and business goals faster than you ever thought possible. As a keynote speaker and seminar leader, Blair has shared the stage with Tony Robbins, Robert Kiyosaki, President Clinton, T. Harv Eker and other leaders in the industry on stages across more than 35 countries. He wrote SaleDogs, a bestselling book translated into more than 15 languages. He speaks to corporate and public audiences on the subjects of Personal and Professional Development. His life-changing, experiential programs on sales, leadership, building champion teams, and facilitation create immediate transformations that yield long-term results.   In this episode, let's learn about peak sales performance from the master himself! _________________________________________________________   Rajeev Mudumba's Website: www.rajeevmudumba.com   Plan B Success Podcast: Available on your favorite platform including iTunes @ https://apple.co/2JCSysL?ls=1 or www.planbsuccess.live or www.planb.live   https://www.planbsuccessschool.thinkific.com - You can be a successful Entrepreneur and can do a LOT with your very own podcast. Follow Rajeev's FREE training & you'll discover How to ideate, create, launch, monetize and grow your podcast in just a couple of hours!   Rajeev's Book - My Inspiration: Quotes that shaped my self-improvement journey - Available on Amazon Worldwide on your local Amazon site or @https://amzn.to/2JG1DRL   Plan B Success YouTube Channel: http://bit.ly/2YegieF   Medium Articles: https://rajeevmudumba.medium.com   LinkedIn: https://www.linkedin.com/in/rajeevmud...   Facebook Plan B Success Page: https://www.facebook.com/planbsuccess...   Facebook My Inspiration Book Page: https://www.facebook.com/myinspiratio...   Instagram: @hifromraj1

Blair Singer is the world's leading authority in the training industry. In this interview, I get into his mind to understand how he thinks and how he has been able to impact thousands of trainers over the last three decades. If you found this podcast helpful, please drop a 5-star review on Apple or Spotify.Resources:Free Course - http://sidz.co/blueprintFree Webinar - http://sidz.co/live

As a best-selling author, Rich Dad Advisor and one-of-a kind teacher, his unique messages and unconventional style have supported business owners, entrepreneurs and leaders worldwide.  His focus is to help them increase sales, build champion level teams and make huge differences in their industries.  Blair Singer Training Academy Facebook – https://www.facebook.com/blairsingerofficial Instagram – https://www.instagram.com/blair.singer/ YouTube – https://www.youtube.com/c/BlairSingerSpeaker LinkedIn - https://www.linkedin.com/in/blairsinger/ Twitter - https://twitter.com/blairsinger Books & Topics to Checkout: Team Code of Honor  Rich Dad Poor Dad Buckminster Fuller

Làm Chủ Giọng Nói Trong Đầu - Blair Singer

Blair Singer is founder and CEO of his own Training Academy. He is also an author of three best-selling books and an international public speaker.He's helped hundreds of thousands of individuals and businesses across 25 countries experience unparalleled growth, gain return on investment and overall happiness. He does this by shaking up the status quo, empowering people to claim their own brilliance and achieve profound life-changing results.Listen into this podcast episode about his journey AND much more...Including his best advice on how to build a big thriving team.  Links mentioned in this episode:Learn more about Blair Singer and his free trainings at www.BlairSinger.com & www.bsta.tvAnd...learn how to diversify your income by adding passive income streams here.

7 Principles of Sales Success - INTERVIEW Blair Singer author of "Sales Dogs" and soon to be released "Summit Leadership". Blair Singer will help you to sell anything to anyone. 

In this Season 1 finale episode, we chat with singer-songwriter Quinton Blair from Manitoba, Canada. We discussed how he approaches his songwriting craft, the art of story telling to captivate audiences and how he balances his successful music adventures with family and career. --- Send in a voice message: https://anchor.fm/ptbasementsessions/message

As the economy worsens, Robert Kiyosaki suspects that lawsuits will increase. Today's guest says in times of stress, litigation goes up and he advises our listeners who are entrepreneurs to increase their asset protection. Garrett Sutton, Rich Dad Advisor and author of the book Veil Not Fail says, “People set it up online, and they don't know they have ongoing formalities, and they learn the hard way.” In 50% of all cases, people are able to pierce through the corporate veil and get at your personal assets. Host Robert Kiyosaki and guest host Blair Singer are joined by guest Garrett Sutton to discuss the #1 mistake entrepreneurs make and how to avoid it.

Robert Kiyosaki says business is a team sport, and to lead your team, you need to be a great leader. Today's guest explains what it takes to build, grow, and scale your business through leadership. Blair Singer, Rich Dad Advisor, entrepreneur, and communications specialist says, “If you're going to go from the S-Quadrant to the B-Quadrant then that's a different skill set that's not taught in school.” Singer draws on his experience of climbing Mt. Kilimanjaro, and that getting to the top is only halfway, and the key to success is preparation. Host Robert Kiyosaki and guest Blair Singer discuss what it takes to take your team to the top, and what it takes to be a top leader in your company.

Episode Type: Inspirational People Welcome to another Inspirational People interview episode of the Share Life podcast. In this discussion, I'm speaking with Jason Tyne, a speaker, author, and entrepreneur empowering leaders around the world through his organization, Success Factory while also teaching globally alongside other successful leaders like Daymond John, Sara Blakely, and Tony Robbins. He's also a husband, father, and student of human capacity with a strong foundation grounded in his relationship with God. Jason and I connected over 14 years ago when he was involved with an organization founded by Blair Singer, a Rich Dad Poor Dad Advisor. Jason's former company was a client of my former marketing agency where we worked together in some successful and failed ways. After the shut down of my marketing business in 2014, we reconnected to debrief the lessons learned from that season of working together, and then again in the past few years while both attending the same North Point church campus. Jump into our conversation below where Jason shares his story, how he became passionate about global education, the type of stories that inspire him, how he helps people achieve success, and the way he approaches work and life. Connect With Jason Connect with Jason Tyne on Linkedin or Instagram. Visit Success Factory's website here. To watch this interview and see other photos of Jason, visit the following URL >> https://www.jasonscottmontoya.com/inspiration/people/591-jason-tyne --- Support this podcast: https://anchor.fm/sharelife/support

Summary: Welcome to the Startup Junkies podcast!   This week's show hosts include Jeff Amerine, Davis McEntire, and Grace Gill. They had the opportunity to speak with Blair Singer on all things leadership and sales for this episode. Blair is an international speaker, bestselling author, trainer, advisor, and business consultant. Get out your pen and paper, you will not want to miss this!   Listen to the full episode now!     Shownotes: (1:09) Introducing Blair Singer (6:20) From Sales to Trainer  (8:49) Selling You to Yourself (11:27) Building a Winning Culture (18:53) Teach Them How to Teach (20:45) What's Next for Blair Singer? (24:52) Advice to Younger Self and Closing Remarks     Links: Jeff Amerine Davis McEntire Grace Gill Blair Singer Quotes: “This is the issue of entrepreneurship: It's not so much the customer that's the battle. The toughest sell of all is you selling you to yourself.” (3:01) – Blair Singer   “I see people with great ideas, but they never see the light of day. They're very technically competent, but they can't sell the idea.”  ( 7:29) – Blair Singer   “That's the dream for me. It's to blanket this planet with the best teachers, leaders, and facilitators in the world.” (20:00) – Blair Singer   Sponsored by:  https://www.arkansasedc.com/ https://www.teemyco.com/

An essential ingredient today for being a great leader is the ability to also be an exceptional teacher and facilitator. My guest Blair Singer has earned a worldwide reputation as an expert in sales and business growth. He has also trained some of the best teachers, leaders and facilitators across 25 countries on five continents. Blair is the founder and CEO of the Blair Singer Training Academy, author of three best-selling books and an in-demand international public speaker. He's helped hundreds of thousands of individuals and businesses experience unparalleled growth, return on investment and overall happiness. Join us as we explore why this is so essential and how to become one with a leader and trainer whose achievements in this field are greatly admired across the globe.

Key Takeaways 2:59 Blair Singer's reasoning for writing the book, “Little Voice Mastery”4:23 Where do the little voices come from6:54 Techniques on how to control the little voice12:16 How do people who have not mastered their little voices, still have success?18:57 How to deal with other people's little voicesQuotes“The ‘little voices' are not the real you!” (Blair)(4:34)“We all crave that safety, security, stability but that's kind of the opposite of what helps us grow.” (Jason)(5:45)“One of the techniques of mastering success, is taking relentlessly to all areas of your life” (Blair)(14:11)Links Mentioned:Access to 21 Day Challenge - salonowner.tv/join

Mac Attram is an Entrepreneur, Founder & CEO of MindSpace Business Growth and is best-selling author who dedicates his life to helping other business owners achieve their financial and lifestyle goals. Mac is famous for helping business owners rapidly increase their sales revenues by 20% - 200% in only a few months, implement better processes and build high-performing teams. In 1999, he had a computer company that failed and left him with $ 100,000 in debt,  he decided to change to building a property business and it was with this company that he achieved financial freedom in just 18 months. In search of business success Mac met T Harv Eker who became his coach and took him to a convention in Los Angeles that changed his life. At this convention, Mac became aware of the strategies necessary for his property company to prosper and from there his whole life changed.  Nowadays, Mac has written best-sellers like "Face it & Fix it", "The Millionaire Moment" and *The Inspired Warrior's Code" and has trained and coached tens of thousands of business owners from around the world in over 15 countries, and has shared the stage with some of the world's premier thought leaders, entrepreneurs and speakers, including Robert Kiyosaki, T.Harv Eker, Blair Singer, Les Brown, Keith Cunningham, James Caan and Duncan Bannatyne. In this episode you will learn: The 3 core elements required to make the 6-7 figure shift The mindset shift required to take your business to 7 figures The attributes of the 7 Figure YOU The importance of building the right time to help you to achieve your success Why accountability and commitment to a coach will propel you to achieve your entrepreneurial dreams To Connect With Mac Attram Head to Mac Attram's Website MacAttram.com Connect With Mac Attram On Instagram Mark's wildly successful Group Launcher Live Challenge is opening its doors once more in which, over 14 days, he will work with you to launch a Facebook Group and turn it into a tribe generating HIGH QUALITY leads within days.  Register right here: www.launchyourtribe.com See omnystudio.com/listener for privacy information.

Marco Antonio Regil es un exitoso conductor de radio y televisión y conferencista internacional, activista, vegano con más de 4 millones de seguidores en sus redes sociales y más de 7 millones de descargas en su podcast. A lo largo de sus más de 35 años de carrera ha conducido algunos de los programas de televisión más exitosos en español como son “Atinale al Precio”, “100 Mexicanos Dijeron” y “Minuto Para Ganar”, entre otros. Tras conocer en 2003 a sus queridos mentores y amigos Robert Kiyosaki y Blair Singer autores de “Padre Rico, Padre Pobre”, “Vendedores Perros” y otros best-sellers internacionales, comenzó su camino como emprendedor y coach de crecimiento personal. Unos años más tarde cursó la maestría en Psicología Espiritual en la Universidad de Santa Mónica con los Doctores Ron y Mary Hulnick, autores de los best sellers “Lealtad A Tu Alma” y “Encuentra La Luz En Ti”. Durante los 17 años más recientes de su carrera, ha impartido talleres y cursos sobre Libertad Financiera e Inteligencia Emocional a más de un millón de personas en Estados Unidos, México, Ecuador y otros países de América Latina. En 2020 se unió a la familia de Hotmart con el lanzamiento de su primer curso online, llamado “Alcanza Tus Sueños” que en sólo 6 meses, desde su lanzamiento, cuenta hoy con más de 8,000 estudiantes en más de 30 países en el mundo. --- Support this podcast: https://anchor.fm/karina-velasco/support

Die Network Marketing Radioshow ist ein 100% generischer Podcast.Die Autoren sind beide aktive Network Marketing Profis und teilen ihre Tipps aus mehr als 10 Jahren Erfahrung in der Branche, FABIAN FITZNER - Fabian Fitzner ist Network Marketing Professional, Keynote Speaker, Buchauthor und Podcaster. Vor seiner heutigen Karriere war er klassischer Unternehmer im Fitnessbereich und besaß mehrere Fitnessstudios in Spanien. Er teilte die Bühne bereits mit Größen wie Eric Worre, Brendon Burchard, Darren Hardy und vielen weiteren internationalen Topspeakern und Network Marketing Profis. In Europa ist er einer der meist gebuchten Hosts für generische Network Marketing Veranstaltungen. Seine eigene Organisation umfasst mehrere hunderttausend Partner in über 100 verschiedenen Ländern. Der Umsatz dieser Organisation beläuft sich auf einige Million Euro jährlich. Fabian spricht 4 Sprachen, ist glücklich verheiratet, hält einen Blackbelt im brasilianischen jiu-jitsu und ist leidenschaftlicher Kitesurfer. Seit 2 Jahren lebt er mit seiner Frau Veronika und ihrer Malteser-Hündin Cookie in Dubai. Kontaktiere Fabian über WHATSAPP : http://bit.ly/FabianFitzner Abonniere Fabians YT-channel : https://www.youtube.com/FabianFitzner Fabian Fitzner auf Social Media: https://FabianFitzner.com https://www.linkedin.com/in/fabianfit... https://twitter.com/fitznerfabian https://instagram.com/fabian.fitzner https://www.facebook.com/fabian.fitzn.. MAXIMILIAN FRITZ - Maximilian Fritz ist verheiratet, Vater von zwei Kindern und lebt in Süddeutschland. Er ist seit einigen Jahren erfolgreicher Business-Coach, Speaker und Jury Mitglied in einem internationalen Coaching Verband. Er besitzt ein besonderes Talent für Psychologie und ein großartiges Verständnis für Menschen und wirtschaftliche Zusammenhänge. Bereits seit über 5 Jahren begleitet er Unternehmer, Networker, Führungskräfte, Coaches und Privatpersonen bei Entscheidungs- und Veränderungsprozessen. Sein Wissen und das professionelle Mentorship bei internationalen Top-Ausbildern wie Tony Robbins, Blair Singer oder Marc Galal haben ihm einen steilen Start in der Coaching Branche ermöglicht. Er konnte mittlerweile mehr als 2.500 Menschen auf ihrem Weg begleiten. Maximilian Fritz ist Mitbegründer mehrerer Unternehmen und hat eine internationale Vertriebsorganisation mit über 8.000 Vertriebspartnern aufgebaut. Kontaktiere Maximilian über WHATSAPP : https://bit.ly/MaximilianFritz Abonniere den COACHING INSIDER Podcast: https://www.podcast.de/podcast/774093/ Maximilian Fritz auf Social Media: https://coach-erfolg.de https://instagram.com/maximilianfritzcoaching https://www.facebook.com/maximilian.fritz.7315

Die Network Marketing Radioshow ist ein 100% generischer Podcast.Die Autoren sind beide aktive Network Marketing Profis und teilen ihre Tipps aus mehr als 10 Jahren Erfahrung in der Branche, FABIAN FITZNER - Fabian Fitzner ist Network Marketing Professional, Keynote Speaker, Buchauthor und Podcaster. Vor seiner heutigen Karriere war er klassischer Unternehmer im Fitnessbereich und besaß mehrere Fitnessstudios in Spanien. Er teilte die Bühne bereits mit Größen wie Eric Worre, Brendon Burchard, Darren Hardy und vielen weiteren internationalen Topspeakern und Network Marketing Profis. In Europa ist er einer der meist gebuchten Hosts für generische Network Marketing Veranstaltungen. Seine eigene Organisation umfasst mehrere hunderttausend Partner in über 100 verschiedenen Ländern. Der Umsatz dieser Organisation beläuft sich auf einige Million Euro jährlich. Fabian spricht 4 Sprachen, ist glücklich verheiratet, hält einen Blackbelt im brasilianischen jiu-jitsu und ist leidenschaftlicher Kitesurfer. Seit 2 Jahren lebt er mit seiner Frau Veronika und ihrer Malteser-Hündin Cookie in Dubai. Kontaktiere Fabian über WHATSAPP : http://bit.ly/FabianFitzner Abonniere Fabians YT-channel : https://www.youtube.com/FabianFitzner Fabian Fitzner auf Social Media: https://FabianFitzner.com https://www.linkedin.com/in/fabianfit... https://twitter.com/fitznerfabian https://instagram.com/fabian.fitzner https://www.facebook.com/fabian.fitzn.. MAXIMILIAN FRITZ - Maximilian Fritz ist verheiratet, Vater von zwei Kindern und lebt in Süddeutschland. Er ist seit einigen Jahren erfolgreicher Business-Coach, Speaker und Jury Mitglied in einem internationalen Coaching Verband. Er besitzt ein besonderes Talent für Psychologie und ein großartiges Verständnis für Menschen und wirtschaftliche Zusammenhänge. Bereits seit über 5 Jahren begleitet er Unternehmer, Networker, Führungskräfte, Coaches und Privatpersonen bei Entscheidungs- und Veränderungsprozessen. Sein Wissen und das professionelle Mentorship bei internationalen Top-Ausbildern wie Tony Robbins, Blair Singer oder Marc Galal haben ihm einen steilen Start in der Coaching Branche ermöglicht. Er konnte mittlerweile mehr als 2.500 Menschen auf ihrem Weg begleiten. Maximilian Fritz ist Mitbegründer mehrerer Unternehmen und hat eine internationale Vertriebsorganisation mit über 8.000 Vertriebspartnern aufgebaut. Kontaktiere Maximilian über WHATSAPP : https://bit.ly/MaximilianFritz Abonniere den COACHING INSIDER Podcast: https://www.podcast.de/podcast/774093/ Maximilian Fritz auf Social Media: https://coach-erfolg.de https://instagram.com/maximilianfritzcoaching https://www.facebook.com/maximilian.fritz.7315

Die Network Marketing Radioshow ist ein 100% generischer Podcast.Die Autoren sind beide aktive Network Marketing Profis und teilen ihre Tipps aus mehr als 10 Jahren Erfahrung in der Branche, FABIAN FITZNER - Fabian Fitzner ist Network Marketing Professional, Keynote Speaker, Buchauthor und Podcaster. Vor seiner heutigen Karriere war er klassischer Unternehmer im Fitnessbereich und besaß mehrere Fitnessstudios in Spanien. Er teilte die Bühne bereits mit Größen wie Eric Worre, Brendon Burchard, Darren Hardy und vielen weiteren internationalen Topspeakern und Network Marketing Profis. In Europa ist er einer der meist gebuchten Hosts für generische Network Marketing Veranstaltungen. Seine eigene Organisation umfasst mehrere hunderttausend Partner in über 100 verschiedenen Ländern. Der Umsatz dieser Organisation beläuft sich auf einige Million Euro jährlich. Fabian spricht 4 Sprachen, ist glücklich verheiratet, hält einen Blackbelt im brasilianischen jiu-jitsu und ist leidenschaftlicher Kitesurfer. Seit 2 Jahren lebt er mit seiner Frau Veronika und ihrer Malteser-Hündin Cookie in Dubai. Kontaktiere Fabian über WHATSAPP : http://bit.ly/FabianFitzner Abonniere Fabians YT-channel : https://www.youtube.com/FabianFitzner Fabian Fitzner auf Social Media: https://FabianFitzner.com https://www.linkedin.com/in/fabianfit... https://twitter.com/fitznerfabian https://instagram.com/fabian.fitzner https://www.facebook.com/fabian.fitzn.. MAXIMILIAN FRITZ - Maximilian Fritz ist verheiratet, Vater von zwei Kindern und lebt in Süddeutschland. Er ist seit einigen Jahren erfolgreicher Business-Coach, Speaker und Jury Mitglied in einem internationalen Coaching Verband. Er besitzt ein besonderes Talent für Psychologie und ein großartiges Verständnis für Menschen und wirtschaftliche Zusammenhänge. Bereits seit über 5 Jahren begleitet er Unternehmer, Networker, Führungskräfte, Coaches und Privatpersonen bei Entscheidungs- und Veränderungsprozessen. Sein Wissen und das professionelle Mentorship bei internationalen Top-Ausbildern wie Tony Robbins, Blair Singer oder Marc Galal haben ihm einen steilen Start in der Coaching Branche ermöglicht. Er konnte mittlerweile mehr als 2.500 Menschen auf ihrem Weg begleiten. Maximilian Fritz ist Mitbegründer mehrerer Unternehmen und hat eine internationale Vertriebsorganisation mit über 8.000 Vertriebspartnern aufgebaut. Kontaktiere Maximilian über WHATSAPP : https://bit.ly/MaximilianFritz Abonniere den COACHING INSIDER Podcast: https://www.podcast.de/podcast/774093/ Maximilian Fritz auf Social Media: https://coach-erfolg.de https://instagram.com/maximilianfritzcoaching https://www.facebook.com/maximilian.fritz.7315

Die Network Marketing Radioshow ist ein 100% generischer Podcast.Die Autoren sind beide aktive Network Marketing Profis und teilen ihre Tipps aus mehr als 10 Jahren Erfahrung in der Branche, FABIAN FITZNER - Fabian Fitzner ist Network Marketing Professional, Keynote Speaker, Buchauthor und Podcaster. Vor seiner heutigen Karriere war er klassischer Unternehmer im Fitnessbereich und besaß mehrere Fitnessstudios in Spanien. Er teilte die Bühne bereits mit Größen wie Eric Worre, Brendon Burchard, Darren Hardy und vielen weiteren internationalen Topspeakern und Network Marketing Profis. In Europa ist er einer der meist gebuchten Hosts für generische Network Marketing Veranstaltungen. Seine eigene Organisation umfasst mehrere hunderttausend Partner in über 100 verschiedenen Ländern. Der Umsatz dieser Organisation beläuft sich auf einige Million Euro jährlich. Fabian spricht 4 Sprachen, ist glücklich verheiratet, hält einen Blackbelt im brasilianischen jiu-jitsu und ist leidenschaftlicher Kitesurfer. Seit 2 Jahren lebt er mit seiner Frau Veronika und ihrer Malteser-Hündin Cookie in Dubai. Kontaktiere Fabian über WHATSAPP : http://bit.ly/FabianFitzner Abonniere Fabians YT-channel : https://www.youtube.com/FabianFitzner Fabian Fitzner auf Social Media: https://FabianFitzner.com https://www.linkedin.com/in/fabianfit... https://twitter.com/fitznerfabian https://instagram.com/fabian.fitzner https://www.facebook.com/fabian.fitzn.. MAXIMILIAN FRITZ - Maximilian Fritz ist verheiratet, Vater von zwei Kindern und lebt in Süddeutschland. Er ist seit einigen Jahren erfolgreicher Business-Coach, Speaker und Jury Mitglied in einem internationalen Coaching Verband. Er besitzt ein besonderes Talent für Psychologie und ein großartiges Verständnis für Menschen und wirtschaftliche Zusammenhänge. Bereits seit über 5 Jahren begleitet er Unternehmer, Networker, Führungskräfte, Coaches und Privatpersonen bei Entscheidungs- und Veränderungsprozessen. Sein Wissen und das professionelle Mentorship bei internationalen Top-Ausbildern wie Tony Robbins, Blair Singer oder Marc Galal haben ihm einen steilen Start in der Coaching Branche ermöglicht. Er konnte mittlerweile mehr als 2.500 Menschen auf ihrem Weg begleiten. Maximilian Fritz ist Mitbegründer mehrerer Unternehmen und hat eine internationale Vertriebsorganisation mit über 8.000 Vertriebspartnern aufgebaut. Kontaktiere Maximilian über WHATSAPP : https://bit.ly/MaximilianFritz Abonniere den COACHING INSIDER Podcast: https://www.podcast.de/podcast/774093/ Maximilian Fritz auf Social Media: https://coach-erfolg.de https://instagram.com/maximilianfritzcoaching https://www.facebook.com/maximilian.fritz.7315

Die Network Marketing Radioshow ist ein 100% generischer Podcast.Die Autoren sind beide aktive Network Marketing Profis und teilen ihre Tipps aus mehr als 10 Jahren Erfahrung in der Branche, FABIAN FITZNER - Fabian Fitzner ist Network Marketing Professional, Keynote Speaker, Buchauthor und Podcaster. Vor seiner heutigen Karriere war er klassischer Unternehmer im Fitnessbereich und besaß mehrere Fitnessstudios in Spanien. Er teilte die Bühne bereits mit Größen wie Eric Worre, Brendon Burchard, Darren Hardy und vielen weiteren internationalen Topspeakern und Network Marketing Profis. In Europa ist er einer der meist gebuchten Hosts für generische Network Marketing Veranstaltungen. Seine eigene Organisation umfasst mehrere hunderttausend Partner in über 100 verschiedenen Ländern. Der Umsatz dieser Organisation beläuft sich auf einige Million Euro jährlich. Fabian spricht 4 Sprachen, ist glücklich verheiratet, hält einen Blackbelt im brasilianischen jiu-jitsu und ist leidenschaftlicher Kitesurfer. Seit 2 Jahren lebt er mit seiner Frau Veronika und ihrer Malteser-Hündin Cookie in Dubai. Kontaktiere Fabian über WHATSAPP : http://bit.ly/FabianFitzner Abonniere Fabians YT-channel : https://www.youtube.com/FabianFitzner Fabian Fitzner auf Social Media: https://FabianFitzner.com https://www.linkedin.com/in/fabianfit... https://twitter.com/fitznerfabian https://instagram.com/fabian.fitzner https://www.facebook.com/fabian.fitzn.. MAXIMILIAN FRITZ - Maximilian Fritz ist verheiratet, Vater von zwei Kindern und lebt in Süddeutschland. Er ist seit einigen Jahren erfolgreicher Business-Coach, Speaker und Jury Mitglied in einem internationalen Coaching Verband. Er besitzt ein besonderes Talent für Psychologie und ein großartiges Verständnis für Menschen und wirtschaftliche Zusammenhänge. Bereits seit über 5 Jahren begleitet er Unternehmer, Networker, Führungskräfte, Coaches und Privatpersonen bei Entscheidungs- und Veränderungsprozessen. Sein Wissen und das professionelle Mentorship bei internationalen Top-Ausbildern wie Tony Robbins, Blair Singer oder Marc Galal haben ihm einen steilen Start in der Coaching Branche ermöglicht. Er konnte mittlerweile mehr als 2.500 Menschen auf ihrem Weg begleiten. Maximilian Fritz ist Mitbegründer mehrerer Unternehmen und hat eine internationale Vertriebsorganisation mit über 8.000 Vertriebspartnern aufgebaut. Kontaktiere Maximilian über WHATSAPP : https://bit.ly/MaximilianFritz Abonniere den COACHING INSIDER Podcast: https://www.podcast.de/podcast/774093/ Maximilian Fritz auf Social Media: https://coach-erfolg.de https://instagram.com/maximilianfritzcoaching https://www.facebook.com/maximilian.fritz.7315

Die Network Marketing Radioshow ist ein 100% generischer Podcast.Die Autoren sind beide aktive Network Marketing Profis und teilen ihre Tipps aus mehr als 10 Jahren Erfahrung in der Branche, FABIAN FITZNER - Fabian Fitzner ist Network Marketing Professional, Keynote Speaker, Buchauthor und Podcaster. Vor seiner heutigen Karriere war er klassischer Unternehmer im Fitnessbereich und besaß mehrere Fitnessstudios in Spanien. Er teilte die Bühne bereits mit Größen wie Eric Worre, Brendon Burchard, Darren Hardy und vielen weiteren internationalen Topspeakern und Network Marketing Profis. In Europa ist er einer der meist gebuchten Hosts für generische Network Marketing Veranstaltungen. Seine eigene Organisation umfasst mehrere hunderttausend Partner in über 100 verschiedenen Ländern. Der Umsatz dieser Organisation beläuft sich auf einige Million Euro jährlich. Fabian spricht 4 Sprachen, ist glücklich verheiratet, hält einen Blackbelt im brasilianischen jiu-jitsu und ist leidenschaftlicher Kitesurfer. Seit 2 Jahren lebt er mit seiner Frau Veronika und ihrer Malteser-Hündin Cookie in Dubai. Kontaktiere Fabian über WHATSAPP : http://bit.ly/FabianFitzner Abonniere Fabians YT-channel : https://www.youtube.com/FabianFitzner Fabian Fitzner auf Social Media: https://FabianFitzner.com https://www.linkedin.com/in/fabianfit... https://twitter.com/fitznerfabian https://instagram.com/fabian.fitzner https://www.facebook.com/fabian.fitzn.. MAXIMILIAN FRITZ - Maximilian Fritz ist verheiratet, Vater von zwei Kindern und lebt in Süddeutschland. Er ist seit einigen Jahren erfolgreicher Business-Coach, Speaker und Jury Mitglied in einem internationalen Coaching Verband. Er besitzt ein besonderes Talent für Psychologie und ein großartiges Verständnis für Menschen und wirtschaftliche Zusammenhänge. Bereits seit über 5 Jahren begleitet er Unternehmer, Networker, Führungskräfte, Coaches und Privatpersonen bei Entscheidungs- und Veränderungsprozessen. Sein Wissen und das professionelle Mentorship bei internationalen Top-Ausbildern wie Tony Robbins, Blair Singer oder Marc Galal haben ihm einen steilen Start in der Coaching Branche ermöglicht. Er konnte mittlerweile mehr als 2.500 Menschen auf ihrem Weg begleiten. Maximilian Fritz ist Mitbegründer mehrerer Unternehmen und hat eine internationale Vertriebsorganisation mit über 8.000 Vertriebspartnern aufgebaut. Kontaktiere Maximilian über WHATSAPP : https://bit.ly/MaximilianFritz Abonniere den COACHING INSIDER Podcast: https://www.podcast.de/podcast/774093/ Maximilian Fritz auf Social Media: https://coach-erfolg.de https://instagram.com/maximilianfritzcoaching https://www.facebook.com/maximilian.fritz.7315

Die Network Marketing Radioshow ist ein 100% generischer Podcast.Die Autoren sind beide aktive Network Marketing Profis und teilen ihre Tipps aus mehr als 10 Jahren Erfahrung in der Branche, FABIAN FITZNER - Fabian Fitzner ist Network Marketing Professional, Keynote Speaker, Buchauthor und Podcaster. Vor seiner heutigen Karriere war er klassischer Unternehmer im Fitnessbereich und besaß mehrere Fitnessstudios in Spanien. Er teilte die Bühne bereits mit Größen wie Eric Worre, Brendon Burchard, Darren Hardy und vielen weiteren internationalen Topspeakern und Network Marketing Profis. In Europa ist er einer der meist gebuchten Hosts für generische Network Marketing Veranstaltungen. Seine eigene Organisation umfasst mehrere hunderttausend Partner in über 100 verschiedenen Ländern. Der Umsatz dieser Organisation beläuft sich auf einige Million Euro jährlich. Fabian spricht 4 Sprachen, ist glücklich verheiratet, hält einen Blackbelt im brasilianischen jiu-jitsu und ist leidenschaftlicher Kitesurfer. Seit 2 Jahren lebt er mit seiner Frau Veronika und ihrer Malteser-Hündin Cookie in Dubai. Kontaktiere Fabian über WHATSAPP : http://bit.ly/FabianFitzner Abonniere Fabians YT-channel : https://www.youtube.com/FabianFitzner Fabian Fitzner auf Social Media: https://FabianFitzner.com https://www.linkedin.com/in/fabianfit... https://twitter.com/fitznerfabian https://instagram.com/fabian.fitzner https://www.facebook.com/fabian.fitzn.. MAXIMILIAN FRITZ - Maximilian Fritz ist verheiratet, Vater von zwei Kindern und lebt in Süddeutschland. Er ist seit einigen Jahren erfolgreicher Business-Coach, Speaker und Jury Mitglied in einem internationalen Coaching Verband. Er besitzt ein besonderes Talent für Psychologie und ein großartiges Verständnis für Menschen und wirtschaftliche Zusammenhänge. Bereits seit über 5 Jahren begleitet er Unternehmer, Networker, Führungskräfte, Coaches und Privatpersonen bei Entscheidungs- und Veränderungsprozessen. Sein Wissen und das professionelle Mentorship bei internationalen Top-Ausbildern wie Tony Robbins, Blair Singer oder Marc Galal haben ihm einen steilen Start in der Coaching Branche ermöglicht. Er konnte mittlerweile mehr als 2.500 Menschen auf ihrem Weg begleiten. Maximilian Fritz ist Mitbegründer mehrerer Unternehmen und hat eine internationale Vertriebsorganisation mit über 8.000 Vertriebspartnern aufgebaut. Kontaktiere Maximilian über WHATSAPP : https://bit.ly/MaximilianFritz Abonniere den COACHING INSIDER Podcast: https://www.podcast.de/podcast/774093/ Maximilian Fritz auf Social Media: https://coach-erfolg.de https://instagram.com/maximilianfritzcoaching https://www.facebook.com/maximilian.fritz.7315

Die Network Marketing Radioshow ist ein 100% generischer Podcast.Die Autoren sind beide aktive Network Marketing Profis und teilen ihre Tipps aus mehr als 10 Jahren Erfahrung in der Branche, FABIAN FITZNER - Fabian Fitzner ist Network Marketing Professional, Keynote Speaker, Buchauthor und Podcaster. Vor seiner heutigen Karriere war er klassischer Unternehmer im Fitnessbereich und besaß mehrere Fitnessstudios in Spanien. Er teilte die Bühne bereits mit Größen wie Eric Worre, Brendon Burchard, Darren Hardy und vielen weiteren internationalen Topspeakern und Network Marketing Profis. In Europa ist er einer der meist gebuchten Hosts für generische Network Marketing Veranstaltungen. Seine eigene Organisation umfasst mehrere hunderttausend Partner in über 100 verschiedenen Ländern. Der Umsatz dieser Organisation beläuft sich auf einige Million Euro jährlich. Fabian spricht 4 Sprachen, ist glücklich verheiratet, hält einen Blackbelt im brasilianischen jiu-jitsu und ist leidenschaftlicher Kitesurfer. Seit 2 Jahren lebt er mit seiner Frau Veronika und ihrer Malteser-Hündin Cookie in Dubai. Kontaktiere Fabian über WHATSAPP : http://bit.ly/FabianFitzner Abonniere Fabians YT-channel : https://www.youtube.com/FabianFitzner Fabian Fitzner auf Social Media: https://FabianFitzner.com https://www.linkedin.com/in/fabianfit... https://twitter.com/fitznerfabian https://instagram.com/fabian.fitzner https://www.facebook.com/fabian.fitzn.. MAXIMILIAN FRITZ - Maximilian Fritz ist verheiratet, Vater von zwei Kindern und lebt in Süddeutschland. Er ist seit einigen Jahren erfolgreicher Business-Coach, Speaker und Jury Mitglied in einem internationalen Coaching Verband. Er besitzt ein besonderes Talent für Psychologie und ein großartiges Verständnis für Menschen und wirtschaftliche Zusammenhänge. Bereits seit über 5 Jahren begleitet er Unternehmer, Networker, Führungskräfte, Coaches und Privatpersonen bei Entscheidungs- und Veränderungsprozessen. Sein Wissen und das professionelle Mentorship bei internationalen Top-Ausbildern wie Tony Robbins, Blair Singer oder Marc Galal haben ihm einen steilen Start in der Coaching Branche ermöglicht. Er konnte mittlerweile mehr als 2.500 Menschen auf ihrem Weg begleiten. Maximilian Fritz ist Mitbegründer mehrerer Unternehmen und hat eine internationale Vertriebsorganisation mit über 8.000 Vertriebspartnern aufgebaut. Kontaktiere Maximilian über WHATSAPP : https://bit.ly/MaximilianFritz Abonniere den COACHING INSIDER Podcast: https://www.podcast.de/podcast/774093/ Maximilian Fritz auf Social Media: https://coach-erfolg.de https://instagram.com/maximilianfritzcoaching https://www.facebook.com/maximilian.fritz.7315

Die Network Marketing Radioshow ist ein 100% generischer Podcast.Die Autoren sind beide aktive Network Marketing Profis und teilen ihre Tipps aus mehr als 10 Jahren Erfahrung in der Branche, FABIAN FITZNER - Fabian Fitzner ist Network Marketing Professional, Keynote Speaker, Buchauthor und Podcaster. Vor seiner heutigen Karriere war er klassischer Unternehmer im Fitnessbereich und besaß mehrere Fitnessstudios in Spanien. Er teilte die Bühne bereits mit Größen wie Eric Worre, Brendon Burchard, Darren Hardy und vielen weiteren internationalen Topspeakern und Network Marketing Profis. In Europa ist er einer der meist gebuchten Hosts für generische Network Marketing Veranstaltungen. Seine eigene Organisation umfasst mehrere hunderttausend Partner in über 100 verschiedenen Ländern. Der Umsatz dieser Organisation beläuft sich auf einige Million Euro jährlich. Fabian spricht 4 Sprachen, ist glücklich verheiratet, hält einen Blackbelt im brasilianischen jiu-jitsu und ist leidenschaftlicher Kitesurfer. Seit 2 Jahren lebt er mit seiner Frau Veronika und ihrer Malteser-Hündin Cookie in Dubai. Kontaktiere Fabian über WHATSAPP : http://bit.ly/FabianFitzner Abonniere Fabians YT-channel : https://www.youtube.com/FabianFitzner Fabian Fitzner auf Social Media: https://FabianFitzner.com https://www.linkedin.com/in/fabianfit... https://twitter.com/fitznerfabian https://instagram.com/fabian.fitzner https://www.facebook.com/fabian.fitzn.. MAXIMILIAN FRITZ - Maximilian Fritz ist verheiratet, Vater von zwei Kindern und lebt in Süddeutschland. Er ist seit einigen Jahren erfolgreicher Business-Coach, Speaker und Jury Mitglied in einem internationalen Coaching Verband. Er besitzt ein besonderes Talent für Psychologie und ein großartiges Verständnis für Menschen und wirtschaftliche Zusammenhänge. Bereits seit über 5 Jahren begleitet er Unternehmer, Networker, Führungskräfte, Coaches und Privatpersonen bei Entscheidungs- und Veränderungsprozessen. Sein Wissen und das professionelle Mentorship bei internationalen Top-Ausbildern wie Tony Robbins, Blair Singer oder Marc Galal haben ihm einen steilen Start in der Coaching Branche ermöglicht. Er konnte mittlerweile mehr als 2.500 Menschen auf ihrem Weg begleiten. Maximilian Fritz ist Mitbegründer mehrerer Unternehmen und hat eine internationale Vertriebsorganisation mit über 8.000 Vertriebspartnern aufgebaut. Kontaktiere Maximilian über WHATSAPP : https://bit.ly/MaximilianFritz Abonniere den COACHING INSIDER Podcast: https://www.podcast.de/podcast/774093/ Maximilian Fritz auf Social Media: https://coach-erfolg.de https://instagram.com/maximilianfritzcoaching https://www.facebook.com/maximilian.fritz.7315

Die Network Marketing Radioshow ist ein 100% generischer Podcast.Die Autoren sind beide aktive Network Marketing Profis und teilen ihre Tipps aus mehr als 10 Jahren Erfahrung in der Branche, FABIAN FITZNER - Fabian Fitzner ist Network Marketing Professional, Keynote Speaker, Buchauthor und Podcaster. Vor seiner heutigen Karriere war er klassischer Unternehmer im Fitnessbereich und besaß mehrere Fitnessstudios in Spanien. Er teilte die Bühne bereits mit Größen wie Eric Worre, Brendon Burchard, Darren Hardy und vielen weiteren internationalen Topspeakern und Network Marketing Profis. In Europa ist er einer der meist gebuchten Hosts für generische Network Marketing Veranstaltungen. Seine eigene Organisation umfasst mehrere hunderttausend Partner in über 100 verschiedenen Ländern. Der Umsatz dieser Organisation beläuft sich auf einige Million Euro jährlich. Fabian spricht 4 Sprachen, ist glücklich verheiratet, hält einen Blackbelt im brasilianischen jiu-jitsu und ist leidenschaftlicher Kitesurfer. Seit 2 Jahren lebt er mit seiner Frau Veronika und ihrer Malteser-Hündin Cookie in Dubai. Kontaktiere Fabian über WHATSAPP : http://bit.ly/FabianFitzner Abonniere Fabians YT-channel : https://www.youtube.com/FabianFitzner Fabian Fitzner auf Social Media: https://FabianFitzner.com https://www.linkedin.com/in/fabianfit... https://twitter.com/fitznerfabian https://instagram.com/fabian.fitzner https://www.facebook.com/fabian.fitzn.. MAXIMILIAN FRITZ - Maximilian Fritz ist verheiratet, Vater von zwei Kindern und lebt in Süddeutschland. Er ist seit einigen Jahren erfolgreicher Business-Coach, Speaker und Jury Mitglied in einem internationalen Coaching Verband. Er besitzt ein besonderes Talent für Psychologie und ein großartiges Verständnis für Menschen und wirtschaftliche Zusammenhänge. Bereits seit über 5 Jahren begleitet er Unternehmer, Networker, Führungskräfte, Coaches und Privatpersonen bei Entscheidungs- und Veränderungsprozessen. Sein Wissen und das professionelle Mentorship bei internationalen Top-Ausbildern wie Tony Robbins, Blair Singer oder Marc Galal haben ihm einen steilen Start in der Coaching Branche ermöglicht. Er konnte mittlerweile mehr als 2.500 Menschen auf ihrem Weg begleiten. Maximilian Fritz ist Mitbegründer mehrerer Unternehmen und hat eine internationale Vertriebsorganisation mit über 8.000 Vertriebspartnern aufgebaut. Kontaktiere Maximilian über WHATSAPP : https://bit.ly/MaximilianFritz Abonniere den COACHING INSIDER Podcast: https://www.podcast.de/podcast/774093/ Maximilian Fritz auf Social Media: https://coach-erfolg.de https://instagram.com/maximilianfritzcoaching https://www.facebook.com/maximilian.fritz.7315

In today's episode, I will answer a listener's question about my experience and lessons I learned in corporate sales.The ability to sell is on one of the most important skills an investor and entrepreneur can have and it can be learned and improved upon daily. You need to be able to communicate your message and the value you are providing the world with your products and services. Please let me know your thoughts on Twitter @mclaubscher.   Bestselfco., Make Success a Habit! Use the Self Journal to organize and align tactical day to day tasks with larger life goals. Key Take Aways: Provide as much value humanly possible and don't ask for anything in return Listen to your prospects! Really listen! Try to identify the problem your prospect needs to solve Why learning how to sell is very important if you want to start your own business How to approach two different prospect profiles The Perry Marshall lesson – focus on outcomes and benefits, not features and the product!   Bestselfco., Make Success a Habit! Use the Self Journal to organize and align tactical day to day tasks with larger life goals.   Quote: Nobody who bought a drill actually wanted a drill. They wanted a hole. Therefore, if you want to sell drills, you should advertise information about making holes – NOT information about drills! - Perry Marshall Recommended Book: 80/20 Sales and Marketing: The Definitive Guide to Working Less and Making More by Perry Marshall   Recommended Resources: Blair Singer's Virtual Training Academy, one of the best sales training programs out there and Blair is also adding a course on team building which is another essential skill for entrepreneurs and business owners. Blair Singer is a Rich Dad Advisor.     Show Sponsors: Audible, download any audio book for free when you try audible for 30 days. Thrive15.com, get a free month of access at www.thrive15.com/cashflow   Show Transcript   Enter the Launch Give away contest to win a $500.00 Visa Gift Card! During the first two months of our podcast we are giving away a $500.00 dollar Visa gift card.  To enter into the drawing, go to www.cashflowninja.com/Itunes and rate, review and subscribe to our podcast. Have some feedback you'd like to share? Leave a note in the comment section below and please share it using the social media buttons you see at the bottom of the post! If you enjoyed this episode of our podcast, please leave an honest review for The Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. John Lee Dumas of EOfire.com made a video explaining how to leave a review you can watch here. You can also access step by step instructions how to subscribe, rate and review on Itunes from Apple here. Thank you for supporting our podcast and sharing it with friends and family! Live a Life of passion and purpose on your terms, M.C Laubscher