Podcasts about chartered accountants

In this inspiring episode of The MisFitNation, host Rich LaMonica welcomes Nic Nierras, a former Chartered Accountant turned Transformational Coach and RTT Therapist. Nic's story is a powerful testament to the courage it takes to step away from societal expectations and create a life rooted in purpose, fulfillment, and holistic well-being. After years of corporate success, Nic realized that climbing the ladder wasn't enough—there was something deeper missing. Through personal healing and introspection, she discovered powerful methodologies that helped her redefine success and empower others to do the same. Today, as the founder of Nic Nierras Wholistic Lifestyle, she helps individuals break free from limiting beliefs, overcome self-doubt, anxiety, and imposter syndrome, and transform their relationships, careers, and financial mindset.

Join Sian Murphy on the Women in Business Radio Show as Stacey Foster courageously shares her transformative business story. Dive into a raw, inspiring conversation about entrepreneurial challenges, navigating failure, and rebuilding with integrity. Learn how one chartered accountant turned a near-catastrophic business collapse into a powerful lesson of resilience, self-trust, and professional growth.Key insights include:Breaking through the paralyzing shame of business setbacksUnderstanding the importance of financial transparencyStrategies for rebuilding after unexpected business challengesThe power of trusting your instincts in entrepreneurshipPerfect for business owners, entrepreneurs, and anyone seeking motivation to overcome professional obstacles, this episode reveals that failure isn't the end—it's a crucial stepping stone to success.Created and hosted by Sian Murphy with regular co-hosts Michele Yianni Attard, Kay Best, Rachael Bryant and occasionally Adelle Martin.Find out how to be a guest or patron of the show at https://thewomeninbusinessradioshow.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-women-in-business-radio-show--1228431/support.

In this episode of Paisa Vaisa, Anupam Gupta hosts CA Anand Bathiya, President of the Bombay Chartered Accountants Society (BCAS), to delve into the pivotal role of Chartered Accountants in India's financial ecosystem, how BCAS plays an important role for CAs and more.

The battle for PMO relevance has never been more challenging. In this essential conversation, we explore what it takes to make enterprise portfolio management successful beyond frameworks and templates. Our guest, Ryan Chaffey, Divisional Manager of the Enterprise PMO at Yarra Valley Water, brings a powerful perspective to the discussion, drawing on his extensive background in steering strategic planning, portfolio management, and governance frameworks across various industries, including Telecommunications, Financial Services, Entertainment, Education, and the Public Sector.Ryan shares his journey from Chartered Accountant to PMO leader, explaining how his financial expertise, reinforced by his CPA and PMP certifications, naturally bridges the gap between strategy, finance, and delivery. We unpack his "Holy Trinity" concept of alignment, explore why organisations often struggle with benefits realisation (hint: 90% a cultural problem), and examine the political realities of project prioritisation and the essential role of psychological safety in governance frameworks.Beyond his leadership at Yarra Valley Water, Ryan has spent three years leading the AIPM PMO Community of Practice, working to establish it as the premier PMO network in Australia, recognised for delivering high-quality professional development content. His wealth of experience in capital budgeting, strategic planning, and enterprise portfolio management shines through as we delve into practical insights, such as "Minimum Viable Governance," overcoming capability gaps in PPM tool rollouts, and building accountability systems that genuinely work. Whether you're establishing a PMO, revitalising one, or seeking to connect portfolios to business outcomes better, this episode delivers real-world strategies you can apply immediately. Connect with Ryan Chaffey on LinkedIn to continue learning from his expertise across multiple transformation contexts.In this episode, we discuss: 0:00 Personal Life and Work Updates14:03 Ryan's Journey to PMO Leadership21:15 Communicating PMO Value to Executives27:06 Turning Strategy into Actionable Programs32:10 Benefits Realisation Challenges38:49 Project Prioritisation and Governance44:45 Stopping ProjSupport the showThank you for listening to Agile Ideas! If you enjoyed this episode, please share it with someone who might benefit from our discussions. Remember to rate us on your preferred podcast platform and follow us on social media for updates and more insightful content.Thank you for listening. If you enjoyed this episode, I'd really appreciate it if you could share it with your friends and rate us. Let's spread the #AgileIdeas together! We'd like to hear any feedback. www.agilemanagementoffice.com/contact Don't miss out on exclusive access to special events, checklists, and blogs that are not available everywhere. Subscribe to our newsletter now at www.agilemanagementoffice.com/subscribe. You can also find us on most social media channels by searching 'Agile Ideas'. Follow me, your host, on LinkedIn - go to Fatimah Abbouchi - www.linkedin.com/in/fatimahabbouchi/ For all things Agile Ideas and to stay connected, visit our website below. It's your one-stop destination for all our episodes, blogs, and more. We hope you found today's episode enlightening. Until next time, keep innovating and exploring new Agile Ideas!Learn more about podcast host Fatimah Abbouchi...

Instead of a lounge, we’re in the garage of Lyle Solomon, a Namibian-born medical nanotech graduate who traded lab work for lights, mics, and media production. Here, he built the Gen C podcast studio with his friends, handling all the sound, post-production, and social media. Lyle met Rizaan Rose at UWC, now 31 and a programme manager at The Tomorrow Trust, uplifting underprivileged learners. Rizaan co-hosts Gen C with lifelong friend JP Jackson, 30, a Chartered Accountant, finance manager, husband, and father. We join them in their creative hub to talk friendship, passion projects, and building something from the ground up. Good Morning Cape Town with Lester Kiewit is a podcast of the CapeTalk breakfast show. This programme is your authentic Cape Town wake-up call. Good Morning Cape Town with Lester Kiewit is informative, enlightening and accessible. The team’s ability to spot & share relevant and unusual stories make the programme inclusive and thought-provoking. Don’t miss the popular World View feature at 7:45am daily. Listen out for #LesterInYourLounge which is an outside broadcast – from the home of a listener in a different part of Cape Town - on the first Wednesday of every month. This show introduces you to interesting Capetonians as well as their favourite communities, habits, local personalities and neighbourhood news. Thank you for listening to a podcast from Good Morning Cape Town with Lester Kiewit. Listen live – Good Morning CapeTalk with Lester Kiewit is broadcast weekdays between 06:00 and 09:00 (SA Time) https://www.primediaplus.com/station/capetalk Find all the catch-up podcasts here https://www.primediaplus.com/capetalk/good-morning-cape-town-with-lester-kiewit/audio-podcasts/good-morning-cape-town-with-lester-kiewit/ Subscribe to the CapeTalk daily and weekly newsletters https://www.primediaplus.com/competitions/newsletter-subscription/ Follow us on social media: CapeTalk on Facebook: www.facebook.com/CapeTalk   CapeTalk on TikTok: www.tiktok.com/@capetalk   CapeTalk on Instagram: www.instagram.com/capetalkza  CapeTalk on X: www.x.com/CapeTalk  CapeTalk on YouTube: www.youtube.com/@CapeTalk567  See omnystudio.com/listener for privacy information.

Last week, the UK economy grappled with escalating global trade tensions. UK inflation eased more than expected in March, with headline Consumer Price Index (“CPI”) falling to 2.6% from 2.8%, fuelling expectations of a Bank of England (“BoE”) interest rate cut in May. Core and services inflation also edged lower, reinforcing the view that monetary policy may soon shift. Economists noted tariffs might prove disinflationary, especially with weaker domestic growth. Markets are now almost fully pricing in three rate cuts this year. However, policymakers face uncertainty, with BoE policymaker Megan Greene highlighting the unpredictable impact of US tariffs and dollar weakness on UK inflation. Labour market signals remained mixed: claimant count rose and payrolled employment fell, but job postings climbed 3.3%, business sentiment weakened, CFOs grew defensive and the Institute of Chartered Accountants in England and Wales (“ICAEW”) confidence turned negative...Stocks featured:Bunzl, Endeavour Mining and J SainsburyTo find out more about the investment management services offered by Walker Crips, please visit our website:https://www.walkercrips.co.uk/This podcast is intended to be Walker Crips Investment Management's own commentary on markets. It is not investment research and should not be construed as an offer or solicitation to buy, sell or trade in any of the investments, sectors or asset classes mentioned. The value of any investment and the income arising from it is not guaranteed and can fall as well as rise, so that you may not get back the amount you originally invested. Past performance is not a reliable indicator of future results. Movements in exchange rates can have an adverse effect on the value, price or income of any non-sterling denominated investment. Nothing in this podcast constitutes advice to undertake a transaction, and if you require professional advice you should contact your financial adviser or your usual contact at Walker Crips. Walker Crips Investment Management Limited is authorised and regulated by the Financial Conduct Authority (FRN: 226344) and is a member of the London Stock Exchange. Hosted on Acast. See acast.com/privacy for more information.

The Income Tax Bill, 2025 was introduced in the Lok Sabha recently. It seeks to modernise and simplify the Income Tax Act, 1961.  While the Bill is indeed shorter in length than the original Act it seeks to replace, there is one major concern: privacy experts believe it institutes a regime of tax surveillance, in complete violation of the Supreme Court judgement in the landmark Justice Puttasamy case where it ruled that privacy is a fundamental right.  Tax experts hold that under the provisions of this Bill, the state can claim complete access to the entirety of a person's “virtual digital space” merely on suspicion that she may be hiding income and evading tax.  Critics have also said that the Bill does not rationalise monetary thresholds for various compliances and deductions, nor does it provide meaningful revisions in the penalty and prosecution changes.  Guest: Deepak Joshi, Advocate-on-Record in the Supreme Court and a qualified Chartered Accountant.  Host: G. Sampath, Social Affairs Editor, The Hindu. Edited by Sharmada Venkatasubramanian.

Topic: SA Institute of Chartered Accountants reports improved pass rate Patricia Stock: CEO, SA Institute of Chartered Accountants

Watch full video at Charles Kelly Money Tips Podcast: https://youtu.be/VRexfc258N4 Interview with Chartered Tax Adviser and Accountant on changes to Furnished Holiday Lettings tax regime, IHT, Trusts and Wills, SDLT, pensions, ISA, Non-Dom tax status and end of year tips. High taxation is one of the reasons 10,000 millionaires left the UK last year. Check out my video on this. As the tax year draws to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities. In the latest episode of the Charles Kelly Money Tips Podcast, we break down essential end-of-tax-year tips to help you reduce your tax bill legally and keep more of your hard-earned money. Maximize Your ISA Allowance You can save up to £20,000 tax-free in an Individual Savings Account (ISA). If you haven’t used your full allowance, now is the time to top it up. Utilize Pension Contributions Contributing to your pension not only grows your retirement fund but also reduces taxable income, with tax relief of up to 45% for higher earners. We don’t know how long this tax concession will last. Claim Allowable Expenses Self-employed? Ensure you claim all deductible expenses, such as home office costs, travel, and professional fees, to lower your taxable profit. Use Capital Gains Allowance Sell assets strategically to take advantage of the current capital gains tax-free allowance before it resets in the new tax year. Gift Money IHT Tax-Free Use your annual £3,000 inheritance tax gift allowance to pass on wealth without tax implications. Use it or lose it. Use your accountant, tax specialist, financial adviser and other professionals to save you money. Good advice can save you a fortune. Invest in yourself. Don’t miss out on these end-of-tax-year strategies—watch the full video now! 7 Powerful Steps to Transform Your Finances in 2025 As we move closer to 2025, now is the perfect time to take charge of your finances and make it your most successful year yet. In the latest episode of the Charles Kelly Money Tips Podcast, we explore actionable strategies to help you achieve financial freedom and build wealth. Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY Section 24 Property Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips #furnishedholidaylet #IHT #SDLT #ISA

On today's episode of The Wholesome Fertility Podcast, I am joined by fertility expert, acupuncturist, and conscious work practitioner, Lorne Brown @lorne_brown_official. Originally a CPA, Lorne's personal health journey led him to discover the transformative power of Chinese medicine, ultimately changing his career path. Now, as a leader in integrative fertility care and the host of The Conscious Fertility Podcast, Lorne bridges the gap between science and spirituality to help individuals optimize their fertility and overall well-being. In this episode, Lorne shares how conscious work plays a powerful role in fertility, explaining how subconscious beliefs and emotional resistance can impact reproductive health. He discusses the mind-body connection, the importance of inner healing, and how shifting from stress to flow can create profound changes. Whether you're on a fertility journey or simply looking to align with your highest self, this conversation is packed with insights on conscious transformation, holistic healing, and the power of perception.   Key Takeaways: Lorne's personal journey from accountant to acupuncturist and fertility expert. How Chinese medicine and holistic healing transformed his health and career. The mind-body connection and how stress impacts fertility. How subconscious beliefs shape our reality and can either block or support conception. The power of inner work and emotional healing in reproductive health. How shifting from resistance to receptivity can improve fertility outcomes. The role of consciousness in creating meaningful change in health and life. Insights from The Conscious Fertility Podcast and how Lorne helps patients find balance through a holistic and energetic approach. Guest Bio: Dr. Lorne Brown @lorne_brown_official is a leader in integrative fertility care, blending Chinese medicine, mind-body healing, and cutting-edge therapies. A former Chartered Professional Accountant (CPA), his personal health journey led him to acupuncture, herbal medicine, and holistic fertility support. As the founder of Acubalance Wellness Centre, he introduced low-level laser therapy (LLLT) for fertility and pioneered IVF acupuncture in Vancouver. He also created Healthy Seminars, an online education platform, and hosts The Conscious Fertility Podcast, where he explores the intersection of science, consciousness, and reproductive health. Websites/Social Media Links: Learn more about Lorne Brown, visit his website hereFollow Lorne Brown on InstagramListen to Conscious Fertility Podcast For more information about Michelle, visit www.michelleoravitz.com To learn more about ancient wisdom and fertility, you can get Michelle's book at: https://www.michelleoravitz.com/thewayoffertility The Wholesome Fertility facebook group is where you can find free resources and support: https://www.facebook.com/groups/2149554308396504/ Instagram: @thewholesomelotusfertility   -------- Disclaimer: The information shared on this podcast is for educational and informational purposes only and is not intended as medical advice. Please consult with your healthcare provider before making any changes to your health or fertility care. ----- Transcript: [00:00:00]  Welcome to the Wholesome Fertility [00:01:00] Podcast. I'm Michelle, a fertility acupuncturist here to provide you with resources on how to create a wholesome approach to your fertility journey. **Michelle Oravitz:** Welcome to the podcast, Lauren. **Lorne Brown:** Hey, Michelle, glad to be together with you over whatever we call this technology. I think yours is the Riverside. Yeah, I had a good time interviewing you for my Conscious Fertility podcast, so I'm looking forward to having more conversations with you because that was a lot of fun for me. **Michelle Oravitz:** It was a lot of fun for me too. And I actually it was really, really nice. And to see that we have very similar views just on reality and health and fertility, **Lorne Brown:** Yeah. **Michelle Oravitz:** it was a lot of fun. And so last week actually for everybody's listening, that was the first time we actually officially met via zoom. **Lorne Brown:** Yeah. But we know each other. We're part of the, the ABORM, right? The Acupuncture TCM Reproductive Board of Medicine but yeah, [00:02:00] like the first time you and I had real conversation rather than chat conversation. **Michelle Oravitz:** Which is awesome. I **Lorne Brown:** Yeah. **Michelle Oravitz:** it. And I think that we're so aligned in so many ways. I think that we both love the whole bridging of science and spirituality. We're kind of nerds in that department. **Lorne Brown:** Yeah. **Michelle Oravitz:** for people listening, I would love if you can introduce yourself. I know we also have, we started out with very different backgrounds. And went into acupuncture, you have like kind of a similar cause you started in accounting, right? **Lorne Brown:** Yeah, so, I am a CPA, so a Certified Professional Accountant back in the day they were called Chartered Accountants in Canada and because of health issues and having such a a response to Chinese medicine in particular eventually I, I was the, one of the controllers and tax guys at this time with ocean spray growers here in B. C. and I left that position so I could go back to school and study Chinese medicine as my second career. So that's kind of a little bit about my background. And then eventually **Michelle Oravitz:** [00:03:00] Like what made you think about doing Chinese medicine? **Lorne Brown:** I was ill. I had um, you know, back in the day, this is in the eighties and early nineties. So this Chinese medicine wasn't as available. This was before websites, right? Where you could really see what other people were doing and learning. And so I had severe gut issues, you know, diagnosis IBS, chronic fatigue, candida and you know, I got scoped through all each end and eventually and I tried different Western approaches and eventually it was the herb, Chinese herbal medicine actually that dramatically changed it so much. So, I mean, I have some memories. I did a bachelor of science first in math. That was my first thing. Then I went and did accounting in McGill. And and then I went and became a CPA, back then CA. They changed the letters for the designation. And I remember when I was at McGill I was already seeing alternative medicine doctors, in particular Chinese medicine. And I remember [00:04:00] s for the first time, how much clarity, because I had, I didn't realize how much brain fog I had. And so the clarity I had, I was in the classroom, I just realized how easy things were going in, and I was just remembering things, and I just felt like things were almost in slow motion in a good way, like a professional athlete when they can see the court. And physically, I just felt I had so much endurance, so much energy. I was just I felt great. And you know, when you've been feeling poorly for so long, That I thought that was normal. And then I got, you know, the illness was so bad while I was early days in my accounting studies at McGill. it interfered with my, my studies. It interfered my life. I almost couldn't get outta bed sometimes with the fatigue and the brain fog. And so I had an I had an aunt who was into this stuff. , I was, wasn't right. Remember, it came from Bachelor's Science Math in Duke County. I was, I think I was always open-minded. Look what I'm doing, but it wasn't kind of on my radar. And she's the one that suggested I see her Chinese herbalist. And you know, I was desperate. I was living in Montreal, Canada. She was living in Calgary, Alberta, Canada. So [00:05:00] I, I got on a plane and flew to see her person because I wouldn't know who to go see right back then. And you know, through dietary changes and herbal medicine. It, it transformed my life and funny story because, you know, I do acupuncture like you do. I always had a fear of needles, right? I never was a big fan of needles. So the first time I was getting acupuncture, the acupuncturist who treated me, I have everybody lying down, but he had me sitting up on the table. Right on the treatment table. I was sitting and he's putting these needles in me and he's like, are you okay? I guess he could see I was going a little green and I'm trying to be, you know, tough guy. And I'm like, yeah, yeah, I'm fine. Next thing I know flop, I passed out on the table. **Michelle Oravitz:** do. **Lorne Brown:** So. Yeah. So now I receive it. I love it. Now I give it. But I did. It's a mind over matter, right? I did have that fear of needles, which is why I started with the herbal medicine. Most people like, Oh, I'll do acupuncture, but they maybe have an aversion to the herbs or the taste of the herbs. I was the other way [00:06:00] around. I got introduced to Chinese medicine through the herbal medicine. And then I was like, Oh, I'll try the acupuncture too. and, you know, I stuck with it, obviously. And, and eventually went back to school and now I can I receive it and I can give it and I have so much compassion for those who have a fear of needles, but usually if they come in and try it, they realize it doesn't feel like needles that you're getting. And now with technology, I have low level laser systems as well. So I can do laser acupuncture for those people that just cannot. Experience acupuncture because it's so stressful for them. **Michelle Oravitz:** Yeah, for sure. So that's that's one of the things or sometimes starting them out with baby needles because the baby needles are really, really, really super thin. You can barely feel it. **Lorne Brown:** Yeah, I mean, I, I mean, I just give them the acupuncture for the first time and, and they're nervous. But, you know, they let me put in one needle, then another, then a third. And that's all I'll do for the first visit for people who have a big phobia. But like you and I know, and those that have received it, it's not like getting a [00:07:00] needle at the doctor when you get a shot or blood drawn. And so you really, you know, once they're in, it takes like a minute to put them in. Then you go and tell a beautiful rest, la la land for 30 to 45 minutes on the table. So all worth it for most. **Michelle Oravitz:** totally worth it. For sure. So talk about why you got into fertility specifically. **Lorne Brown:** Yeah, and I'll keep it short, but it was, it was never my intention. My intention was to treat gut issues, digestive issues, because that's what brought me to the medicine. So I thought I'd be, and that's what I set out to do, IBS, irritable bowel syndrome, Crohn's, colitis, severe bloating, constipation, diarrhea, that kind of stuff is what I thought I would be seeing. and I did see a lot of that, and in our medicine, when we treat, we do a very Detailed history and we treat holistically so we can't just focus on the gut health just like for fertility We don't just focus on the women's ovaries, right? We focus holistically and so most people that come to health professionals back then And [00:08:00] I started in 2000 and now still are female And so I'd always do a menstrual history and the the menstrual history is such a great guide for health, right? We can get so much information. That's why I prefer treating women over men. I treat both women who are menstruating. Help me diagnose them from a Chinese medicine perspective because I get so much information from their cycle history. And so as I was treating their bloating in their IBS, or they're alternating between, you know, constipation and diarrhea, or even colitis and Crohn's symptoms. They noticed their PMS went away, they noticed their menstrual pain went away, their irregular bleeding, the spotting, all those things changed. So I became popular. with women's health in general. So I was just doing women's health. So I was seeing people with perimenopause and menopausal symptoms and with painful periods. That was what I was seeing. And back then, again, the web wasn't a popular thing. I was advertising a magazine with a focus in women's health. And this woman who found me was going through an IVF and she was [00:09:00] going to see one of our colleagues, Randine Lewis, in Houston. So I'm in Vancouver and she flew to Houston to see Randine because this was before Zoom. And she, Randine told her she needs regular acupuncture at least once a week so she's going to enter herbal medicine. So she has to find somebody local because it wasn't reasonable or cost effective for her to fly weekly to Houston from Vancouver, right? Nobody was focusing on fertility, but she found me women's health. So she came to my clinic and told me her story and asked if I'd be willing to follow Randine's acupuncture prescriptions and her herbal suggestions and do that for her in Vancouver. And I kind of said cheek cheekily, but in a funny way, in a cute way, as a non aggressive way. So basically you want me to be like a monkey. And put the points where Randine tells you, tells me, and prescribe the herbs where Randine how Randine tells me. She goes, yeah. And I'm like, I'm in. That sounds great. I get to learn from somebody. Because what our audience doesn't know, [00:10:00] Randine was already focusing with fertility. And she had already had this draft book, which came out shortly after, called The Infertility Cure. First of many of her books. So, I thought it was a great opportunity to be able to learn from somebody with more experience and, and not have responsibility to the outcome. And so, and then women who are going through IVF and struggling with fertility, they talk and By 2004, I only would take reproductive health issues. That was all I would take because I was too busy, and I started hiring associates and training them because I couldn't handle the load myself. Now, here we are recording this in 2025 I have multiple associates in our clinic. And that do focus on fertility and myself personally, I still see a lot of reproductive health. But I'm so into the conscious work now. Cause I have low level laser therapy that we use for fertility, but I use that for so many other things. Brain health pain, pain injury. And I do a lot with pure menopausal symptoms. So, I would say, and half my practice, when I look at my [00:11:00] schedule is conscious work. Right? Is that mind body work? Half my practice is that. They still get acupuncture and low level laser therapy as part of the treatment but they're coming in with, I'm wanting belief change work. and I do see a lot of reproductive health, but I see everything now. So it's, it's kind of gone full circle. Because of the conscious work, because conscious work is my passion. And so whoever comes in the door that's looking for change, they may want a relationship change or want a relationship, job changes, finances. They want a baby, they want a healing. Basically, they want to be happy and they realize they can't get it from the outside. So they're looking for help on the inside to have that transformation. And that's why we use it for fertility because it's such a powerful tool when you can heal the mind, the body follows really well. **Michelle Oravitz:** Yeah. No doubt. So talk about the conscious work, specifically. What does it entail? Mm-hmm **Lorne Brown:** Yeah, well, I'm trained also as a clinical hypnotherapist, and I've done a lot of what they call energy psychology modalities. So I'm trained in [00:12:00] Psyche, emotional freedom technique, Bankstein healing method, you know, energy type medicine. But from the clinical hypnotherapy perspective and what I would call conscious work, it's inner work. It's waking up to your true nature. It's waking up to what some people would call higher self, what they would call consciousness witness consciousness. You'd have to be open and appreciate that there's more to this world than meets the eyes. And so we have a Newtonian science world, what's considered a materialistic world, and those are things that we can kind of measure. And then there's the science, the new science called quantum physics. Which understands there's so much more to this reality than what we see and when you have these shifts inside it has your your perception to the world You see it differently and you can think of it as if you live in a building Let's say your your life is a building, you know On the first floor if that's where you live, you're going to have a certain perspective of what your neighborhood is And it's going to be very limited because you can only see from the first floor. And as you move up, if the 20 store [00:13:00] building, if you live above 10 and you start to live on the 15th floor, you have a different perspective of what is in your neighborhood than the person who lives on the first floor. And so conscious work is about kind of getting to a different perspective. I we know, you know, through so much more research now that we perceive the world. Through the lenses of our subconscious programming, you know, and so how we see the world is through the lens of our subconscious and that subconscious programming is is inherited and imprinted on us inherited like literally few generations before we know this through um, research on Holocaust survivors and their children and grandchildren. And we know this through the study, the cherry blossom study on mice were stressed and traumatized and it got passed down to their grand pups. I won't go into the study because it's **Michelle Oravitz:** and DNA. **Lorne Brown:** Yeah, it gets tagged. It's not a genetic mutation, it's a tag. So it can, one generation get tagged, and one generation you can heal it. So, you see the world through the lens of your subconscious, and that lens is based on your history. And [00:14:00] so, I heard a teacher of consciousness once say, Reality's white snow, let's pretend that. And then you have red glasses. I have orange glasses. Some of the listeners have blue, green, white, yellow. We're all seeing white snow, but we're all experiencing it, perceiving it differently because of our lens. And if we want to have a different experience to see that reality, we got to change our lens. **Michelle Oravitz:** Yes. **Lorne Brown:** You know, or we're both fans of Joe Dispenza, right? We both run retreats, and **Michelle Oravitz:** we're Joe Dispenza groupies. **Lorne Brown:** yeah, I like, I like his work. I like his retreats and his books. And in his book, Breaking the Habit of Being Yourself, I think it's where he said it. I've read all of his books and been to many retreats, but I really liked how he said your personal reality is based on your personality. And you can't have, how do you expect to have a different reality if you bring your current personality into your future? You're gonna get the same thing. Right. And so this is about having that shift because, you know, we're going kind of into a rabbit hole here, but if you're open for it, **Michelle Oravitz:** No, I'm totally open for it. And my, my listeners are used [00:15:00] to it, **Lorne Brown:** okay, you know, God, I see they're allowed to, or Gandhi, I've seen this quote attributed to both, but it kind of goes like your beliefs lead to your thoughts, which lead to your feelings, which lead to your actions and behaviors, which lead to your habits. which leads to your destiny. Basically they're saying is your behaviors are always congruent with your beliefs. And when they conflict the program, the belief is going to win. And if you do a behavior long enough, it becomes your habit. So it becomes a reality. So we often want to go and work on the outside world. We often want to go work on a behavior, but the behavior stems from a belief or a program often unconscious. And so we'll self sabotage ourselves, even though we really want to lose that weight. We go and we diet, we exercise, but that's a behavior. But if you have a program that, you know, I'm not beautiful, right, or I'm not thin enough, then the subconscious wants congruency, and it will find a way to sabotage that. [00:16:00] Consciously or unconsciously, it'll happen. And so rather than going to work on the behavior, we go to work on the program, and then it flows down, and the behavior changes naturally. **Michelle Oravitz:** It's so true. And it's almost that, you know, that saying whether you think whether you Think you can or can't  **Lorne Brown:** you're right. Yeah. **Michelle Oravitz:** it's just a matter of what we choose and I think the key with this is that people don't even realize It's almost like they're so asleep in the matrix **Lorne Brown:** Yeah. **Michelle Oravitz:** is such a great movie, by the way, because of that reason, it really shows us how, if we just knew that that was the case, **Lorne Brown:** Yeah. **Michelle Oravitz:** had those beliefs and it impacts our reality, then we would make a difference. But I think the problem is, is not even knowing that it's even there. **Lorne Brown:** Yeah. Well, of course, and I don't know if the age has changed, but it was my observation that around age 40, people start to realize that they need to do their inner work. the drug doesn't work anymore. The antidepressant isn't working, [00:17:00] or they're in a third relationship. It's not working. They change cities. Like it's not working. The changing the outside is only temporary. So somewhere around 40, maybe it's younger now cause things seem to be speeding up, but around age 40 people come in there and they don't know what they're looking for, but they know they're looking for it. And you and I have language for this, right? They're looking for inner work, conscious work, but they kind of know that I know by getting a new relationship, it's not going to help. I got it. Something's not right. about me. And I, you know, I'm going to give an example because the relationship one comes up a lot in my practice when people come and see me. and I share this as an example of self sabotaging programs and why I like the conscious work. And we can talk about how this plays with fertility as well and baby manifestation. This actually wasn't my patient, but it was somebody who shared it. And I loved this case so much because it, it really is a great explanation of of belief change. So She was around 45. She was a lawyer and she had become aware that she was somehow sabotaging relationships. No matter what [00:18:00] relationship she went in, like she would find some not such great guys in her opinion, but she actually realized she found some good guys too. But for some reason, even she knew there was a button and she, she knew she shouldn't push that button, but she would push the button even in her mind when she knew this isn't going to work out. And the, and the relationship would collapse. So at her clinical hypnotherapy session, She got regressed and in this regression, she's experiencing herself as a four year old and she's remembering her mom is making dinner for her and her older sister was around seven and she promises the girls that they get popsicles if they eat all their dinner. So her older sister. Eats her dinner fairly quickly and gets a popsicle. And she, she being for living in that theta brainwave living in the moment, it's not eating quickly. And all of a sudden she sees her sister with a popsicle and she goes, I want a popsicle and her mom's tired end of day. And she angrily says, no, you haven't eaten your dinner. You don't get your dinner to you. You don't get your popsicle till you finish your [00:19:00] dinner. And it probably wasn't said in a loving way. And this triggered the four year old. And like many four year olds, she got. You know, she had a little four year old temper tantrum, and that set off her mom, and then she got sent off. To her room without dinner and without popsicle. And in her story, she's thinking in her dialogue that mommy likes, mommy likes and loves my sister more than me. Mommy doesn't love me. I'm not lovable. And she has this aha moment when that program really started for her. I'm not lovable. Now, remember I said the subconscious and the conscious want congruency. The heart and mind want congruency. When it conflicts, the heart, the shen, the subconscious, wins. And so, she would have a relationship, and if this guy was doting and loving her, her subconscious goes, that's not who we are, we're unlovable. And she would Consciously or unconsciously sabotage the relationship. So in hypnotherapy work, we're able to bring her 45 year old self back and reparent doing her [00:20:00] child work and shift that. And I often say in my practice, I have a an approach. Notice, accept, choose again. Notice everything is neutral and we give it meaning. Neutral. She just did not get a popsicle. Neutral. The meaning she gave it was I'm not lovable, right? And children that are in theta, meaning they're in, they're sponges. They don't have that prefrontal development to discern things. They just take things in and we don't know why. But you know, if you're a product of divorce, which a lot of people are It's usually for the children. It does some form of scarring, subconscious scarring, right? Because the children feel like they're responsible. It's their fault. So guilt shows up or shame shows up. Not safe. So all these programs come up and when I distill them down, I see people that are worth hundreds of millions of dollars. I see people that can't afford my services, right? And based on what they get paid, right? And when you distill it down, the stories are, can be very different, but when you still it down, it's I'm not enough, right? I'm not lovable. [00:21:00] I'm not pretty enough. I'm not thin enough. I'm not smart enough. It's kind of, I'm not enough when you distill it down, whether you're worth a couple hundred million or whether you're scraping things together. So. Notice everything is neutral. We give it meaning. And when we believe in the story, we make it real. So this is not to believe in the story. And that's kind of that materialistic side, right? And we use these tools conscious work to go in and clean up the operating system. And here's an important point I want to share with our listeners is You know, you have this hardware, but the hardware functions depending on the software and I got multiple stories like this, but I'll give you a couple, you know, they have done research on those with multiple personality disorders and depending on the personality, right? One will need reading glasses. One will not. One's blood tests will be diabetic and the other one will not. Right? I mean.  **Michelle Oravitz:** to orange juice. **Lorne Brown:** Yeah, when we allergic not so same physical body. So from a journalistic point of view, this makes no sense, but from a quantum perspective, it does. Right. And and we've heard people [00:22:00] with near death experiences. I've, I've heard through a colleague of one before, and I just, I'd met one recently, actually, and she's written a book on it, Anita, where she, yeah, it's great, right? **Michelle Oravitz:** Yeah. Yeah. **Lorne Brown:** So, you know, her story is she. Developed cancer, funny thing, not so funny, but she always had a fear that she would die and get cancer. So, you know, you got to be careful where you're putting your focus, right? She did everything she could to not get cancer. She got cancer and she was ridden with tumors and she's in the hospital and her husband's by her side. And the story goes that she goes unconscious. So they tell her, say goodbye. She, this is it. She's, you know. She's going to die and she's got, they got on some medications too, I believe for pain relief. And I think it was a day or two later, she opens her eyes and she has an experience of a near death experience where we won't go into it today where she sees other. Family members are beings, but not the personalities like she just knew who they were, but she realizes she's coming back and she knew she was coming back [00:23:00] different. It wasn't like a full lobotomy, like 180 degree turn, but she had a personality change, right? And she knew her cancer is gone. And when she woke up, she tried to convince her husband her cancer was gone. And he's like, you know, no, you know, they got the doctors. She was able to re Share stories of conversations that they had outside when she was in the coma in another room. She forbade him. She could, you know, she knew what the doctor's shoes look like, right? Everything. So **Michelle Oravitz:** that's that bird's eye view. **Lorne Brown:** she was outside the body, but her cancer went away without any medication. After that, she woke up from a coma. And her cancer just resolved herself. So there's that personality. So her personality changed and her physical body changed, right? Because of this and going back to our friend Joe Dispenza, Dr. Joseph Dispenza and your listeners check out his book. They're supernatural the placebo and breaking the habit of being yourself. That's a really good one breaking the habit Right. It's a good one to start with. He talks about you can use matter to change matter, which can be slow. That's for our fertility patients taking supplements. [00:24:00] That's IVF, that's diet matter, change matter, or you can use energy to change matter, which can be spontaneous. Like what happened with Anita, which when her cancer went away, right? Is it went away pretty quickly, right? **Michelle Oravitz:** There's people with well, we see it all the time at Joe Dispenza's work stage four cancer. It just, it goes away. **Lorne Brown:** Yeah. So that's working with a different, dimension of yourself, right? If you want to speak. So the conscious work that I use is how to tap into that, how to tune into it. And it came from my experience, right? I, I've learned this and developed this from many people I've studied with. And I'm a kinesthetic learning. That's learner. That's why I've learned psych KFT, Marissa peers, rapid transformational therapy, Ericksonian The guy just. Love it, right? I think it started from insecurity. Not enough, not smart enough. So I kept on doing things which brought me my success outside, but inside it wasn't enough. So I kept on learning and learning and learning. And then eventually, you know, you're brought to your knees, which I was. debilitating anxiety. And I go in and do the [00:25:00] inner work and I have the transformation. And then I'm kind of at peace. Don't feel like I need to do too much. But now there's this new drive, this overflowing, wanted to share. It's a different feeling. It's comes from peace. It doesn't exhaust you. Right. And so I think on the outside, if I was looking at me, I looked. Similar as in go, go, go. Always learning, always doing right. But I was coming from fear and lack for many years, my doing and stuff. So my doing just got me more fear and lack because I could never feel that void. Now I'm going, going, going, but it's coming from feeling more whole and complete and I'm not attached whether I do it or not, right? I'm not attached to it so much. And but yet I'm still doing it. But now I feel Charged by it. **Michelle Oravitz:** That's so great. I mean, don't you see the yin and the yang too, in a lot of this **Lorne Brown:** Oh, yes. Yeah. Yeah. **Michelle Oravitz:** the harmony, the **Lorne Brown:** Yeah, and you got to keep going into the end So you then you have the young and it happens, right? So, you know, I go inside I become quiet and and then all of a sudden all this [00:26:00] activity and inspire thought comes through me And then I I want to go in and see if I can manifest it, right? **Michelle Oravitz:** Yeah. And everything kind of goes in pulses, you know, there's a, there's pulses, even with like experiences that we have in life, there's ebbs and flows. I think that we get impatient or we think that it's going to be forever, but nothing lasts forever. It's like the good news and the bad news, nothing lasts forever. **Lorne Brown:** Right? Yeah, it's the good news and the bad news. Yeah, in that sense, don't be attached. **Michelle Oravitz:** Yeah, true. **Lorne Brown:** Which is a practice. **Michelle Oravitz:** it is, and it's something that the ancients have been telling us this whole time. They've told us to go within, they've told us not to be too attached, to learn from nature, to learn from what's around us. to flow, flow with it. **Lorne Brown:** And a tip for our listeners, because again, I teach what I've experienced. Many people may be going, well, I've read these books and I know all this stuff and I haven't had a shift. I was that guy where I had read everything and took courses, but I didn't do the process work. I, I conceptually understood it. I could teach it. But I wasn't living it. And it wasn't until I actually did the process work that the [00:27:00] transformation started happening, the awakening started happening. And so that's kind of, you know, with my patients, when I work with them, they want to get in the head and understand, which I love. We got to understand when you understand the why behind it, they say that the how becomes easier. The why is, you know, how does it work? And then the how is, what are you going to do? But if it's just an intellectual discussion you'll have a mind shift. But you won't have a trait change. And what's the difference? A mind shift is that temporary, you feel excited, this makes sense. It feels excited, but it's a shift. It's like when you pull an elastic band apart, it's neuro elasticity, it stretches out, this feels good. But within an hour or two, or a day or two, it goes back to its normal shape. So you haven't made a neuroplastic change, you just made a mindset shift. And if you do that daily, multiple times, it eventually become neuroplastic. And what I mean neuroplastic is if you stretch out a piece of soft plastic and you let go, it stays stretched. So that's the trait change. So repetition or doing many things that create a mind shift regularly often will give you [00:28:00] neuroplasticity changes, right? That hold becomes a trait. That's that, you know, do certain actions over and over again. So that's one way. But then there's other. faster ways to do neuroplastic changes, which doesn't just require repetition. That is one of them, but there's other processes I use. Part of my hypnosis practices and other energy psychology tools is what they're often called now to help make that neuroplastic change, not just from repetition, but from doing these Process work and we call it process work because it's not it's not done. It's a it's a bottom up process versus a top down So i'm not a counselor a therapist. That would be somebody who's doing a top down Let's talk about this and there's some benefit to it. The clinical hypnotherapist perspective is a bottom up meaning Your tyra box said this once your issues are stuck in your tissues So when you have these emotions rarely does somebody say I feel it in my head It does happen once in a while. Most people feel it in their throat, in their chest, in their stomach. It's in your cells. And we got science to talk about [00:29:00] how the microbiome changes with stress and emotions. **Michelle Oravitz:** images of people, all people that were angry, all people that were sad. And they would notice that it would light up in certain spots consistently in the body, which is really fascinating. You can probably find it online. **Lorne Brown:** cool. Absolutely. And, you know, we know like we got serotonin receptors in the gut. Now the heart's being known as a, as a second brain may have more what the read off of it more than the brain and, and then dispensa and heart math talk about heart brain coherence. So we're. You know, I look at it this way is, you know, back in the day of Galileo and Newton, the days when we thought that the sun revolved around the earth and the earth was flat, it was hard for society to shift and science to shift, right? Cause everything we understood the way we could look, it was like, no, no, the world's flat. It look at it, you can tell, look, look outside, doesn't look round or look, look, you can tell that. the sun is going around the earth. Look in the sky. It's so obvious. And you [00:30:00] can't tell me the earth is spinning. We would feel it, right? And now today, most people realize that the earth is round, not flat. There are so few flatters out there. They realize the earth is spinning and that the earth goes around the sun. But there's your perception, you know, there's the first floor view. From my view, the sun is going around the earth. I see it rise and set, right? I can see it float around. I'm standing still. I'm pretty sure about it, but that's a illusion. It's not a complete correct perception on that first floor when you go to a higher floor. So in this case, when we go into space, We can see that it's actually the earth that goes around the sun and the earth is round. And then if we go to a higher floor, we're going to probably get a whole other understanding of what's going on in this human experience and purpose and what's your individual purpose. And people have spoken of it. I haven't tapped into that aspect. I've had those. Non medicated, so non psychedelic experiences where I've tapped into profound peace, where I've tapped into bliss.[00:31:00]  I've also, through psychedelics, I've only done it once, so I'll never do it again, where I tapped into my shadow, right? Accelerated my journey, but I wouldn't wish that upon anybody, going into my shadow work unprepared. **Michelle Oravitz:** 'cause if you, you have to be ready for it. That's **Lorne Brown:** I wasn't ready for it. I, I, I cheated. I cheated with psychedelics. And it put me into my shadow grateful now because and here's a litmus test for myself. So I share this with the listeners as well. If you. don't like your life now, then I'm pretty sure you're still living in kind of a victim mode. You don't like your past and you'll have all the evidence to say why you don't like it. And if you can love your past, no matter how bad it is, then I know you love your now. I know you love your life. Why? Because You realize that who you are today is based on everything that's happened to you and you and because you love where you are today, you would never want to change your past because you love your day. Doesn't mean you want to relive your past, but you're grateful for. You don't regret it because you love today. [00:32:00] But if you hate your past, then it's I'm pretty sure you really don't love it. your day. And there are some terrible things that have happened to people. And I've seen people who've had terrible acts done to them. They would never ask to go do it again, like, but they also say, I love my life now. And so I wouldn't change anything in my past. So that shows you that's healed, right? That vibration that's healed. And so, because there's only this moment. So I find conscious work powerful when you bring it to reproductive health. I want to quote our Randine Lewis friend who wrote the book, The Infertility Cure, many books, but I remember hearing her talk about when women get into a later stage of their reproductive years, especially into their forties she said, you know, at the beginning, you know, reproduction is, it's a, it's a youth game, Jing, we call it essence Jing, it's the physicality, right? You got to have good physicality and it, and that happens with the youth. We see it around us, right? Like, a 90 year old and a 20 year old, the same person or different [00:33:00] physically. But there's something about spiritual maturity and sometimes, and this is where it kind of ties into Dr. Jo Dispenza, matter change matter. So that's the physical, the Jing. And then there's energy that can change matter. And that's what we call the Shen, the spirit tapping into that consciousness. And she says, when you're younger, you can be spiritually mature because you have such good Jing, it overrides everything. And so you can be a drug addict. And you're 20s and getting pregnant all the time, right? Poorly eating, all that stuff. And then if you get into your 40s, the physicality you want, but it's not enough, you need to, as she said, have your shit together. So that's, I'm quoting her. And sometimes that's when we see what we call miracles. It overrides the physical. And you really need to do that spiritual, the spiritual maturity happens. And so, you know, have both. Add to that her excitement with donor egg back in the day when we were having this conversation was she couldn't wait to meet the Children that were born through donor egg cycles because she [00:34:00] says currently this was way back when in early 2000 people were born with either young mothers, so physically strong, spiritually immature. They're in their twenties, early thirties or they're born with women in the early forties. physically not as strong, but spiritually more mature. So they didn't have both. She goes, but with the donor egg cycle, they get the gene from the, the egg. So a physical, physically strong, younger woman, and they are gestated. And raised by spiritually mature women. It's going to be the first time where they get both strength from the physical and strength from the spiritual. So she was quite excited. It was a different perspective to look at the Dorae. She was like, I wonder what kind of children these are going to be, right? So,  **Michelle Oravitz:** amazing. And actually it's really interesting. I don't know if you've seen this yourself, but sometimes the donor egg and the child looks like the mother. **Lorne Brown:** yeah, well, not surprising. I, I, I can't quote you on this, but I remember that they've done this in animals where you put him in a different, like, I don't know, [00:35:00] a donkey into a horse or something like, and it comes out looking more like the the mother. Like the, the horse. So, because don't forget you start as, you know, You know, a bunch of cells, right, you know, when you go in and you're grown, so you are influenced because you're, you're taking in in Chinese medicine talks about this, the emotional well being of the mother during pregnancy will impact the nervous system and the emotional personality of that child. And so what you're eating and what you're doing is helping grow that child. So we have what we call prenatal Jing, you know, for our listeners. So you get that from the mother, the father, and then. throughout pregnancy. And then postnatal Jing is what you, what happens after you're born. So your diet lifestyle. And so everything is impacting you up until you're born. That's what we'd call your genes. And in Chinese medicine called pre pre pregenetic destination, right? Prenatal, prenatal essence. I don't know if I said, if I use the right word, prenatal essence or prenatal Jing is what happens. So, yeah, I love [00:36:00] that story that she looked a little bit like the mother, not surprising. **Michelle Oravitz:** Yeah. And I've actually seen it because I, one of them she's somebody that I'm friends with on Facebook and she's also been on the podcast, Nancy Weiss. She's a spirit baby medium, is a whole other **Lorne Brown:** Yeah. **Michelle Oravitz:** topic. Right. But she. donor embryos and one of her daughters, she put a side by side picture of herself when she was younger and the daughter, and it was crazy. How similar they looked and then I've heard another story of somebody with freckles that she's had freckles But the mother of the donor did not and her husband did not So she always wanted a child with freckles and sure enough one of them got freckles  **Lorne Brown:** Very cute. Yeah, And that, there's so much things we don't understand and the donor egg cycle, I don't know if you've seen this, but with my patients, they only have one regret and it's a great regret that I've always heard when I've heard any regrets, I don't hear it often, but I hear it [00:37:00] and they say that the only regret I have is that I didn't do this donor egg cycle sooner because I don't, I realized I could have been with this baby I, I waited, I, you know, cause they're doing other things and understand there's a process to come to this place where you're ready to do donor a. But that's a great regret. Meaning they love this baby like from day from day one implantation, right? They have this connection. They're their mother. And and. It's, it's, that's great news, right? Cause so many people understandably have to get their head around about not using their own genetic material, right? And when you get there, when you surrender, which is part of conscious work, right? And the resistance drops and you get into flow and receptivity, the experience can be beautiful. And then regardless, even if you don't, when that baby's born, you're like, what the heck? I've been waiting for this forever. **Michelle Oravitz:** Yes. And that's another thing. So looking at the same thing from different lenses and different perspectives, and then you can kind of think, [00:38:00] okay, I may have wanted it to go this way, but perhaps it can go another way. And I'll still get the end goal, which is really to become a mother. **Lorne Brown:** Yeah, that's the end goal. And that's what we want to focus on. And from the conscious work, you know, we, we hear so often in manifestation work and in teachers of consciousness, not to be attached to form an outcome. And I'm a practical guy. So the left brain, my math background, my accounting, I'm, what I would say my feet are on the ground and my header is in the clouds, not just, you know, some people either their head in their clouds. So some people in our industry just head in the clouds. So it's hard to bring it to this earth or my old profession as a accountant, the feet are on the ground, right? I feel like I'm, I'm doing both of that.  So. I want to share this because this worked for me. And again, I often share is, you know, it's easy to say don't attach to form an outcome. That's easy to say you're not the one that has, you want this form an outcome. So it's, you can't fool the universe. You can't pretend, right? Really pretend, but you can do [00:39:00] practices. And I have found this line and I didn't come up with this. I heard this from somebody else and I was like, brilliant. And it works for me and it's worked for hundreds of other people I've worked with this or something better. Yeah. I want this or something better that had such a different vibration to it because you didn't choose your desire So I will never say you can't have you can't want this You can't desire this because you didn't choose it. I I prefer chocolate ice cream over strawberry. I can't tell you why it's just it is I just like I want chocolate ice cream. I don't really want strawberry ice cream. It's just What is, and so, but when you have a desperate need for it, that if I can't have this, then you create resistance and that impacts the field and that cannot be healthy. But if you have a desire, you want it, but you also know you're going to be okay, whether you have it or not, that doesn't add resistance to the field. And so often we, cause if you get focused on has to be this way, then you're not leaving yourself open to other things that [00:40:00] can bring you that same experience. Right? Because what does the baby bring to you? Right? You know, why do you want the baby? What's it gonna bring? What's gonna be different? What are you gonna experience? You know this kind of work, right? Because then you could get little, I call them Drift logs or kisses on the cheek from the universe where you know what it feels like you're practicing what it feels like and it's This or this or something better and then all of a sudden it that same experience comes to you But it's a different manifestation physically. So you're like, oh You know getting that feeling and so you're you're starting to get it from other places as well You're experiencing it. And when I say get it from other places I want to use that loosely is you have learned to Elicit that experience inside of you and then you're starting to see it manifested on the outside so because you don't want to have to get it from the outside because again, then you're not whole and complete This whole work is about becoming whole and complete where it's cut. You are it's It's you're making it inside of it. You're tapped into a part of yourself higher than I guess the ego self to use that language. And then it becomes fun to [00:41:00] see if you can manifest it on the outside, but you're already experiencing the feeling. Hence it's easy not to be attached because you're already feeling the joy or the love or the nurturing of something else, right? And the being of service to something else, you're already bringing up that experience. So you don't need it on the outside, but then all of a sudden you see it on the outside and that just bumps it up a bit. It amplifies it. And so you get, but it's temporary, that amplification. And then when you come back to your set point, that set point is peace and joy anyhow. So you're good. **Michelle Oravitz:** So it's unconditional peace and joy. It doesn't have a condition on it. You choose to just have that. **Lorne Brown:** Yeah. **Michelle Oravitz:** you can, and I think that that's the big thing is that people don't realize that they can actually do that. They could bring it up through just meditation and different practices that they can bring it up in themselves. **Lorne Brown:** Yeah. You tap into that. And I mean, I've, I've had that. I have glimpses. I have experiences of it. And for now the language is I'm, I'm tapping into my true nature and everybody has this true nature, your witness consciousness, your higher self, you want to give it a word. [00:42:00] And. I think we might have talked about this when I interviewed you on the Conscious Fertility podcast, but it's not all positive. It feels good. You still get uncomfortable feelings. You're just not at the full effect of them. So you experience the sadness. You can experience fear. You can experience guilt or hopelessness, but it moves through you like a song on a radio, 90 seconds, and it passes through you. And then you're back to that peace. And So if you're able to not get into the story and you can experience it, you still feel these uncomfortable feelings, but there's a, there's could be an underlying peace or even beauty behind some of those feelings. You're just not at the full effect of them and they just don't last for, for weeks. **Michelle Oravitz:** Yeah. Well, the untethered soul, I think that was like a big game changer for me, that book **Lorne Brown:** Michael Singer's book. Yeah. **Michelle Oravitz:** Singer, he's amazing. And I think that it really was about like allowing discomfort to happen without judgment, without that kind of good or bad, that neutrality, just kind of allowing it to happen. And I have an [00:43:00] example because I burned myself. I remember it was a Friday night and I was exhausted. I was so tired. I couldn't wait to sleep. And I burned my thumb. was like, man, and it was a stupid thing. Cause I was so tired and I touched something and I knew I shouldn't have done, it was just like, without thinking. And I was like, how am I going to sleep with this burning sensation? It was like the worst feeling ever. You know, it's like when you first burn yourself. And I remember thinking to myself, maybe it was like my higher guidance, something resist the burn. So I was like, okay, let me try this. literally felt, I closed my eyes and like, I imagined myself just kind of going through the fire with my hand and almost. Accepting it, inviting it, allowing it. And literally within five minutes, the burn went away. **Lorne Brown:** Yeah, and that's the quantum. That's energy changing matter and you use the awesome word resistance Right resistance is futile to quote the Borg from Star Trek Resistance is futile for those Trekkies out there When you add resistance basically you amplify the burn you amplify the [00:44:00] suffering or take from the Buddhist quote pain is inevitable the burn hurts Suffering is optional. That's where you amplify and when you can lean into it versus it's counterintuitive because we should run away from it. We think, right? And I had that similar experience in the nineties. I I had read, I read dr joe dispenses book, but I didn't understand it. I kind of read it, but Didn't catch very much of it the first read and one day when I was studying to write the exams to become a chartered accountant, a CPA I had sadness come over me real, and it was a new thing. I wasn't something I really experienced this kind of sadness that I could recall. And I don't know why I did this, but there's again, another part of you leading the way here. I decided to, in the middle of the day, I had shared accommodations. I was living with a female and she had Yanni and the Ghetto Blaster. Back in the day, it was Ghetto Blasters. with cassettes, maybe CDs. She had some incense burners. So I lit that and there was like lavender rose in it. And I went in the [00:45:00] bath and just decided to experience the sadness. So as I'm listening to the sad music, there's some incense and candle lit in the middle of the day in the bath, hot bath. I'm so going into the sadness. Tears are rolling down my eyes. And in a moment I'm in full bliss. Like I'm like bliss. Like. But I I don't do drugs, but what except for that psychedelic experience, what, what a good high would be like, it was like, and honestly, if that's what it feels like, I understand why people would do drugs. It was just bliss. And I'm like, you know, try to be sad. Because I was like, this feels great. Can I be sad? I couldn't be sad. And it was only later I had that experience first. And then I read dispenses book. Sorry, not just Ben's, Eckhart Tolle's book, Eckhart Tolle, The Power of Now is what I meant. And the line where he says, you, when you're present, you can't suffer, because when you're regretting the past or fear in the future, you're not in the present. But if you're in the present, he says, even sadness can be turned into bliss. And when I read that line in the book, [00:46:00] I had my aha moment because I had that experience. And now the process that I do in my conscious work is about lowering the resistance. Somebody says, what are you doing? You're tuning into your, your wist witness consciousness. You mentioned Michael Singer, the untethered soul. He often says he doesn't use tools or do tools, but he kind of does. And and I have a process that I believe brings down the resistance. My experience, people, I've worked with and then you have that flow and receptivity and sometimes I just have peace. Maybe it's at, you know, if my, if I'm frustrated or fear, it's a seven out of 10, it'll come down to say a two or one. So peace in an unhappy situation still, right? But peace. So the resistance is low. Yeah, **Michelle Oravitz:** flow in that moment. And it's interesting because I, my litmus test is, are you present? Really? That's the question. I, a lot of people that I work with is, are you present? Like, cause many times when they share things that are uncomfortable for them, they're not really in the present moment. They're either [00:47:00] expecting a future or thinking about a past or something that happens. So the present moment's always the antidote. To everything. If we **Lorne Brown:** present. And that's what the mind does. It's the nature of the mind. You can't get mad at the mind for thinking because that's its nature to be like getting upset with water for being wet, right? It's its nature. So you're fighting with reality. However, there's tools to help you get present and these uncomfortable feelings can become portals to presence. Right. And you're not wallowing them and, and embellishing them, you know, you're not inflating them. You're leaning into them and observing them. So I think what's happening, my experience, my understanding to this point is when we really get practice at noticing and observing them and accepting them, I think we're tuning, we go into present moment, but we do this by tuning into our witness consciousness because the mere fact of witnessing them, not, it shouldn't be this way. It's not fair, like getting into the head. But. **Michelle Oravitz:** neutral watcher. **Lorne Brown:** get into the watching, just getting practice at watching, then you [00:48:00] tune into your witness consciousness and that nature of you is peace and joy. So you tune into it. So wherever you put your energy is what's going to grow. So if you believe in the story and you're at the effect of the story, then you're You're unconscious and you're experiencing it. You're suffering right now. You've amplified the negative situation if you're able to observe it I'm not saying you'll like it. We're not doing a spiritual bypass here, but getting practice at observing at it I believe you tune into the witness consciousness and It's nature's peace and joy and the metaphor I use for this Michelle is when we so Tell me how this lands for you and I'm curious for your audience because this for me was my another aha moment just like what's going on here because I'm having these experiences and I want to have language to share with the people I work with. So if you buy an apple, you have to consciously you Michelle ego Michelle has to pick up the apple and chew it. But after that, Michelle, you're not going release salivary enzymes in your mouth. Like I got to do that. Nobody talked to me. Nobody talked to me. I'm getting acid into [00:49:00] my stomach now. Okay, I cannot. Walk up the stairs because my intestines are now absorbing the all these B vitamins or same thing when you sleep when you go to sleep You're unconscious. You're not breathing yourself. You're not pumping your blood Or pumping your heart circulating your blood your autonomic nervous system is doing this another part your subconscious program is doing this, right? The autonomic nervous system. Well same thing. I don't believe for me that I let go of these programs or emotions anymore. Not Lauren Brown ego. Just like I don't release the salivary enzyme. All I have, I believe it's my witness consciousness does this. It's what's metabolizing these uncomfortable feelings and old programs. And how do we do this? Well, first you have to make the unconscious conscious. So that's my notice step. Everything is neutral and then we give it meaning. Don't believe in the story. When you do, you make it real. So don't take it personally. Then I have multiple tools during the accepting part to surrender to what is, not fight it. Doesn't mean you're resigned to it. Doesn't mean you like it. We're just accepting that this is how I feel right now. And you [00:50:00] accept it and you start to observe it and get really, this is a skill. You get practice at observing it. And by that observing, you tune into the witness consciousness and it is what lets go the feelings. It's what metabolizes it. So, so. It's the intelligence. And so give it a conscious divine. I don't know if it's a part of me or part. I don't know. All I know is Lauren Brown is not doing it. Just like Lauren Brown gets to choose to bite the apple. Lauren Brown gets to choose to notice, not take it personally and observe it. That's all I do. The digestion of the apple is outside of my ego, my conscious mind, the digestion and the alchemy of these emotions where I was sad, went from sad to bliss. Right or go from fear to just feeling at peace. I'm not doing that I don't believe I let go of it and this ties into Michael Singers He says that these I don't know what he calls them Sankara's or something these these these energy blocks. They're [00:51:00] there So you're not experiencing your true nature You're all blocked up with these old programs and beliefs and feelings, but when they get released they move up and out You have this space now where you get to experience yourself. So that's how he describes it. Does, I mean, the, the metaphors and the concepts, yeah, the bottom line is you got to do the work you get. That's my point. It's nice to understand. A lot of us cannot confirm or prove anything, but when you have the experience, you don't care because the experience is peace and peace. It was nice. **Michelle Oravitz:** It is. **Lorne Brown:** I'm not at the, I'm not at the state, I'm not at the stage where I can equally treat fear and, and peace or fear and love together. Like some people say you get to a place where you don't, you don't judge either. You're, they're just vibrations. You're okay. I definitely prefer peace and joy and bliss over fear, shame, guilt, just so you know. Yeah. **Michelle Oravitz:** really our true default **Lorne Brown:** Yeah, **Michelle Oravitz:** is in that nature and that's the Buddha [00:52:00] nature. That's kind of like **Lorne Brown:** yeah, **Michelle Oravitz:** like form and we learn the other things. **Lorne Brown:** yeah, **Michelle Oravitz:** habituated through habits. So bringing this into fertility, which I think is actually very relevant, even though, you know, it's kind of like this big grand concept, it could totally apply to going through IVF, going through the resistance. And also in the IVF, you get so focused on the numbers and the analytical, where sometimes you need to kind of. move back and allow yourself the space and the, and to really take care of your wellbeing. And that's kind of like a, my big thing about that, which always tends to kind of fall in the back burner burner. **Lorne Brown:** yeah, yeah, you're going through the journey and anyhow, so that's all thing pain is Inevitable suffering is optional. I don't think anybody would want to go through an IVF However, if you're going through it, you could go kicking and screaming and suffer through it, or you can go through it and, and not amplify the difficulties of it. And that, again, is a skill set, because [00:53:00] IVF is not easy. As you know, the research shows it's like getting a cancer diagnosis or terminal diagnosis, infertility. So I want to clarify that we're not dismissing it. The conscious work is about being authentic. It's actually about feeling your feelings. However, with a different lens and developing a skill set, a process, so you can metabolize it, right? But yeah, if you're going to go on this journey, if you're in this journey, you didn't choose it, but you're in it. And so how do you use it as, as they say in the conscious teachings, how do you make it as, how is this happening for you versus to you? What does that mean? How do I get out of victim mode? Because it doesn't serve you to being accountable, responsible. What does that mean? Accountable responsible does not mean you blame yourself or you blame other accountable. Responsible means that if you're having the experience, then that's all you need to know that you're responsible for healing it because you're the one having the experience. If you if you it wasn't your responsibility, then you wouldn't be having that experience. And there's so many experiences [00:54:00] happening around the world at one time, and each individual is only aware of so many the ones that they're aware of that are triggering them that they're experiencing. That's, that's all you need to know that that means you're accountable, responsible for that. The stuff that's happening around the world that doesn't trigger you, it's not your responsibility to do the inner work around it. **Michelle Oravitz:** Yeah. Well, I mean, I can keep talking to you forever and of course we just talked about one subject, so perhaps I'll bring you back for other ones as well. But this is this is definitely the kind of thing that I'm very interested in and I nerd out on this all the time. It really is something I think about every single day. I think that it is when you really are bringing up your consciousness and becoming more aware in your life and. Really being the creator of your life or owning that you are a creator in your life I just think it brings another element of purpose and meaning everything. **Lorne Brown:** Yeah. We all want to be happy. And we think different things outside of us will make us happy. This work brings that kind of [00:55:00] happiness. And if, to kind of wrap this part up on consciousness from the materialistic and then the quantum perspective, you know, when we, when we're unconscious, or when we're in that state of fear, we don't feel safe, right? Then our body goes into survival mode, right? The fight or flight. And so, our resources are not available for healing. creativity and reproduction because they're in survival mode, you know, blood gets drained from the, the thinking brain goes, the blood gets drained from the digestion reproduction. And so, but when you feel safe, which is what conscious work is, so here's on the material level, you free up resources for healing, creativity, reproduction. And we know this, that the unsafe hormones of cortisol. and adrenaline and epinephrine, all those things affect inflammation, the body, the effect, your immune system, your hormonal system, your gut microbiome. And when you feel safe, you're releasing the

Small Firm, Big Impact Host Gillian Bowen catches up* with Ruth Owen, the Inspector-General of Taxation and Taxation Ombudsman, about crucial updates and insights that Chartered Accountants need to know. Hear about recent focus areas for the Tax Ombudsman, including ATO service standards and ATO letters. Ruth also shares valuable information on the role of the Tax Ombudsman, elimination of the backlog for the complaints line and how you can effectively address and escalate client issues. This discussion gives a useful update on the evolving landscape of tax administration and how the Tax Ombudsman can also assist with Tax Practitioner Board matters. Resources referred to in this episode: Tax Ombudsman website Tax Ombudsman’s work plan Tax Ombudsman’s systemic review of the effectiveness of the ATO’s registered agent phone line Poll on the ATO’s registered agent phone line Tax Ombudsman’s review of ATO letters and written communications Escalate complaints about the ATO with the Tax Ombudsman via its website or telephone on 1300 44 88 29 (1300 IGT TAX) *This episode was recorded on 2 April 2025. See omnystudio.com/listener for privacy information.

Brought to you by the Founders Unfiltered podcast by A Junior VC - Unscripted conversations with Indian founders about their story and the process of building a company. Hosted by Aviral and Mazin.Join us as we talk to Sundeep Mohindru, the Founder Director of M1xchange about their story.Sundeep Mohindru is a visionary entrepreneur and Chartered Accountant with over 18 years of experience in consulting, audit, and finance. He is the Founder Director of Mynd Solutions, a leading business process solutions firm with over 1,200 employees, serving clients across India, APAC, and MEA. Under his leadership, Mynd Solutions launched M1xchange in 2017, a transformative platform that has revolutionized the industry.

This CEO is Using AI to Detect Heart Disease Early – Meet Andrew Simpson CEO of Heart Sciences $HSCS Guest: Andrew Simpson Chairman and CEO / Board Member Heart SciencesTicker: HSCSWebsite:https://heartsciences.com/Bio:Andrew Simpson Chairman and CEO / Board Member Heart SciencesSince March 2022, Andrew Simpson has served as our President and Chief Executive Officer. Mr. Simpson has also served as the Chairman of our Board of Directors, since June 2013, and as a director of our Company since July 2012. Mr. Simpson has over 30 years' experience across a variety of business sectors and sizes. He was Group CEO of The Peel Group from 2006 to 2010, which is a large private company in the UK which, at the time, had approximately $8 billion of business assets across the real estate, ports, airports, energy, media, telecoms and environmental sectors. He was a main board director of Speedy Hire plc from 2003 to 2006 (during which time it became a FTSE 250 company) and during his tenure was Managing Director of its Equipment Rental division which had revenues of approximately $200 million and was also responsible for the Group's development and expansion which included seventeen acquisitions and several non-core divestments. Mr. Simpson qualified as a Chartered Accountant with Price Waterhouse and spent eight years working in investment banking at Rothschild, advising on a wide variety of merger and acquisition transactions, debt and equity fundraisings, IPOs and other advisory assignments. Mr. Simpson graduated with first class honors in 1991 from Sheffield Hallam University in the UK where he received a Bachelor of Arts (honors) in Accounting and Management Control.

"The customer is the CEO of the company; he can fire everyone." This core belief drove Harshvardhan Lunia's journey in building Lendingkart. He emphasizes that obsessively solving the customer's problem—be it the need for speed, transparency, or convenience—is the ultimate key to building trust and a successful financial services business. Harshvardhan Lunia is the Founder & CEO of Lendingkart, a fintech platform transforming SME lending in India. An ISB graduate and Chartered Accountant, he leveraged his background in banking and SME credit advisory to launch Lendingkart in 2014. Lendingkart has since disbursed over ₹20,000 crores to more than 3 lakh customers across 4,500+ towns and cities in India, achieving a total AUM of ₹7,500 crores (with ₹5,500 crores via co-lending) by FY24. Key Insights from the Conversation: ✅SME Lending Pain Points: Traditional lending for SMEs suffered from slow processes (3-4 months) and lack of transparency, creating a market gap. Lendingkart focused on speed (hours/days) and transparency from day one. ✅Data Over Tradition: Realizing traditional financial statements were often adjusted for tax purposes, Lendingkart pioneered using bank statement analysis and cash flow data for underwriting. ✅Tech-Driven Underwriting: The platform evolved from rule-based systems to sophisticated algorithms trained on billions of data points to assess risk and determine loan terms, achieving high predictive accuracy (97.5%). ✅The Rise of Co-Lending: Partnering with banks and larger institutions (co-lending) became crucial post-COVID, allowing Lendingkart to scale distribution while sharing risk and capital. By March 2022, 80% of business was co-lending, reaching a 25/75 (own books/co-lending) AUM split in FY24. ✅Distribution is Key: While underwriting and collections tech are vital, building trust and reaching customers across India (distribution) is the ultimate differentiator in the absence of a large legacy brand or branch network. ✅Fundraising Conviction: Raising capital involves storytelling and unwavering conviction in your vision, especially when building something new. It's an exam where you must clearly articulate why your approach will work. Harshvardhan even shared his unique approach of pitching using a whiteboard instead of presentations. #Lendingkart #HarshvardhanLunia #FintechIndia #DigitalLending #SMEFinance #MSME #NBFC #StartupIndia #Entrepreneurship #IndianStartups #FounderThesis #BusinessPodcast #VCFunding #CoLending #DataAnalytics #Underwriting #FinancialInclusion

The number of UK buy-to-let property companies listed at Companies House has soared to record levels since George Osbourne introduced his ‘Section 24’ tax bombshell on landlords. If you are stuck in the Section 24 tax trap contact me at charles@charleskelly.net to arrange a free consultation with a property tax specialist. There are now over 400,000 limited property companies registered, more than any other businesses and four times as many as fast food firms. Since 2016 there has been a fourfold rise in incorporated buy-to-let businesses, much of which is due to George Osbourne’s ‘Section 24’ tax hike on landlords. The change in the law meant that buy-to-let landlords with properties held in their own names could no longer offset mortgage interest against their rent (pre-profit gross income). Almost 700,000 properties are now held in limited companies, rather than in individual names, which has become the standard method used to buy investment property in the UK. Watch full video version - https://youtu.be/tdcdZDdu7qY Section 24 Property Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #section24 #TaxSavingTips #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips # #property #propertycompany #investmentproperty #buytoletlandlord

U.S President Donald Trump is expected to impose sweeping new reciprocal tariffs on global trading partners TODAY, upending decades of rules-based trade, risking cost increases and likely drawing retaliation from all sides. Details of Trump's "Liberation Day" tariff plans were still being formulated and closely held ahead of a White House Rose Garden announcement ceremony scheduled for later today. Sakina Kamwendo spoke to Chartered Accountant and Activist, Khaya Sithole

What does it really mean to communicate effectively in the digital world, especially for those who are neurodivergent? Helen explores the challenges and experiences neurodivergent individuals face, both in educational settings and the workplace. Joined by guest Lisa Kerr, a neurodiversity coach, they explore why labelling neurodivergent individuals as superheroes can be more harmful than helpful and emphasise the importance of understanding and meeting individual needs. Here are the highlights:00:00 The current landscape and why this is important05:51 Modern communication lacks physical presence, making genuine eye contact difficult.11:07 One-size-fits-all approaches don't work for neurodivergent people.13:12 Awareness of neurodiversity doesn't always equate to proper understanding.19:13 A child struggled in a mainstream school due to being bullied but thrived in a specialist school for neurodivergent students.22:29 Struggles with organisation are common for neurodivergent people26:19 Challenging instant responses is needed to reduce overwhelm.32:05 Create a separate channel for Lisa's actions with clear, concise requests, including what, why, and when, to prevent missed tasks.35:52 A neurodivergence diagnosis can be challenging and lengthy.42:25 Neurodivergent burnout after starting my own business.47:14 It's about efficiently streamlining and simplifying people's strategy for clearer communication and addressing challenges holistically.48:55 Helping leaders understand and accept challenges and burnout, enabling personal and organisational growth.About Lisa Kerr:Lisa Kerr is a Neurodiversity Coach, Business Consultant and Professional Speaker. As a Chartered Accountant with a Corporate Finance and HR background she spent more than 20 years in senior financial and operational roles from global professional services firms to regional SMEs, before launching Think Exceptionally in 2020. Lisa is Autistic and ADHD, which means that she processes information differently – she thinks exceptionally. But neurodivergence presents challenges in the workplace. Through her personal experience and training as an International Coaching Federation Certified Coach, Certified ADHD Life Coach and neurodiversity-inclusive coach, Lisa now also provides neurodiversity consulting to businesses and coaching to individuals. Her purpose is to give others the support she didn't even realise she needed but so wishes she'd had. Lisa lives by the sea in Sussex with her husband, teenage son and their rescue Boxer dog, Cooper.Instagram @ThinkExceptionallyUK https://www.instagram.com/thinkexceptionallyukWeb: www.ThinkExceptionally.comFacebook: ThinkExceptionallyUK https://www.facebook.com/thinkexceptionallyukYouTube: @ThinkExceptionallyUK https://www.youtube.com/@ThinkExceptionallyUKConnect with Helen:Website: helenpackham.comInstagram: www.instagram.com/helenpackhamFacebook: www.facebook.com/helenpackhamcoachLinkedIn:

About Emmanuel. Global Influencer in Finance As one of the top global influencers in the future of finance, Emmanuel is renowned for his ability to illuminate how finance is being transformed through a combination of geopolitics, cutting-edge technologies and decentralised finance. His work covers the full range of topics including: ⁠ ⁠the future of the dollar as a reserve currency, ⁠ ⁠the BRICS payment system, ⁠ ⁠the failure of CBDCs and the rise of stablecoins ⁠ ⁠when the U.S. embraces crypto, ⁠ ⁠the impact of AI on finance, ⁠ ⁠traditional banking and DeFi, ⁠ ⁠APIs and the cloud in finance ⁠ ⁠The personalization of finance Emmanuel is the founder of TAB Global, which encompasses platforms like The Asian Banker, Wealth and Society, and The Banking Academy. These platforms have been instrumental in building vital connections within the financial industry, fostering collaboration, and driving innovation on a global scale. End of tax year tips As the tax year comes to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities. Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000. See full video episode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO Section 24 Property Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips #emmanueldavid #globalfinace #property

The Treasurer handed down his fourth Federal Budget on March 25, 2025, and his last before the Australian election. CA ANZ experts were in the Budget lock-up to analyse the announcements, including tax cuts, a missed opportunity for small business and proposed sanctions for tax agents. Tax, Superannuation, and Financial Advice Leader Susan Franks CA joined Gillian Bowen to go through the announcements that impact Chartered Accountants. Resources referred to in the episode: Check out CA ANZ’s Federal Budget Coverage Visit the Smaller Practices Centre See omnystudio.com/listener for privacy information.

The Bank of England cut base interest rates from 4.75% to 4.5% in February, their lowest level for 18 months and raising hopes of further cuts in 2025. But now inflation has reared its ugly head again with an unexpected rise to 3%, largely driven by higher government borrowing and spending, as well as public sector pay rises. See video version - https://youtu.be/7Sc0oL4BHdM Mortgage holders and property buyers were hoping that the Bank of England would continue cutting rates this year and whilst this could still happen there is unlikely to be a further cut when the bank’s monetary committee meets on 20 March. Higher interest rates have a direct impact on how much you can borrow to buy a property, as the banks apply strict affordability criteria. However, the government has talked about easing mortgage lending to stimulate the flagging market and help first time buyers. Higher stamp duty does NOTHING to help people who want to buy their own home. End of tax year tips As the tax year comes to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities. Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000. See full video episode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO Section 24 Property Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips

In this episode of the Medics' Money Podcast, Chartered Accountant and Doctor Cyra takes over for Women's Week in honour of International Women's Day. She engages in a detailed discussion with Melanie Thomas, an accountant specialising in the financial management of doctors. The conversation delves into observed behavioral and career differences between male and female NHS consultants and GPs, particularly in relation to risk-taking, investment behaviors, and work-life balance. They explore the impact of these differences on gender pay gaps and pension disparities. Additionally, the episode provides actionable advice for female doctors to gain financial literacy and confidence in managing their finances. Stay tuned for more insights throughout Women's Week on multiple platforms. 00:00 Introduction to Women's Week 00:28 Meet Melanie Thomas: Accountant for Doctors 01:05 NHS Consultants: Gender Differences in Private Practice 03:16 GPs: Gender Dynamics and Financial Roles 06:11 Investing Behaviors: Risk Appetite and Gender 08:38 Balancing Family and Career: The Hidden Workload 10:10 Empowering Women in Finance 12:10 Conclusion and Upcoming Topics

UK Chancellor Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000. The government wants your money… Watch full video at Charles Kelly Money Tips Podcast - https://youtu.be/uXcCqWj_xfs They don’t produce wealth, they just tax those who do! They take from us to spend our money. High taxation is one of the reasons 10,000 millionaires left the UK last year. Check out my video on this. As the tax year draws to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities. In the latest episode of the Charles Kelly Money Tips Podcast, we break down essential end-of-tax-year tips to help you reduce your tax bill legally and keep more of your hard-earned money. 1. Maximize Your ISA Allowance You can save up to £20,000 tax-free in an Individual Savings Account (ISA). If you haven’t used your full allowance, now is the time to top it up. 2. Utilize Pension Contributions Contributing to your pension not only grows your retirement fund but also reduces taxable income, with tax relief of up to 45% for higher earners. We don’t know how long this tax concession will last. 3. Claim Allowable Expenses Self-employed? Ensure you claim all deductible expenses, such as home office costs, travel, and professional fees, to lower your taxable profit. 4. Use Capital Gains Allowance Sell assets strategically to take advantage of the current capital gains tax-free allowance before it resets in the new tax year. 5. Gift Money IHT Tax-Free Use your annual £3,000 inheritance tax gift allowance to pass on wealth without tax implications. Use it or lose it. 6. Use your accountant, tax specialist, financial adviser and other professionals to save you money. Good advice can save you a fortune. Invest in yourself. Don’t miss out on these end-of-tax-year strategies—watch the full video now! 7 Powerful Steps to Transform Your Finances in 2025 As we move closer to 2025, now is the perfect time to take charge of your finances and make it your most successful year yet. In the latest episode of the Charles Kelly Money Tips Podcast, we explore actionable strategies to help you achieve financial freedom and build wealth. Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY Section 24 Property Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips

Building a brand is about more than having a great product—it's about getting people to believe in it. Brian Smith, founder of UGG, knows this firsthand. What started as a niche surf product exploded into a globalphenomenon, but the real challenges came with scaling, staying ahead of competitors, and making the tough call to sell.In this episode, Brian shares the behind-the-scenes realities of growing a brand, navigating financial hurdles, and adapting to industry shifts. He unpacks the unexpected marketing move that changed everything, how he handled rapid expansion, and why the Oprah effect took UGG to an entirely new level. KEY TOPICSWhy fast-growing companies constantly need more money and how to prepare for it.How to build customer loyalty so strong that people market your product for you.The key decision that helped UGG stay ahead of copycats.How Brian Smith knew it was time to sell UGG. CHAPTERS00:00 – Intro: Defeating Bad Decision-Making in Life & Business06:15 – Brian Smith Returns: The Founder of UGG07:50 – How UGG Started: From Accountant to Entrepreneur10:12 – The First Sales Strategy That Completely Flopped12:31 – Struggles of Selling a New Product14:50 – The Sales Tactic That Changed Everything17:16 – Building Customer Loyalty19:12 – How Branding Decisions Can Make or Break a Business21:32 – Authentic Marketing: Why It Works23:48 – Expanding Beyond Surf Shops: Finding New Markets26:10 – How UGG Became a Status Symbol28:34 – What Most Business Owners Get Wrong About Growth30:55 – Why Scaling Almost Destroyed UGG33:19 – The Reality of Raising Capital 35:45 – Managing Investors & The Cost of Business Growth38:08 – Learning from Richard Branson: The Endless Need for Capital40:36 – Preparing to Sell UGG: The Decision to Exit42:59 – Negotiating the Sale: Finding the Right Buyer45:18 – Toxic Business Partners 47:45 – Corporate Takeover: What Happens After You Sell50:02 – The New Broom Syndrome: When a Brand Loses Its Identity52:28 – The Oprah Effect: UGG's Biggest Growth Moment53:27 – Brian's Top Decision-Making Tip for Business Owners55:59 – Where to Connect with Brian Smith56:13 – Key Takeaways57:53 – Message from the Producer  SIGN UP FOR OUR FREE WEEKLY NEWSLETTER CONNECT WITH US⁠www.decidedlypodcast.com⁠Watch this episode on YouTubeSubscribe on ⁠YouTubeJoin us on ⁠Instagram⁠: @decidedlypodcastJoin us on ⁠Facebook⁠Shawn's ⁠Instagram⁠: @shawn_d_smithSanger's ⁠Instagram⁠: @sangersmith  Thank you to Shelby Peterson of Transcend Media for editingand post-production of the Decidedly podcast. SANGER'S BOOK: ⁠A Life Rich with Significance: Transforming Your Wealth to Meaningful Impact⁠  SHAWN'S BOOK: ⁠Plateau Jumping: What to Change When Change Is What You Want⁠ MAKING A FINANCIAL DECISION?At ⁠Decidedly Wealth Management⁠, we focus on decision-making as the foundational element of success, in our effort to empower families to purposefully apply their wealth to fulfill their values and build a thriving legacy. LEARN MORE: ⁠www.decidedlywealth.com⁠  CONNECT WITH BRIAN SMITHWebsite: https://briansmithspeaker.com/“The Birth of a Brand” (Brian's book): https://www.amazon.com/Birth-Brand-Brian-Smith/dp/1582705356/ref=sr_1_1?ie=UTF8&qid=1461080262&sr=8-1&keywords=birth+of+a+brandLinkedIn: https://www.linkedin.com/in/briansmithuggfounder/Instagram: @briansmithugg Facebook: https://www.facebook.com/BrianSmithUGGFounder/ Graduating in 1978 as a Chartered Accountant in Australia, Brian came to California looking for the next big opportunity to bring back to Australia.  While studying at the UCLA Graduate School ofManagement he observed that there was no sheepskin footwear in the US.  With only $500 in capital, he imported bootsamples and built the UGG Australia brand into a multi-million-dollar international enterprise. He sold in 1995, and the brand has continued to grow to exceed a billion dollars in annual sales.

Aubrey speaks with a powerhouse in both finance and the arts. She'sa Chartered Accountant, who's navigated the world of finance at the highest levels, from leading major firms to serving as CEO of a stockbroking company. But beyond the boardroom, she’s also an artist and musician, proving that you don’t have to choose between numbers and creativity. Her name is Viwe Tini.See omnystudio.com/listener for privacy information.

In this episode of FP&A Tomorrow, host Paul Barnhurst (aka The FP&A Guy) sits down with Ritu Saxena, a chartered accountant, career coach, and founder of Project Upgrade Her. Ritu shares insights on transitioning into business partnering, building a strong personal brand, and empowering women to elevate their careers with confidence.Ritu is an accomplished finance professional and career coach with over 13 years of experience spanning investment banking, Big Four consulting, and commercial finance in India and New Zealand. She is the founder of Project Upgrade Her, a platform dedicated to helping women increase their career confidence and earning potential. Ritu has also been recognized as one of the Top 20 Chartered Accountants to Watch in Australia and New Zealand.Expect to Learn:Going beyond budgeting and forecasting to provide strategic insights.How to transition into business partnering and key skills required.Why it's essential for career growth to build a strong personal brand.The power of networking and how it can open unexpected doors in your career.Strategies for advocating for yourself and stepping into leadership roles.Here are a few relevant quotes from the episode:“Meeting people where they are and speaking their language is what makes a great business partner.”“The ability to be concise and communicate the ‘why' behind the numbers is an underrated but essential skill.”“Trust is built when you consistently deliver value, flag risks proactively, and help stakeholders make better decisions.”Ritu shared invaluable advice on transitioning into business partnering, building a strong personal brand, and taking control of your career growth. She highlights the importance of advocating for yourself and never letting your job title define your potential.The AFP FP&A Forum:The Association for Financial Professionals FP&A Forum, March 17–19 in Austin, is the must-attend event for finance professionals seeking sales-free, expert-led insights on AI, process efficiency and strategic planning. With 18+ actionable sessions and a community of peers, this forum is all about real learning, no fluff—join us and take your finance game to the next level.Explore the agenda: https://bit.ly/40W1eChUse the code FPAGuy2025 for $200 off: https://bit.ly/40Cts3BFollow FP&A Tomorrow:Newsletter - Subscribe on LinkedIn - https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=6957679529595162624 Follow Ritu:LinkedIn - https://www.linkedin.com/in/ritusaxena1/Company - https://www.projectupgradeher.com/Follow Paul: Website - https://www.thefpandaguy.com LinkedIn - https://www.linkedin.com/in/thefpandaguyPlanning in BI Showcase:Gone are the days of juggling multiple platforms. Now, with business intelligence tools you can integrate planning directly into your BI system. Join Paul on March...

Alex Dwek is the Chief Operating Officer at Nas Company, leading operations for Nas.io and Nas Academy. With a background in strategy and operations, Alex held leadership roles at Grab and Uber across Southeast Asia. He is a Chartered Accountant and a graduate of The University of Manchester, currently based in Singapore.In this episode, I sat down with Alex to reflect on some of today's most pressing questions—how do we build authentic community in an increasingly digital world? We dive into how the poison of social media might also hold the cure, unpack the brokenness of the online job market, and question what skills truly matter in times of uncertainty and crisis. Drawing from his experiences in Singapore and East Asia, Alex brings fresh perspectives on leadership, strategy, and the power of values-driven action. Ultimately, this conversation is a deep dive into the complexity of human connection—one grounded in the belief that true community must be substantiated by physical presence, touch, and the simple, irreplaceable experience of being together.

Like a patient on the operating table with no pulse, the UK economy is barely growing. Prime Minister, Keir Starmer and Rachel Reeves are desperately banging on the chest of the patient trying to revive it, but they don’t know how to bring it back to life. December figures show that the economy barely grew by just 0.1%. They talk of growth, but where is it going to come from? 10,000 millionaires have quit the UK in the last six months! China’s economy grew by 5% last year. Watch video version - https://youtu.be/FgXuoDMFE3c Retail sales were down in December! I’ve never heard of retail sales falling over Christmas. More inflation is expected as UK borrowing costs and bond yields have risen sharply. The country’s additional borrowing costs will run to £12 billion per annum. Paid by us, taxpayers of course. Governments screw up, we foot the bill. This could mean higher interest rates and higher mortgage costs for all of us at a time, and the Bank of England should be cutting rates. The market has lost confidence in the UK chancellor Rachel Reeves. She is out of her depth and reminds me the person that talks a good game and job interview but in reality hasn’t got a clue when they’ve got the job. Labour have got off to the worst start and any government I’ve never known. They want to give away the Chagos islands to Mauritius, and then lease it back at a cost of £9 billion! I’ve heard of sale and leaseback, but not “give” and leaseback. This will surely be remembered as the Prime Minister’s “Gordon Brown” moment. Gordon Brown was the Labour chancellor who sold off the U.K.’s gold reserves to China at rock bottom prices. Gold has risen by at least 10 times since the ill-fated sell-off. They inexplicably cut the small winter fuel allowance for millions of pensioners, taxed private school fees, and raised national insurance costs for employers, taxed our farmers and borrowed an additional £145 billion, all of which have made them hugely unpopular. And yet, the FT 100 index, reached a record level today! Apparently they expect interest rates to be cut by 0.25% when the Bank of England meet next month Will the Bank of England hold or cut rates next month? The implications are huge for the country and for the 700,000 borrowers who will come off fixed interest rates this year, as well as the first-time buyers who want to go on the property ladder. Buy to let property investment has become almost unviable, unless you have a large deposit or buying cheap properties up in the north-east. Some good news could be on the horizon for first time buyers as regulators are expected to relax lending rules. However, could this lead to another boom and bust? The massive building firm Taylor Wimpey has reported good profits of over £400 million last year and they built almost 10,000 new homes. Perhaps labours plan to relax planning rules will bring more homes onto the housing market. China What is going on between Labour and China? Why did Rachel Reeves desert her post at the time of the bond crisis last week? What are they given away for China to buy UK bonds? The Chinese government does not give anything without expecting something in return, and they normally bargain very hard. Foreign Secretary, David Lammy is expected to approve a new super embassy for China on the site of the old Royal Mint. Why does any country need a super embassy with hundreds of “diplomats”? Donald Trump could turn the US economy around, but will we get a decent trade deal after labour have alienating themselves from the new president elect? David Lammy, with his personal attacks, labour sending 100 people to America to canvas for Joe Biden during the US elections and now rushing to sign a deal with Mauritius before the presidential inauguration on January 20. Now it appears Labour are getting closer to China. The previous government cooled relations with China over Chinese technology, tensions over Hong Kong and Taiwan, the South China Sea, cyber security and allegations of spying. In summary, the lunatics have taken over the asylum! What does this mean for you? What can we do to cope on a personal level? If you believe we are entering choppy waters and stormy weather, now is the time to batten down the hatches and tighten your belts. This is not the time to purchase an £80,000 car on a lease or buy a fast-food franchise and open up yet another burger bar on the High Street. I’ve seen at least two or three new fast-food outlets or restaurants popping up on the High Street in the last couple of months. They are occupying premises that previous owners of similar businesses who went bust. I’ve talked to some of the business owners, and they are struggling. I walk past their restaurants and see the empty tables. I talk to a lady who opened up to bubble tea outlets and lost all her savings within six months. Her sign is still above the empty shop, which means the landlord has not been able to let the property again. Manage your money and control your spending. Invest wisely. If you’re nearing retirement, I would check with your financial advisor as to where your pension funds are invested. If you are young, I would learn more about AI. AI will kill 300 million jobs worldwide according to a recent report. People already been laid off in the City of London and Wall Street due to the impact of AI. A massive rise in employer national insurance contributions will hardly encourage employers to take on more staff. Worse still, it could lead to redundancies. Could be an easier time for homebuyers, if interest rates fall and the regulators ease the stringent restrictions on mortgage lending. Expect the best but prepare for the worst. Join me for my free webinar, Three. Steps to money, management and financial freedom, Wednesday 7 pm. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH See also: Is Great Britain Finished? As the UK faces mounting economic challenges, many are asking, "Is Great Britain finished?" The debt crisis in the bond market, combined with political and economic turmoil, paints a grim picture. Watch full video - https://youtu.be/smyXgIM0lWg Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s Make 2025 the year you take control of your financial future. By setting clear goals, budgeting wisely, paying yourself first, reducing debt, and investing strategically, you’ll be well on your way to building wealth and achieving financial freedom. Remember, every small step you take today can lead to significant financial growth tomorrow. For more tips and insights, watch the latest episode of the Charles Kelly Money Tips Podcast on YouTube and start your journey to financial success today! 3 Steps To Unlocking Financial Freedom! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #FinancialFreedom #WealthBuilding #SaveMoney #InvestWisely #CharlesKellyMoneyTips #PersonalFinance #finance #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax #debtcrisis #rachelreeves #money #businessnews #bondcrisis #china #rachelreeves #kierstarmer

New data has revealed the pay of chartered accountants in New Zealand lags behind that in Australia. A survey by Chartered Accountants Australia New Zealand has found members across the ditch took home a median NZ$177,000 compared to NZ$144,200 in New Zealand. Chief financial officers were being paid around $336,000 to New Zealand's $265,000. But Chartered Accountants' Charlotte Evett told Mike Hosking she's not surprised. She says they've always seen higher salaries in Australia than New Zealand, and the big gap in economic performance has been there since the 70s. However, there are reasons for accountants to stay in the country. Evett says a third of Australian accountants felt they were unfairly paid compared to 20% in New Zealand, and New Zealand can also be more affordable to live in. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Feeling uncertain about your business setup? In today's episode, we're tackling one of the biggest decisions for freelancers in the UK—should you be a sole trader or set up a limited company? I'm joined by Janet Knapton, a Chartered Accountant and expert in helping freelancers make smart, tax-efficient decisions. Janet breaks down the pros and cons of both structures, helping you decide which one is right for you and your business. You'll get clear, simple, and actionable steps to make this crucial decision, and tips on staying tax-efficient while focusing on what matters most: growing your business. For more resources, including links to Janet Knapton's website and social media, check out the episode page. If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer! If you liked this episode, discover the full series.#ad Listen to PensionBee's monthly podcast, The Pension Confident Podcast to better understand the world of personal finance and pensions: Connect with Emilie:Sign up to The Edit newsletterFollow Vestpod on InstagramEnroll in our upcoming bootcampsGet Emilie's book: You're Not Broke, You're Pre-Rich#ad Thank you to our partner PensionBee. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk. Hosted on Acast. See acast.com/privacy for more information.

In this episode of Corporate Treasury 101, we explore how treasurers navigate extreme crises. From cyberattacks and corporate fraud to the impact of COVID-19, Matt Cornwall shares firsthand lessons in crisis management, leadership, and the evolving role of treasury operations.Matt Cornwall is a seasoned finance professional with over 25+ years of experience, transitioning from Chartered Accountant to Treasurer just before the global financial crisis. He has held key treasury roles at companies like Virgin Atlantic and Travelex, where he managed through a cyberattack, financial fraud, and the pandemic. Matt is now Head of Treasury Operations for EMEA at Chubb, the world's largest property and casualty insurer.Expect to LearnThe Unexpected Path to Treasury: How Matt transitioned from accounting to treasury, and why he never looked back.Surviving a Cyberattack: The inside story of the Travelex ransomware attack and how Matt's team managed operations with no systems.Crisis Leadership: Strategies for leading a team through uncertainty, from cyberattacks to global pandemics.Treasury and Technology: How modern treasury operations rely on technology, and what happens when it all fails.Lessons in Resilience: What Matt learned about communication, leadership, and adaptability during the toughest period of his career.Episode Breakdown with Timestamps[00:00:00] - Introduction & Treasury Career Trends[00:00:57] - Meet Matt Cornwall: From Accounting to Treasury[00:03:45] - The Role of Qualifications in Treasury[00:05:37] - The Travelex Cyberattack: A Real-Life Crisis[00:10:46] - Managing Treasury Without Systems[00:14:13] - Unexpected Challenges Beyond the Cyberattack[00:27:08] - Financial Fraud at the Parent Company[00:30:52] - The COVID-19 Impact on Treasury Operations[00:39:09] - Leadership in Crisis: Communication & Trust[00:47:40] - Life After Travelex: Matt's Current Role at Chubb[00:49:32] - Closing Thoughts & How to Connect with MattFollow Matt Cornwall on Socials: Linkedin: https://www.linkedin.com/in/matt-cornwall-6447521/ Website: https://www.chubb.com/us-en/ Follow Corporate Treasury 101:Website: https://corporate-treasury-101.com/ LinkedIn:https://www.linkedin.com/company/86645197/admin/dashboard/ Follow Hussam & Guillaume:Hussam on LinkedIn: https://www.linkedin.com/in/hussam-ali-6bb69186/ Guillaume on LinkedIn: https://www.linkedin.com/in/guillaume-jouvencel/ Gha Marketing Website: https://ghapodcast.com/ ----------------------------------------------------------------------------------Get $100 off any AFP product, including their CTP Exam Prep Platform, using our discount code! Find this and More on our partner's page

Debt crisis in the bond market Rachel Reeves flies off to China £3 trillion national debt rising by £5170 per second Higher taxes, low investment, slow growth GDP per capital lower that 17 years ago. Is Great Britain Finished? The Debt Crisis Unveiled As the UK faces mounting economic challenges, many are asking, "Is Great Britain finished?" The debt crisis in the bond market, combined with political and economic turmoil, paints a grim picture. Debt Crisis in the Bond Market The national debt has surpassed a staggering £3 trillion and is rising by £5,170 every second. With interest rates climbing, servicing this debt becomes increasingly expensive, putting immense pressure on the government’s budget. The bond market, a critical mechanism for financing this debt, is showing signs of instability as investor confidence wanes. Rachel Reeves Flies to China While Britain’s economic foundations tremble, Shadow Chancellor Rachel Reeves’s recent visit to China raises questions. Is Britain looking outward for economic salvation, or is this a sign of deeper dependency on foreign powers? Higher Taxes, Low Investment, and Slow Growth The current economic model is under strain. Higher taxes have stifled consumer spending and business investment, leading to sluggish growth. The result? A GDP per capita that is now lower than it was 17 years ago, reflecting stagnation in living standards and economic opportunity. A Nation at a Crossroads With its economic future uncertain, Britain must address these pressing issues. A strategy to boost investment, foster innovation, and balance fiscal policy is essential to restore confidence and drive growth. Subscribe to the Charles Kelly Money Tips Podcast for expert insights on navigating today’s financial landscape. Let’s explore whether Britain can overcome these challenges or if the nation’s best days are behind it. Watch video version: https://youtu.be/smyXgIM0lWg See also: 7 Powerful Steps to Transform Your Finances in 2025 As we move closer to 2025, now is the perfect time to take charge of your finances and make it your most successful year yet. In the latest episode of the Charles Kelly Money Tips Podcast, we explore actionable strategies to help you achieve financial freedom and build wealth. Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s Make 2025 the year you take control of your financial future. By setting clear goals, budgeting wisely, paying yourself first, reducing debt, and investing strategically, you’ll be well on your way to building wealth and achieving financial freedom. Remember, every small step you take today can lead to significant financial growth tomorrow. For more tips and insights, watch the latest episode of the Charles Kelly Money Tips Podcast on YouTube and start your journey to financial success today! 3 Steps To Unlocking Financial Freedom! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #FinancialFreedom #WealthBuilding #SaveMoney #InvestWisely #CharlesKellyMoneyTips #PersonalFinance #finance #moneytraining #moneymanagement #wealth #money #debt #financialplanning #moneymanagement #financialfreedom #section24tax

Hello everyone, and welcome back to the Get Organised with Decluttr Me podcast! We're in the last week of our special series focused on financial wellness and getting organised with your money. This series is all about helping you create clarity, reduce stress, and build healthier habits around your finances. To continue this journey, I'm excited to welcome Carol Glynn to the show. Carol is a Chartered Accountant with over 20 years of experience as a CFO for international companies across Europe, the Middle East, and Africa. Now a financial wellness coach, she empowers individuals and businesses to take control of their finances through practical strategies and mindset coaching. Carol's approach blends financial expertise with emotional intelligence, making her insights invaluable for anyone looking to transform their relationship with money. To connect with Carol, you can find her on the following platforms: Website Instagram LinkedIn Subscribe, follow, or like my podcast on your preferred platform and share it with friends who might benefit from these organisational gems. I'd love to hear your thoughts and experiences, so please leave a review or connect with me on social media. Thank you for joining us, Carol!

#342 In this episode, Guy spoke with Chris Volpe, who shared his profound spiritual experiences and the transformative impact they had on his life. He discussed his intense meditation sessions, which transported him to Egypt, where he experienced a symbolic death and rebirth in a sarcophagus. Chris reflected on how these journeys, including a retreat in Bali and a pilgrimage to Egypt, led to significant personal growth and a deepened sense of trust and flow in life. He also highlighted his career as a CEO and how his spiritual work positively influenced his professional and personal life, urging listeners to take steps towards their own inner journeys. About Chris: Chris Volpe is a motivated accountant and entrepreneur with experience in business administration, operational systems, business restructuring and insolvency, leadership, and strategy. He is currently based in Byron, Australia and is the chief of Fox Wardrobes.  Chris is a passionate business man focused on delivering outstanding results for all involved. He is a fully qualified Chartered Accountant with a post graduate diploma in Insolvency Accounting with more than a decade of experience in business management. Key Points Discussed:  (00:00) - Man REVEALS How Chakras OPENED a PORTAL to Past Lives & Profound Spiritual Insights! (01:05) - Welcome Back to the Podcast (02:00) - Balancing Business and Personal Growth (04:22) - The Impact of Personal Development (10:44) - Journey to Bali and Spiritual Awakening (15:15) - A Transformative Meditation Experience (27:44) - Continuing the Spiritual Journey in Egypt (36:42) - Reflections and Lessons Learned (46:51) - Final Thoughts and Future Plans How to Contact Chris Volpe:foxwardrobes.com.au   About me:My Instagram: www.instagram.com/guyhlawrence/?hl=en Guy's websites:www.guylawrence.com.au www.liveinflow.co

Stop spending! You can’t spend your way to financial freedom! Stop blowing every penny and start saving and investing for your future. Stop running up credit card debt and using credit to buy consumer goods. Stop shopping! Make investing your hobby instead of shopping! Stop living beyond your means and get a grip on your finances. Stop wasting time and learn about money and investing. Stop hoping and wishing for financial freedom and start taking ACTION! Watch video - https://youtu.be/up2SaynhQM4 See also: 7 Powerful Steps to Transform Your Finances in 2025 As we move closer to 2025, now is the perfect time to take charge of your finances and make it your most successful year yet. In the latest episode of the Charles Kelly Money Tips Podcast, we explore actionable strategies to help you achieve financial freedom and build wealth. Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s Conclusion Make 2025 the year you take control of your financial future. By setting clear goals, budgeting wisely, paying yourself first, reducing debt, and investing strategically, you’ll be well on your way to building wealth and achieving financial freedom. Remember, every small step you take today can lead to significant financial growth tomorrow. For more tips and insights, watch the latest episode of the Charles Kelly Money Tips Podcast on YouTube and start your journey to financial success today! 3 Steps To Unlocking Financial Freedom! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #FinancialFreedom #MoneyManagement #2025Goals #WealthBuilding #SmartInvesting #DebtFreeJourney #SaveMoney #InvestWisely #BudgetingTips #CharlesKellyMoneyTips #FinanceSuccess #PersonalFinance #finance #moneytraining #moneymanagement #wealth #money #debt #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #section24

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As we move closer to 2025, now is the perfect time to take charge of your finances and make it your most successful year yet. In the latest episode of the Charles Kelly Money Tips Podcast, we explore actionable strategies to help you achieve financial freedom and build wealth. Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY 1. Set Clear Financial GoalsThe foundation of financial success is knowing what you want to achieve. Whether it’s saving for a house, clearing debt, or growing your investments, set specific, measurable, and realistic goals. 2. STOP BLOWING IT ALL AWAY - Create and STICK to a BudgetA budget is your financial roadmap. Track your income and expenses to identify areas where you can cut back and save more. Apps like Money Dashboard or Yolt can simplify this process. 3. Pay Yourself FirstAutomate your savings by setting aside a percentage of your income as soon as you’re paid. This ensures your financial priorities come first, not last. 4. Reduce DebtEliminating high-interest debts, such as credit cards, frees up more money for savings and investments. Consider the snowball or avalanche method to tackle debt effectively. 5. Invest Wisely2025 is the year to grow your money. Explore opportunities in stocks, property, or ISAs. A diversified investment portfolio can help you build long-term wealth. 6. Boost Your IncomeStart a side hustle, upskill, or negotiate a raise at work to increase. 7. Reduce Your Taxes Legally cut the amount of tax you pay on your savings, investment income and even inheritance with proper planning and advice. Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s Conclusion 2025 can be the year you take control of your financial future. By setting clear goals, budgeting wisely, paying yourself first, reducing debt, and investing strategically, you’ll be well on your way to building wealth and achieving financial freedom. Remember, every small step you take today can lead to significant financial growth tomorrow. For more tips and insights, watch the latest episode of the Charles Kelly Money Tips Podcast on YouTube and start your journey to financial success today! 3 Steps To Unlocking Financial Freedom! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #FinancialFreedom #MoneyManagement #2025Goals #WealthBuilding #SmartInvesting #DebtFreeJourney #SaveMoney #InvestWisely #BudgetingTips #CharlesKellyMoneyTips #FinanceSuccess #PersonalFinance #finance #moneytraining #moneymanagement #wealth #money #debt #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #section24

Stephen Grootes speaks to Khaya Sithole, Chartered Accountant about the listing of State-owned enterprises on the JSE and possible launch on the Soweto Stock Exchange. In other interviews, Menzi Ndhlovu, Senior Country Risk and Political Risk Analyst at Signal Risk, talks about the critical importance of a stable Mozambique, particularly considering the country's recent presidential inauguration amid deadly unrest.See omnystudio.com/listener for privacy information.

Is Living Abroad for Tax Purposes Really Any Better than the UK? Many Brits dream of living abroad to escape high UK taxes, but is it truly the best financial decision? Moving to tax havens or low-tax countries might seem appealing, but the reality is more complex. Watch video - https://youtu.be/fcFv_rTBr-M 1. Cost of LivingWhile some countries offer lower taxes, the cost of living—housing, healthcare, and daily expenses—can be significantly higher. Places like Dubai or Monaco might save you tax but cost a fortune in rent and lifestyle maintenance. 2. Tax ImplicationsRelocating doesn’t mean you’re off the hook with UK taxes. If you retain assets, investments, or property in the UK, you may still owe taxes under UK laws. Additionally, some countries have hidden taxes or high residency fees. 3. Lifestyle AdjustmentsLeaving the UK means adapting to a new culture, healthcare system, and possibly language barriers. These adjustments can be challenging and costly if poorly planned. The AlternativeBefore packing your bags, explore tax-efficient strategies in the UK. Options like ISAs, pensions, and efficient business structures can reduce your tax burden legally without leaving home. Living abroad for tax purposes isn’t always the financial paradise it seems. Carefully weigh the benefits and costs before making the leap. How will Labour’s new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party’s Renters' Rights Bill 2024 is poised to bring significant changes to the UK’s rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Key Changes Proposed in the Renters' Rights Bill 2024 Watch video version - https://youtu.be/Wx1HXgVW1bM Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #section24 #LivingAbroad #TaxPlanning #UKTaxes #FinancialFreedom #ExpatLife #MoneyTips #CharlesKellyMoneyTips #PersonalFinance #WealthBuilding

Stephen Grootes speaks to Khaya Sithole, Chartered Accountant, about Finance Minister Enoch Godongwana's stance on amending banking laws to prevent the arbitrary closure of bank accounts.See omnystudio.com/listener for privacy information.

Section 21 eviction notices have been served on 150 residents on a block of flats in Deptford, South London, weeks before Christmas. A Section 21 is a legal method for the landlord to require a tenant to leave a rental property without the need to provide a reason for "no-fault" eviction. A tenant can challenge it and stay in the property until physically evicted, but they may incur court costs. Watch full video - https://youtu.be/u-v8WXgpTuo Even with a Section 21 notice, it can take landlords 6 to 12 months to evict a tenant who refuses to move out – often under advice for their local council’s housing or “homeless prevention” department. The owners of the property, the Aitch Group said a Section 21 notice had been issued to tenants at the Vive Living development to "facilitate the refurbishment of the building". "The tenants have been given two months' notice, as a minimum, in accordance with their tenancy agreements.". The eviction notices may have been prompted by Labour’s Renter’s Rights Bill, currently going through Parliament, which will abolish Section 21 “no fault” evictions. Many landlords are quitting the buy-to-let property market or switching to other rental models, such as AIRBNB serviced accommodation or leasing to local authorities and housing associations. How will Labour’s new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party’s Renters' Rights Bill 2024 is poised to bring significant changes to the UK’s rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Key Changes Proposed in the Renters' Rights Bill 2024 Watch video version - https://youtu.be/Wx1HXgVW1bM Section 24 Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #section24

شاید با شروع سال جدید به فکر شروع یک کسب‌و‌کار (بیزنس) در استرالیا باشید؟ در این گفت‌وگو مسعود حبیبیان حسابدار رسمی (Chartered Accountant) و مشاور مدیریت و مالیات در این رابطه توضیح می‌دهد.

Gita for the CEO book: Chaitanya Charan interviewed by a leading Chartered Accountant in Dubai by Exploring mindfulness, yoga and spirituality

PwC recently released their 46th edition of their Emerging Trends in Real Estate which also included a separate report for Canada (the 20th version). This is a must read report for anyone involved in the commercial real estate industry. To discuss their findings for 2025 I was pleased to be joined by Fred Cassano, Partner and the National Real Estate Leader with PwC Canada. We discussed the current state of the market as well as what they expect to transpire in 2025. About Fred: Fred provides strategic business and tax advice, including structuring of personal and corporate transactions and reorganizations, assistance with shareholder/owner remuneration and designing tax-effective strategies for wealth preservation and accumulation in the context of tax, estate and succession planning. As the National Real Estate Tax Leader, Fred dedicates most of his time servicing the real estate sector and has experience in effective tax planning for the acquisition, ownership, leasing and disposition of real estate and structuring / restructuring partnership and joint venture arrangements. His real estate clients are involved in residential, industrial and commercial development and the ownership of office, industrial and residential properties. Together with technology partners, Fred also assists in developing strategies and structures for PropTech related ventures. Fred is a Chartered Accountant and a graduate of York University's Schulich School of Business. Connect with Fred: https://ca.linkedin.com/in/fredcassano Reports: PwC Emerging Trends in Canadian Real Estate: https://www.pwc.com/ca/en/industries/real-estate/emerging-trends-in-real-estate.html PwC Emerging Trends in Real Estate: https://www.pwc.com/us/en/industries/financial-services/asset-wealth-management/real-estate/emerging-trends-in-real-estate.html PwC Emerging Trends in Real Estate Europe: https://www.pwc.com/gx/en/industries/financial-services/real-estate/emerging-trends-real-estate/europe.html --

Join us on this episode of PaisaVaisa as we sit down with Satish Mehta, founder of Athena CredXpert, to explore his journey from Chartered Accountant to entrepreneur. We delve into India's burgeoning credit card market, discussing its benefits and potential pitfalls. Satish shares his expertise on avenues available for individuals without credit scores seeking loans, the rise of Buy Now Pay Later (BNPL) services, and strategies for managing credit effectively. We also debunk common myths about credit scores and offer guidance for those aiming to improve theirs. For anyone caught in a debt trap, Satish provides actionable advice. Tune in for invaluable insights into India's evolving credit ecosystem. Get in touch with our host Anupam Gupta on social media: Twitter: ( https://twitter.com/b50 ) Instagram: ( https://www.instagram.com/b_50/ ) LinkedIn: (https://www.linkedin.com/in/anupam9gupta/                          You can listen to this show and other awesome shows on the IVM Podcasts website at https://www.ivmpodcasts.com/ You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.Do follow IVM Podcasts on social media. We are @ivmpodcasts on Facebook, Twitter, & Instagram.    See omnystudio.com/listener for privacy information.

Phantom Electric Ghost With Nicolette Nierras: Transformational Coach and RTT Therapist  Nic Nierras is the founder of Nic Nierras Wholistic Lifestyle, a coaching platform dedicated to helping individuals achieve balance, success, and inner peace through holistic methods. With a background as a Chartered Accountant, Nic transformed her career after recognizing the need for deeper fulfillment beyond financial success. Her approach combines Rapid Transformational Therapy (RTT) with life coaching, guiding clients to heal from personal setbacks, redefine their life's purpose, and achieve true wealth through a harmonious balance of mind, heart, and soul. Nic is also the host of the You're Worthless Podcast, where she invites listeners on an introspective journey of self-worth, challenging societal norms, and inspiring transformation. Her mission is to empower individuals—particularly women—to break free from limiting beliefs, emotional obstacles, and unfulfilling careers to create lives of purpose, happiness, and abundance. With her warm energy and deep insights, Nic helps her clients connect with their true potential and embrace their worthiness in all aspects of life. Link: https://thenicnierraswholisticlifestyle.com/ Donate to support PEG free artist interviews: PayPalMe link Any contribution is appreciated: https://www.paypal.com/paypalme/PhantomElectric?locale.x=en_US Support PEG by checking out our Sponsors: Download and use Newsly for free now from www.newsly.me or from the link in the description, and use promo code “GHOST” and receive a 1-month free premium subscription. The best tool for getting podcast guests:  Podmatch.com https://podmatch.com/signup/phantomelectricghost Subscribe to our Instagram for exclusive content: https://www.instagram.com/expansive_sound_experiments/ Donate to support PEG free artist interviews: Subscribe to our YouTube  https://youtube.com/@phantomelectricghost?si=rEyT56WQvDsAoRpr PEG uses StreamYard.com for our live podcasts https://streamyard.com/pal/c/6290085463457792 Get $10.00 Credit for using StreamYard.com when you sign up with our link RSS https://anchor.fm/s/3b31908/podcast/rss

Welcome to an interview with the author of Strategy and Leadership as Service, Sara Daw. Her new book provides businesses with access to the complete range of functional, emotional, and collective intelligence at the C-suite level by moving their positions from the “pay-roll” to an “access-role.”   In this episode, Sara discussed strategies for advancing a career to the C-suite, including joining the right organization with clear career paths and development opportunities, and how to find a mentor and a sponsor within the organization to help open doors and realize career ambitions.   Sarah took us on her journey to becoming a fractional CFO and finding her first few clients, a motivational story of persistence and not giving up. Additionally, Sara shares her advice on marketing strategies, time management, and maintaining a balance between work and personal life.   Sara Daw is an entrepreneur, researcher, writer, speaker and future of work expert. Listed in the 2024 E2E Female 100, Sara is passionate about designing the future of work for C-level talent and organizations. As well as publishing the first research on the Access Economy for C-suite talent in her second book, Strategy and Leadership as Service, she is Co-Founder and Group CEO of The CFO Centre and The Liberti Group, the global number one provider of part-time and fractional C-suite professionals. Sara is a graduate in Chemistry from Oxford University, a Chartered Accountant, holds an MBA from The London Business School, and a Mastère Spécialisé® in Consulting and Coaching for Change, run jointly by Oxford University (Saïd Business School) and HEC Business School in Paris.   Get Strategy and Leadership as Service here: https://shorturl.at/I3TSS   Here are some free gifts for you: Overall Approach Used in Well-Managed Strategy Studies free download: www.firmsconsulting.com/OverallApproach   McKinsey & BCG winning resume free download: www.firmsconsulting.com/resumepdf   Enjoying this episode? Get access to sample advanced training episodes here: www.firmsconsulting.com/promo

Welcome to Strategy Skills episode 499, an interview with the author of Strategy and Leadership as Service, Sara Daw. Her new book provides businesses with access to the complete range of functional, emotional, and collective intelligence at the C-suite level by moving their positions from the “pay-roll” to an “access-role.”   In this episode, Sara discussed strategies for advancing a career to the C-suite, including joining the right organization with clear career paths and development opportunities, and how to find a mentor and a sponsor within the organization to help open doors and realize career ambitions.   Sarah took us on her journey to becoming a fractional CFO and finding her first few clients, a motivational story of persistence and not giving up. Additionally, Sara shares her advice on marketing strategies, time management, and maintaining a balance between work and personal life.   Sara Daw is an entrepreneur, researcher, writer, speaker and future of work expert. Listed in the 2024 E2E Female 100, Sara is passionate about designing the future of work for C-level talent and organizations. As well as publishing the first research on the Access Economy for C-suite talent in her second book, Strategy and Leadership as Service, she is Co-Founder and Group CEO of The CFO Centre and The Liberti Group, the global number one provider of part-time and fractional C-suite professionals. Sara is a graduate in Chemistry from Oxford University, a Chartered Accountant, holds an MBA from The London Business School, and a Mastère Spécialisé® in Consulting and Coaching for Change, run jointly by Oxford University (Saïd Business School) and HEC Business School in Paris.   Get Strategy and Leadership as Service here: https://shorturl.at/I3TSS   Here are some free gifts for you: Overall Approach Used in Well-Managed Strategy Studies free download: www.firmsconsulting.com/OverallApproach   McKinsey & BCG winning resume free download: www.firmsconsulting.com/resumepdf   Enjoying this episode? Get access to sample advanced training episodes here: www.firmsconsulting.com/promo

In today's episode I had the pleasure to speak with returning guest Ronan McGovern. In today's episode Ronan and I explore what it is like to thrive with ADHD in the workplace. Ronan is not only a fellow ADHD'er but is the perfect example of what's possible underneath the noise of our neuro-machinery and see our  omni-potential. Ronan and I explored how to be successful in life with ADHD. Ronan McGovern grew up in Dublin without knowing that he had ADHD. This was diagnosed in 1996 while he was a master's student at Stanford Business School. Ronan worked at Price Waterhouse Dublin, where he qualified as a Chartered Accountant. Then, Ronan attended King's Inns for four years where he graduated as a Barrister-at-Law. In 1995 he started his studies at Stanford Business School. Since Stanford Ronan has worked in AIB Bank, in Dublin, Ireland. In 2021, Ronan initiated a voluntary project in collaboration with Stanford Business School (named Rebuild), recruiting 50 other volunteers to write and publish a 60 page landmark report on Neurodiversity in the workplace. 

Today's guest on the podcast is my good friend David Wetton, a Chartered Accountant and Warwick MBA, who is also an ordained interfaith minister. As a Conscious Leadership mentor, David helps executive leaders transform their leadership presence and performance. As a teenager, his career began very differently; he was intrigued by numbers and business, and this fascination led him to pursue a career in accounting. However, his spiritual journey profoundly understood the purpose of his life's path. David will share the phrase “either everything is sacred or nothing is," illustrating how he sees the sacred elements in every step of his journey.Today, we will discuss transformative ideas at the intersection of spirituality and global change. We'll explore a topic that's both revolutionary and provocative: Bitcoin, A Spiritual Solution For Humanity. David brings a unique perspective, merging his deep background in finance, spirituality, and leadership to unpack the profound implications of Bitcoin in our world today.In this episode, we discuss the journey from traditional financial systems to the decentralized promise of Bitcoin, its potential to disrupt economic inequality, and its spiritual resonance as a tool for individual empowerment and global change. We'll explore Bitcoin's fixed supply, community trust, and its role in awakening people to the true nature of money. David shares how Bitcoin can serve as a means of wealth preservation in troubled economies and as a catalyst for creating a more just and spiritually aligned financial future. Plus, we'll touch on the exciting potential of Bitcoin to bridge us toward a more sustainable and community-driven economy.So, grab your headphones and join us as we look beyond the headlines and dive into Bitcoin's spiritual and practical dimensions with David Wetton on Sacred Changemakers.Key TakeawaysDavid's unique skill set in leadership, spirituality, and financeHow Bitcoin was created in response to a corrupt banking systemComparison to a spiritual movement with clear meaning, purpose, and valuesThe Gene Keys interpretation for BitcoinA broader vision for the future of finance and moneyMemorable Quote*“Bitcoin is a spiritual movement. It gives me a sense that I can be sovereign with my money. I'm not being told what to do by people with unclear and nefarious purposes motivating how they use my money”—*David WettonEpisode Resources:BOOK: The Bitcoin Standard by Saifedean AmmousBOOK: The Bitcoin Prophecy - What An Argentinian Can teach you about Bitcoin by Ariel AguilarBOOK: The Price Of Tomorrow by Jeff BoothEgo Death Capital run by Jeff Booth (transformative bitcoin ecosystem venture fund investing in bitcoin projects)US Inflation CalculatorUS National Debt Clock15th August 1971 - Nixon Ends Convertibility of U.S. Dollars to GoldVIDEO: Jeff Booth on why Bitcoin is...

Beyond who pays on the first date and finding a ‘provider', what does it ACTUALLY look like to run a healthy financial household with your spouse? Is it truly possible to achieve financial freedom and financial joy with your beloved? What does long term planning look like in marriage - and what are the red flags around money that we as women should look out for, and avoid displaying, when it comes to our money? We're joined by our friends, dynamic duo and joint entrepreneurs, the Humble Penny, to answer all the burning questions that our ‘generational wealth builders have…and more.