Podcasts about correct

Atrial fibrillation is the most common sustained cardiac arrhythmia, affecting ~37.6 million people globally, with prevalence expected to double in the coming decades.    A recent Lancet Seminar (2026) highlights several key principles shaping modern AF care:   • Stroke prevention with oral anticoagulation remains the cornerstone • Early rhythm control strategies improve cardiovascular outcomes • Catheter ablation is increasingly used as first-line therapy • Lifestyle modification—weight loss, exercise, alcohol reduction—reduces AF burden • Integrated care models such as the ABC pathway and AF-CARE improve outcomes   The future of AF management is holistic, preventive, and patient-centred.   #Cardiology #AtrialFibrillation #StrokePrevention #Electrophysiology #PrecisionMedicine

The Psychology Hack Every Trader Needs  Podcast: Find out more about Blueberry Markets – Click Here Find out more about my Online Video Forex Course Book a Call with Andrew or one of his team now Click Here to Attend my Free Masterclass YouTube: Dr. David Bonanno Enroll to Max Discipline Click Here to Learn More About Max Discipline Click Here to Checkout the Book: The Consistently Calm Trader: Master the War Between Discipline 626: The Psychology Hack Every Trader Needs In this video: 00:17 – Talking about mindset in trading. 00:54 – Dr David Bonanno helps traders. 08:02 – Traders issues with over trading and thinking money! 13:24 – Don't reinvent the wheel. 16:30 – You don't need a 90% win rate. 21:40 – You have to love the concept of trading. 25:55 – Traditional forum sites don't work. 27:50 – Be real with your trading. 30:25 – Contacting Dr Dave. Andrew Mitchem Hi everybody. It’s Andrew here at The Forex Trading Coach. Welcome along to another video and podcast. I’m really pleased today to be joined by Dr. Dave Bonanno over in the US. Dave, welcome along. Nice to have you here. Dr. Dave Bonanno Thanks. Yeah. Great to be here. Talking about mindset in trading. Andrew Mitchem Really looking forward to this because quite often in trading we talk about strategy and rules, talking about indicators and charts and things like that. But today we want to bring it back to something that applies to everybody. No matter what type of trading you are, whether your fundamental trade, a technical trade or a mix. And it’s really important that you start to understand, your mindset within trading. And that’s why, Dr. Dave here today is here. And how he’s going to help you and all of us listening and watching with the mental aspect of trading. So, Dr. Dave, maybe you can start about introducing yourself, what you do and how you help traders at that. Dr David Bonanno helps traders. Dr. Dave Bonanno Okay, great. Yeah. So I started off, as a therapist who is really trying to help people with problems, especially PTSD. And most people don’t really know what PTSD is like. If you look it up, there’s no definition. It’s just a list of symptoms. So the way that I define it now is that it’s when you have adrenaline and it just is overactive. And the thing to know is that when you have adrenaline, it makes your logical brain go offline. So I maintain that adrenaline is every trader’s enemy, and it doesn’t mean that you’re in full fight or flight, or that you’re afraid or that you’re angry. It can affect us in a lot of ways that we’re not even really aware of. And so if you like, read other mindset books or listen to other people who talk about the psychology of trading, they talk about changing your thoughts. But what I’m really all about is how to, engage with your subconscious in a way so that it doesn’t contaminate what you’re doing on a moment by moment basis. Andrew Mitchem Interesting. So you’re taking a slightly different approach to it. So on a like just to get it on the beginning, but to give her some right at the beginning on, on a, on a like a practical basis, someone’s out, they’re trying to identify a trade setup or they’re in a trade maybe. What do you do that could help them with those scenarios? Right. So I had this trader named Tony, and he was really successful in his career, and he wanted to gear up for retirement. And he he was a very logical guy and he could understand intellectually probabilities and all that. But when money was on the line, especially when he was trying to scale or even when he was trying to, take payouts from the prop firms, he would find himself just not quite making the right decisions. So of course, he looked at his strategy and and his, you know, technical skills. But I think what he didn’t realize at the time was sometimes adrenaline would get in the way. And and so that could be like if he was putting pressure on himself to provide a financial security for him and his family, or if he couldn’t really accept losses all that well, and I’m not even talking about like, yeah, I’m not talking about like throwing a tantrum or anything, but like, his wife would notice that he wasn’t in a very good mood after he had a red day. And so, yeah, we we needed to look at what was going on for him subconsciously. And, you know, we all could try to think like, well, you know, I’m pretty much in control of my emotions or I didn’t really notice, you know, what was happening for me in the moment. But we’re talking about subconscious stuff. And by definition that’s what we’re not aware of. Andrew Mitchem Yeah. Dr. Dave Bonanno So yeah. Yeah. So, yeah, one of the things I do first is I help people to identify, what exactly is going on for them. And it doesn’t mean, you know, that we have to go back to the past and blame your parents for everything. Like I was taught to do as a therapist. But we use, eye movements, which is, like EMDR if if people don’t know what that is, it’s the most researched, intervention for PTSD that there ever was. And I’m sure you probably even know people who’ve done it. So anyway, that kind of allows us to interface with your emotional brain. So, like, we have two brain systems that are at play at the same time. It’s kind of like two TV shows that are superimposed on each other, and you can’t just ignore one of them and sometimes I yeah. So sometimes our head and our heart is in sync. But a lot of times it isn’t. At least as much as we’d like to think that it is. So yeah, if we can actually like kind of interface with that part of our brain, that’s the part that makes our logical brain go offline. So we still do need that emotional part. Like it’s sort of like, like, you know, when you’re dreaming, then you wake up and your logical brain think so that was crazy. But that’s really because the logical brain was out of the way. And it’s it’s coming on, you know, with your, emotions. So what I’m getting at is, that when you’re able to move your eyes, that’s what allows you to connect with your heart. It’s great for journaling because instead of trying to go back and guess at what you were doing subconsciously, it really kind of helps you to get there. And that’s what we did for Tony. Andrew Mitchem Interesting. And so his results work improved dramatically after some time. Dr. Dave Bonanno Oh, absolutely. Yeah. He’s he’s doing awesome now. He just, showed me a picture of a house he wants to buy in Florida, and, he, he needed to help his parents out. And he, he was putting a lot of pressure on himself that he wasn’t really quite aware of. And that’s going to add adrenaline and, you know, like. Yeah. So like if he if you look at advice from other trading coaches or mindset coaches, they’re like, okay, well you have to control your emotions and you have to use your willpower in order to kind of, push them aside and focus on what you need to. Yeah. And that that can work sometimes, but it doesn’t work all the time. And if you’re telling somebody who’s full of adrenaline that they need to calm down, that’s kind of like telling somebody who’s full of alcohol that they need to be sober. Like it just. Yeah, yeah, yeah. It’s yeah, yeah, I know I’ve tried. But, Yeah. So I think instead of trying to use your willpower and then blaming yourself when you, when it doesn’t really work, and then people start to go into a cycle. Right. Like they start to doubt themselves and they start to think, well, maybe I’m a weak person or whatever. And really, I think they’re just kind of setting themselves up for failure by expanding, their body and their mind to react in ways that it’s not set up for it. Because once again, like when you’re in fight or flight, you’re but your brain is designed to go offline, like, you know, if you’re if you’re in the forest and you see a bear or something, you’re not supposed to be going through all the, pros and cons of the opposite, like you need to be running away or fighting. It would. Yeah. That’s right. Yeah. So that’s just how we’re built. So. So when we’re training and there’s like, you know, people can follow their rules, fine. If there’s not too much pressure. But when you’re scaling up or when you’re trying to, make this one being trained, you know, that’s going to really help you out. Or if you’re trying to get like a good feeling, like if you’re if you’re a little bit maybe addicted to training, you’re doing it to feel good, then it’s going to backfire. And then the harder you try, the more you’re feeding energy into that negative cycle. Traders issues with over trading and thinking money! Andrew Mitchem Yeah, that’s really interesting. I get a lot of people over the years that come to me and they have this exact issue, and a lot of people, unfortunately, when they get into trading, they they have this mindset. And like I did exactly the same over 20 years ago, you get into it, it’s new, it’s exciting. You think you’re going to make lots of money. Then you start looking at charts and lines and dots and arrows and indicators and you think, wow, this is awesome. I’m good. Look at this. Crosses this. I’m going to buy here, make a fortune. And then you soon realize it doesn’t work. And you then or the other issue I noticed that a lot of people have is they overtrain so much, you know, they want to go down to the very short timeframe charts because they believe the more they trade, their more they’re going to make. And they’re and you used the word just now about being addicted, whether it was alcohol or addicted to things. And I find that so many people have that, that they’re trigger happy. You know, they go to click, click, click, click, click trace and and of course, inevitably it will end up, losing for them. And then their whole mindset starts, that whole self-doubt and, and all they get to that stage where they’ll go. I’ve had so many losing track. This one’s band win and they do something stupid on it all. They they see the best set up that they’ve had all day, and they don’t take it because they’re scared, because they’ve lost so many other traits. There’s all these mix of emotions going on and it results in not being a good trader. Dr. Dave Bonanno Yeah, that’s that’s great. That’s that’s totally what I come across as well. And you know, like when I made the transition to working with traders, it was great because it’s it’s there’s just so much psychology there. Yeah. And and yeah like I think sometimes you know people don’t really want to admit that because they don’t want to be thinking of themselves as like, you know, crazy or whatever. But if you’re like, for example, an athlete who wants to be in the very top of your game, of course you have to work on the physical, but you have to work on the mental as well. That’s right. And so, yeah, if you want to be a trader who’s in the top 5%, who makes money, there’s just no way around it. I mean, nobody’s so good technically that they’re going to be able to cover their emotional mistakes, right? I mean, it’s just like you can’t. So. Yeah. I think, you know, one thing that’s really interesting to me is how the research shows that happy people in general have a less accurate picture of the world than people who are depressed. And the reason I bring that up is because I think we all like to believe that we know what we’re doing and when when somebody is in a situation like you’re talking about, when they get trigger happy, their logical brain is compromised and it’s making it’s making rationales for why they should do it again. Right. Like, oh, well, this it’s it’s got to work out this time. Or like, you know, the gambler’s fallacy or you know, like, like maybe I this time I’m thinking about it correctly or not, or, you know, all the types of things that people tell themselves. And it’s, you know, I think one thing that really happens is when you feel bad about something and, you know, like, it can happen to all of us. Like you could make the perfect decision, but the market just doesn’t go your way. You’ll never know exactly why that was, but because we want to feel in charge, we take on that responsibility and think, well, I did something wrong. And then you can either show restraint and hold back or I think, like most of us, maybe even us men, we want to do something. We want to fix it. Right? So like, it feels so much more powerful to actually be active than to use restraint and just wait for your perfect setup. So I mean, I see this all the time, and yeah, it can be such a slippery slope that when you, if you get, angry or frustrated or anxious or afraid, you’re adding adrenaline to the whole equation, which is going to make you do worse, which is going to just increase your adrenaline as well. And this doesn’t have to happen in just the course of one session. Like I recently talked to a guy who lost $700,000 over the course of three months, and he he just wasn’t fully aware of what was going on for him subconsciously. Yeah. So it’s just that it’s a really hard thing to do. I mean, you know, you could go to therapy and talk about your subconscious all day, but you’re still doing that consciously and it doesn’t really work. But, what I do is I try to be really quick and effective and use these eye movements, and then we just clear things up right away. So like, that’s kind of what happened with Tony as well. So. So I would imagine, Andrew, that you must get frustrated. I would think sometimes when you’re giving people solid advice that they should follow, they know they should follow it, and then they come back to you and they’re like, I just I just didn’t I just couldn’t, right? Like, what do people even say? Don't reinvent the wheel. Andrew Mitchem Yeah, yeah. No, you’re absolutely right. It it is frustrating because people seem to always want to reinvent the wheel. And it’s like you don’t need to. That’s why you joined us. We have the way it works, I can promise you. Yeah. And it comes along from, I think social media right now is a is a big negative for everything that we have to almost put up with us as people who like to help or coaches. Because they’re out there seeing the flash, Lamborghinis and Ferraris and all the rest of it, and they think that’s how it has to be. I actually say to people, the the honest truth is good trading is boring. And I mean that in a really good and honest way, and that you need to be doing the same thing on a daily basis. And as we’re finding out from our chat, you know, to remove the emotions as much as possible, stick to the principle of what you’re saying. One thing that I am massive on from a practical trading point of view. Well, two things. One, we keep our risk very low and controlled on every single trade. I think that helps massively. You don’t get those huge fluctuations of emotions of those those big wins or those big losses. So I hope, right. It doesn’t matter what the market we’re trading, whether it’s a forex or non forex or it doesn’t matter the time frame or directional stop loss. Every trade has the same low and equal risk. So on the next. Dr. Dave Bonanno I’m sorry I don’t I won’t put words in your mouth. But do you find that people agree with you 100% on that intellectually? And then when they just they’re like, oh, but this, this one looks so good. And then they risk more than they should. Andrew Mitchem And no, they don’t agree. That’s the problem. To start with. They think a lot of people don’t that it becomes, well, some do and some don’t. The ones that don’t, go off and do their own, you know, risk or no risk or stupid risk. And then almost everyone will then come back and go, oh, I realized that what you told me, like, you know, three months ago or six months ago, I should have done. And that’s there almost need to find that that moment for themselves and figure it out for themselves, just like I told you. But I can’t say I told you so, because that doesn’t help right now. But, you know, you can feed all this information to people, and, and some people will still go off and break those rules and do their thing, but the good ones are. Geez, circle back and come back and go, like I, I went off and found some other course and some other strategy. I realized that was rubbish. I realized what I got from you a year ago is really good. And now I’m back doing it and I want to start again. That happens quite a bit. The other thing that I think that helps with the way that we trade is not only is our risk allowing control portray, but our reward is high on our trades. So our profitable trade so that we we kind of step, we have little losses, bigger step, little losses, bigger step. And we we, you know everybody shows this perfect equity. We don’t have that. We have a little low controlled losses. Big two, three four times the risk on a profitable trade. You don't need a 90% win rate. And the slight issue that some people have with that is that some people want to see that 90% win rate. Andrew Mitchem A lot of people often get caught up with the win rate. And I give them the classic example of a true example. Many years ago, someone had a like a they showed me like a 90% winning system that they had, but they were still losing money because they did not have the the money management. Correct. Right. You know, as a very basic example, let’s say they were let’s say making ten pips on a trade and they made nine trades profitable with ten pips each. So they made 90. But that one losing trade lost 100 pips. So you know, a very basic example. But they they were basically the guy asking a 90% win. Right. Aren’t I good. But I’m losing money. Dr. Dave Bonanno Right. Yeah. And I bet that was kind of attractive to them because you get that positive reinforcement. I mean, like if you’re. Yeah, if you’re winning nine times out of ten, it feels great. And then of. Andrew Mitchem Course you I’m not losing that one damn trader. I’ve lost money. So there’s all these different like, approaches that people have. And that’s I suppose, the exciting thing, from trading, isn’t it, that there’s no one approach that fits everybody. Dr. Dave Bonanno Right. And, you know, I mean, like to, to talk about, what you experience with your clients sometimes when they come back to you and they say, oh, I finally learned my lesson, you know, like, I mean, I have kids and try to tell what to do in the course. They don’t want to hear it. And then I have to just really. Yeah. Just want to make mistakes and hopefully they’ll they’ll make enough mistakes while they’re young and and the, the stakes are still low before they go out to the world. Yeah. Then do stupid shit. Andrew Mitchem That’s right. Yeah. And I suspect that you and me exactly the same. When we were kids. Dr. Dave Bonanno Yeah. Well, actually. Yeah. Geez. Yeah, yeah, I knew everything when I was kid. Yeah. Andrew Mitchem No, it’s interesting that the how, the how the cycle keeps pace going. What question I wanted to ask you, and this is something I’m personally starting to just change my opinion on, is that I always used to say to people, start on a demo account, make the mistakes on the demo account of the platform and the lot sizes, etc. then go to a smaller live account and go bigger when you’re profitable. I’m almost starting to say to people now, don’t spend so much time on demo. Sure, use the demo to understand how a new trading platform, the software works. But I’m finding now that people that go on to a small live account are feeling those emotions like more realistic that you can never get on a demo, how would you kind of approach that? Dr. Dave Bonanno Yeah, it’s not interesting. You could try as hard as you can to recreate a situation like that for yourself, and it’s just not the same. It’s it’s really like professional athletes, you know, they practice, but you you can only practice so much until the game is on the line. And, you know, I think one thing that really happens is that we get into a flow state. So when things are the way they’re supposed to be, it’s kind of like you’re really focused on the charts, you’re really focused on what you’re doing. And then it’s like, oh my God, it’s the session’s almost over. You need to be using your intuition. But if and if you’re overthinking too much, you know, that’s certainly not going to work. But if you’re if you’re also like distracted by your emotions or by, you know, thinking about, oh, what is this going to mean if like if, if, if you win this trade, you know, like I don’t know how much of a sports fan you are, but I can’t stand, sports interviews because they’ll be like, you know, what were you thinking at this point when it happened? And the guys like, I don’t know, I’ll just see the ball hit the ball. I mean, you know, like, that’s really all there is. Yeah. Andrew Mitchem Now that’s. Dr. Dave Bonanno So. Yeah. And. Yeah. And then you know what? I like how you said that trading should kind of be boring. And, you know there’s there’s intrinsic versus extrinsic motivation. So extrinsic motivation is you’re doing something for the reward. And of course you know that’s part of it. Intrinsic motivation is just because you like it. So like if it yeah like if, if you just like trading then that’s great. And if you’re if you’re caught up in the extrinsic, it’s actually not only going to add to your adrenaline, but it replaces the intrinsic motivation. So if I could just give you a quick, quick example, like they had children read over the summer, they tracked how much they did. Then the next summer they paid them to read. So of course you’d think they’d read so much more. But what happened was it became a job for them and that that just took all the fun out of it. So yeah, if you’re too focused on why and why you’re doing this other than just because I like it, I get into a flow state, then I think that’s just, you know, going to mess you up eventually. You have to love the concept of trading. Andrew Mitchem Yeah. That’s interesting because, yeah. No, that’s a great point. I say to people like because of the time zone that I live in here in New Zealand, that the, the forex market opens on a Monday morning for me. It’s your Sunday afternoon in the US and I say to people, I love Monday mornings, you know because most people will have that alarm going. I say It’s Monday. I’ve got this right. Yeah, I’d love it because, you know, up until cryptos came around, we could not trade at the weekends. You know, you just. The forex market shuts at New York 5 p.m. on a Friday and open on the Sunday at 5 p.m.. And, yes, I just say to people I love Mondays. I absolutely can’t wait for Monday morning to come and start trading it. And you’re exactly right. Because unfortunately, again, and it kind of comes back to that social media issue again, is that so many people who are not trading, they discover trading and they see it as their kind of like their ticket out of their life’s financial problems. And and I get that conversation on a phone or an email, you know, with people, non clients, you know, far too often. And, and I say to them look it’s not your, your golden ticket out of financial problems. It’s not going to replace your job like in a six months. Don’t think of it like that. You have to want to have that enjoyment of looking at the charts or reading the news, whichever type of trader you are, and actually doing it. And like challenging yourself, to do well and to figure out what’s happening in the world and all these different facts, you’ve got to actually really get excited by that. If you like that, then you will keep doing it and you’ll be disciplined, and then the money will follow. But don’t just jump straight into it. Expecting to become a multi-millionaire with the thousand dollar account, right? Dr. Dave Bonanno Yeah. I mean, because the fear, like I think people are as happy as their expectations are in relationships or in activities that they’re doing. And yeah, if you’re expecting too much, it’s going to take away so much of your energy and motivation and and to talk to what you had said, like if you just if you like training, then it’s going to that’s what’s going to center you. Right. Because you can’t be up and down with with your emotions and how you feel. And you really have to get into like just the the nuts and bolts of this is the setup and this is my thought process or, you know, the, my intuition and, that’s that’s something I had to learn as a therapist. Like I don’t or as a coach, really, I don’t coach so that I could make people money. I coach because when I get a new client, I’m curious, like, oh, right, what what set of it have problems or issues are coming in to my door and what can we do about it? I don’t wake up like, oh, I’m going to save this person. It’s just more like and then, you know, if the outcome doesn’t go my way, I don’t have to get too upset about it. I mean, of course I care, but yeah, if you’re if you’re a trader and you could ground yourself and remind yourself why you’re doing this and and then also, I think this is a really fine point that people sometimes don’t understand. If you’re trading to feel good, then that’s going to mess you up to like you need to trade because you like it on a deep level and you want to make money. You don’t do it because you know, your wife left you and your dog died, and I just want to get a hit of dopamine. Like, that’s not going to work out, right? Andrew Mitchem Yeah. Yeah. Exactly. Right. And another thing, I think it’d be really interesting to hear your thoughts on is one thing I pride ourselves on is not only do we just have one strategy, but we have a massive community and we’re all trading that one strategy. When I started out, it was in, I’m talking 20 plus years ago now. It was in the early days of a couple of trading forums, and you used to go on to these forums because, you know, trading is a lonely business, you know, otherwise, you know, no one understands what you’re doing. Even today and back then don’t forget, that was the dial up internet days. And and the. Yeah, right. Traditional forum sites don't work. Andrew Mitchem I quite often have to get a connection. Yeah. But, you know, I used to go on to a four on the forum sites and then you’d find a thread, someone created this strategy, and then every time someone would come in and go, I think it should add this indicator, and, and it just blew out into a complete argument and mess. And I realized that when I started the coaching, I didn’t want that situation happening because it frustrated me when I was learning. So one of the things I’m really proud of is our community that we have on our forum site and webinars that we hold everybody, no matter what stage of the like, the journey they’re on. They’re all out there trading the one system, but they’re all out there helping each other. And I find that having that back up, to follow someone, to watch someone to ask someone is such an underestimated part of a trade, a success. Dr. Dave Bonanno Yeah, that’s great. And you’re right, it is such a lonely job. I mean, you’re looking at screens and. Yeah. How is your how’s your spouse supposed to understand really what you’re going through? And of course, they’ll probably get sick of you talking about it too. But, Yeah. Isn’t that such a great feeling is to be able to help each other? And I trust that your people are good at sharing their losses. Right? Because I think, you know, whatever you focus on, you magnify. And if you want clicks, like if you’re an influencer, you want clicks, you’re going to be selling the dream. And it’s really like, I’m sorry to be crude, but it’s kind of like you can go on social media and you just see these people masturbating and and you think like, well, why can’t I do that? And they seem relatable. They’re real people. It’s not like they’re on TV and they’re celebrities. Like it’s real people. And then they only say, you can do what I did if you buy my stuff. But, I hope that in your community, in your forums, like, people are real with each other, right? Be real with your trading. Andrew Mitchem Absolutely. There’s everything on that. And we, you know, just before we started, I just posted two winning trades on the losing trades that happened overnight. And we post all of our trades profitable and not because you can still learn from those. We’re not out there looking like, look at me. All these beautiful profitable trades, all post trades that lose. And you know all we’re going back to is that same thing is that our losses were controlled. But the the setup that we took at the time looked very good. Otherwise we wouldn’t have taken it. And the market, something happened. It didn’t go in our favor. Okay. That’s a shame. We don’t like that. But it’s the way it is. But our loss is controlled and, you know. But then the profitable trades that we have made up for that loss plus more. And so I’m a firm believer and we show everything. And that’s the beauty of posting trades like on a daily basis for people right around the world to look at and follow. And also it teaches them the, the I suppose the discipline of these people who have done this for years and years still have losing trades. And that’s fine to have providing we, you know, you look back and and get you full. You shouldn’t have taken that because of A, B and C, and that’s a lesson. But you know, hopefully we don’t do that very often. But the market sometimes will do what the market wants to do. You can have an A grade setup and it doesn’t work. But and that’s part of the lesson the discipline, the journey. Dr. Dave Bonanno Right. And and it’s really hard I think for a lot of people to be comfortable with not knowing something. So yeah, if if the outcome isn’t what you wanted, it could have been one of a million things. And you can never really. Right. So I mean, of course you’re going to gauge, your outcomes and you’re going to journal and what went right and what went wrong. But it’s every single time you’re really just inferring the probability of what happened. And you don’t have that real solid ground to, to feel comfortable on. Right. Like you’re just always kind of guessing to some degree. And you have to be okay with that. And I think it is really, really helpful to have other people remind you of that because, yeah, we could tell ourselves all day, oh, I’m going to have losses. And you know, I’m not perfect person or whatever, but if you actually have somebody else remind you of that, like, dude, you’re you’re still damn good. You’re still like, you know, the shot good person. Then I think that’s yeah, crucial. It is you. So that’s really cool. Contacting Dr Dave. Andrew Mitchem Absolutely. So, Dr. Dave. How can someone find you? And what are they going to like? What situation scenario are they going to be in to say, I need this, guys, help? Dr. Dave Bonanno Yeah. Great. So I don’t want to sound like anybody has mindset problems, but I do want to underscore how there’s just a lot of things going on that once again, we’re not fully aware of. And it doesn’t mean that there’s anything wrong with you. Anything. So yeah, I’ve worked with a whole bunch of people and some of them had issues in their regular life, and some were really dead end. As a matter of fact, that’s one thing I like about working with traders as opposed to PTSD, because they say if they say, you know, you are who you associate with. I was like, oh my God, I’ve been associating with the most damaged people in society for decades. But so yeah, I love working with traders. You can you can look me up at WB ww dot max discipline.com or we’ll have links. I just published a book on Amazon called The Consistently Calm Trader. And people have been having really good feedback for you there. And, if you wouldn’t mind, I’d like to just give one more tip to your audience, which is the best way to handle losses is not to get upset or try harder, or even to try to ignore how you feel about it. If you can actually be sad. And I know nobody wants to feel sad, but if the market doesn’t go your way today and you can just actually literally feel that like sad about it for even like ten minutes, then you’re you’re not adding any type of adrenaline to the equation and you’re accepting reality as opposed to, well, it shouldn’t happen this way or I should have done this. That’s not reality. If you’re talking about what should have happened and then because you can accept reality, you can move on and, and really come to a, later with a clean slate. Does that make sense? Andrew Mitchem Yeah. It’s a really interesting approach. I like that very simple, but easy to do. Dr. Dave Bonanno Yeah. You got to be sad. Andrew Mitchem Yeah, well, that’s good because not people don’t tell you those type of things go right. Dr. Dave Bonanno Yeah, yeah. Andrew Mitchem Hey what I want to hear I yeah, it’s good. That’s a really good approach. I like it because you have to be able to like, you know, the whole phrase of get back on the horse tomorrow, you know, and and if you’re still angry because of yesterday’s losses or the market didn’t do what I thought it should do, and you’re still, like, venting over that? How on earth can you expect to approach the next trade or the next day with any clarity? Dr. Dave Bonanno Yeah. And you can’t just tell yourself, oh, well, I’ll forget it and I’ll be fine. No, it’s just that’s not the way to go. Like you have to address these things. And so, you know, I don’t know how it is in New Zealand, but here in the States, like, I can’t stand how everybody’s trying to live their best life all the time. And, you know, if you ask somebody how they doing and if they if they don’t say awesome, then you’re like, oh my God. Well what’s wrong? Like what’s wrong with you? You know, like, I mean, I of course, you know, I like about us here in the States that we, we strive we, we have really high expectations. But I think it can really backfire for a lot of people. And then, yeah, if you’re on social media and you’re seeing all these people with their lambos and their, you know, their houses and stuff, I mean, it’s just going to get you down. So, yeah, if you could be sad, you could accept where you are. What has happened, and then you can get right back on the horse and, go where you need to go. Andrew Mitchem Yeah. That’s awesome. Hey, thank you so much today, dogs. I love chatting to you. And I think there’s just been massively beneficial. As you mentioned, we’ll put links to your site on here as well. So anybody can click on that and find out more about what you do. And yeah, thank you for your time. It’s been thoroughly enjoyable and I think it’s been massively helpful for everybody. Thank you very much. Dr. Dave Bonanno I was so glad to hear that. Yeah, it was really fun for me too. And thank you. Andrew Mitchem Awesome. Thank you. Episode Title: #626: The Psychology Hack Every Trader Needs Find out more about Blueberry Markets – Click Here Find out more about my Online Video Forex Course Book a Call with Andrew or one of his team now Click Here to Attend my Free Masterclass YouTube: Dr. David Bonanno Enroll to Max Discipline Click Here to Learn More About Max Discipline Click Here to Checkout the Book: The Consistently Calm Trader: Master the War Between Discipline

Samantha's New Toy.Based on a post by smalltitslovr, in 4 parts. Listen to the ► Podcast at Steamy Stories.of my thighs slide against each. I knew if Tristan didn’t stop soon, I would have an entire other problem.Finally, Tristan stopped. He put the remote back on the bench, and stood up. “Well, I gotta head to class now,” he said. “See you around, Samantha. Nice to meet you.”I couldn’t say anything, because I knew my voice would give away what I was feeling, so I simply nodded to him. Then he turned around and left.As soon as he was turned around, I grabbed the controller, and turned the knob all the way down, and finally, the buzzing stopped. As I caught my breath, I looked down. When Tristan was far enough away, I opened my legs a little, and assessed the situation.The denim material between my legs was completely soaked with my cunt juices. I was also now regretting choosing a pair of shorts that were so short. I could see the inside of my thighs were shiny.I started to wipe away what I could, but then I noticed some people approaching nearby. So, I grabbedA lesson on oral sex.Monday morning came, and it was time to go to ASE, once again. I got up, took a shower, then got dressed. Like usual, I knew it didn’t really matter what I wore, because I would be naked in class anyhow. So, I pulled on a pair of gym shorts and a t-shirt, not bothering with underwear. Then I grabbed my bag, and headed to class.I was running a little late, so I was nearly last to arrive. When I entered, I was greeted by the lovely sight of 11 naked students, sitting, waiting for class to start. I quickly pulled my shirt off, and saw the other three missing students (Alex, Eric, and Sofia) had just arrived as well. We all stripped, and soon Ms. Sharon came in, naked as usual.“Hello everyone,” she said. “I hope you had a good weekend. Everyone, please get with your partners.”A couple minutes later, and I was seated next to Alex and Tony. Everyone else was seated with their partner(s) as well.“Good. As we learned in our last class, the human body reacts to various stimuli. We demonstrated and observed this with sex toys. Today, we’ll take this a step further, and move on to oral intercourse. Who can tell me what oral sex is?”Nobody else seemed eager to speak up, so I raised my hand.“Yes, Samantha.”“Well, oral sex is when one person uses their mouth to pleasure someone else.”“Correct. There are three basic types of oral sex. Arguably the most common (although there’s no real way to prove it) is fellatio, also known as giving head, or a blow job, among other names. This is when a person uses their mouth to suck on a male’s cock. Let’s go ahead and practice that now."Although this can be performed by males, we won’t be covering homosexual intercourse for a few more classes. So, I will ask that all the females in the class please perform this act on your partners. Samantha, please do this for both Alex and Tony. Everyone, take special note of how much length you can take in your mouth, and try to take as much as you can. Also, guys, please don’t cum just yet. I’ll give you time for that in a little while.”Ms. Sharon then turned to John and Eric, and got on her knees. With no hesitation, she grabbed John’s cock, and put her lips around it, sliding it deep inside her mouth.Looking away, I turned to Alex and Tony. “Alright,” I said. “Who’s first?”They looked at each other, and both raised their hands. I smiled, and down on my knees. I moved closer, until I was between Tony’s legs, which he had opened wide for me. His cock was only slightly hard, but as soon as I grabbed it, it grew quickly.I hesitated at first, because I hadn’t ever tasted a guy’s cock before, so I started by licking the tip. It tasted a little salty, but not too bad. Then I slowly put my lips around the tip, and slid it across my tongue. Inch by inch, I took his manhood into my mouth, until I felt the tip push against the back of my throat.Remembering Ms. Sharon’s words, I pushed it further, until I felt myself start to gag. I knew it was possible to take more, but I couldn’t make myself do it. I stopped at about four inches. Then, I slid it back out. Before removing it, though, I felt Tony’s hand on the back of my head. He gently pushed me back down, and I didn’t resist. Soon, with Tony’s guidance, I was bobbing my head up and down on his cock. I sped up, and kept sucking on him. I felt him start to throb in my mouth, and I knew he was close to cumming. I wasn’t ready for that, so I pulled his cock out, and leaned back.“Thank you, Samantha,” he said. His cock throbbed up and down, but I didn’t see any cum.After taking a moment to catch my breath, I turned to Alex. “Your turn.” I said, smiling up at him.I moved forward, until my head was between his thighs. His cock was in his hand, and it appeared he had been jacking off while watching my performance with Tony. He aimed his cock at my face. With no hesitation this time, I opened my mouth, and graciously accepted it. It was smaller than Tony’s, but I still couldn’t quite take the whole thing on the first thrust. On the second one however, I stopped when it hit my throat, and realized there was only about half an inch left, so I pushed myself, and took the tip down my throat, until I felt my lips touch his balls. Then I pulled back out. He thrust into me a few more times, then pulled all the way out.I reached up and cleaned a little bit of drool and pre-cum from my lips, then got up and sat back in my chair. Looking around, it looked like I was last to finish, and everyone had been watching me.“Excellent job, everyone,” said Ms. Sharon, with a smile. “I hope you all enjoyed that as much as I did."Now, the other type of oral sex is called cunnilingus; the act of orally pleasuring a woman. This is usually done by licking and sucking on the girl’s labia, but can also involve sticking the tongue inside her. Guys, please practice this on your partners now.”I turned back to the boys, and waited for their lead. They looked at each other and decided Alex should go first. As he moved closer, I leaned back, and spread my legs. He put his head down, and gave my cunt a long lick. Of course, by this time, I was very wet, so he got a good taste of my juices.Then he put his mouth in between my legs and started going at it. I lifted my legs up to give him a good angle. I noticed many of the girls around the room were in much the same position. Alex continued licking my cunt, then he sucked on my lips. After a few seconds of that, he pushed his tongue inside me, which felt amazing. Then he pulled his head away.Alex moved away, and Tony immediately took his place. There was only about 3 seconds between when Alex pulled his head away, and Tony put his lips on mine. I could immediately tell Tony had done this before. He immediately found my clit, and teased it with his tongue. Then he slowly slid his tongue down, until it was at my hole, and he started fucking me with it. I let my head fall back, and enjoyed it. He continued for about a minute, then pulled his head away.Once again, our group was last to finish, since there were three of us. Tony took his seat, then Ms. Sharon stood up.“Good job, everyone,” she said. “Now, there are many positions involving oral sex, but the one that comes up more than any other is the 69.” She turned around and drew the number on the board. “It is named this, because the two bodies take this shape. One person lies down, and the other lies on top of them, facing the other way. What’s unique about this position is it’s one of the only ways that two partners can give and receive oral sex simultaneously."Now, I’d like each group to demonstrate this position. Guys lay on the floor on your back, and the girls will get on top of you.”Alex laid down first. Once he was ready, I got on my knees, then straddled his face. He immediately started licking my cunt again. I let him go at it for a moment, enjoying it, and looked around.A few of the girls were facing the wrong direction, and couldn’t figure out what they were doing wrong. Amy looked particularly perplexed, as she mounted her partner in a cowgirl position, with his cock pressed against her ass cheeks. I didn’t get to see if she eventually figured it out, since I decided it was time to start sucking on Alex.I leaned forward, and I found that my mouth was at exactly the right spot to suck on his dick. So I did. As I sucked on him, he licked me and tongue-fucked me. After a good five minutes, Tony tapped me on the shoulder. I looked up, and realized I hadn’t given him a turn yet. So, I got up, he laid down, and I took the same position again, but over Tony this time.Doing this position with Tony was much better, probably because I was already worked up. Also, his cock was bigger and tasted better. While I sucked on Tony, he ate me out, and it was amazing.After too short a time, I heard Ms. Sharon’s say, “Alright everyone. That’s enough. Please return to your seats.”I reluctantly took Tony’s cock out of my mouth, and stood up. A few moments later, we were all back in our seats.“Excellent work everyone,” Ms. Sharon said. “Now, I only have one activity left, and then you may all leave. But before we begin, I have a few things to say, in regards to future activities and assignments."First off, today will be our last class that does not involve full-on intercourse. That means that if you have not already lost your virginity, and would like to do so in your own way, I would advise you to do so before the next class."Secondly, beginning today, you will have a homework assignment given at the end of each class, based on that day’s topic. A few guidelines for all of these assignments:"1. You must complete each assignment outside of class. Any activities in class may not be used for homework assignments."2. Each assignment will be graded simply upon completion. If you do the given activity, you get full credit. If you don’t do it, you get a zero."3. Since I will not be there when you complete the assignment, you are required to submit proof of each assignment, in the form of photographs or videos."4. I will drop one homework grade. That means you have the choice to not complete any one assignment. Beyond that, if you don’t complete the assignment, you get a zero. However, there will be many opportunities for extra credit, so if you feel uncomfortable doing more than one assignment, you may make up some of the points by complete additional tasks in other assignments."5. Most of the assignments will require someone else’s participation. You may partner with any of your classmates, but only for one assignment each. So, if you complete this first assignment with one person, you may not complete a later one with that same person. You also have the option of completing the assignments with people outside of class, but you must get their written consent. I have forms for that in my office."Any questions about the homework?” Nobody raised their hands. “Alright. One last thing: there will be a final project for this class, but you don’t need to worry about the details of that right now. I will explain it in the last few weeks of class."Alright, now on to today’s final activity. First, we need to move all the chairs to the sides, so we have ample floor space.” We moved chairs around, and soon we were all standing in the middle of the room. “Excellent. Now, everyone form a circle, with your group, with the girl on the left. Because the numbers don’t quite work out, I’ll ask that Tony and Eric sit outside the circle. In a little bit, you can switch with Alex and John.”We took a few minutes to do this, but soon we were in a large circle. On my right was Alex, and to my left was Roberto.“Alright, now I’ve looked for a name for what this is called, and the best I could find is a daisy chain. Everyone lie on the ground. Guys lie on your back, and girls on your knees. Your face should be between the legs of the person to your left. When you are in position, go ahead and start pleasuring your partner.”Soon, we were all in position. I started sucking on Roberto’s cock, and was slightly surprised when I felt Alex’s mouth make contact with my cunt. We all sucked and licked each other, which caused many noises, including slurps and moans of pleasure.After a few minutes, Ms. Sharon had Tony and Alex (and Eric and John) switch places, so Tony was now sucking on my labia, while Alex watched. He took it upon himself to jack off.A few minutes more, and Ms. Sharon had us turn around. So now, I was sucking on Tony, and Roberto was fucking me with his tongue. She also said we were welcome to cum whenever we were ready, but we were to continue the daisy chain until she said to stop.Latoya was on the other side of Tony, being pleasured by him. Apparently she had done a good job before we turned around, because it didn’t take long for Tony released his load. I felt a large spurt of cum shoot into the back of my throat. Since I wasn’t expecting it yet, I gagged a little, but I followed Ms. Sharon’s rule, and did not remove my mouth.For the next few minutes the room filled with the sounds of grunts and moans, as many of the guys, and a few of the girls came. Ms. Sharon had Tony get up and switch with Alex again. While they were switching, I swallowed Tony’s load. I only had a few seconds to catch my breath, then Alex’s cock was in my mouth again.The entire time, Roberto was slowly but surely bringing me closer to my orgasm, and it finally happened shortly after I started sucking on Alex. I moaned a little, then more, and finally I came hard, pushing my pelvis into Roberto’s face, and my mouth further onto Alex’s cock. It felt amazing! I hadn’t cum in a few days, so this was a long time coming.I continued to moan through the whole thing, which must have felt good for Alex, because shortly after I started, he followed my lead. I felt his large load of cum fill my mouth. It was more cum than Tony had released. As soon as I felt he was done, I swallowed it all.We had both finished cumming, but we didn’t stop pleasuring each other, or our partners. It appeared Ms. Sharon was waiting for each person to cum. A few minutes later, the last person (Barbara) had cum, and Ms. Sharon told us all we could stand up, and return to our seats.When we were all seated, she asked, “Did everyone enjoy that?” I looked around, and saw many nods, and more smiles. “Good. Now, that’s all I had planned for today, but I need to give you your homework assignment."By the next class period, you must give oral sex to one person, and receive oral sex from a different person. I don’t have any preference over whether your partners are the same sex or different. Remember, you may do your assignment with your classmates, but that counts them out for future assignments. Also, don’t forget to get proof of the encounters."Everyone have a good day, and I’ll see you next class period.”With that we were dismissed. We all stood, got dressed, and walked out. On the way out, I started talking with Nicole. After a bit of discussion about the class, she said she was going to a dining hall, and asked if I wanted to join her.“Nah, I’m not really hungry,” I said, with a smile. She laughed, and we parted ways.On my walk back to my dorm room, I thought about the day’s experience. Three guys had sucked on my cunt lips, fucked me with their tongues, and licked my clit. In exchange, I had sucked on each of their cocks, and swallowed two loads of cum. Quite an eventful morning.I also thought about who I’d complete the assignment with. After a little thought, I pulled my phone out and texted Nicole and asked her if she wanted to get her food to go, and join me in my room. Then I texted Alex as well.Suffice to say, the remainder of my day was fun. ;)Vaginal Intercourse.“Hello again, class,” Ms. Sharon said as she entered the classroom. “Long time, no see.”We were all seated, and ready to learn. And by that, I mean we were naked, and horny. Last class, the teacher had alluded to what we’d be doing this class period. She had made a point to tell everyone that if they cared to lose their virginity outside of class, to do it before today, because it would involve intercourse.This wasn’t a problem for me. I had lost mine to a good friend of mine in high school. I looked around and wondered if anyone else in the room was thinking about their first time too.I pulled myself away from that line of thought, and noticed I was already starting to get a little wet, just thinking about it. But it wasn’t just the thought of my first time that had me excited. All around the room there were cushions on the floor. I could only assume what they were for, but I had a pretty good idea.Ms. Sharon took her spot at the front of the classroom, and put her bag down, turning to the class. “Alright, class. Today, we’re in for a great time. I’ve already received everyone’s homework from last class, either via my email or my drop box, so we’ll jump straight into today’s material. I’m going to need a male and female volunteer.”She looked around at everyone, waiting for someone to raise their hand, but nobody did. I could tell everyone was excited about what was going to happen. I could visibly see it in some of the guys’ laps. But I guess nobody wanted to be the first to go. Ms. Sharon sighed, and said, “Alright, then I’ll have to resort back to the bag of volunteers”I had completely forgotten about the bag of volunteers. Back in the anatomy class, Ms. Sharon had created two bags with males and females, and said she’d use it if nobody volunteered for something. Those names that were removed from the bag would not be returned until everyone had been picked.“If you all remember, the only two names we’ve removed from the bag have been Nicole and Filipe. In our toys class, all the girls got a chance to demonstrate one of the toys, including Nicole, so I won’t be removing any new names from the girls bag. From the guy’s bag, however, I’ve already taken the liberty of removing Tony’s name, since he demoed the fleshlight, and none of the other guys demoed."So, first a girl.” She reached her hand into one of the bags, and I felt my heart start pumping with anticipation. Would it be my name she picked? If it was, what would she ask me to do? She pulled out a piece of paper, and unfolded it. “Sofia, please come up here.”I felt a little relieved, and a little disappointed. I looked over and saw the cute Latina girl lean her head forward in mock-defeat. Then she stood up, smiled, and walk to the front of the class. Her mid-sized tits, and beautiful ass jiggled the whole way.M

Samantha's New Toy.Based on a post by smalltitslovr, in 4 parts. Listen to the ► Podcast at Steamy Stories.of my thighs slide against each. I knew if Tristan didn’t stop soon, I would have an entire other problem.Finally, Tristan stopped. He put the remote back on the bench, and stood up. “Well, I gotta head to class now,” he said. “See you around, Samantha. Nice to meet you.”I couldn’t say anything, because I knew my voice would give away what I was feeling, so I simply nodded to him. Then he turned around and left.As soon as he was turned around, I grabbed the controller, and turned the knob all the way down, and finally, the buzzing stopped. As I caught my breath, I looked down. When Tristan was far enough away, I opened my legs a little, and assessed the situation.The denim material between my legs was completely soaked with my cunt juices. I was also now regretting choosing a pair of shorts that were so short. I could see the inside of my thighs were shiny.I started to wipe away what I could, but then I noticed some people approaching nearby. So, I grabbedA lesson on oral sex.Monday morning came, and it was time to go to ASE, once again. I got up, took a shower, then got dressed. Like usual, I knew it didn’t really matter what I wore, because I would be naked in class anyhow. So, I pulled on a pair of gym shorts and a t-shirt, not bothering with underwear. Then I grabbed my bag, and headed to class.I was running a little late, so I was nearly last to arrive. When I entered, I was greeted by the lovely sight of 11 naked students, sitting, waiting for class to start. I quickly pulled my shirt off, and saw the other three missing students (Alex, Eric, and Sofia) had just arrived as well. We all stripped, and soon Ms. Sharon came in, naked as usual.“Hello everyone,” she said. “I hope you had a good weekend. Everyone, please get with your partners.”A couple minutes later, and I was seated next to Alex and Tony. Everyone else was seated with their partner(s) as well.“Good. As we learned in our last class, the human body reacts to various stimuli. We demonstrated and observed this with sex toys. Today, we’ll take this a step further, and move on to oral intercourse. Who can tell me what oral sex is?”Nobody else seemed eager to speak up, so I raised my hand.“Yes, Samantha.”“Well, oral sex is when one person uses their mouth to pleasure someone else.”“Correct. There are three basic types of oral sex. Arguably the most common (although there’s no real way to prove it) is fellatio, also known as giving head, or a blow job, among other names. This is when a person uses their mouth to suck on a male’s cock. Let’s go ahead and practice that now."Although this can be performed by males, we won’t be covering homosexual intercourse for a few more classes. So, I will ask that all the females in the class please perform this act on your partners. Samantha, please do this for both Alex and Tony. Everyone, take special note of how much length you can take in your mouth, and try to take as much as you can. Also, guys, please don’t cum just yet. I’ll give you time for that in a little while.”Ms. Sharon then turned to John and Eric, and got on her knees. With no hesitation, she grabbed John’s cock, and put her lips around it, sliding it deep inside her mouth.Looking away, I turned to Alex and Tony. “Alright,” I said. “Who’s first?”They looked at each other, and both raised their hands. I smiled, and down on my knees. I moved closer, until I was between Tony’s legs, which he had opened wide for me. His cock was only slightly hard, but as soon as I grabbed it, it grew quickly.I hesitated at first, because I hadn’t ever tasted a guy’s cock before, so I started by licking the tip. It tasted a little salty, but not too bad. Then I slowly put my lips around the tip, and slid it across my tongue. Inch by inch, I took his manhood into my mouth, until I felt the tip push against the back of my throat.Remembering Ms. Sharon’s words, I pushed it further, until I felt myself start to gag. I knew it was possible to take more, but I couldn’t make myself do it. I stopped at about four inches. Then, I slid it back out. Before removing it, though, I felt Tony’s hand on the back of my head. He gently pushed me back down, and I didn’t resist. Soon, with Tony’s guidance, I was bobbing my head up and down on his cock. I sped up, and kept sucking on him. I felt him start to throb in my mouth, and I knew he was close to cumming. I wasn’t ready for that, so I pulled his cock out, and leaned back.“Thank you, Samantha,” he said. His cock throbbed up and down, but I didn’t see any cum.After taking a moment to catch my breath, I turned to Alex. “Your turn.” I said, smiling up at him.I moved forward, until my head was between his thighs. His cock was in his hand, and it appeared he had been jacking off while watching my performance with Tony. He aimed his cock at my face. With no hesitation this time, I opened my mouth, and graciously accepted it. It was smaller than Tony’s, but I still couldn’t quite take the whole thing on the first thrust. On the second one however, I stopped when it hit my throat, and realized there was only about half an inch left, so I pushed myself, and took the tip down my throat, until I felt my lips touch his balls. Then I pulled back out. He thrust into me a few more times, then pulled all the way out.I reached up and cleaned a little bit of drool and pre-cum from my lips, then got up and sat back in my chair. Looking around, it looked like I was last to finish, and everyone had been watching me.“Excellent job, everyone,” said Ms. Sharon, with a smile. “I hope you all enjoyed that as much as I did."Now, the other type of oral sex is called cunnilingus; the act of orally pleasuring a woman. This is usually done by licking and sucking on the girl’s labia, but can also involve sticking the tongue inside her. Guys, please practice this on your partners now.”I turned back to the boys, and waited for their lead. They looked at each other and decided Alex should go first. As he moved closer, I leaned back, and spread my legs. He put his head down, and gave my cunt a long lick. Of course, by this time, I was very wet, so he got a good taste of my juices.Then he put his mouth in between my legs and started going at it. I lifted my legs up to give him a good angle. I noticed many of the girls around the room were in much the same position. Alex continued licking my cunt, then he sucked on my lips. After a few seconds of that, he pushed his tongue inside me, which felt amazing. Then he pulled his head away.Alex moved away, and Tony immediately took his place. There was only about 3 seconds between when Alex pulled his head away, and Tony put his lips on mine. I could immediately tell Tony had done this before. He immediately found my clit, and teased it with his tongue. Then he slowly slid his tongue down, until it was at my hole, and he started fucking me with it. I let my head fall back, and enjoyed it. He continued for about a minute, then pulled his head away.Once again, our group was last to finish, since there were three of us. Tony took his seat, then Ms. Sharon stood up.“Good job, everyone,” she said. “Now, there are many positions involving oral sex, but the one that comes up more than any other is the 69.” She turned around and drew the number on the board. “It is named this, because the two bodies take this shape. One person lies down, and the other lies on top of them, facing the other way. What’s unique about this position is it’s one of the only ways that two partners can give and receive oral sex simultaneously."Now, I’d like each group to demonstrate this position. Guys lay on the floor on your back, and the girls will get on top of you.”Alex laid down first. Once he was ready, I got on my knees, then straddled his face. He immediately started licking my cunt again. I let him go at it for a moment, enjoying it, and looked around.A few of the girls were facing the wrong direction, and couldn’t figure out what they were doing wrong. Amy looked particularly perplexed, as she mounted her partner in a cowgirl position, with his cock pressed against her ass cheeks. I didn’t get to see if she eventually figured it out, since I decided it was time to start sucking on Alex.I leaned forward, and I found that my mouth was at exactly the right spot to suck on his dick. So I did. As I sucked on him, he licked me and tongue-fucked me. After a good five minutes, Tony tapped me on the shoulder. I looked up, and realized I hadn’t given him a turn yet. So, I got up, he laid down, and I took the same position again, but over Tony this time.Doing this position with Tony was much better, probably because I was already worked up. Also, his cock was bigger and tasted better. While I sucked on Tony, he ate me out, and it was amazing.After too short a time, I heard Ms. Sharon’s say, “Alright everyone. That’s enough. Please return to your seats.”I reluctantly took Tony’s cock out of my mouth, and stood up. A few moments later, we were all back in our seats.“Excellent work everyone,” Ms. Sharon said. “Now, I only have one activity left, and then you may all leave. But before we begin, I have a few things to say, in regards to future activities and assignments."First off, today will be our last class that does not involve full-on intercourse. That means that if you have not already lost your virginity, and would like to do so in your own way, I would advise you to do so before the next class."Secondly, beginning today, you will have a homework assignment given at the end of each class, based on that day’s topic. A few guidelines for all of these assignments:"1. You must complete each assignment outside of class. Any activities in class may not be used for homework assignments."2. Each assignment will be graded simply upon completion. If you do the given activity, you get full credit. If you don’t do it, you get a zero."3. Since I will not be there when you complete the assignment, you are required to submit proof of each assignment, in the form of photographs or videos."4. I will drop one homework grade. That means you have the choice to not complete any one assignment. Beyond that, if you don’t complete the assignment, you get a zero. However, there will be many opportunities for extra credit, so if you feel uncomfortable doing more than one assignment, you may make up some of the points by complete additional tasks in other assignments."5. Most of the assignments will require someone else’s participation. You may partner with any of your classmates, but only for one assignment each. So, if you complete this first assignment with one person, you may not complete a later one with that same person. You also have the option of completing the assignments with people outside of class, but you must get their written consent. I have forms for that in my office."Any questions about the homework?” Nobody raised their hands. “Alright. One last thing: there will be a final project for this class, but you don’t need to worry about the details of that right now. I will explain it in the last few weeks of class."Alright, now on to today’s final activity. First, we need to move all the chairs to the sides, so we have ample floor space.” We moved chairs around, and soon we were all standing in the middle of the room. “Excellent. Now, everyone form a circle, with your group, with the girl on the left. Because the numbers don’t quite work out, I’ll ask that Tony and Eric sit outside the circle. In a little bit, you can switch with Alex and John.”We took a few minutes to do this, but soon we were in a large circle. On my right was Alex, and to my left was Roberto.“Alright, now I’ve looked for a name for what this is called, and the best I could find is a daisy chain. Everyone lie on the ground. Guys lie on your back, and girls on your knees. Your face should be between the legs of the person to your left. When you are in position, go ahead and start pleasuring your partner.”Soon, we were all in position. I started sucking on Roberto’s cock, and was slightly surprised when I felt Alex’s mouth make contact with my cunt. We all sucked and licked each other, which caused many noises, including slurps and moans of pleasure.After a few minutes, Ms. Sharon had Tony and Alex (and Eric and John) switch places, so Tony was now sucking on my labia, while Alex watched. He took it upon himself to jack off.A few minutes more, and Ms. Sharon had us turn around. So now, I was sucking on Tony, and Roberto was fucking me with his tongue. She also said we were welcome to cum whenever we were ready, but we were to continue the daisy chain until she said to stop.Latoya was on the other side of Tony, being pleasured by him. Apparently she had done a good job before we turned around, because it didn’t take long for Tony released his load. I felt a large spurt of cum shoot into the back of my throat. Since I wasn’t expecting it yet, I gagged a little, but I followed Ms. Sharon’s rule, and did not remove my mouth.For the next few minutes the room filled with the sounds of grunts and moans, as many of the guys, and a few of the girls came. Ms. Sharon had Tony get up and switch with Alex again. While they were switching, I swallowed Tony’s load. I only had a few seconds to catch my breath, then Alex’s cock was in my mouth again.The entire time, Roberto was slowly but surely bringing me closer to my orgasm, and it finally happened shortly after I started sucking on Alex. I moaned a little, then more, and finally I came hard, pushing my pelvis into Roberto’s face, and my mouth further onto Alex’s cock. It felt amazing! I hadn’t cum in a few days, so this was a long time coming.I continued to moan through the whole thing, which must have felt good for Alex, because shortly after I started, he followed my lead. I felt his large load of cum fill my mouth. It was more cum than Tony had released. As soon as I felt he was done, I swallowed it all.We had both finished cumming, but we didn’t stop pleasuring each other, or our partners. It appeared Ms. Sharon was waiting for each person to cum. A few minutes later, the last person (Barbara) had cum, and Ms. Sharon told us all we could stand up, and return to our seats.When we were all seated, she asked, “Did everyone enjoy that?” I looked around, and saw many nods, and more smiles. “Good. Now, that’s all I had planned for today, but I need to give you your homework assignment."By the next class period, you must give oral sex to one person, and receive oral sex from a different person. I don’t have any preference over whether your partners are the same sex or different. Remember, you may do your assignment with your classmates, but that counts them out for future assignments. Also, don’t forget to get proof of the encounters."Everyone have a good day, and I’ll see you next class period.”With that we were dismissed. We all stood, got dressed, and walked out. On the way out, I started talking with Nicole. After a bit of discussion about the class, she said she was going to a dining hall, and asked if I wanted to join her.“Nah, I’m not really hungry,” I said, with a smile. She laughed, and we parted ways.On my walk back to my dorm room, I thought about the day’s experience. Three guys had sucked on my cunt lips, fucked me with their tongues, and licked my clit. In exchange, I had sucked on each of their cocks, and swallowed two loads of cum. Quite an eventful morning.I also thought about who I’d complete the assignment with. After a little thought, I pulled my phone out and texted Nicole and asked her if she wanted to get her food to go, and join me in my room. Then I texted Alex as well.Suffice to say, the remainder of my day was fun. ;)Vaginal Intercourse.“Hello again, class,” Ms. Sharon said as she entered the classroom. “Long time, no see.”We were all seated, and ready to learn. And by that, I mean we were naked, and horny. Last class, the teacher had alluded to what we’d be doing this class period. She had made a point to tell everyone that if they cared to lose their virginity outside of class, to do it before today, because it would involve intercourse.This wasn’t a problem for me. I had lost mine to a good friend of mine in high school. I looked around and wondered if anyone else in the room was thinking about their first time too.I pulled myself away from that line of thought, and noticed I was already starting to get a little wet, just thinking about it. But it wasn’t just the thought of my first time that had me excited. All around the room there were cushions on the floor. I could only assume what they were for, but I had a pretty good idea.Ms. Sharon took her spot at the front of the classroom, and put her bag down, turning to the class. “Alright, class. Today, we’re in for a great time. I’ve already received everyone’s homework from last class, either via my email or my drop box, so we’ll jump straight into today’s material. I’m going to need a male and female volunteer.”She looked around at everyone, waiting for someone to raise their hand, but nobody did. I could tell everyone was excited about what was going to happen. I could visibly see it in some of the guys’ laps. But I guess nobody wanted to be the first to go. Ms. Sharon sighed, and said, “Alright, then I’ll have to resort back to the bag of volunteers”I had completely forgotten about the bag of volunteers. Back in the anatomy class, Ms. Sharon had created two bags with males and females, and said she’d use it if nobody volunteered for something. Those names that were removed from the bag would not be returned until everyone had been picked.“If you all remember, the only two names we’ve removed from the bag have been Nicole and Filipe. In our toys class, all the girls got a chance to demonstrate one of the toys, including Nicole, so I won’t be removing any new names from the girls bag. From the guy’s bag, however, I’ve already taken the liberty of removing Tony’s name, since he demoed the fleshlight, and none of the other guys demoed."So, first a girl.” She reached her hand into one of the bags, and I felt my heart start pumping with anticipation. Would it be my name she picked? If it was, what would she ask me to do? She pulled out a piece of paper, and unfolded it. “Sofia, please come up here.”I felt a little relieved, and a little disappointed. I looked over and saw the cute Latina girl lean her head forward in mock-defeat. Then she stood up, smiled, and walk to the front of the class. Her mid-sized tits, and beautiful ass jiggled the whole way.M

Can you find and correct the mistakes in Ben's sentences?Patreon: patreon.com/learnenglishwithben - For transcripts, comprehension quizzes, and video tutorials, join the fan club.Buy Me A Coffee: https://buymeacoffee.com/learnenglishwithbenInstagram: instagram.com/learnenglishwithbenWebsite: learnenglishwithben.comEmail: learnenglishwithben88@gmail.com - send me an email if you're interested in classes Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Samantha's New Toy.Based on a post by smalltitslovr, in 4 parts. Listen to the ► Podcast at Steamy Stories.of my thighs slide against each. I knew if Tristan didn’t stop soon, I would have an entire other problem.Finally, Tristan stopped. He put the remote back on the bench, and stood up. “Well, I gotta head to class now,” he said. “See you around, Samantha. Nice to meet you.”I couldn’t say anything, because I knew my voice would give away what I was feeling, so I simply nodded to him. Then he turned around and left.As soon as he was turned around, I grabbed the controller, and turned the knob all the way down, and finally, the buzzing stopped. As I caught my breath, I looked down. When Tristan was far enough away, I opened my legs a little, and assessed the situation.The denim material between my legs was completely soaked with my cunt juices. I was also now regretting choosing a pair of shorts that were so short. I could see the inside of my thighs were shiny.I started to wipe away what I could, but then I noticed some people approaching nearby. So, I grabbedA lesson on oral sex.Monday morning came, and it was time to go to ASE, once again. I got up, took a shower, then got dressed. Like usual, I knew it didn’t really matter what I wore, because I would be naked in class anyhow. So, I pulled on a pair of gym shorts and a t-shirt, not bothering with underwear. Then I grabbed my bag, and headed to class.I was running a little late, so I was nearly last to arrive. When I entered, I was greeted by the lovely sight of 11 naked students, sitting, waiting for class to start. I quickly pulled my shirt off, and saw the other three missing students (Alex, Eric, and Sofia) had just arrived as well. We all stripped, and soon Ms. Sharon came in, naked as usual.“Hello everyone,” she said. “I hope you had a good weekend. Everyone, please get with your partners.”A couple minutes later, and I was seated next to Alex and Tony. Everyone else was seated with their partner(s) as well.“Good. As we learned in our last class, the human body reacts to various stimuli. We demonstrated and observed this with sex toys. Today, we’ll take this a step further, and move on to oral intercourse. Who can tell me what oral sex is?”Nobody else seemed eager to speak up, so I raised my hand.“Yes, Samantha.”“Well, oral sex is when one person uses their mouth to pleasure someone else.”“Correct. There are three basic types of oral sex. Arguably the most common (although there’s no real way to prove it) is fellatio, also known as giving head, or a blow job, among other names. This is when a person uses their mouth to suck on a male’s cock. Let’s go ahead and practice that now."Although this can be performed by males, we won’t be covering homosexual intercourse for a few more classes. So, I will ask that all the females in the class please perform this act on your partners. Samantha, please do this for both Alex and Tony. Everyone, take special note of how much length you can take in your mouth, and try to take as much as you can. Also, guys, please don’t cum just yet. I’ll give you time for that in a little while.”Ms. Sharon then turned to John and Eric, and got on her knees. With no hesitation, she grabbed John’s cock, and put her lips around it, sliding it deep inside her mouth.Looking away, I turned to Alex and Tony. “Alright,” I said. “Who’s first?”They looked at each other, and both raised their hands. I smiled, and down on my knees. I moved closer, until I was between Tony’s legs, which he had opened wide for me. His cock was only slightly hard, but as soon as I grabbed it, it grew quickly.I hesitated at first, because I hadn’t ever tasted a guy’s cock before, so I started by licking the tip. It tasted a little salty, but not too bad. Then I slowly put my lips around the tip, and slid it across my tongue. Inch by inch, I took his manhood into my mouth, until I felt the tip push against the back of my throat.Remembering Ms. Sharon’s words, I pushed it further, until I felt myself start to gag. I knew it was possible to take more, but I couldn’t make myself do it. I stopped at about four inches. Then, I slid it back out. Before removing it, though, I felt Tony’s hand on the back of my head. He gently pushed me back down, and I didn’t resist. Soon, with Tony’s guidance, I was bobbing my head up and down on his cock. I sped up, and kept sucking on him. I felt him start to throb in my mouth, and I knew he was close to cumming. I wasn’t ready for that, so I pulled his cock out, and leaned back.“Thank you, Samantha,” he said. His cock throbbed up and down, but I didn’t see any cum.After taking a moment to catch my breath, I turned to Alex. “Your turn.” I said, smiling up at him.I moved forward, until my head was between his thighs. His cock was in his hand, and it appeared he had been jacking off while watching my performance with Tony. He aimed his cock at my face. With no hesitation this time, I opened my mouth, and graciously accepted it. It was smaller than Tony’s, but I still couldn’t quite take the whole thing on the first thrust. On the second one however, I stopped when it hit my throat, and realized there was only about half an inch left, so I pushed myself, and took the tip down my throat, until I felt my lips touch his balls. Then I pulled back out. He thrust into me a few more times, then pulled all the way out.I reached up and cleaned a little bit of drool and pre-cum from my lips, then got up and sat back in my chair. Looking around, it looked like I was last to finish, and everyone had been watching me.“Excellent job, everyone,” said Ms. Sharon, with a smile. “I hope you all enjoyed that as much as I did."Now, the other type of oral sex is called cunnilingus; the act of orally pleasuring a woman. This is usually done by licking and sucking on the girl’s labia, but can also involve sticking the tongue inside her. Guys, please practice this on your partners now.”I turned back to the boys, and waited for their lead. They looked at each other and decided Alex should go first. As he moved closer, I leaned back, and spread my legs. He put his head down, and gave my cunt a long lick. Of course, by this time, I was very wet, so he got a good taste of my juices.Then he put his mouth in between my legs and started going at it. I lifted my legs up to give him a good angle. I noticed many of the girls around the room were in much the same position. Alex continued licking my cunt, then he sucked on my lips. After a few seconds of that, he pushed his tongue inside me, which felt amazing. Then he pulled his head away.Alex moved away, and Tony immediately took his place. There was only about 3 seconds between when Alex pulled his head away, and Tony put his lips on mine. I could immediately tell Tony had done this before. He immediately found my clit, and teased it with his tongue. Then he slowly slid his tongue down, until it was at my hole, and he started fucking me with it. I let my head fall back, and enjoyed it. He continued for about a minute, then pulled his head away.Once again, our group was last to finish, since there were three of us. Tony took his seat, then Ms. Sharon stood up.“Good job, everyone,” she said. “Now, there are many positions involving oral sex, but the one that comes up more than any other is the 69.” She turned around and drew the number on the board. “It is named this, because the two bodies take this shape. One person lies down, and the other lies on top of them, facing the other way. What’s unique about this position is it’s one of the only ways that two partners can give and receive oral sex simultaneously."Now, I’d like each group to demonstrate this position. Guys lay on the floor on your back, and the girls will get on top of you.”Alex laid down first. Once he was ready, I got on my knees, then straddled his face. He immediately started licking my cunt again. I let him go at it for a moment, enjoying it, and looked around.A few of the girls were facing the wrong direction, and couldn’t figure out what they were doing wrong. Amy looked particularly perplexed, as she mounted her partner in a cowgirl position, with his cock pressed against her ass cheeks. I didn’t get to see if she eventually figured it out, since I decided it was time to start sucking on Alex.I leaned forward, and I found that my mouth was at exactly the right spot to suck on his dick. So I did. As I sucked on him, he licked me and tongue-fucked me. After a good five minutes, Tony tapped me on the shoulder. I looked up, and realized I hadn’t given him a turn yet. So, I got up, he laid down, and I took the same position again, but over Tony this time.Doing this position with Tony was much better, probably because I was already worked up. Also, his cock was bigger and tasted better. While I sucked on Tony, he ate me out, and it was amazing.After too short a time, I heard Ms. Sharon’s say, “Alright everyone. That’s enough. Please return to your seats.”I reluctantly took Tony’s cock out of my mouth, and stood up. A few moments later, we were all back in our seats.“Excellent work everyone,” Ms. Sharon said. “Now, I only have one activity left, and then you may all leave. But before we begin, I have a few things to say, in regards to future activities and assignments."First off, today will be our last class that does not involve full-on intercourse. That means that if you have not already lost your virginity, and would like to do so in your own way, I would advise you to do so before the next class."Secondly, beginning today, you will have a homework assignment given at the end of each class, based on that day’s topic. A few guidelines for all of these assignments:"1. You must complete each assignment outside of class. Any activities in class may not be used for homework assignments."2. Each assignment will be graded simply upon completion. If you do the given activity, you get full credit. If you don’t do it, you get a zero."3. Since I will not be there when you complete the assignment, you are required to submit proof of each assignment, in the form of photographs or videos."4. I will drop one homework grade. That means you have the choice to not complete any one assignment. Beyond that, if you don’t complete the assignment, you get a zero. However, there will be many opportunities for extra credit, so if you feel uncomfortable doing more than one assignment, you may make up some of the points by complete additional tasks in other assignments."5. Most of the assignments will require someone else’s participation. You may partner with any of your classmates, but only for one assignment each. So, if you complete this first assignment with one person, you may not complete a later one with that same person. You also have the option of completing the assignments with people outside of class, but you must get their written consent. I have forms for that in my office."Any questions about the homework?” Nobody raised their hands. “Alright. One last thing: there will be a final project for this class, but you don’t need to worry about the details of that right now. I will explain it in the last few weeks of class."Alright, now on to today’s final activity. First, we need to move all the chairs to the sides, so we have ample floor space.” We moved chairs around, and soon we were all standing in the middle of the room. “Excellent. Now, everyone form a circle, with your group, with the girl on the left. Because the numbers don’t quite work out, I’ll ask that Tony and Eric sit outside the circle. In a little bit, you can switch with Alex and John.”We took a few minutes to do this, but soon we were in a large circle. On my right was Alex, and to my left was Roberto.“Alright, now I’ve looked for a name for what this is called, and the best I could find is a daisy chain. Everyone lie on the ground. Guys lie on your back, and girls on your knees. Your face should be between the legs of the person to your left. When you are in position, go ahead and start pleasuring your partner.”Soon, we were all in position. I started sucking on Roberto’s cock, and was slightly surprised when I felt Alex’s mouth make contact with my cunt. We all sucked and licked each other, which caused many noises, including slurps and moans of pleasure.After a few minutes, Ms. Sharon had Tony and Alex (and Eric and John) switch places, so Tony was now sucking on my labia, while Alex watched. He took it upon himself to jack off.A few minutes more, and Ms. Sharon had us turn around. So now, I was sucking on Tony, and Roberto was fucking me with his tongue. She also said we were welcome to cum whenever we were ready, but we were to continue the daisy chain until she said to stop.Latoya was on the other side of Tony, being pleasured by him. Apparently she had done a good job before we turned around, because it didn’t take long for Tony released his load. I felt a large spurt of cum shoot into the back of my throat. Since I wasn’t expecting it yet, I gagged a little, but I followed Ms. Sharon’s rule, and did not remove my mouth.For the next few minutes the room filled with the sounds of grunts and moans, as many of the guys, and a few of the girls came. Ms. Sharon had Tony get up and switch with Alex again. While they were switching, I swallowed Tony’s load. I only had a few seconds to catch my breath, then Alex’s cock was in my mouth again.The entire time, Roberto was slowly but surely bringing me closer to my orgasm, and it finally happened shortly after I started sucking on Alex. I moaned a little, then more, and finally I came hard, pushing my pelvis into Roberto’s face, and my mouth further onto Alex’s cock. It felt amazing! I hadn’t cum in a few days, so this was a long time coming.I continued to moan through the whole thing, which must have felt good for Alex, because shortly after I started, he followed my lead. I felt his large load of cum fill my mouth. It was more cum than Tony had released. As soon as I felt he was done, I swallowed it all.We had both finished cumming, but we didn’t stop pleasuring each other, or our partners. It appeared Ms. Sharon was waiting for each person to cum. A few minutes later, the last person (Barbara) had cum, and Ms. Sharon told us all we could stand up, and return to our seats.When we were all seated, she asked, “Did everyone enjoy that?” I looked around, and saw many nods, and more smiles. “Good. Now, that’s all I had planned for today, but I need to give you your homework assignment."By the next class period, you must give oral sex to one person, and receive oral sex from a different person. I don’t have any preference over whether your partners are the same sex or different. Remember, you may do your assignment with your classmates, but that counts them out for future assignments. Also, don’t forget to get proof of the encounters."Everyone have a good day, and I’ll see you next class period.”With that we were dismissed. We all stood, got dressed, and walked out. On the way out, I started talking with Nicole. After a bit of discussion about the class, she said she was going to a dining hall, and asked if I wanted to join her.“Nah, I’m not really hungry,” I said, with a smile. She laughed, and we parted ways.On my walk back to my dorm room, I thought about the day’s experience. Three guys had sucked on my cunt lips, fucked me with their tongues, and licked my clit. In exchange, I had sucked on each of their cocks, and swallowed two loads of cum. Quite an eventful morning.I also thought about who I’d complete the assignment with. After a little thought, I pulled my phone out and texted Nicole and asked her if she wanted to get her food to go, and join me in my room. Then I texted Alex as well.Suffice to say, the remainder of my day was fun. ;)Vaginal Intercourse.“Hello again, class,” Ms. Sharon said as she entered the classroom. “Long time, no see.”We were all seated, and ready to learn. And by that, I mean we were naked, and horny. Last class, the teacher had alluded to what we’d be doing this class period. She had made a point to tell everyone that if they cared to lose their virginity outside of class, to do it before today, because it would involve intercourse.This wasn’t a problem for me. I had lost mine to a good friend of mine in high school. I looked around and wondered if anyone else in the room was thinking about their first time too.I pulled myself away from that line of thought, and noticed I was already starting to get a little wet, just thinking about it. But it wasn’t just the thought of my first time that had me excited. All around the room there were cushions on the floor. I could only assume what they were for, but I had a pretty good idea.Ms. Sharon took her spot at the front of the classroom, and put her bag down, turning to the class. “Alright, class. Today, we’re in for a great time. I’ve already received everyone’s homework from last class, either via my email or my drop box, so we’ll jump straight into today’s material. I’m going to need a male and female volunteer.”She looked around at everyone, waiting for someone to raise their hand, but nobody did. I could tell everyone was excited about what was going to happen. I could visibly see it in some of the guys’ laps. But I guess nobody wanted to be the first to go. Ms. Sharon sighed, and said, “Alright, then I’ll have to resort back to the bag of volunteers”I had completely forgotten about the bag of volunteers. Back in the anatomy class, Ms. Sharon had created two bags with males and females, and said she’d use it if nobody volunteered for something. Those names that were removed from the bag would not be returned until everyone had been picked.“If you all remember, the only two names we’ve removed from the bag have been Nicole and Filipe. In our toys class, all the girls got a chance to demonstrate one of the toys, including Nicole, so I won’t be removing any new names from the girls bag. From the guy’s bag, however, I’ve already taken the liberty of removing Tony’s name, since he demoed the fleshlight, and none of the other guys demoed."So, first a girl.” She reached her hand into one of the bags, and I felt my heart start pumping with anticipation. Would it be my name she picked? If it was, what would she ask me to do? She pulled out a piece of paper, and unfolded it. “Sofia, please come up here.”I felt a little relieved, and a little disappointed. I looked over and saw the cute Latina girl lean her head forward in mock-defeat. Then she stood up, smiled, and walk to the front of the class. Her mid-sized tits, and beautiful ass jiggled the whole way.M

Samantha's New Toy.Based on a post by smalltitslovr, in 4 parts. Listen to the ► Podcast at Steamy Stories.of my thighs slide against each. I knew if Tristan didn’t stop soon, I would have an entire other problem.Finally, Tristan stopped. He put the remote back on the bench, and stood up. “Well, I gotta head to class now,” he said. “See you around, Samantha. Nice to meet you.”I couldn’t say anything, because I knew my voice would give away what I was feeling, so I simply nodded to him. Then he turned around and left.As soon as he was turned around, I grabbed the controller, and turned the knob all the way down, and finally, the buzzing stopped. As I caught my breath, I looked down. When Tristan was far enough away, I opened my legs a little, and assessed the situation.The denim material between my legs was completely soaked with my cunt juices. I was also now regretting choosing a pair of shorts that were so short. I could see the inside of my thighs were shiny.I started to wipe away what I could, but then I noticed some people approaching nearby. So, I grabbedA lesson on oral sex.Monday morning came, and it was time to go to ASE, once again. I got up, took a shower, then got dressed. Like usual, I knew it didn’t really matter what I wore, because I would be naked in class anyhow. So, I pulled on a pair of gym shorts and a t-shirt, not bothering with underwear. Then I grabbed my bag, and headed to class.I was running a little late, so I was nearly last to arrive. When I entered, I was greeted by the lovely sight of 11 naked students, sitting, waiting for class to start. I quickly pulled my shirt off, and saw the other three missing students (Alex, Eric, and Sofia) had just arrived as well. We all stripped, and soon Ms. Sharon came in, naked as usual.“Hello everyone,” she said. “I hope you had a good weekend. Everyone, please get with your partners.”A couple minutes later, and I was seated next to Alex and Tony. Everyone else was seated with their partner(s) as well.“Good. As we learned in our last class, the human body reacts to various stimuli. We demonstrated and observed this with sex toys. Today, we’ll take this a step further, and move on to oral intercourse. Who can tell me what oral sex is?”Nobody else seemed eager to speak up, so I raised my hand.“Yes, Samantha.”“Well, oral sex is when one person uses their mouth to pleasure someone else.”“Correct. There are three basic types of oral sex. Arguably the most common (although there’s no real way to prove it) is fellatio, also known as giving head, or a blow job, among other names. This is when a person uses their mouth to suck on a male’s cock. Let’s go ahead and practice that now."Although this can be performed by males, we won’t be covering homosexual intercourse for a few more classes. So, I will ask that all the females in the class please perform this act on your partners. Samantha, please do this for both Alex and Tony. Everyone, take special note of how much length you can take in your mouth, and try to take as much as you can. Also, guys, please don’t cum just yet. I’ll give you time for that in a little while.”Ms. Sharon then turned to John and Eric, and got on her knees. With no hesitation, she grabbed John’s cock, and put her lips around it, sliding it deep inside her mouth.Looking away, I turned to Alex and Tony. “Alright,” I said. “Who’s first?”They looked at each other, and both raised their hands. I smiled, and down on my knees. I moved closer, until I was between Tony’s legs, which he had opened wide for me. His cock was only slightly hard, but as soon as I grabbed it, it grew quickly.I hesitated at first, because I hadn’t ever tasted a guy’s cock before, so I started by licking the tip. It tasted a little salty, but not too bad. Then I slowly put my lips around the tip, and slid it across my tongue. Inch by inch, I took his manhood into my mouth, until I felt the tip push against the back of my throat.Remembering Ms. Sharon’s words, I pushed it further, until I felt myself start to gag. I knew it was possible to take more, but I couldn’t make myself do it. I stopped at about four inches. Then, I slid it back out. Before removing it, though, I felt Tony’s hand on the back of my head. He gently pushed me back down, and I didn’t resist. Soon, with Tony’s guidance, I was bobbing my head up and down on his cock. I sped up, and kept sucking on him. I felt him start to throb in my mouth, and I knew he was close to cumming. I wasn’t ready for that, so I pulled his cock out, and leaned back.“Thank you, Samantha,” he said. His cock throbbed up and down, but I didn’t see any cum.After taking a moment to catch my breath, I turned to Alex. “Your turn.” I said, smiling up at him.I moved forward, until my head was between his thighs. His cock was in his hand, and it appeared he had been jacking off while watching my performance with Tony. He aimed his cock at my face. With no hesitation this time, I opened my mouth, and graciously accepted it. It was smaller than Tony’s, but I still couldn’t quite take the whole thing on the first thrust. On the second one however, I stopped when it hit my throat, and realized there was only about half an inch left, so I pushed myself, and took the tip down my throat, until I felt my lips touch his balls. Then I pulled back out. He thrust into me a few more times, then pulled all the way out.I reached up and cleaned a little bit of drool and pre-cum from my lips, then got up and sat back in my chair. Looking around, it looked like I was last to finish, and everyone had been watching me.“Excellent job, everyone,” said Ms. Sharon, with a smile. “I hope you all enjoyed that as much as I did."Now, the other type of oral sex is called cunnilingus; the act of orally pleasuring a woman. This is usually done by licking and sucking on the girl’s labia, but can also involve sticking the tongue inside her. Guys, please practice this on your partners now.”I turned back to the boys, and waited for their lead. They looked at each other and decided Alex should go first. As he moved closer, I leaned back, and spread my legs. He put his head down, and gave my cunt a long lick. Of course, by this time, I was very wet, so he got a good taste of my juices.Then he put his mouth in between my legs and started going at it. I lifted my legs up to give him a good angle. I noticed many of the girls around the room were in much the same position. Alex continued licking my cunt, then he sucked on my lips. After a few seconds of that, he pushed his tongue inside me, which felt amazing. Then he pulled his head away.Alex moved away, and Tony immediately took his place. There was only about 3 seconds between when Alex pulled his head away, and Tony put his lips on mine. I could immediately tell Tony had done this before. He immediately found my clit, and teased it with his tongue. Then he slowly slid his tongue down, until it was at my hole, and he started fucking me with it. I let my head fall back, and enjoyed it. He continued for about a minute, then pulled his head away.Once again, our group was last to finish, since there were three of us. Tony took his seat, then Ms. Sharon stood up.“Good job, everyone,” she said. “Now, there are many positions involving oral sex, but the one that comes up more than any other is the 69.” She turned around and drew the number on the board. “It is named this, because the two bodies take this shape. One person lies down, and the other lies on top of them, facing the other way. What’s unique about this position is it’s one of the only ways that two partners can give and receive oral sex simultaneously."Now, I’d like each group to demonstrate this position. Guys lay on the floor on your back, and the girls will get on top of you.”Alex laid down first. Once he was ready, I got on my knees, then straddled his face. He immediately started licking my cunt again. I let him go at it for a moment, enjoying it, and looked around.A few of the girls were facing the wrong direction, and couldn’t figure out what they were doing wrong. Amy looked particularly perplexed, as she mounted her partner in a cowgirl position, with his cock pressed against her ass cheeks. I didn’t get to see if she eventually figured it out, since I decided it was time to start sucking on Alex.I leaned forward, and I found that my mouth was at exactly the right spot to suck on his dick. So I did. As I sucked on him, he licked me and tongue-fucked me. After a good five minutes, Tony tapped me on the shoulder. I looked up, and realized I hadn’t given him a turn yet. So, I got up, he laid down, and I took the same position again, but over Tony this time.Doing this position with Tony was much better, probably because I was already worked up. Also, his cock was bigger and tasted better. While I sucked on Tony, he ate me out, and it was amazing.After too short a time, I heard Ms. Sharon’s say, “Alright everyone. That’s enough. Please return to your seats.”I reluctantly took Tony’s cock out of my mouth, and stood up. A few moments later, we were all back in our seats.“Excellent work everyone,” Ms. Sharon said. “Now, I only have one activity left, and then you may all leave. But before we begin, I have a few things to say, in regards to future activities and assignments."First off, today will be our last class that does not involve full-on intercourse. That means that if you have not already lost your virginity, and would like to do so in your own way, I would advise you to do so before the next class."Secondly, beginning today, you will have a homework assignment given at the end of each class, based on that day’s topic. A few guidelines for all of these assignments:"1. You must complete each assignment outside of class. Any activities in class may not be used for homework assignments."2. Each assignment will be graded simply upon completion. If you do the given activity, you get full credit. If you don’t do it, you get a zero."3. Since I will not be there when you complete the assignment, you are required to submit proof of each assignment, in the form of photographs or videos."4. I will drop one homework grade. That means you have the choice to not complete any one assignment. Beyond that, if you don’t complete the assignment, you get a zero. However, there will be many opportunities for extra credit, so if you feel uncomfortable doing more than one assignment, you may make up some of the points by complete additional tasks in other assignments."5. Most of the assignments will require someone else’s participation. You may partner with any of your classmates, but only for one assignment each. So, if you complete this first assignment with one person, you may not complete a later one with that same person. You also have the option of completing the assignments with people outside of class, but you must get their written consent. I have forms for that in my office."Any questions about the homework?” Nobody raised their hands. “Alright. One last thing: there will be a final project for this class, but you don’t need to worry about the details of that right now. I will explain it in the last few weeks of class."Alright, now on to today’s final activity. First, we need to move all the chairs to the sides, so we have ample floor space.” We moved chairs around, and soon we were all standing in the middle of the room. “Excellent. Now, everyone form a circle, with your group, with the girl on the left. Because the numbers don’t quite work out, I’ll ask that Tony and Eric sit outside the circle. In a little bit, you can switch with Alex and John.”We took a few minutes to do this, but soon we were in a large circle. On my right was Alex, and to my left was Roberto.“Alright, now I’ve looked for a name for what this is called, and the best I could find is a daisy chain. Everyone lie on the ground. Guys lie on your back, and girls on your knees. Your face should be between the legs of the person to your left. When you are in position, go ahead and start pleasuring your partner.”Soon, we were all in position. I started sucking on Roberto’s cock, and was slightly surprised when I felt Alex’s mouth make contact with my cunt. We all sucked and licked each other, which caused many noises, including slurps and moans of pleasure.After a few minutes, Ms. Sharon had Tony and Alex (and Eric and John) switch places, so Tony was now sucking on my labia, while Alex watched. He took it upon himself to jack off.A few minutes more, and Ms. Sharon had us turn around. So now, I was sucking on Tony, and Roberto was fucking me with his tongue. She also said we were welcome to cum whenever we were ready, but we were to continue the daisy chain until she said to stop.Latoya was on the other side of Tony, being pleasured by him. Apparently she had done a good job before we turned around, because it didn’t take long for Tony released his load. I felt a large spurt of cum shoot into the back of my throat. Since I wasn’t expecting it yet, I gagged a little, but I followed Ms. Sharon’s rule, and did not remove my mouth.For the next few minutes the room filled with the sounds of grunts and moans, as many of the guys, and a few of the girls came. Ms. Sharon had Tony get up and switch with Alex again. While they were switching, I swallowed Tony’s load. I only had a few seconds to catch my breath, then Alex’s cock was in my mouth again.The entire time, Roberto was slowly but surely bringing me closer to my orgasm, and it finally happened shortly after I started sucking on Alex. I moaned a little, then more, and finally I came hard, pushing my pelvis into Roberto’s face, and my mouth further onto Alex’s cock. It felt amazing! I hadn’t cum in a few days, so this was a long time coming.I continued to moan through the whole thing, which must have felt good for Alex, because shortly after I started, he followed my lead. I felt his large load of cum fill my mouth. It was more cum than Tony had released. As soon as I felt he was done, I swallowed it all.We had both finished cumming, but we didn’t stop pleasuring each other, or our partners. It appeared Ms. Sharon was waiting for each person to cum. A few minutes later, the last person (Barbara) had cum, and Ms. Sharon told us all we could stand up, and return to our seats.When we were all seated, she asked, “Did everyone enjoy that?” I looked around, and saw many nods, and more smiles. “Good. Now, that’s all I had planned for today, but I need to give you your homework assignment."By the next class period, you must give oral sex to one person, and receive oral sex from a different person. I don’t have any preference over whether your partners are the same sex or different. Remember, you may do your assignment with your classmates, but that counts them out for future assignments. Also, don’t forget to get proof of the encounters."Everyone have a good day, and I’ll see you next class period.”With that we were dismissed. We all stood, got dressed, and walked out. On the way out, I started talking with Nicole. After a bit of discussion about the class, she said she was going to a dining hall, and asked if I wanted to join her.“Nah, I’m not really hungry,” I said, with a smile. She laughed, and we parted ways.On my walk back to my dorm room, I thought about the day’s experience. Three guys had sucked on my cunt lips, fucked me with their tongues, and licked my clit. In exchange, I had sucked on each of their cocks, and swallowed two loads of cum. Quite an eventful morning.I also thought about who I’d complete the assignment with. After a little thought, I pulled my phone out and texted Nicole and asked her if she wanted to get her food to go, and join me in my room. Then I texted Alex as well.Suffice to say, the remainder of my day was fun. ;)Vaginal Intercourse.“Hello again, class,” Ms. Sharon said as she entered the classroom. “Long time, no see.”We were all seated, and ready to learn. And by that, I mean we were naked, and horny. Last class, the teacher had alluded to what we’d be doing this class period. She had made a point to tell everyone that if they cared to lose their virginity outside of class, to do it before today, because it would involve intercourse.This wasn’t a problem for me. I had lost mine to a good friend of mine in high school. I looked around and wondered if anyone else in the room was thinking about their first time too.I pulled myself away from that line of thought, and noticed I was already starting to get a little wet, just thinking about it. But it wasn’t just the thought of my first time that had me excited. All around the room there were cushions on the floor. I could only assume what they were for, but I had a pretty good idea.Ms. Sharon took her spot at the front of the classroom, and put her bag down, turning to the class. “Alright, class. Today, we’re in for a great time. I’ve already received everyone’s homework from last class, either via my email or my drop box, so we’ll jump straight into today’s material. I’m going to need a male and female volunteer.”She looked around at everyone, waiting for someone to raise their hand, but nobody did. I could tell everyone was excited about what was going to happen. I could visibly see it in some of the guys’ laps. But I guess nobody wanted to be the first to go. Ms. Sharon sighed, and said, “Alright, then I’ll have to resort back to the bag of volunteers”I had completely forgotten about the bag of volunteers. Back in the anatomy class, Ms. Sharon had created two bags with males and females, and said she’d use it if nobody volunteered for something. Those names that were removed from the bag would not be returned until everyone had been picked.“If you all remember, the only two names we’ve removed from the bag have been Nicole and Filipe. In our toys class, all the girls got a chance to demonstrate one of the toys, including Nicole, so I won’t be removing any new names from the girls bag. From the guy’s bag, however, I’ve already taken the liberty of removing Tony’s name, since he demoed the fleshlight, and none of the other guys demoed."So, first a girl.” She reached her hand into one of the bags, and I felt my heart start pumping with anticipation. Would it be my name she picked? If it was, what would she ask me to do? She pulled out a piece of paper, and unfolded it. “Sofia, please come up here.”I felt a little relieved, and a little disappointed. I looked over and saw the cute Latina girl lean her head forward in mock-defeat. Then she stood up, smiled, and walk to the front of the class. Her mid-sized tits, and beautiful ass jiggled the whole way.M

Kiera is joined by Derick Van Ness of Big Life Financial to talk about taxes, and how to handle them beyond simply thinking of them as a necessary evil. The pair discuss knowing your numbers, utilizing tax credits, the magic touch of a CPA, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team Listeners, this is Kiera. And today I am super excited. This is one of our top favorite guests that has been on the podcast. We're bringing him back on because there are some new updates and our clients love him. I love him. He is incredible. Derick Van Ness, he is with Big Life Financial. And you might have heard him on the podcast before talking about R &D credits, tax saving ideas, CPA.   This man does a lot of your wealth and how to build and keep your wealth. So I always love our conversations and just like his good information. Plus, if I remember right, he might know Garrett Gunderson. So obviously I've been a fangirl since day one. Derick, welcome back to the show. How are you today?   Derick Van Ness (00:42) Well, I'm doing great and really happy to be here with you, Kiera. I'm not Garrett Gunderson because he is taller and better looking, but I'm a good second place.   The Dental A Team (00:48) Ha ha ha!   I think that you're great. The fact that you know Garrett Gunderson, that already just has elevated you. I mean, I think it was one of our first conversations we ever had. And I was like, have you ever read like Killing Sacred Cows? And you're like, I actually know Garrett Gunderson. I was like, what? Fangirling. So ⁓ anyway, Derick, for those who have not met you, haven't heard your episode, because we do have new listeners to the podcast. Just kind of give them a little intro of who is Derick Bennis? What is Big Life Financial? And give the listeners a little intro to who you are.   Derick Van Ness (01:20) Okay, well outside of being ⁓ in love with my wife, in love with art and in love with racing sailboats, what I do professionally is I help ⁓ doctors and dentists to be smarter with their money. So what does that mean? That means how do you, not so much to make it, I mean we do help people scale, but once you make the money, which is something a lot of dentists are good at, how do you keep it through tax savings? How do you grow it and how do you protect it, right?   And today we're going to talk a little bit about how do you keep more what you make? Because honestly, for dentists, even though taxes seem boring when you don't have to write that $50,000 or $100,000 or $200,000 check, it gets a lot cooler. If you would have told me I'd be a tax and financial guy when I was a kid, I probably would have just taken an early exit somewhere and jumped off a bridge. But I really see money in what we do as a lifestyle business. It's not about money.   The Dental A Team (02:01) Yeah.   Derick Van Ness (02:17) If you have enough, then money is what it is. When you don't have enough, it's a problem. And I just find for a lot of people, it's the reason or excuse that they constrain themselves. They don't spend time with family. They don't think do things that they want to do. They don't have the experiences that are going to change their life. So when we can get money out of the way, then you can live your big life, which is why the company's big life financial, because it doesn't matter if you have more or less money. The question is, what's the life you're living? What's your quality of life?   And so taxes are a big piece of that. Obviously we can't talk about everything on a podcast like this, because you'd be buried under a ton of bricks. But that's what I do is I try to make this stuff easy. I try to make it fun. And I want you to realize that the whole point of all this money stuff is so that you can live a life you want to   The Dental A Team (02:55) You   Which Derick, that's why we have connected. You have met my husband. have had personal conversations outside of the podcast because I very much align and subscribe to this lifestyle and this mode of thinking. I believe that practices should work for us and us not work for our practices. I believe that we became business owners to have these big lives and these, audacious dreams. And yet I feel so many people live below their, their potential. They are trapped. They are.   Derick Van Ness (03:33) Mm-hmm.   The Dental A Team (03:34) It's crazy. I ⁓ had a client and she actually made so much money last year, which was amazing because the year before she was like, Kiera, I want to make more. So I was like, great, we're going after profit and production like blinders on. Don't talk to me about anything else. And she had like a crazy year and she's like, great. Now I have this huge check. I've got to write in taxes. And I was like, not my problem. Like you need better CPA help on that, but glad we made you the money. But I bring that up because one, it was a huge win for a client, but two,   Derick Van Ness (03:52) I don't know.   Yep.   The Dental A Team (04:02) I think that people being able to keep the money that they make, hold on to more money that they make. Like I love that we live in America and it's a free country and that we get to pay taxes. Like I'm so freaking grateful for that. With that said, I do not want to pay one penny more than I need to. And I want to maintain and keep as much as I possibly can to live the life I want and to not feel the guilt of being a successful business owner and to do the fun things that I always imagined and dreamed of doing without the guilt of doing it. And I think so many people are so scared of.   Derick Van Ness (04:11) Yep.   The Dental A Team (04:32) being financially free, they're scared to spend money. They get hit with tax burdens left and right. I can't tell you how many dentists that I hear at the end of their career and they've had great careers, but they have no financial stability. like, Derick, this is the stuff that stresses me out and keeps me up at night and which is why you're on the podcast because I want people to be smarter. want them to be more educated and I want them to live happier lives. So let's walk through like R and D credits and CPA and like how people can live a more enriched   Derick Van Ness (04:33) Mm-hmm.   Yep.   The Dental A Team (05:02) big life today rather than waiting. I think it's just a fun topic to talk about. I'm intrigued, so let's talk about it.   Derick Van Ness (05:07) Yeah   Well, let's do. mean, we can start generally with taxes and then we can kind of move into the credits piece because it is like a it's just a small very segmented piece of what you do with your taxes. overall, the biggest thing I see is most people see taxes as like a necessary evil. This is the thing I have to deal with. When people see something as a necessary evil, what do they do? They do the minimum. Right. And what that really turns into is   You're not talking with your CPA. You're not coordinating with them. You're not being proactive. At the end of the year, you just want to do the least. So you just hand them all your stuff. I realize people don't come in boxes anymore. Now it's like, here's my QuickBooks password. Or I add you to my account. ⁓ And then they tell you how much you owe. But if you ran your business that way, if you just didn't look at anything all year, and at the end of the year, you're like, I wonder how we did. Wouldn't go so well if you didn't talk to your team about anything. What's that?   The Dental A Team (06:01) People do that though, Derick. They do it all the   time. This is not abnormal. They do it all the time. They're like, my gosh, I owe how much? my gosh, we didn't hit goal. And I'm like, ⁓ let's at least look at our numbers. Like that's step one. Step two, let's talk to our team. You're not wrong. I'm just shocked at how many people do this in real life. And I'm like, hey, there's a different way of living. like, maybe let's take that path. Just try it out. It's like t-shirt. Try that one on. It might feel better than your current oversized, like two baggy of clothes that don't fit. And then you're angry.   Derick Van Ness (06:11) I know.   The Dental A Team (06:30) the time. anyway go on didn't mean to interrupt the rant.   Derick Van Ness (06:32) What if I'm gonna be   a Gen Z VSCO girl? I I want the Oversight T-shirt and the angst.   The Dental A Team (06:36) Well, as I said it, as I   said it, I was like, well, that's like the current style. Like what's uncomfortable clothing? Maybe it's like the wool scratchy. I just came back from Iceland and I'll tell you what, I didn't buy a single shirt there. I was like, that is gonna scratch me. I know it's warm, but I'm not wearing that for the rest of time. Like there are softer clothes in this world that are equally as warm. Like I'll choose that. So that maybe you're wearing a wool scratchy sweater. Cause you never look at your numbers. You're always irritable. You're always angry.   Maybe you might get the oversized hoodie that's way more comfy. Maybe that's the better analogy for today.   Derick Van Ness (07:07) Well, and so you help them look at their numbers, right? What's your P &L? What are your KPIs? There are tax numbers too, right? Like I'm usually meeting with clients in September-ish to say, OK, how much have you made so far this year? What does that put us on track for December 31st? And then we have November, I'm sorry, September, October, November, December to do things to get that number at the end where you want it to be. I'm not talking about go out and spend $1.   to save $0.40, right? People do that. Oh, go buy a car. If you don't need a car, that's just a waste of money. I literally had someone who's like, should I just buy a G-Wagon? I'm like, only if you were going to buy a G-Wagon anyway. They want the tax break, but.   The Dental A Team (07:45) I mean, I asked that question too.   I mean, I do. I do ask it as well, but it's unnecessary. You're right. Like, so I can repel you you're not going to do it. Don't just because you get the tax benefit. You just have to pay the money. So, but I do ask because I want to know, just tell me I can buy the boat, Derick.   Derick Van Ness (07:58) Yeah.   Well, boats are totally different. They're way more fun, but they're also way more expensive to maintain. So I love boats. I absolutely do. But they are not cheap, right? As the saying goes, break out another 1,000. That's what boat stands for. Just go to the ocean and throw $1,000 in it every month. That's what owning a boat's like if you don't use it.   The Dental A Team (08:05) They are not. I know.   gosh, I've never heard that.   That's hilarious.   That's hilarious. I've heard like the best day and worst day of owning a boat is the day you buy it and the day you sell it. Like that's the only best days. I have a boat. I do love the boat. It is an older boat. things I'm not... Maybe mine's like break out a 10 because we've got a much older boat. But like, know, when we upgrade then we'll be in the thousand realm. ⁓   Derick Van Ness (08:28) So.   Yep.   Yeah.   Yes, yes. So boats are great. Not usually the best tax strategy. But the big thing here is when you sail a boat or when you drive a car, I heard this the other day and I thought it was perfect. It's like when you drive a car, what's bigger, the windshield or the rear view mirror? Most people are doing taxes in the rear view mirror. That is not about your expansive future. That's about recording your past, right? And so if you just did business planning one year at a time,   Like you wouldn't ever buy the building. You wouldn't ever invest in the equipment. You wouldn't ever invest in the education, right? It's the same thing for taxes. It is part of a cohesive and ongoing plan. ⁓ so when you want to plan that, we have to look into the future. And so looking into the future allows you to control your income, control your expenses. But you have to know your numbers to your point, right? Like if you don't understand a P &L,   It's really hard to do tax work because we don't know what your income is. And I have some clients who come in that way. And I have to really get them to understand that if you don't have good books, you don't have good data, it's like trying to do dentistry without a diagnostic. You just go in and start drilling teeth to see what's happening. No, you wouldn't do dentistry that way. Don't do that way with your taxes either. should I just buy this and I'll just buy that and randomly and I help those work out?   Your P &L is really like your diagnostic, right? Both on the income side, but also that's related to taxes. And so I think the big thing for people is think of taxes as an additional income stream. If you do this right, you can keep, like a lot of dentists pay 40 % or more in taxes, right? So if we can cut that from 40 down to 20 to 25 % on average, that's 15 % straight to your bottom line.   And it probably takes an average of two hours a month at most, which is pretty good, right? Like if you could add a new service into your business, no employees, no marketing, no overhead, two hours a month, but profits went up by 15%, would you take it? Most dentists would say, yeah, that six figures is pretty good.   The Dental A Team (10:53) As long as I'm not going to jail, Derick,   I don't want to go to jail. That's my only line. Like, how is this legal? Because so many people talk about tax strategy and my line is I'm willing to live in the gray, I'm just not willing to go to jail. So how do you go from 40 to 20 that's legal and ethical?   Derick Van Ness (11:01) you   Yeah, we don't want to go to jail.   Yeah, so there's two things. There are lots of little things. So research and development credits, which we'll get to in a minute, is one of those things. It's not little. I would call it a medium thing. For a lot of dentists, it's worth between $10, depending on the size of your clinic, $10,000 $50,000 a year. So it's sizable. And then there's all the pay your kids, cost segregation, salary and dividends, all that kind of stuff. And those things stack up. If you pay your kids right, then that can save you   The Dental A Team (11:21) I agree, I would too.   Mm-hmm.   Derick Van Ness (11:40) 10, 15 grand if you're in a state where you can pay your state taxes and have a federal write-off that might save you 10, 15, 20 thousand dollars a year. Taking a salary, the proper salary versus dividends that might save you another 10 or 15 thousand. So these things start to stack up but when you're in that 500,000 plus tax bracket there are things like and I can't totally get into details because this is stuff for accredited investors and I don't know who the listeners are and all that but there are   Investments you can make that have big tax breaks, right? And that could be everything from energy types of things to short-term rentals, different types of real estate. There's a lot of different stuff, right? So that sort of depends on what's the life you want to build and aligning that. ⁓ There are lots of charitable and donation type strategies where you can create some really big tax breaks. There's entity structuring, ⁓ where you take your income and how you take your income matters.   So you can really layer all of this stuff and make huge chunks, take huge chunks out of your business. The bigger you are, the bigger you can do with these things. And honestly, once you get over a million plus in income, then there's another layer of stuff you can do. It's just a lot of times the setup costs, you have to have enough tax burden to make it worth it. But there's some really neat stuff out there. And some of the stuff with the big, beautiful bill. ⁓   bringing back bonus depreciation. There's some really neat things where, oh, if you do a solar thing, you can get some credits, but then you can also get all the depreciation in the first year. And so you put in $100,000 into this type of investment. You may not make a lot of money, but you might get $150,000, $175,000, $200,000 worth of write-offs on your taxes. And when I say write-offs, mean dollars you don't pay, like true credit dollar for dollar. That could be huge, right? Things like that.   The Dental A Team (13:10) Yes.   Right.   Derick Van Ness (13:38) that a lot of people are just unaware of. And don't take that as an investment advice. I'm just telling you about things that exist in the world that may or may not be for you. Check with your financial professional. But yeah, you start stacking all these things up and you go from, I wrote $150,000 check to, I wrote a $60,000 check. And then what I like to do is help people take that 90 grand you would have given to the government. And now let's add that to what you would already save. And for a lot of people, that's   The Dental A Team (13:47) That's amazing.   Derick Van Ness (14:07) a lot more than they were already saving. So we more than doubled their savings rate. And the fastest thing you can do to build wealth is just get more money into the equation. So that's really it is we're trying to create money that you can then put to work for you outside your business. Because what nobody ever tells you is, even if you're an amazing dentist and you make all this money and you sell your practice for top dollar, and you get all that money, you become a professional investor.   The Dental A Team (14:27) you   Derick Van Ness (14:36) And if you don't have any investment skills, if you don't know how to put that money to work, if you don't know how to protect it, you're just a lamb to the slaughter. You know, everybody shows up, they got an idea. Your brother-in-law wants to start a coffee shop or a brewery. Your neighbor has the next best tech app. And all of a sudden, all this money just starts disappearing because you're not seasoned. So one of the things we like to do is get people doing these types of investments, learning, getting a skill set around it so that when you do get that big   big shot when you sell your business or you have those huge tax or those huge years and you don't pay all the taxes, you know what to do with the money. Because that's a whole different skill set than running a dental clinic.   The Dental A Team (15:17) I don't disagree. And that's why Derick, I love having you on here. And I think your comment of the goal is to get more money to put into the equation. What are the things like, I have 90 grand or I have 150. What are some of those investments that, again, realize that we're being generic and there's a reason you have to be generic is because there are rules that financial planners, advisors, CPAs have to abide by. in general terms, Derick, what are some of the ways that   Derick Van Ness (15:25) Mm-hmm.   The Dental A Team (15:45) you found to generate higher levels of wealth? We're putting more money into the equation, but what's the equation that's going to get it? And again, I know this is very, I would say like vanilla. We're just talking very much basic.   Derick Van Ness (15:56) Yeah, yeah, I'll just   give you the principles, right? The philosophy behind it. One of the things is we always, all of our lives we've heard diversify your assets. Diversify, diversify, diversify.   The Dental A Team (16:06) all weather portfolio, Ray Dalio, right? Like you got to get it everything, have it all. What is it like? think eight uncorrelated assets or something like that is what it should be. Anyway, there you go. Okay.   Derick Van Ness (16:09) Yep.   8 to 16 non-correlated asset   classes. Yep. And the idea here is this. It used to be that you could put your money in the stock market. And each individual stock did its thing based on what its performance was. Since the late 90s, early 2000s, everything's kind of gotten grouped together. Almost everybody just buys the S &P 500 or just buys index funds, which is basically the whole market.   And so if you look at the top five stocks, which are usually the Google, Apple, Tesla, Nvidia, depending on one or two others, ⁓ whatever they're doing is usually what the market's doing, right? It all has a tendency to ebb and flow together because it's all been chunked together. So I don't see those all as different asset classes anymore. How I personally invest, I'm not saying you need to buy into my ideas, but so you can have money there. But then I do think you want to have money in other things.   that maybe aren't tied to the stock market. Maybe you've got some oil and gas. Maybe you've got some farming communities in Central America. Maybe you've got someone who's doing senior living homes, someone who's developing all these empty office buildings. And they're all tied to different things. So that way, if the stock market takes a dump and goes down, that's not all your portfolio. Maybe it's 15 or 20%.   if real estate takes a hit. Yeah, your real estate takes a hit, but maybe something else does well. Having things in your portfolio that if some of them struggle during inflation, some of them do well during inflation, right? Things like gold that holds its value. And so the idea is to be able to put your money to work in a way where it's in a bunch of different buckets that aren't all tied to the same thing. And what that really creates is stability, right? And why that's so important is when you're growing your money,   The Dental A Team (17:46) Mm-hmm.   Derick Van Ness (18:09) You can have the ups and downs a little bit, but when you go to start pulling money out, the volatility, the ups and downs are what really kill your ability to pull money out, because you have to always protect against the downside. And it's why if you look at the market historically, it'll go up, depending on who you ask, 6 to 8%. But when you're pulling money out of the stock market in retirement, the numbers say sustainably over the long term, you can only pull 3 to 4%. Why is that? You would think, ⁓ I can pull.   The Dental A Team (18:21) Mm-hmm.   Right.   Derick Van Ness (18:38) six to eight, but it's three to four because of the volatility. If you are counting on that, it crashes that year and you sell. Then when the market recovers, you have less money to recover with. And over time that stacks up. So the idea there is to work with someone who has the ability to put you into different asset classes, help educate you. This also gives you a chance to try different things. So you can start to get that seasoning we were talking about and learn how money really works because   The Dental A Team (18:43) Right.   Derick Van Ness (19:09) You know, money, health and relationships are the three things that really dictate the quality of your life. And it's funny, we don't spend a lot of time in them in school, right? And so, ⁓ so it's something you have to learn, just like if you don't learn how to take care of your health, you suffer. If you don't learn how to have good relationships, you suffer. And money is another thing. All of those you can get help with, but at the end of the day, you have to be able to be competent enough.   to get the results you want. And money is just one of those things.   The Dental A Team (19:40) Yeah. No, Derick, that's a, think it's such a good way to look at it. And I will say, I was very much a baby investor and I think I still would qualify myself as pretty naive. But it is, they say like, I don't know, what is it? The eighth wonder of the world is compound interest. And it's crazy because when you start out and you just get started on your investments, it feels like this is stupid. At least I have, I've so told many financial advisors, feel like they like,   Derick Van Ness (20:04) Mm.   The Dental A Team (20:07) money monster. So it's like the cookie monster. Like I give my money to you. I never can get it back. I have no clue how to access this money. And then you start to see it and you're like, wow, that started to compound and this started to become different. And we had our first year with it. We didn't have to write such a large check to the IRS and done legally and ethically. And I was like, wow, this is a very different world that I'm living in than I have been. And it wasn't as hard as I thought. And so I, like you said, I do feel like you're   Derick Van Ness (20:11) Yeah.   The Dental A Team (20:33) comfort level and they do say that women tend to be better investors than men because women, we just put money in, we give it to you. We're like, here you go. We don't ever like go check it and watch the stocks. Stocks. Whereas men are like, cons I'm like looking at those stocks, like my husband checks it like 10 times a day. And I'm like, just don't even look at it. Like I don't even, it's the cookie monster, the money monster. You take the money. I know you haven't like taken it. People get angry with me. They're like, Kiera, we can't legally take your money. And I'm like, no, but I just have no clue how to access it. They're like you email. And I'm like, I know.   Derick Van Ness (20:44) Right.   Yep. In your brain, right?   The Dental A Team (21:02) but it like stocks and then I got to pay taxes and I don't understand any of it. But I will say, I think it's like PNLs, the language of money, the language of investing. It's a skill that you are learning. And I do agree, the younger you can learn this, the more time you have to recover if you make mistakes and versus having to be perfect later on in life. So I really very much subscribe to your model of thinking. And I love that. I love that you've talked about taxes, how to save, how to get it into   Derick Van Ness (21:11) Mm-hmm.   The Dental A Team (21:31) Again, I remember I sat in a Tony Robbins wealth mastery thing. Ray Dalio was in the room. had no clue who half like Paul Tudor Jones. I think that's his name. Like so freaking smart. I had no clue who these people were. And like here you've got like five billionaires sitting in the room with us. And I was like, I had no clue. And they start talking about this stuff. And I feel like an idiot, but I will say it's an idiot that I love to be because the more I learn about the more I'm involved in it, the more you expose yourself, the more you learn how it works.   Derick Van Ness (21:38) John Paul Tudor, yeah.   Yeah, I remember.   The Dental A Team (22:00) And I think like what you're saying, Derick, I just hope people talk to your financial advisors, get your uncorrelated assets, start building that portfolio because time, like they say, you only have so much time and the best time to plant a tree was like a hundred years ago. The next best time is today. And I just, I don't want to be that person when it comes to my portfolio where I wish I would have started. All of us will wish we started sooner, but I am grateful that we started as young as we were and are building it the way we have versus   Derick Van Ness (22:23) Yes.   The Dental A Team (22:28) waiting until like, and I don't care if you haven't started then start today. If you've been doing it, figure out how you can do more. ⁓ But I think Derick, I have a question of, I always live in scarcity. So what do you tell a client like myself where I'm always afraid that I'm going to run out of money. I don't know where it comes from. It doesn't matter how much I have. I have acorns upon acorns upon acorns. I swear like you've probably can find money in my couch. I'm not that bad. I don't have it in the couch, but like,   Derick Van Ness (22:32) Yep.   The Dental A Team (22:54) How do you get to a level where you feel comfortable spending money rather than just always saving for retirement and not living today? What's the balance of that?   Derick Van Ness (23:03) Yeah, so what I've discovered working with over 2,500 people on all of this, Kiera, is like money problems don't like quote unquote go away. They just change. In the beginning, it's like, how do I make money? I don't have enough money. How do I manage the car payment or whatever? Then you make a little bit more and you're like, okay, now I'm past survival. Like, how do I start to grow? Right? So you invest in yourself, your business, your education, whatever. Then you start to grow some more.   Then you start saying, okay, now I'm growing and I'm making money and I'm living a decent life, but how do I build for the future? So it's not just the now, then it's the future, right? And then what happens is you definitely get to a point, at least I've seen this for myself and a lot of clients is you start to make a good amount of money and the problem becomes how do I make sure that this doesn't ever go away?   Right? Like now I'm living this really good life and I can travel and I can spend time with family and I can do the things that I want to do. And I can buy nice clothes or go to nice dinner or do nice things for my kids or whatever your thing is. And I don't have to think about money. But then there's this fear of like, what if I lose that? Right. And going back. And so the money problems just change. I believe it's an instinct that's built into us. Like the monkeys that ate bananas and then just stopped worrying and didn't hoard them.   ended up dying faster than the ones that hoarded them, right? And so, like, I think it's an instinct to be paranoid, to be fear-driven, and that's where we have to, as humans, understand our wiring and say, my wiring is for survival, not for happiness and fulfillment, right? Because survival is what reproduced. Happiness and fulfillment, especially in a scary world of survival, ⁓ doesn't do very well.   The Dental A Team (24:27) Sure.   Derick Van Ness (24:52) Right? So, so we have to try to rewire our brain as much as we can. ⁓ And I think the biggest thing is to focus on a big future, a big vision. When you're moving towards something, then you're not focused on moving away from something. When you're in fear, you're, moving away from something. I'm moving away from failure. I'm moving. I'm trying to avoid losing money. I'm trying to avoid running out, trying to avoid making a mistake. You know, this about business ownership, like you can't avoid the mistakes. You just try and minimize them.   and learn from them as fast as you can. Like making mistakes is part of success and nobody says it that way, but I think it's really, really important to get that. And when you're moving towards something, you're in abundance, you're in striving, you're in goal oriented, whatever your thing is. And that doesn't have to be about money. That could be, I wanna be a great parent. I wanna get in better health. I wanna have more free time and make the same money.   So this isn't like just a money conversation, but when you're moving toward those, you have a tendency to lose your fear. I think it's when we aren't sure where to go next that we get afraid of losing ground and we do that. And so I think sometimes it's just a matter of clarity and reminding yourself, where do I want to go? What am I building? Like once you get past a certain point, like, you know, once you get past a certain amount of income or a certain amount of wealth, it's not about money anymore.   Right. It's really about contribution. It's about impact. And I think when we, our mind can really only focus on one thing at a time, especially as men, ⁓ women are much better at seeing the big picture. ⁓ But, but really when you're focused on something that holds your attention and then it doesn't drift to some of the other stuff as much, it doesn't mean you won't. Cause I'll tell you, I'm at my most vulnerable when I wake up in the morning and my brain starts doing payroll and all these other things. And like you said,   The Dental A Team (26:26) you   Derick Van Ness (26:47) I have enough cash stored away that I could not make a dollar for a year and still pay for my whole business and do the whole thing and be fine. But that doesn't mean that that instinctual part of me doesn't freak out for a minute until I come in and say, hey, we're building massive things. We're changing people's lives. Let's just focus on that and let the rest take care of itself. That really is the best thing for me is to focus on where I'm going, not where I'm afraid I might end up.   The Dental A Team (27:15) Absolutely. I   think that was good. Good wisdom there. You are the person, if you guys have heard me talk about it on the podcast, this came from Derick. He's the one who's told me it's a return on emotion, not necessarily a return on investment and like what helps you sleep at night, what helps you stay there. And I love that you talked about like it is a survival instinct. It's not a bad instinct. so loving that side, but also tempering it so that way we can enjoy the fulfillment. And again, I also think that there becomes confidence in yourself. I think enough.   enough business crashes, enough mistakes, enough things where you come back from it also teach you that there's certainty within yourself that no matter what comes your way, ⁓ you know that you'll be able to survive it, you'll be able to come. Someone told me once, it's not unsafe, it's just uncomfortable. Unless someone's running at you with like a knife and it's truly life threatening, it's like if the stock market crashes, that's like we're still safe, it's just going to be pretty dang uncomfortable for a little bit. If we become bankrupt,   Derick Van Ness (27:47) Mm-hmm.   Mm-hmm.   The Dental A Team (28:13) We're not unsafe, we're just uncomfortable. And that has given me a lot of, I think, temperance on when you think about finances, like that'd be uncomfortable, but I am still safe and I would still be alive and we can come back and we can figure things out. So Derick, I know we wanted to pivot gears and talk R &D credits, because this is something that's new. yeah, let's kind of chat that because I think we've gone through tax strategy, building wealth mindset around ⁓ how to maintain and have that.   Derick Van Ness (28:30) Well, yeah, we'll keep it short here.   The Dental A Team (28:42) return on emotion and building those skills. And I really love that you just said money issues don't ever go away, they just change shape. And I think that that's the same as business, right? Business problems just become a different flavor and different color. ⁓ But now let's talk about like some R &D credits because we've talked about R &D. I've seen several clients do very well on R &D credits. So was excited to hear like, they're back and they're back again, and they look a little different. So I'm excited to hear if you guys don't know what they are, Derick will definitely explain them and how you can.   Derick Van Ness (29:02) Yep.   The Dental A Team (29:08) Dental practices are ripe for the picking of R &D, it's exciting to have a resource for dental practices.   Derick Van Ness (29:15) Yeah, dental practices really are because the R &D credits are designed when you do new things in your business that are based in technology. And that could be computer science, engineering, biological science, or physical science, like chemistry, ⁓ which dentists are doing all of that stuff. So when you do new stuff in your business, the government realizes you're taking a risk. You're trying a new implant system. You're trying a new ⁓   a new type of diagnostic, you're trying a new flow for your patients, whatever. Sometimes it blows up in your face. I everybody listening here has tried a new piece of software and after six weeks you wanted to throw the computer out the window and you're like, we're going back to the other one, we got to find something else, right? ⁓ Or we tried 3D printing and it was just really, really hard and like some people love it, some people hate it. But at the end of the day, every time you take that risk, the government knows that you could lose money.   The Dental A Team (29:57) Totally.   Derick Van Ness (30:11) So the R &D credits are really their effort to say, don't stop innovating. Don't stop trying to get better. We know you're going to take some skin, knees, and elbows along the way. And we're willing to give you some credits to help with that. so ⁓ dentists, like dentistry is moving so fast. I don't have to tell the listeners that. There's new stuff every single quarter, every single year. Five years ago, everybody was getting crowns to be milled. Now they're 3D printing teeth and doing all, you know.   digital scans and all the other stuff and pretty quick here, think we have robots doing surgery. I don't necessarily want to be the first person to try that, but.   The Dental A Team (30:45) Yeah, me neither. I'm like number   like 200,000. I'll try it at that point. I'm usually like number two jumping off a cliff if the first person's alive, then I'll jump. Unlike innovative robots, I only have 28 teeth left, so I'll just let them practice a bit more before they come to me. It's okay. Stick with the drill and fill. Yeah, the drill and fill, I'm okay with it. It's all right. It's better.   Derick Van Ness (30:51) Yeah.   Yeah.   Yep.   I'll just pay a little more for the people.   Yes. so effectively, most dentists just don't realize they're qualifying for these credits. And so what we try to help them do is we do a free estimate to help you understand, OK, let's go through the different things that you did in your practice. It takes maybe a half an hour to identify the different things you've done. And right now, there's a window. And this is why we wanted to talk about this today, that closes on the 4th of July of 2026. So we've got about three or four months left.   where you can go back and you can file for 2022, 2023, and 2024. I don't want to bore everybody, but effectively when they did the 2017 tax rewrite, the first Trump tax rewrite, it broke the R &D credits in 2022. You could file for them, but the downside was bigger than the upside, so it wasn't worth doing. Now, they kind of did that on purpose to balance the budget, and they thought, oh, we'll change it before 2022, and then COVID happened, so they never changed it.   So it got broken. So they came back and they fixed it and said, hey, you guys can go back and claim this, but you really only have until the 4th of July. So they gave us one year to do it. ⁓ And so it's a big opportunity, a big window right now where you can get three years worth of credit. So you can literally go back. The government will send you a check for taxes you've overpaid, and you can get that money back. I won't tell you the IRS is really fast at processing this stuff, but they do get to all of them.   The Dental A Team (32:23) Wow.   No.   Derick Van Ness (32:34) And the checks come in, and we've done over 1,000 of these for clients. So it's definitely a legit thing. And the credits have been around since the 80s. They became a permanent part of the tax code in 2015. So they were kind of new. They've been around about 10 years. But the first couple of years, nobody knew. then over the last couple of years, they've become more and more popular. But then they kind of screwed them up in 22 through 24. So the reason I wanted to talk about them is if somebody is a dentist, they're not claiming these credits. But they are doing.   The Dental A Team (32:38) Wow.   Derick Van Ness (33:04) Innovative things upgrading equipment trying new software trying new techniques new implant systems new Diagnostics, whatever you probably got all these credits sitting there. You don't know about and It's worth getting a free estimate to see what's on the table. Yes You do have to amend your taxes, which is a very small pain in the butt But your total time into this should be an hour or two, which is really a short conversation You send over tax returns ⁓ A team like ours would give you an estimate   And if it seems like it's worth doing it, then you do it. You just let them do their thing and you write the check for the fee, right? So it's pretty hard to beat bang for your buck hour for hour. And like I said, for a lot of practices, it's between 1 to 2 % of your gross revenue. This is not a quote. This is just like what I've generally seen. So if you have a million dollar practice, it's probably 10 to 20 grand a year if you're doing these types of things. I mean, I have some. We just did a doctor who's got   Six offices they're getting almost a half a million dollars back right it can be it can be major and Doesn't take him any longer than to take someone with one office so you know it's it's just a big window of opportunity that I wanted to try and squeeze in here and People who haven't done this or unaware. It's like hey, we got a big opportunity and you can do this for 2025 moving forward every year. It's it's back indefinitely and so my hope is   The Dental A Team (34:07) It's incredible.   Derick Van Ness (34:32) People can do the catch up. And then from here forward, you don't even have to amend. You just party your tax return. You just don't pay the taxes. Just like you depreciate equipment or anything else and just get the tax break, the difference is tax credits are dollar for dollar. So if you get $10,000 tax credit, it's just $10,000 you don't pay in taxes, not a $10,000 write off, which might be worth $3,000 or $4,000.   The Dental A Team (34:40) awesome.   Mm-hmm.   Totally. No, and I think Derick, I'm so glad you brought this up. And at first I was creeped out by you. I'm not going to lie. Like when you first started talking about it, was like, are these like, I don't know, what are they called? The opportunity zones. And like, I heard a lot of people got their shorts burned on those. And I was like, do I even put this on the podcast? But I will say, Derick just said he's done thousands of them. They have had great success. I have seen clients tell me, thank you. So that's why I wanted Derick to come on because any client that comes from Dental A Team does get preferred.   Derick Van Ness (35:03) you   huh.   The Dental A Team (35:26) I don't know treatment. don't know what you guys do, but I do know that there's, ⁓ you guys get, you just said you get pushed to the front of line. If you mentioned you heard on Dental A Team podcast, we also have a link with big life financial. I'm pretty sure Derick, if I remember right, I'm pretty sure we do. ⁓ but definitely wanted you guys to have that, especially with a closing in July. And it's something where I love that Derick will just like, he's met with me and my husband several times to talk about multiple things. Derick is non pushy. And I appreciate that about you, Derick. You ⁓ educate.   Derick Van Ness (35:27) Treatment, yep, yep, front of the line.   We do. Yep.   The Dental A Team (35:56) and then give people the information and then you're to make the decisions on your own. So I think like, why not? Why not reach out to Derick? Why not just like see what it looks like? And then you have their resources. They're not going to file unless you want them to. You don't have to break up with your CPA if they file for you. I'm pretty sure. Is that right? Like you don't have to switch.   Derick Van Ness (36:09) Correct.   No, no, yeah,   you don't have to. We can amend it for you. But in a lot of cases, it makes sense to just have your CPA do it. They've got all your information. So but we can handle it either way.   The Dental A Team (36:25) So I think like on that, I just feel it's very much worthwhile. And I know Big Life Financial does a lot. do. I'll let you like take it because I know you guys are added to more services. But I think like if nothing else, we want to have the call to action of like, just look into the R &D credits. Like I said, I have seen multiple checks go to practices. They have not been audited. ⁓ Things have gone very smoothly for them. I was skittish. But I mean, Derick, we've been talking about this, I don't know, almost five years now, if not longer, that we've been telling practices about it. So.   Derick Van Ness (36:52) Yep.   The Dental A Team (36:54) very excited, but Derick, kind of tell about the makeup of what Big Life Financial is and then how people can reach out to you, especially in particular to the R &D credits.   Derick Van Ness (37:04) Yeah, so for the R &D credits, just go to, it's just BigLifeFinancial.com So BigLifeFinancial.com/DAT D-A-T right? Dental A Team. And all you got to do is just set up a time there to talk with myself or someone on my team. It's like a 15 minute call. And we'll just screen it, see if it makes sense. Beyond that, we do offer full service taxes if for some reason you're looking for tax breaks or you feel like you're, for one reason or another, you need to make a change.   then we can do that. We do also work with an RIA. So if you're looking for some of these investments that might have tax breaks or other diversification or whatever, we have those capabilities as well. So we really try to be front to back like what we call like a family office or a fractional family office, which is what the super rich people have. They just have an attorney and a CPA and a   Uh, an insurance guy, an investment guy, or probably 10 investment guys who all just work for them. Obviously most people can't afford to have an entire team that just works for them. So we work with a limited number of people, but we have a coordinated team that way. And, and it's taken me like 10 years to find the right people to do that. That's, that's really it because the Uber wealthy have those people, the people who are making 50 or a hundred thousand bucks a year, they don't need it. We really work in this sweet spot where a lot of people make.   300,000 400,000 on the low end to 2 3 million on the high end. And they're kind of in between, not rich enough to have the team that's all working together all the time, but rich enough that you really need it. Like this segment of the population is the one that just gets crushed on taxes. ⁓ And so we're really doing our best to help minimize that. So that's why we work so much with dentists and doctors.   The Dental A Team (38:56) That's amazing. I love that Derick. And I think for everybody, it was BigLifeFinancial.com slash DAT. We'll be sure to like link that in the show notes and also add it for you guys. But, and Derick, love, I didn't know what a family office was at first. And then I found out hanging out with a lot of wealthy people, what it is. And so for you to provide that, think worth conversations ⁓ and definitely appreciate the insights today. It was a really fun episode. I'm glad we got back together. It's been too long. ⁓ And like truly guys, just reach out.   Again, I would do it as exploration. would do it as like, just find out anytime I hear things like this, I just go book meetings. It doesn't mean I need to actually execute on it. But I think again, learning the language of business, learning the education, seeing if it fills right for you. Now you can ask a million people, but like I said, Derick and I have been doing this for about five years and every client that has been referred to Big Life Financial has gone through, has told me how much they've been grateful for it. So Derick, I appreciate you. Any last wrap up thoughts today as we wrap up today? I appreciate our time so much today together.   Derick Van Ness (39:55) No, I think it's just understanding that part of building wealth is beyond just making income, right? Just making income won't build the life you want to live. Once you earn the money, you got to take care of it. And there's a lot of pieces to that. So whether it's with us or someone else, just take that on for your family's sake. It's not just about making it. It's keeping it and being smarter with it. And if you do that, you're going to be in good hands.   The Dental A Team (40:20) amazing. Well, Derick, thank you so much for being here today. Thank you all for listening. I love what Derick said, like it's not just enough to make the money, we need to figure out how to keep the money and set yourselves up for the great lives that you've been building and to truly have that big life as Derick has described it. So for all of you listening, I hope that today you don't just passively listen, but you actively take action and commit to having the wealth of your life, the wealth of your dreams to have that life that really ⁓   is the life of your dreams. there's a quote from my mirror from when I was little where I said, don't just dream, do. And I think that that's how I'll leave you today. So for all of you listening, thank you for listening and we'll catch you next time on the Dental A Team Podcast.

Updated with the correct link! America's Next Top Model was our early-2000s obsession—until the rewatch era exposed disturbing content hiding in plain sight. Natalie talks to pop-culture journalist Bridget Armstrong, host of Curse of: America's Next Top Model, about Tyra Banks's role, the show's most disturbing moments and why “winning” the series didn't mean a modeling career. Click ‘Subscribe' at the top of the Infamous show page on Apple Podcasts or visit GetTheBinge.com to get access wherever you get your podcasts. Find more great podcasts from Sony Music Entertainment at sonymusic.com/podcasts  Read Vanessa's book, Blurred Lines: Sex, Power and Consent on Campus, and check out Natalie on Instagram at @natrobe To connect with Infamous's creative team, join the community at joincampsidemedia.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Is your golf swing stuck in the past? In Part 3 of "The Rebuild," I'm back in the bay with Quinn Vilneff, Class A PGA of Canada Professional at Gowanus Golf Club in Vancouver. We've fixed the chipping issues, so now it's time to tackle the full swing. The one that's been holding me back for years. If you struggle with pulls, wipey fades, or feel like you just can't compress the ball, this lesson is for you. Quinn breaks down why my 61-year-old baseball background is fighting my golf swing and gives me three simple, actionable feels to finally get my sequencing right. We go deep on Smash Factor, Center of Mass, ground reaction forces, and the "kinematic sequence," but Quinn makes it simple. The result? I gained 15+ yards with my 7-iron almost instantly just by moving my body differently. Are you more of a watcher than a listener? Then why not watch this episode on The ModGolf YouTube channel! ---> https://youtu.be/YKW9Nqjhw24 or click on the image to add some video to the sounds and words. Episode Chapters 0:00 - Intro: From Short Game to Full Swing 1:30 - Smash Factor 101: What Rory's Driver Controversy Teaches Us 4:45 - The BIG Diagnosis: ** Where is My Pelvis at Impact? **8:15 - The "Dipping" Problem & Trail Leg Extension 10:00 - The Mountain Analogy: Why Your Old Swing Never Dies 13:30 - Golf Swing Sequencing Explained (Hands → Arms → Shoulders → Hips) 16:45 - The "Bump" Drill: Getting Left Sooner 20:30 - Ground Reaction Forces: Using the Ground Like a Pro 24:15 - Creating Space: Why Your Hips Are Blocking Your Swing 28:00 - ** The "Third Grade Bump" Live Drill **31:00 - Exaggeration is Key: Rehearsing vs. Swinging 35:00 - 7-Iron Results: The Launch Monitor Doesn't Lie (+15 Yards!) 39:00 - Preseason Drill: The Yoga Ball Move (Indoor Training) 41:00 - Part 4 Preview: The Driver (The Club I Dread) What You'll Learn in This Golf Lesson: • The real reason you flip or scoop at impact (and how to fix it with your body, not your hands). • The simple "Trail Leg Extension" feel that stops you from dipping down. • How getting your center of mass in front of the ball changes your club path instantly. • The one indoor winter drill to improve your swing sequence without hitting balls. • Why golf fitness (with Cameron Barkley) and golf instruction must work together for all golfers, but especially for older ones like me. RELATED VIDEOS & RESOURCES

Posting on social media can build your diary when done the right way and so in this episode, you'll hear about what therapists commonly think and do when posting, understand why it doesn't work and discover what to do instead that does. This approach doesn't require ick, pitching, link sharing or cold DMing strangers, in fact, it does the opposite; it's a way to attract the right people to your practice without doing things you don't feel comfortable about. I hope you like it and find it useful.  How to get clients from social media for my private practice? Post less often and swap the time you're spending posting for interacting with others online Why doesn't posting on social media work for therapists? Facebook has an average view time of 1.7 seconds for posts on business pages and Instagram has an average view time of .7 seconds for a therapists static post. Basically, your posts rarely get seen. That's why swapping posting or doing less of it and instead focussing on interaction with your ideal client is more effective How long does it take to get clients by posting on social media? In our industry, the answer is in how long does it take people to feel like they KNOW you, that they RESONATE with you and that they can TRUST you? If you interact with people online in a way that allows them to feel like they're get a sense of who you are, that they align with you and that you know what you're doing, it'll take a lot less than if you continue to post random things. Some people get results faster than others. It takes time to trust someone enough to feel like you can open up and share intimate details about your mental health.  Why isn't posting on social media working for me? If you're interacting with people on social media as opposed to putting up posts about vague, general or even random things that don't appeal to your ideal clients, if you're not interacting with them and getting to know them and them you, you've got a problem. Also, you don't know that it's NOT working for you. There's a good chance you're focussing on the wrong metric. If you're assuming that posts equal bookings and you're not seeing bookings, that's your mistake right there. What's probably happening if you're using social media the right way, is that your ideal clients HAVE found you, they are watching you and listening, they are reading your posts and they are developing trust. It takes time. How long would it take you to feel like you could trust someone enough to open up to and be vulnerable with about your mental health? An absence of a booking, or a follow or thumb or heart or comment does NOT mean it's not working. Keep going. 

Steve invited Keith Foskey to have a chat and work through 15 questions about his faith. In this episode you'll learn about the reasons for why Foskey holds these various views. We hope it challenges you in your own thinking behind your own views. Also, Keith is a comedic fellow (who occasionally does stand-up Christian comedy) so we hope this episode is good for a few laughs! Chapters: 0:00 Coming Up Next 0:17 Introduction (Begin More Thorough Questions & Answers Section) 1:11 Question #1 Are you Calvinist, Arminian or Molinist? 3:37 Question #2 Credo-Baptism or Paedo-Baptism? 12:00 Question #3 Eschatology? 14:48 Question #4 Young Earth or Old Earth and Why? 18:00 Question #5 Sabbath or Lord's Day? 19:52 Question #6 What About the Gifts? Continuationism or Cessationsim? 25:19 Question #7 Egalitarian, Complementarian or Patriarchal? 30:30 Question #8 Theological Triage, where should Female Pastors go as an issue? 33:16 Question #9 Regulative Principle or Dancing Bears

The Prime Minister has been forced to correct the record once more on a matter related to the Middle East - prompting the Greens to claim he's out of his depth. Except the Greens have made a mistake themselves this week too. Deputy political editor Craig McCulloch spoke to Lisa Owen.

You can yell all you want, but one thing will help your child make a change.  It's called, "accountability".  That one word helps a child build character and self-esteem.  

Most people study history the Western way—as a scoreboard of power, profit, and empires—then wonder why it never helps them make sense of today. The speak expertly reveals that there's only one way to truly... The post The Correct way to study History first appeared on Islampodcasts.

Pastor David-Dee Bhungane: Great Value Part-1. Correct values produce a great value. In this message you will learn how to develop set of values that will help you to become a person of great value. May you be blessed by this message and share. God bless you.

Most people study history the Western way—as a scoreboard of power, profit, and empires—then wonder why it never helps them make sense of today. The speak expertly reveals that there's only one way to truly study history where history is guidance, not trivia.

See omnystudio.com/listener for privacy information.

Parenting is an impossible task, and God knows this. We don't need to be perfect. We can do three things today to love our children well and do our job as parents:1. Make time for them. 2. Correct them in love (discipline)3. Point them to Christ.Show Notes: https://bit.ly/46DuXCp 

The Church is in deep trouble because we don't have the correct mission view. We're failing to see the bigger view, and therefore failing to be mission effective. Using my experience as a US Army combat veteran and now Christian prophet, I will help you to get the correct view.SUBSCRIBE TO THE CHANNEL: https://www.youtube.com/@TheCombatChristianTRIVITA:Use my TRIVITA link to get started on your wellness journey: https://bit.ly/HealthyChristianCovenant Eyes: If you want to protect yourself and your loved ones from the dangers of p*rn, get Covenant Eyes: https://bit.ly/Restore-CovenantUSE CODE RESTORE30 at checkout to get your first 30 days FREE when you use the link ✅Other ways foryou to support the ministry:

Brad Evans and Pat Boyle discuss today's notable news in the NFL, as the Indianapolis Colts use the rare transition tag on Daniel Jones, debating if they agree with the team's logic to likely run it back with the veteran Quarterback in 2027.

Episode 89 From An Essay on Man by Alexander Pope  Mark McGuinness reads and discusses an excerpt from Epistle II of An Essay on Man by Alexander Pope. https://media.blubrry.com/amouthfulofair/media.blubrry.com/amouthfulofair/content.blubrry.com/amouthfulofair/89_From_An_Essay_on_Man_by_Alexander_Pope.mp3 Poet Alexander Pope Reading and commentary by Mark McGuinness From An Essay on Man Epistle II By Alexander Pope Know then thyself, presume not God to scan;The proper study of mankind is man.Placed on this isthmus of a middle state,A being darkly wise, and rudely great:With too much knowledge for the sceptic side,With too much weakness for the stoic's pride,He hangs between; in doubt to act, or rest;In doubt to deem himself a god, or beast;In doubt his mind or body to prefer;Born but to die, and reasoning but to err;Alike in ignorance, his reason such,Whether he thinks too little, or too much:Chaos of thought and passion, all confused;Still by himself abused, or disabused;Created half to rise, and half to fall;Great lord of all things, yet a prey to all;Sole judge of truth, in endless error hurled:The glory, jest, and riddle of the world! Go, wondrous creature! mount where science guides,Go, measure earth, weigh air, and state the tides;Instruct the planets in what orbs to run,Correct old time, and regulate the sun;Go, soar with Plato to th' empyreal sphere,To the first good, first perfect, and first fair;Or tread the mazy round his followers trod,And quitting sense call imitating God;As Eastern priests in giddy circles run,And turn their heads to imitate the sun.Go, teach Eternal Wisdom how to rule –Then drop into thyself, and be a fool!   Podcast Transcript In the early 18th century, Alexander Pope's poetry was known to every cultured person in England. He was a fashionable, successful, wealthy writer and the preeminent poet of his age. He was also a canny businessman who published his translations of Homer via subscription, an early form of crowdfunding, and they sold so well he built himself, an extravagantly large villa in Twickenham – and its famous subterranean grotto still exists today. His political satires were so sharp and topical that he was rumoured to carry a pair of loaded pistols when going for a walk, in case one of his targets took violent exception. Phrases from his poetry are still proverbial: ‘hope springs eternal', ‘Fools rush in where angels fear to tread', ‘a little learning is a dangerous thing', ‘To err is human; to forgive divine', ‘What oft was thought but ne'er so well expressed', and also the title of the movie, ‘eternal sunshine of the spotless mind'. But these days, Pope has really fallen out of fashion. He's seen as archaic and artificial. In an age when formal poetry is out of fashion, for many people he represents the worst kind of formal poetry: his very regular metre and full rhymes sound clunky to our ears. His rhyming couplets are undoubtedly clever, but that's part of the problem, because these days we associate poetry with emotions and self-expression, so cleverness is seen as a little suspect and somehow inauthentic. And I'll be honest, for a long time, I had that image of Pope. He represented everything the Romantics rebelled against at the end of the 18th century, and as a young poet I was on the side of the Romantics, so I had no interest in Pope. However, a few years ago, I challenged myself to have another look at his work, and what I discovered was a really sharp and thought-provoking and witty and formidably skilful poet, who in certain moods, is an absolute pleasure to read. And he doesn't fit every mood, but then there aren't many poets who do. So turning to today's poem, An Essay on Man is one of Pope's major works, it's about 1,300 lines long. As the title suggests it's a meditation on the nature of what he called mankind, and we call humankind, we have to make allowance for the historic focus on the male as representative of the species. It's also a didactic poem, he's not just reflecting on the subject, he is telling us what we should think about it. Which again, is a deeply unfashionable stance for poets these days, at least when they are on the side of a conservative or establishment position. And he does this in the form of a series of verse epistles, verse letters, which are addressed to Henry St John, Viscount Bolingbroke. The epistle form also means that the poem addresses the reader in a very direct manner, as you would expect in a letter. His basic stance, which we find in many of his poems, is of a reasonable man writing for a group of like-minded people, trying to establish some sort of common sense, shared ideas and principles, in a world where these need to be debated and defined and defended. This was the world of the coffee house and the salon, where people came together to debate, sometimes in very robust fashion. It came to be known as the Augustan age in English literature, by comparison with the satirical and political poetry of the age of Augustus Caesar. OK looking more closely at the poem itself, the excerpt I just read is from the second Epistle, and one of the first things we notice is what Milton would have called the ‘jingling' rhymes: Know then thyself, presume not God to scan; The proper study of mankind is man. Placed on this isthmus of a middle state, A being darkly wise, and rudely great: With too much knowledge for the sceptic side, With too much weakness for the stoic’s pride, It's pretty unmistakeable isn't it? One pair of rhymes after another. And in case you're wondering, yes, these rhyming couplets do go on all the way through the poem, and indeed all the way through most of Pope's work. And not just in Pope: for over a century, from about 1650 to 1780, this was a hugely popular verse form. They are known as heroic couplets because they are associated with epic narrative poems, such as John Dryden's translations of Virgil and Pope's translations of Homer. Each line is in iambic pentameter, the familiar ti TUM ti TUM ti TUm ti TUM ti TUM, with two lines next to each other forming couplets, and the poem proceeding with one couplet after another. The form can be traced back to Chaucer, who used rhyming couplets for many of his narrative poems. But by the time of Dryden and Pope it had evolved into a tighter couplet form, described as closed couplets, meaning that they were typically self contained, with a sentence, or a discrete part of a sentence, beginning and ending inside the couplet. For instance: Know then thyself, presume not God to scan; The proper study of mankind is man. That stands on its own as a single thought, a unit of sense, ending with a full stop. And the full rhyme of ‘scan' and ‘man' means the couplet snaps shut at the end – this is the closed couplet effect we associate with heroic couplets. In the next couplet he introduces the idea of man as a creature of ‘middle state': Placed on this isthmus of a middle state, A being darkly wise, and rudely great: And then another couplet elaborates on the sense of being pulled in different directions: With too much knowledge for the sceptic side, With too much weakness for the stoic's pride, So the poem proceeds one unit of sense at a time. The couplets are like Lego bricks, and Pope used them to build just about anything he wanted: literary and philosophical discourse here in the Essay on Man and in his Essay on Criticism; mock-heroic social comedy in The Rape of the Lock; actual epic in his translations of the Iliad and the Odyssey; and satire in The Dunciad. It's easy to see how this could become monotonous, and in the work of most poets of the time, it did. But Pope's great achievement was to take this established form and perfect it, sticking very strictly to the formal pattern, while varying the syntax, the grammatical patterns, with great subtlety and complexity, to keep the reader on their toes. Let's take another look at the first couplet. Notice the little pause in the middle of the first line, after ‘thyself': Know then thyself, presume not God to scan; This divides the line into two parts, conveying the dramatic tension in Pope's argument: he's saying that humans are ambitious for knowledge, they want to ‘scan' God, to examine him, but they should really focus on self-knowledge. This tension between opposites is known as antithesis, it's a rhetorical pattern we looked at back in episode 58 about one of Sir Philip Sidney's sonnets, and it's very common in Pope. And the tension is resolved in the next line, which is all one phrase, with no pause: The proper study of mankind is man. Have another listen to the couplet, to hear how the tension is established and then released: Know then thyself, presume not God to scan; The proper study of mankind is man. So when all of this comes together, the tension and release, the regular rhythm of the metre and the full rhymes clinching the couplet, it has the effect of making the words sound truer than true. The following couplet picks up on the antithesis, and extends it into paradox: Placed on this isthmus of a middle state, A being darkly wise, and rudely great: An isthmus is a narrow strip of land between two bodies of water, so standing on it, you could easily feel precarious and threatened. ‘Darkly wise' means ‘dimly wise', possessing a little knowledge, but not enough for full understanding. And ‘rudely great' means ‘powerful but coarse and unfinished'. And I think we can recognise what Pope is saying from our own experience – that sense of knowing enough to know how little we really know; of having great potential, but struggling to fulfil it. And isn't it delightful how Pope compresses all those feelings into these neat little paradoxes: ‘darkly wise and rudely great'. In another famous line, he describes true eloquence as ‘What oft was thought but ne'er so well expressed', which is exactly what he achieves here. We can also note that ‘darkly wise' and ‘rudely great' are not only antitheses expressed as paradoxes, they are also an example of another rhetorical pattern: parallelism, where similar structures are repeated with variation. In this case ‘darkly' and ‘rudely' are both adverbs and ‘wise' and ‘great' are both adjectives, so grammatically they are identical, which suggests both similarity and difference in mankind's relationship to knowledge and power. The next couplet uses a more elaborate parallelism: With too much knowledge for the sceptic side, With too much weakness for the stoic's pride, So both lines say ‘With too much something for the something else'. It's hard to miss the pattern, isn't it? And notice how the couplet form is perfect for laying out two ideas that seem to counterbalance each other perfectly. So we're only six lines in and Pope has put his finger on a central conundrum in human existence, and conveyed it with at least three rhetorical patterns nested inside each other – antithesis, paradox and parallelism. Not only that, he's handled the metre and rhyme with great skill, wrapping each thought up in the neat little bow of a rhyming couplet. And if your mind is starting to boggle, welcome to the world of Pope's verse: elegant, authoritative and very, very clever. When we look closely, there's a lot going on inside every single couplet. He's like a watchmaker, working at a tiny scale, making an instrument with great precision and balance, that keeps perfect time, and chimes beautifully. And Pope's contemporaries would have found it easier to follow the sense than we do, because they were used to reading this kind of stuff. But I'm sure the poetry would often have given them pause, even if only for a moment, as they read. And my guess is that they would have enjoyed this slight difficulty, and the pleasure of making out the sense, with the little dopamine hit of understanding. Like unwrapping a sweet before you can pop it in your mouth and taste it. So I hope we're starting to see why Pope is the undisputed master of the heroic couplet. Even T. S. Eliot had to admit defeat, when he wrote a passage in this style for The Waste Land, only for Ezra Pound to point out tactfully that he couldn't compete with Pope, and draw the red pencil through it. But the form is more than simply one couplet after another. When he stacks them together, they create verse paragraphs, longer units of thought, that function very like paragraphs in prose. So having established the idea of man caught between opposing forces, he goes on to elaborate on the theme to dazzling effect: He hangs between; in doubt to act, or rest; In doubt to deem himself a god, or beast; In doubt his mind or body to prefer; Born but to die, and reasoning but to err; Alike in ignorance, his reason such, Whether he thinks too little, or too much: The couplets are individually brilliant, and cumulatively overwhelming, both in terms of the mental effort required to tease out their meanings, and the tension between action and inaction, divine and bestial impulses, mind and body, birth and death, reason and error. And I think that's why I find this line so funny: Whether he thinks too little, or too much: It feels like he's throwing his arms up and laughing and admitting that he's overthinking it all. The verse paragraph ends with three more couplets, where he sums up the nature of man: Chaos of thought and passion, all confused; Still by himself abused, or disabused; Created half to rise, and half to fall; Great lord of all things, yet a prey to all; Sole judge of truth, in endless error hurled: The glory, jest, and riddle of the world! Although Pope is describing a ‘chaos of thought', his own thinking is always sharp, however convoluted his argument becomes. So he sticks to the themes of power and knowledge, undercutting man's pretension by saying he is ‘Great lord of all things, yet a prey to all', and ‘Sole judge of truth, in endless error hurled'. And he ends this paragraph with another rhetorical device, the tricolon, which uses three parallel elements to build to a conclusion: The glory, jest, and riddle of the world! We're familiar with this pattern in famous quotes from Julius Caesar, ‘I came, I saw, I conquered', the US Declaration of Independence, ‘Life, liberty and the pursuit of happiness', and Shakespeare: ‘Friends, Romans, countrymen!' Here, Pope uses it with typical precision, since if someone is both the ‘glory… of the world' and it's ‘jest', i.e. the butt of its jokes, then that makes that person a ‘riddle': The glory, jest, and riddle of the world! So this sums up the nature of man, and sets up the jesting irony of the next verse paragraph: Go, wondrous creature! mount where science guides, Go, measure earth, weigh air, and state the tides; Instruct the planets in what orbs to run, Correct old time, and regulate the sun; If this were the start of the poem, we might be forgiven for taking Pope's words at face value, but in the light of what has gone before, it's pretty clear that ‘wondrous creature' is a mocking criticism. He was writing this in an age where Newtonian physics was in the ascendancy and people were full of enthusiasm about the new discoveries in science and the possibility of understanding and mastering the physical world. And given that we are still living in a so-called age of reason, I think his criticisms of scientific overreach are still relevant, and the joke is still funny, when he talks about instructing the planets in what orbits to follow, correcting time and regulating the sun. As if measuring were full understanding, let alone complete power. But Pope doesn't confine his criticism to scientists. He also has philosophers in his sight: Go, soar with Plato to th' empyreal sphere, To the first good, first perfect, and first fair; Or tread the mazy round his followers trod, And quitting sense call imitating God; He clearly doesn't have a lot of time for Plato's first principles. Neither is he impressed by the contemporary vogue for what we would call Orientalism: As Eastern priests in giddy circles run, And turn their heads to imitate the sun. It's possible that he had in mind the whirling dervishes of Persia, or maybe this is just a caricature of his idea of ‘Eastern priests'. So obviously this is a joke that hasn't aged so well. OK he ends this verse paragraph with a final jab, which restates the idea from the opening couplet in bluntly comic fashion: Go, teach Eternal Wisdom how to rule – Then drop into thyself, and be a fool! It's hard to imagine a more apt image of intellectual presumption than trying to teach Eternal Wisdom a thing or two, but just in case we miss the point, Pope rams it home with relish: Then drop into thyself, and be a fool! And this is another characteristic aspect of Augustan poetry, particularly the satirical kind, that it can be very crude and direct, with a passage of sophisticated argument followed by a line or two where the mask drops and the insult is laid bare. And no, it's not big or clever, but let's face it, sometimes it can be deeply satisfying. One more little detail, which I can't help wondering about: notice how both of these couplets, conveying the same basic idea in very different tones, both hinge on the word ‘thyself': Know then thyself, presume not God to scan; The proper study of mankind is man. Go, teach Eternal Wisdom how to rule – Then drop into thyself, and be a fool! So that word ‘thyself' could be used to refer to various individuals, and knowing Pope, I wouldn't be surprised if he intended all of them at once. Firstly, the phrasing sounds proverbial, in which case each couplet is an injunction to mankind at large. Secondly, it could refer to the reader, any reader, of the poem, whether Viscount Bolingbroke, an 18th-century wit, or you and me, reading the poem together on this podcast. It could also refer to the specific targets of Pope's criticism, such as the overreaching scientists or philosophers. I think Pope may also have had in mind a target nearer to home: himself. W. B. Yeats wrote in one of his essays, ‘We make out of the quarrel with others, rhetoric, but of the quarrel with ourselves, poetry'. And it's entirely possible that Pope is doing both at once: we've seen the brilliance of his rhetoric, in puncturing the pretensions of his fellow men and women. Yet by making poetry as well as rhetoric, he is arguably arguing with himself as well. It was of course be entirely right and proper and expected for a Christian such as Pope to admonish himself as well as others, for the many and various sins he describes in An Essay on Man. So from a moral viewpoint, I think I'm on pretty safe ground in suggesting that ‘thyself' includes Pope. But I would go further, and say that the idea of a brilliant mind that is not quite brilliant enough to fully understand itself may have been a deeply personal subject for Pope. Because what we have here is an extremely clever warning about taking cleverness to extremes. Maybe the irony was not lost on Pope. As he wrote in another poem, An Essay on Criticism, ‘A little learning is a dangerous thing'. So perhaps as we hear this passage again, and enjoy the sparkling wit and scurrilous attacks on others, we can also detect a note of self-reflection, and self-accusation, that makes it a little more poignant than it first appears. From An Essay on Man Epistle II By Alexander Pope Know then thyself, presume not God to scan;The proper study of mankind is man.Placed on this isthmus of a middle state,A being darkly wise, and rudely great:With too much knowledge for the sceptic side,With too much weakness for the stoic's pride,He hangs between; in doubt to act, or rest;In doubt to deem himself a god, or beast;In doubt his mind or body to prefer;Born but to die, and reasoning but to err;Alike in ignorance, his reason such,Whether he thinks too little, or too much:Chaos of thought and passion, all confused;Still by himself abused, or disabused;Created half to rise, and half to fall;Great lord of all things, yet a prey to all;Sole judge of truth, in endless error hurled:The glory, jest, and riddle of the world! Go, wondrous creature! mount where science guides,Go, measure earth, weigh air, and state the tides;Instruct the planets in what orbs to run,Correct old time, and regulate the sun;Go, soar with Plato to th' empyreal sphere,To the first good, first perfect, and first fair;Or tread the mazy round his followers trod,And quitting sense call imitating God;As Eastern priests in giddy circles run,And turn their heads to imitate the sun.Go, teach Eternal Wisdom how to rule –Then drop into thyself, and be a fool!   Alexander Pope Alexander Pope was an English poet and translator who was born in 1688 and died in 1744. As a Catholic he was barred from university and public office, so he educated himself and forged a brilliant literary career, becoming the leading poet of Augustan England, celebrated for his razor-sharp satire and polished heroic couplets. Early success came with An Essay on Criticism and The Rape of the Lock, followed by monumental translations of Homer that made him financially independent. His later works, including The Dunciad, attacked dullness and corruption. In An Essay on Man, he explored human nature, providence, and moral order with epigrammatic clarity. He lived at Twickenham, where he created a famous garden and grotto.   A Mouthful of Air – the podcast This is a transcript of an episode of A Mouthful of Air – a poetry podcast hosted by Mark McGuinness. New episodes are released every other Tuesday. You can hear every episode of the podcast via Apple, Spotify, Google Podcasts or your favourite app. You can have a full transcript of every new episode sent to you via email. The music and soundscapes for the show are created by Javier Weyler. Sound production is by Breaking Waves and visual identity by Irene Hoffman. A Mouthful of Air is produced by The 21st Century Creative, with support from Arts Council England via a National Lottery Project Grant. Listen to the show You can listen and subscribe to A Mouthful of Air on all the main podcast platforms Related Episodes From An Essay on Man by Alexander Pope Episode 89 From An Essay on Man by Alexander Pope Mark McGuinness reads and discusses an excerpt from Epistle II of An Essay on Man by Alexander Pope.Poet Alexander PopeReading and commentary by Mark McGuinnessFrom An Essay on Man Epistle II By Alexander Pope Know... Occupied by Tim Rich Episode 88 Occupied by Tim Rich  Tim Rich reads ‘Occupied' and discusses the poem with Mark McGuinness.This poem is from: Dark Angels: Three Contemporary PoetsAvailable from: Dark Angels is available from: The publisher: Paekakariki Press Amazon: UK... Dover Beach by Matthew Arnold Episode 87 Dover Beach by Matthew Arnold  Mark McGuinness reads and discusses ‘Dover Beach' by Matthew Arnold.Poet Matthew ArnoldReading and commentary by Mark McGuinnessDover Beach By Matthew Arnold The sea is calm tonight.The tide is full, the moon lies...

Democrats RAGING After Trump's State Of The Union Address! Andrew Branca. 16 Minute Documentary on Voter Fraud.   MEDIA REACTS! Democrats RAGING After Trump's State Of The Union Address! Andrew Branca. At the State of the Union, President Trump asked lawmakers to stand if they agreed with a simple principle: the first duty of government is to protect American citizens, not illegal aliens. Many Democrats refused. The moment sparked fierce backlash, viral clips, and crushing post-speech polling showing overwhelming approval from viewers. Was it political theater — or a revealing moment about party priorities? Constitutional stakes, the Save America Act, birthright citizenship debates, sanctuary policies, and why this single visual moment may shape the 2026 midterms. Watch this video at- https://youtu.be/NPiVyZJQrhk?si=p8i7Bj-VkMrxyGb4 The Andrew Branca Show 283K subscribers Feb 26, 2026 "BRANCA FOR SCOTUS" MUGS! https://thebrancashow-shop.fourthwall... JOIN OUR COMMUNITY! Exclusive Members-only content & perks! Only ~17 cents/day! $5/month:    / @thebrancashow   Visit Here: https://lawofselfdefense.com/getthebook "You are wise to buy this material. I hope you watch it, internalize it, and keep it to the forefront whenever you even think of reaching for a gun" -Massad Ayoob (President of the Second Amendment Foundation) The #1 guide for understanding when using force to protect yourself is legal. Now yours for FREE! Just pay the S&H for us to get it to you. ➡️ Carry with confidence, knowing you are protected from predators AND predatory prosecutors ➡️ Correct the common myths you may think are true but get people in trouble ​➡️ Know you're getting the best with this abridged version of our best-selling 5-star Amazon-rated book that has been praised by many (including self-defense legends!) for its easy, entertaining, and informative style. ​➡️ Many interesting, if sometimes heart-wrenching, true-life examples Get Your Free Book: https://lawofselfdefense.com/getthebook 00:00 “Nothing Special About Being American” Clip 00:15 Trump's State of the Union Challenge 01:03 “Protect Citizens First” Moment 01:21 Democrats Refuse to Rise 02:09 Was It Just Political Theater? 02:54 The Trap Explained 03:42 Crime Victim Stories Highlighted 04:18 Save America Act Mentioned 04:46 Polling Surge After Speech 05:48 Immigration Approval Numbers 06:09 Democrat Internal Criticism 06:53 Sanctuary City Penalties Proposal 08:09 Birthright Citizenship Debate 09:16 Midterm Strategy Implications 10:47 Democrats Afraid to Stand Alone 11:27 “Common Sense” Mandate Framing 12:29 Cost of Mass Deportation Debate 13:21 J.D. Vance on Immigration Limits 14:14 Citizens vs The World Priorities   Post Johnny Midnight  @its_The_Dr Ladies and Gentlemen, When President Trump said ALL THEY DO IS CHEAT, This is WHAT HE MEANS! THIS IS THE EVIDENCE! 2020 was an ABSOLUTE OVERTHROW of the GOVERNMENT! An ABSOLUTE COUP! Spikes in Numbers, Figures that were Not Possible and a whole Slew of issues of People that had access, IRAN, CHINA, VENEZUELA and who knows WHO ELSE! Watch here and see just how they did it! This is just the TIP OF THE ICEBERG!  

What if AI didn't just sound right — but could prove it? In this episode of the MAD Podcast, Matt Turck sits down with Carina Hong, a 24-year-old former math olympiad competitor and Rhodes Scholar, and the founder/CEO of Axiom Math, to unpack how AxiomProver earned a perfect 12/12 on the Putnam 2025 and why formal verification (via Lean) may be the missing layer for reliable reasoning. Carina argues we're entering a “math renaissance” where verified reasoning systems can tackle problems that currently take researchers months — and potentially push beyond math into verified code, hardware, and high-stakes software. They go inside the “generation + verification” loop, what it means to build AI that can be trusted, and what this approach could unlock on the road to superintelligent reasoning.(00:00) Intro(01:25) Why the World Needs an AI Mathematician(02:57) Scoring 12/12 on the World's Hardest Math Test (Putnam)(04:05) The First AI to Solve Open Research Conjectures(06:59) Does AI Solve Math in "Alien" Ways? (The Move 37 Effect)(08:59) "Lean": The Programming Language of Proofs Explained(10:51) How Axiom's Approach Differs from DeepMind & OpenAI(16:06) Formal vs. Informal Reasoning (And Auto-Formalization)(17:37) The AI "Reward Hacking" Problem(20:18) Building an AI That is 100% Correct, 100% of the Time(23:23) Beyond Math: Verified Code & Hardware Verification(25:12) The Brutal Reality of Competitive Math Olympiads(29:30) From Neuroscience to Stanford Law to Dropout Founder(33:57) How Axiom Actually Works Under the Hood (The Architecture)(37:51) The Secret to Generating Perfect Synthetic Data(40:14) Tokens, Proof Length, and Inference Cost(42:58) The "Everest" of Mathematics: Scaling Reasoning Trees(46:32) Can an AI Win a Fields Medal?(47:25) "Math Renaissance": What Changes if This Works(55:47) How Mathematicians React to AI (And Why Proof Certificates Matter)(57:30) Becoming a CEO: Dropping Ego and Building Culture(1:00:42) Recruiting World-Class Talent & Building the Axiom "Tribe"

Zeinab is chuffed with herself after overhearing something!Jim-Jim tells us if we're drinking coffee correctly!Crossy tells us about the annoying little habit that are driving people crazyDermot is todays player of FM104's Ins2grand Hosted on Acast. See acast.com/privacy for more information.

Katie's definitely starting to show, Trey is taking full credit for not being insane, and we're still spiraling on baby names (Missouri?? Mo?? Rascal??).Support the show!Rula patients typically pay $15 per session when using insurance. Connect with quality therapists and mental health experts who specialize in you at https://www.rula.com/correctopinions #rulapodOur listeners get 15% off plus free shipping when they buy two or more pairs of prescription glasses at http://WarbyParker.com/CORRECTOPINIONS — using our link helps support the show. #WarbyParker #adReady to make some healthy swaps and become a member? Join Thrive Market with my link ThriveMarket.com/CORRECTOPINIONS for 30% off your first order plus a FREE $60 gift!Ready to stop paying more than you have to? New customers can make the switch today and for a limited time, get unlimited premium wireless for just $15 per month. Switch now at http://MINTMOBILE.com/TREYJoin the patreon!http://patreon.com/treykennedySubscribe to the channel: https://www.youtube.com/channel/UCL3ESPT9yf1T8x6L0P4d39w?sub_confirmation=1 Subscribe to Correct Opinions on Apple: http://bit.ly/COPodcast

Key Performance Indicators (or KPIs)! By establishing KPIs in your practice, you find ways to remove the emotion that doesn't need to be there. Tiff and Kristy explain how KPIs drive a practice — and how to implement them if you haven't started yet. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners. We are back again today and I say we again because I've got Miss Kristy here with me. You guys know how much I love her and podcasting with her is just, I told her today, like I just, you bring a sense of calm and it's great and letting it be on a, like Thursday afternoon, this is kind of cool for me ⁓ and ending my week. I've got, you know, we've got things to do tomorrow, ending calls with this is really, really cool. So Kristy, thank you so much for being here today. How are you?   The Dental A Team (00:29) Good and you?   The Dental A Team (00:31) I'm good,   thank you. ⁓ I'm... I was gonna say that, like what the heck? I'm so glad you're here though because, you know, this time last year you were here in snow and ice and I'm so glad you're here but it is cold and I heard you guys, record these, this is January right now, it'll be released in February but it's like so cold. It's like 43 degrees in the morning here and us Arizona women are just not used to that so.   The Dental A Team (00:34) It's cold for Arizona.   The Dental A Team (01:01) I agree and there's supposed to be ice and snow coming, not for us, we get rain, thank goodness, but I'm like, that's why we live here, so we don't have to deal with ice and snow. yeah, puts a little damper on travel, so we'll see. We'll see how that goes, but I am glad that you're here. This is the time of year that everybody comes and visits. February is a massive, massive time to be in Arizona. In March, we've got spring training games going, we've got...   Waste Management Open, we've got, oh my gosh, every weekend there's a taco festival or something going on. So this is the prime time to be in Arizona. If you wanna come visit, tell us that you're coming and we'll be happy to give you some suggestions. Kristy, we talk about these a lot and I'm excited because I know you actually thrive in this world a ton. You make decisions based on these. are phenomenal at projections.   four practices and the world of KPIs, which you guys, for those of you who don't know, key performance indicators, those are the indicators within your practice that tell you how you're performing. I had years and years and years ago now, like way too long to even count, I had a manager one time and she said, Tiff, I want you to start joining the KPI meetings on Thursdays with the CPA doc and I. And I said, okay. And then I ran over to my computer and I was like, Google, what is KPI? What does KPI mean? I was like, I'll be there.   That sounds great. This is like growth for me. You're putting me in. I was like, yep, I'll be there. And then I was like, what does this mean? So if you don't know what it means, you're not using them, you are not alone. I had to Google that once upon a time. And that was before Chat GPT. I feel like I would have been so much better off if I had that to break it down for me. But alas, here we are. And Kristy, I love KPIs. I love black and white decision making. I love any opportunity we have that we can remove some emotion.   from a decision, especially in the dental industry. We have a lot of emotions in the dental industry and being able to remove those and say that yes or no something is or isn't working. And my favorite piece of that is when we do that, Kristy, I think it gives us the opportunity to tackle the system and not make it personal about the person. Like it might not be that you suck.   it's that the system's not working or we're not using it correctly. And if that's the case, I'm fine. We start using it correctly or we alter it. But I think, Kristy, it makes me feel a lot better about accountability and about KPIs and just about leading teams when it's less about a feeling and a person and more about the system. So I'm excited. Kristy, tell me, why do you love KPIs?   The Dental A Team (03:41) Yeah, for the same reason, Tip, because so many times we see people focused on the wrong thing. And when you really dial into the metrics, they start to tell a story, right? And sometimes even metrics can look a little bit deceiving, but that's why I like to say the numbers start to tell a story. And then we get to dig into it and figure out the story. So, you know, just in saying that, I think if I wasn't doing what I was doing, I would be some kind of detective. And I mean,   The Dental A Team (04:09) I think   you would too.   The Dental A Team (04:10) Maybe that's why it's so exciting for me, but like, and it's truth, right? The numbers don't lie. And so a lot of times we have misperceptions on things and that's the human aspect. So to give grace on us, and I also feel like what we measure expands, it grows, right? And so if we're focused on the wrong thing, what do we get more of? And so,   The Dental A Team (04:33) Mm, true.   The Dental A Team (04:40) I just think it's the fastest way to make improvements. And it's kind of funny Tiff, because in other things we do, if we want to lift weights or we want to lose weight, what do we do? Get on the scale or we're like, we lift 50 pounds. my gosh, I added another weight. We measure it really well, but in dentistry it's like taboo. ⁓ we can't do it. Like it's so bizarre, right? But I just, again, it's the true measure. We talked about this.   The Dental A Team (05:02) I agree.   The Dental A Team (05:07) on a different podcast of winning. It truly lets us know if we're winning or losing, and maybe we'll focus on the wrong thing, right? I know you've heard it a zillion times. Doctors come on, need more new patients. I need more new patients. I need more new patients. And we look at their outstanding treatment list and it's like $3 million. And I'm like, do you really know what you mean? Right? So again, sometimes it lets us win faster because we can breathe direct and focus on   The Dental A Team (05:26) You   for sure.   The Dental A Team (05:37) what's really gonna get us there.   The Dental A Team (05:40) Yeah, I love that you said that. I love the idea of focusing on the wrong thing because I think we do that a lot. focus on the negative, right? We're like, what was our attrition rate instead of what's our new patient and our active patient count? Are those growing? Because if our new patient count and our active patient count are growing, attrition's fine. But if we're looking at attrition rate, we're like, how many are we losing? We're grasping. It's a different kind of energy and that will grow. So if you're looking at it,   you want your attrition to grow, then keep watching it. If you want your active patient count to grow, keep watching it. And if it's not growing, then you tackle the systems and assume attrition is happening. So I love that you said that because it broke it down, I hope for everyone, a little bit differently there. And our podcast today is How KPIs Drive a Practice. And I think in that simple statement and those two minutes you were just talking, you just broke it down, like verbatim on how it drives a practice because   what you focus on will grow no matter what. you're right, it's so everything in our life, we count everything. Like it's just human nature to count and track everything we do. We track our money, we track our expenses, we track our weights, we track our weight, we track everything that we do, we track our gas mileage. know, my sister's always like, ah, I got 16 gallons or whatever. I need to go get the best gas price. And I'm like, girl, I don't.   I don't know what she's like, what is your car get? I'm like, I have no idea. But there's, know, she's tracking that. But like, then we go into a dental office, it's like, don't talk numbers. Don't talk numbers. Don't track it. Because that's going to make somebody feel bad. It's like, no, we're going to track it. We're going to see that we're winning. And we're going to feel really, really good. Like my sister, sometimes she comes home and she's like, ah, I guess mileage was down. Sometimes she comes home and she's like, guess what? Simple. But that's how simple it can be.   doesn't have to be astronomical, but those small wins add up to something astronomical. And I have had so many clients that, I've had clients that have purchased practices, they're like, all right, when are we starting marketing? I'm like, well, what do you mean? You've got, like, what's your patient count? What's your active patient count? And then what's the total patient count of that practice? Because you have, every patient right now is a new patient. Starting marketing,   is a wild use of your money. Let's internal market, let's get your exams better. There's so many different avenues that we think are just the norm, so we jump on board with them. But then when we pull and extract those actual KPIs, we can find the root of what we need and the root of any problems that there might be, any systems that need to be revamped. So I love that, because that's how you're driving success, by watching the KPIs.   Kristy, and you've got, I hope everyone knows, I don't say it every time, but Kristy's done so much in her dental career and held so many titles and she's consulted for far longer than she's even been a presence here at the Dental A Team. We're so grateful for her. Kristy, in all of your experience, what do you feel are the easiest KPIs to start tracking if we're not tracking any? And then what are the most valuable KPIs maybe that people don't think of?   The Dental A Team (08:53) Ooh, that's deep. Obviously, I think we have to look at it as like two different forks in the road, right? Because so many times we hear the practice of a million dollars and then we hear the practice of six million. And I think doctors, you guys get all ramped up and think if I'm the million dollar guy, why am I the six million dollar guy? And I'm thinking, wait, wait, you don't necessarily want to be that guy. You're actually more profitable than, you know.   The Dental A Team (08:55) I I like that one.   Correct.   The Dental A Team (09:22) So it's not just what's happening in the practice, but also how profitable you are, right? And truly us here at the Dental A Team, we're looking to make sure you're hitting that profitability because that's where the true freedom is. But with that being said, the biggest KPIs out of the gate is what do I need to hit every month to be profitable? And then I measure my production, net production.   and collections. And ⁓ I am going to throw new patients in there, but in a different way, because doctors do want new patients and a lot of times they're getting them. But don't just look at how many I'm getting. Look at how many are reappointing. ⁓ you know, it's one thing that you're getting them and you might be doing limited, limited and letting them go out the back door. So again, look at those, but also   put more weight on how many are getting reappointed. And then ⁓ I also like doctors to look at diagnostics, dollars and diagnostic or sorry, acceptance dollars and percentage. ⁓ They go hand in hand. It can't just be percentage of acceptance because maybe I'm not accepting enough to even get to that goal. Yeah.   The Dental A Team (10:31) case acceptance.   Yes,   yes, I love those. Yeah.   The Dental A Team (10:46) And lastly,   probably in that tip would be your reappointment rate. How many are we reappointing? Because keep those patients of yours. Don't have to spend so many external dollars to gain more because if we just keep what we have and too often we look at how many people are sitting in our inactive pile or we don't look at it and you have a whole nother practice sitting there that you could tap into.   The Dental A Team (11:13) Yeah, I love that. I love what you said about the case acceptance dollars, the diagnostics and the case acceptance dollars. I too have doctors, I love having them ⁓ track their diagnosis and then their dollars. Number one, I hated being a treatment coordinator that had no control over how much was being diagnosed and only initially when I was treatment coordinator, were really only looking at case acceptance, which is very popular.   So case acceptance, case acceptance, and then they're like on your neck and that call these three people, why didn't these, like call the people and like I have called all the people. I can't, and we have so many clients, right, that the TC's are like I've called all the people, Tiff, can't, Kristy, I can't call anymore. Cool, it might not be in the case acceptance. Sometimes it's in the diagnosis and then to loop back to your new patient statement, all of those go so hand in hand and this is why, ⁓ heaven help me, this is why.   things like our scorecards, clients of Dental A Team that talk about the scorecard. This is why the scorecard is so important because you can look at a dental analytics screen and it's choppy, all over the place. The scorecard brings it together so that you can see what's affecting something else because to your point of the new patients, I had a practice near and dear to my heart. He hit his massive goal this year and I'm so proud of him. We worked really hard on, it was, you know,   Timelined out for five years and he hit it literally two weeks before his deadline, his date. One of the things that was holding his practice back was the new patients. He needed more new patients, needed more new patients, so his marketing company is like, all right, we're gonna ramp up new patients. And then all of a sudden we've gotten new patients, but it's like, we're not growing. There's nothing on the schedule, what's happening? And so I said, okay, what kind of new patients? And we had so many emergency, limited, transient, going through town, looking for an emergency.   He was doing a lot of same day dentistry, but not getting things booked on the schedule and not really adding to his patient count, because there wasn't reappointments happening. When we dialed that in, we found that and I was like, here's the key, switched his marketing, his new patients went up,   Then we focused in on his case acceptance. And then like you said, with the dollars, we're seeing, are they accepting fillings?   Are they accepting crowns? Are we getting the near cases? Like what is the case acceptance percentage is cool, but what are we actually, what's the procedure that's being the dollar amount and is there a ceiling maybe in our treatment planning, either back office, front office, wherever it is, is there a ceiling that our system needs to be able to help us overcome in diagnosing a certain dollar amount or treatment planning a certain dollar amount?   The Dental A Team (14:03) Yeah, I love that you say that, And as the TC, that's the one that gets me because so many doctors go back up there or come to us and say, they're just not closing it. And I always tell my practices, case acceptance is a team sport. And literally, it starts from before they even call the office. Like everything you're doing is contributing to their trust. And so ⁓ truly, docs,   I know you don't want to hear this, but it's your job to get them to yes with treatment and ⁓ financial coordinators get them to yes financially. So some of them can work heroics and they do, but it is totally a team sport. So going back to the diagnostics too, you asked a tool that I use ⁓ that maybe isn't so looked at. And I would say print your procedure count report yearly and just take a look, you know?   Are you doing four surface fillings? And I'm not saying that you shouldn't, but is it aligning with your philosophy? And are you giving patients the choice for long-term care? Because sometime that probably four surface filling is going to turn into something, you know? And let your patients decide. Let them decide.   The Dental A Team (15:18) Yeah.   Yes, I love that I have worked with many practices that they do give the options, but they assume that their patient base wants something specifically or can only afford something specifically. So they may give the options, but they kind of talk them into starting with something and started just leaving it on the table and saying what, if this were your mouth and roles were reversed, that we often say,   this were your mom, if this were your sister, if this were your brother. But I like to think, what if we were in different seats and the patient or the dentist, you were sitting in that chair, what would you want someone to tell you? Because you might even still err on the side of like, mom, when it happens, we'll fix it, but like, let's just do this patch for now, right? Because I don't, we don't want to get you numb. Like you might still err on that side for a family member, the, know, quote unquote conservative, but if you were sitting in that chair,   what would you want the dentist to say to you? And I think that makes a massive difference. And that is like your detectiveness, right? That's your detectiveness, but it works and it's what practices need sometimes. And I think, Kristy, part of those pieces, and you showed me your AR thing yesterday and how you diagnose that. And sometimes we do have to go to those spaces.   The Dental A Team (16:17) Yeah.   Yeah.   The Dental A Team (16:40) because you can't see it in the other areas. like, gosh, something is here, but that's why you look at those KPIs that are gonna drive success. And then when one of them isn't working, when one of them isn't hitting the metric that you want it to, you dive deeper. You're not just going to say, okay, every month let's pull the procedure code report. You're gonna say, if case acceptance, if we're not hitting production, case acceptance isn't working or diagnosis isn't working, now we're gonna dig a little bit deeper.   I think what tends to happen is we either go surface and we're like, everything's fine and we ignore issues or we go so deep that we're in the weeds and nobody has time to see the patients. We're just pulling reports all the time.   The Dental A Team (17:20) Yeah, it's so funny. So much psychology goes into it, right? Like our doctors get so upset in dentistry. I remember like doctors thinking, well, we're the only ones that do free consults. Medical doctors don't do free consults. Why do we do it in dentistry? You know what I mean? But yet we also complain, my schooling costs so much and they don't want to pay me what I'm worth, you know? And it's like,   Almost everything, it's funny when we get into it and I work with clients, I'm like, we kind of caused it. We taught them. How many times do we answer the phone and we go, do you have insurance before we even know their name? You know? So it's funny. It's like an oxymoron in a way, but I love that you brought that up because many times we do it to ourselves.   The Dental A Team (18:10) Yeah, yeah, we just spin our wheels on something, to find it and trying to get it right in an industry where nobody's taught how to do this stuff. guys, doctors learned how to be dentists and that's it. It's a rare occasion that you come across anybody who is taught how to run a dental practice. And dental is different than medical. So even healthcare professionals, right? People who have a degree in healthcare management, it's different.   This is why we're here. This is what we do. This is this is years and years. mean, across the whole Dental A Team team, like we should count that up. That'd be a lot of years. I don't even know anymore. We've grown to so many consultants. I don't even want to try to count that right now. We'll do that later. We'll ask Josh to do that for us. But regardless, there's so much wealth of knowledge here in.   The Dental A Team (18:57) Yeah.   The Dental A Team (19:04) ensuring that and we've done such a great job at finding the solutions and the systems to at least get templates and things started to customize for practices. I think that's just an immense value that consultants like the Dental A Team bring is that space of uniformity. these are things that we've seen work. Let's start here and then let's layer on top for you and let's adjust it for your practice and your team.   and those KPIs that drive success, pretty universal. And you said, you know, the common ones, production collections, new patients, diagnosis, case acceptance, and I loved your reappointment rate for new patients and just in general, those tell you the stories. And then from there, we dig and dive deeper. So I love it, Kristy. Thank you so much. think if I were to give an action item, it would be to revamp.   your KPIs if you're digging too deep and grab some new ones if you're not going deep enough, if that makes sense. So, Kristy, anything else you'd like to add?   The Dental A Team (20:09) No, I love it. The only thing I would say, Tip, I know you have the saying down better, but use, love the numbers, right? Don't use them as sticks, is that?   The Dental A Team (20:17) Yeah.   Yes,   yes, numbers are here to guide us. They're stars to guide us. They're not sticks to beat ourselves up with. Yeah, years and years of presenting with Kiera. Awesome, well you guys, go check your KPIs, go check your scorecards. If you're a Dental A Team client, you should have a scorecard. If you don't, get after your consultant. Everyone has scorecards this year, so we're good to go. But if you don't know how to use it or if you're confused by it,   The Dental A Team (20:26) There you go. Love it. Yeah. Love it. ⁓   The Dental A Team (20:48) or if you're not a Dental A Team client yet and you want information on it, please by all means reach out. We're here to help you. We wanna make sure that everyone is successful, whether you are a one-on-one client with us, a group client, or just here as a listener, we wanna make sure that you are all successful. So reach out, Hello@TheDentalATeam.com, and you guys, we'll catch you next time. Thanks so much, thanks, Kristy.   The Dental A Team (21:08) Thank you.  

When your corporate job feels "secure" until it suddenly isn't, real estate can become the Plan B that turns into your best move…  In this episode of the #DoorGrowShow, DoorGrow founder Jason Hull sits down with John Casmon (multifamily syndicator, host of Multifamily Insights, and co-creator of the Midwest Real Estate Networking Summit) to break down how corporate professionals can transition into multifamily investing without becoming a stressed-out landlord. They dive into how John went from corporate bankruptcies to building a multifamily portfolio, what passive investors actually need to know before putting money into a deal, and why trust + clear expectations matter just as much as the numbers.  Jason and John also unpack what this means for property managers: how to align with investor goals, why the best operators project calm control (even in chaos), where syndicators hang out, and how PMs can position themselves to win more multifamily doors.    You'll Learn (00:00) Transforming Property Management: An Introduction  (00:59) John Casmon's Entrepreneurial Journey  (02:56) Transitioning to Multifamily Investing  (04:33) Understanding Investor Types and Property Management  (05:48) The Role of Property Managers  (07:49) Investor Control vs. Trust in Management  (09:33) Challenges in Property Management  (11:17) Aligning Goals with Property Managers  (14:19) The Real Product of Property Management  (17:14) Managing Investor Expectations  (19:50) Syndication: A New Avenue for Property Managers  (23:44) Legal Considerations in Syndication  (26:41) Calmness in Chaos: The Key to Success  (31:40) Partnering with Syndications  (33:54 The Role of Property Management in Syndication  (38:29) Finding Syndicators and Building Relationships  (42:24) Understanding Passive Investment in Syndication  (47:45) Identifying Your Investment Goals  (51:54) Assessing Risk in Real Estate Investments  (55:15) Choosing the Right Market for Investment  (01:00:12) The Three C's of Raising Capital Quotables "The first C is confidence. Confidence comes from preparation." "The investment itself, we got to go out there and execute. But that investor psyche is a completely different game."  "It is not your job to hope. Your job is to analyze the information in front of you and make an informed decision." Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Jason Hull (00:01) All right, five, four, three, two, one. All right, I'm Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. And for over a decade and a half, we have brought innovative strategies and optimization to the property management industry. At DoorGrow, we are on a mission to transform property management business owners and their businesses.   We want to transform the industry, eliminate the BS, build awareness, change perception, expand the market and help the best property management entrepreneurs win. Now let's get into the show. So my guest today, I'm hanging out here with John Casman, a multifamily syndicator, host of the multifamily insights podcast and the co-creator of the Midwest real estate networking summit. And in today's episode, John's going to break down how corporate professionals can transition.   into multifamily investing, how to find the best markets, how to raise capital effectively, and what separates successful operators from everyone else. John, welcome to the DoorGrowth Show.   John Casmon (01:10) Yeah, Jason, thank you for having me. I'm really excited to be here. Love the intro, your intro, not my intro, ⁓ but excited to be here and share as much as we can on our journey to help all of your listeners reach their goals.   Jason Hull (01:22) Cool. So John, ⁓ it's great to have you. I would love for people to hear about your entrepreneurial journey. How did you get to where you are now? And then we can get into your business.   John Casmon (01:34) Well, the short answer is bankruptcy, right? I worked for a couple of different companies that went through bankruptcy and that really made me consider my other options. You know, I was at General Motors back in 2007, 2008, 2009 when we went through bankruptcy and I was there and I watched what that did to a lot of my peers. I one day in particular when we were going to have a lot of layoffs, I went to work as late as I could. But when I got there, I had a red message, a little red dial on your phone.   for anybody who's worked in corporate and remember voicemails. So I had a red dot on my phone, picked it up, pushed the play button and my heart skipped a beat because I thought maybe I was getting to the can, right? And it was actually a colleague of mine who sat kind of kitty corner in front of me and he had been let go. He, you know, was diabetic. He didn't know I was going to pay for his medication. He just was venting in his voicemail. And I just remember feeling empathy for him, but also   a sense of I just never wanted to be in that situation. So it made me really start to think about Plan B. Eventually I moved to Chicago, realized real estate was going to be that path and learned everything I could about investing. So it kind of took me down that pathway to say, you know what, I need a Plan B because no matter what you do, when you work in corporate America, you do not control your future. You know, there's politics, there's policy, there's a lot of different things involved that you do not control.   And sometimes it does just come down to someone not liking you for whatever reason, or they think you're a threat. And I didn't want to spend the rest of my career navigating those issues. So I figured I had to take more into my own hands.   Jason Hull (03:16) got it. And so you start taking things in your own hands and what was the result?   John Casmon (03:20) Yes. So we landed on multifamily investing, started with small multifamily. My first investment was a two unit building. We house hacked it, which is a common popular phrase now. But back then it wasn't quite as common. But we lived upstairs. We rented out the first floor unit and it worked great. You know, it worked so great that we went to refinance and we had created enough equity in that first investment to pull out a six figure line of credit and go out and buy another property. So.   Jason Hull (03:45) Nice.   John Casmon (03:47) That really got the ball rolling. bought a three unit building, we bought an eight unit building, and at this time I'm still working in advertising, still working in corporate America, and I enjoyed what I was doing, and I just had my second child, but the agency I was working for also went through bankruptcy right at this time. We had expanded, we were growing, and we had kind of combined with a few other agencies and kind of became this little conglomerate, and it just eroded just as quickly as it grew.   I remember again, just sitting there and I've got some real estate. I've got a little bit of cashflow, but not enough to pay all my bills. New baby. And I just realized this real estate thing is working, but the exact strategy I'm employing doesn't allow me to insulate myself from these economic changes and shifts. So I had to change my strategy and that led me to syndication. Since then, we've acquired over $150 million worth of apartments.   We've partnered with busy professionals to buy these properties and give them some passive income. And that's what we've been doing ever since.   Jason Hull (04:50) Got it. So your area of genius really is helping these people that were similar to you, they're in the corporate environment transition into being an investor in real estate.   John Casmon (05:01) Yeah, exactly. And I would say too, it doesn't have to be you're going to quit your job and do this full time. And in fact, most people don't, you know, but most people do want a little bit more control over their life. You want a little bit more flexibility. You want to earn and start building up, you know, your net worth. You want to have a little bit more liquidity. You have to look at your investments to say, what should you be doing? I think most people know that their 401k, their, you know, company issued life insurance.   probably not enough to really get you on the fast track to retirement. So what else could you do? Certainly you can invest in the stock market. Lots of folks do that. But real estate is a proven vehicle. The challenge is, I don't know anyone who really wants to be a landlord, right? ⁓ Certainly you want the benefits of real estate investing, but very few of us want to get those 2 a.m. phone calls. So the shortcut there is, ⁓ hire a property manager. Great solution. But now you have to be able to manage   property managers, right, which is this whole other business. And if you don't have enough scale, then it's hard to get that person really focused on your business. So we offer an alternative, right? You get all the benefits of real estate investing, all the ownership perks without any of the headaches of being the landlord yourself. So it really is a great marriage of being in real estate without having to do the heavy lifting yourself.   Jason Hull (06:15) Okay.   Okay, so ⁓ the target audience of this show are property managers. So if they're not gonna use property managers, then what's the alternative? How does this work?   John Casmon (06:29) Well,   first of all, what we do is not always for that individual. So I think that's the key, right? You've got to understand who you are from a psychological standpoint. So when it comes to investors, there's two types of investors. One wants control, right? They're not willing to be passive. And some people think they want to be passive until they're in a passive situation and then they're calling and they want to know why you did this and why you did that and how come you did do that. That's not a passive investor. And that's fun.   Jason Hull (06:45) Yeah.   Yeah, they're anxious. Yeah. Yeah.   John Casmon (06:58) And   if that's you, you should be active, right? And you should work with a property manager, but you also want to work with the property manager who is going to be right for you, right? Because sometimes that is not how they operate. So you want to understand that. And that's a process to understand who you are as an investor, what kind of investment strategy fits you and what's going to be right there. When it comes to property managers, though, I think there are a couple of things. And as a matter of fact, we just left out of meeting with   property management company yesterday. They have 2000 units. We talked about some other services that we offer. And one of things that stood out to me was just understanding some of the challenges that property managers face. And one of them is property managers are really in a position to think like everyone. They're supposed to think like an investor. They're supposed to understand maintenance and kind of the construction arm enough to understand what needs to happen at a property. But they are really little CEOs, right? Because for   Our stuff, the large apartment stuff, those are typically million dollar annual revenue businesses. And this person is in charge of that asset of that business. They are making the day to day decisions. They are the face for the residents, aka the customers of that business. They are the face and their experience with that individual is how they view that business. So it really is an important role. And if you're working with property managers, it's really important to understand how to find the right people.   to connect with them and have them represent your business, your brand, company in the right light.   Jason Hull (08:30) So now you left an open loop that I want to close. So you said there's two types of investors, those that want control and maybe should go find a property manager, you said. And then what's the other type?   John Casmon (08:34) Yeah.   The other type is those who don't want control and they trust someone else to handle that. And for them, there are a couple of different ways of investing. One is investing passively with a group like ours. The other is turnkey investing where again, you hire a property manager, but you really entrust them to manage the property. The only thing I would say for either one of those groups, myself included, is you want to trust but verify. Okay. You've got to do a lot of your due diligence upfront. You want to understand how they operate. You want to talk to   some of their other clients, some of their other investors, because you need to get a really good sense of what to expect. And a lot of people are great at selling themselves upfront, right? I can tell you everything you want to hear upfront. You want to know what is it like once you sign the paperwork? How often are we going to talk? How frequently am I going to get updates? And at what point am I able to weigh in and make decisions? Because if, if you are someone who wants to be more active or be heard, or you've got thoughts and opinions,   Jason Hull (09:18) yeah.   John Casmon (09:35) You want to make sure you have a voice in your investment. Otherwise you may get really disappointed or you may bring on someone who has a different perspective of what that relationship looks like and that never is going to work out.   Jason Hull (09:47) Yeah, there's a big challenge in the industry and that's that most property management companies suck. so most investors that have dealt with property management to some degree are they have some scar tissue, they've been burned a little bit. They've a lot of property managers that started their businesses that come to me for help to grow their business. They started because they were investor and they couldn't find anyone else to manage the property good enough. And that's why they started their business, but it can be a difficult business to run. so none of them start their business saying, I want to suck.   But that's kind of the default unless they get some really good support or figure some things out through a lot of trial and error. And so that's where DoorGrow comes in. We help them with that. But one of the things I coach my clients on a lot is that they need to shift into being daddy over these rental properties. They need to like tell the owner, hey, you need to trust me. And they need to be able to have a really effective business so that they can lean into that trust.   because a lot of people are anxious. They'll come to them with concerns, but generally if a property manager is good, they're much better at this investing stuff than most investors. And they're much better at coordinating maintenance. They're much better at handling leasing. And so when an owner tries to micromanage a property manager, it kind of doesn't make sense to hire somebody to manage your asset just so you can manage them to do the job. And so I think the secret is finding a really good property manager that you can   let go of control because you can trust them. And but yes, you need to verify that they can do the job that you need them to do. And so a good property manager will take ownership of it and they'll take control and they will, they'll display a lot of certainty and confidence in how they communicate and they won't allow you to micromanage them is what I've seen. So.   John Casmon (11:37) Yeah, Jason, and I'll add to it. There's a two way street there. And I think it's easy for people to say, ⁓ most property managers suck or they're not good or whatever. And listen, there's certainly a lot of challenges there. A lot of folks who are not living up to par to the standards. But I will go back to this. We ask property managers to do the work of generally like a CEO. Right. I mean, again, they're managing million dollar businesses in many cases, yet they don't have that training. They don't have that experience. They don't have the ability to navigate.   all of these various things. So part of what owners and investors need to also understand is that you play the role of asset manager. And that means giving clear direction of what success looks like so that that property manager has a framework to make decisions. It's not to micromanage those decisions, but to help them understand how their decisions impact the greater good. And part of that is like, again, just sitting down with annual goals. What are revenue goals? What are our goals on?   Occupancy, what are our goals on in a lot? And this may seem simple, but I promise you a lot of folks don't do this. And if you don't do that, then that property manager is going to default to, for instance, I'll give you a great example. I've got a property manager. She's awesome rock star. But she always gets nervous when occupancy is not at like 96 or 97 percent of this property. So she is, you she starts apologizing profusely and all I did this or done that and like.   Jason Hull (12:58) Yeah.   John Casmon (13:04) Occupancy is one of our KPIs for sure. It's important, but that is not the KPI. I am focused on my net operating income. And if we're going to push rents, the impact of that is you're going to have higher vacancy and she is not comfortable with that. And that's probably because she's used to working with owners who want that thing fully rented and they are comfortable having 100 % occupancy.   Jason Hull (13:13) Yeah.   Hmm.   Yeah.   John Casmon (13:33) if they're leaving 50 bucks, 75 bucks, whatever it is of rent on the table. And that's the part where you've got to really align with your vision versus their vision, because what they have in the back of their mind may not completely align with what you have. Or they have residents in their face who are coming into the office. They want something fixed. They want it done quickly. They want it done right. They want it done yesterday.   Jason Hull (13:49) Right.   .   John Casmon (13:59) So they've got that pressure of this person in their face. So they may go out there and spend the money or authorize the money to get spent. And maybe they're not picking the most cost effective measure. So you have that. And I'll give you one third one. A lot of times when you run into the flip side of that is maybe occupancy is low. They say, hey, we need to increase our marketing spend, right? We got to increase our marketing budget. know, ox is down to 88 or 90%. We got to spend more money. And we're not necessarily.   really zeroing in on what the specific issue or challenge is at that property. So for an owner, your job as an asset manager is to partner with them and to help them see what the options are, help them work through with some of those challenges and solutions are and partner with them to find success. It's not to micromanage them and tell them what to do, but it's really to understand the situation better and give them that perspective.   Jason Hull (14:49) Yeah, that makes a lot of sense. think, you know, one of the things I've seen is that I've noticed a lot of property managers, they make the mistake of thinking that the goal or the product that people want to buy from them is property management. But investors don't wake up in the morning and go, man, I'm so excited to get property management today. The thing that they want. And so the way I describe it to them as they say, property management is like the flight to Hawaii. It's not Hawaii.   and you're trying to sell the flight. That's not the exciting part. You need to figure out what the investor wants, what their goal is. Where do they want to go? What's Hawaii for them, right? What's paradise? And then how do we optimize for that? And how do we help them create a path for that? Because the actual product that a property manager is selling is not what they do. It's not property management. The actual product is them. It's them and their values and their belief system and how they create trust and the team they build and the system and mechanism they build around them.   That's the actual product the property manager is selling. so a lot of property managers make that mistake. They sit there and talk to you about maintenance coordination and leasing and inspections. And meanwhile, you're just wondering as an investor, can I even trust this person? Like do our values align? Yeah. So I don't know what your thoughts are on that, but.   John Casmon (16:11) I think you're spot on, right? Because, I mean, ultimately, as an investor, you are only as good as the team you can build. And that property manager is in charge of the day-to-day aspects of the business. especially when you, you know, I've heard horror stories of folks who have done like turnkey investing, right? Where the property manager, someone owns it, they buy it, they fix it up, and then they rent it back to...   an investor. And I've heard horror stories where that property was not being well managed. And that's the fear. If you're not in that marketing, you can't come and see it. So if you got an out of town investor, you really are trusting that property manager. So that is the most important thing, right? Everything else are tactical, daily situational things that can change. But it comes down to do I have the right people, people that I can trust, people who are going to make the right decision based on the information they have.   because they may not know what I know or maybe something shifted and changed where they would have made a different decision. We can't, you know, ache on that. It really comes down to are they doing their best? Are they making good decisions? If they're not making good decisions, is it because they didn't have the correct information, which again, could fall back on you as the investor to say, hey, are they aware of what your goals are? Are they aware of maybe this situation, these tools, these resources, whatever it is? And that's on you to sit and collaborate.   But trust is absolutely paramount because at end of the day, the thing that I think most of us are concerned with is who we partner with. And there's a great book I'm reading right now. And it gets into decision making and the fear of decision making for most of us and why deals stall. Why didn't you hire somebody? Why didn't you, you know, go with the vendor or go with the contractor or with the company? And the biggest thing is we are scared of making the wrong choice. All of us in decision and no action.   Jason Hull (17:43) Absolutely.   John Casmon (18:04) is better than the wrong action for many people because they once they take action. Well, now they're blaming themselves because you didn't pick the right person. Why did you hire that guy? You should have like now this starts to go on in their head versus doing nothing. Well, at least it's you know, it's not going to get worse, you know, it will in lot of cases get worse. So for a lot of people, that is the scariest thing. So if you can take that fear off the table as far as being the right person or being someone who is trustworthy.   Jason Hull (18:07) Right, yeah.   John Casmon (18:32) everything else gets easier. So if you can do that, that's, you know, the best thing you can do as an investor or as a property manager.   Jason Hull (18:38) Yeah, I agree. think one of things that I talk about a lot is that clarity has to come before action because if you don't have clarity and you start taking a bunch of action, doing stuff, every action you take is a little bit wrong. Sometimes it's a lot wrong. so, yeah, we need to get that clarity first before we start ⁓ making moves. And you talked about, I love the example of your property manager that is trying to   optimize maybe for the wrong thing. They're like, want to optimize to the, making sure their vacancy is super low. But that might not be the goal. That's not the primary goal. The goal is money, you know, and there's a really good book is by Elihu Goldratt. It's a good book for operations people, but it's called The Goal. And spoiler alert, the guy's trying to figure out the goal through this whole book, the story and it's money. That's the secret. The goal is the of the business, should be making making money.   And what happens in this book is that people are over optimizing individual pieces in this flow at this warehouse. And it's actually not helping to make money. It's causing more constraint. And so if we over optimize at one stage, it actually creates waste, bloat, inventory, additional work for the next stage. And so sometimes the best thing certain departments can do is slow down and do less in order to get the outcome to be maximized outcome.   And there's some really great examples in that that I think are really powerful. But I think the if you're optimizing for the wrong thing, then you're not making it effective. So you want to make sure you're optimizing for the right thing. Otherwise. ensues. You get mad at somebody, but nobody understood what the goal was. And so I think, yeah, getting a greed upon set of criteria of what what the outcome is and asking the property manager, can you help me achieve this?   And they know, they know if they know what the problem is, usually they can, they know how to help you get whatever goal that you have. And they know whether your goal is probably realistic or not, because they've helped probably a lot of people do this similarly. And so, but yeah, I think it's very important. Make sure you know, where's Hawaii and maybe property management is the vehicle. Now you had mentioned like, I'm really curious about this idea of, you know, maybe creating syndications.   Some property managers are now starting to think, maybe I should create a syndication. What's your criteria for, what's a good syndication and what are some of the, I'd be really curious to get into if some of the property managers listening were wanting to do kind of a little bit of what you do, how they might be able to get started in that. Like what are the beginning steps to make sure they don't make the mistakes you probably already figured out in the beginning?   John Casmon (21:27) Well, I think the first thing is, you really want to get into it? Right. Because for a lot of people, you got to understand it's a different business. Now you're not talking about real estate investing. You're not talking about property management. You're really talking more about, you know, investment management. You're talking about bringing on private investors who are looking for a return. That is communication skills. That's building up a network and a database of   Jason Hull (21:35) Mm-hmm.   Right, returns.   John Casmon (21:54) prospective investors, it's understanding the return projections that they're looking for. And it's really kind of managing the investor expectations, not necessarily the investment. And to give you a great example here, I had a deal where the investment went great, but it was slightly lower than what we initially projected. And I had an investor who was upset.   Jason Hull (22:07) Yeah.   Yeah.   John Casmon (22:23) about that. And we had communicated all throughout the entire process where things sat and he wasn't too upset, but he still made it a point to let me know, hey, well, this is less than what you initially thought. And that's challenging because the market shifts, right? Anybody who's bought properties in 2022 and beyond knows the market has shifted drastically over the last three or four years. So those projections made in a 2021-22 environment   Have a hard time standing up in a 25 26 environment We still make good money on that deals double-digit returns for investors ⁓ But you know there was that that was that feedback I got from one of the investors conversely We just exited deal a couple months ago, and we completely exceeded our return projections You know we delivered on a almost a 2.7 equity multiple Hit all you know mid 20s on the IRR completely unheard of stuff in this environment   And I have one investor call me and say, hey, John, I just checked my account. Is this right? And I'm like, yeah, it's it's right, man. He's like, my gosh, you guys killed it, man. my. Like, this is amazing. And it's great to hear. But again, that is separate from the investment. Right. Happy to manage the investor expectations and concerns. But that was an up and down investment where we had, you know, a moment where we actually had to put some of our general partner capital into the deal to keep it going.   Jason Hull (23:27) Yeah.   Yeah.   John Casmon (23:48) We have floating rate debt. had to refinance out of that. And we had to kind of rush to do that before rates started to go crazy. We had moments where our construction or renovation costs were much higher than we anticipated. So there are a lot of things that we had to navigate. And I think what happens for a lot of operators, a lot of people who get into syndication, they know the real estate and want to do the real estate, but they do not understand the perspective of the investor. And when you don't communicate to investors on a frequent basis and a clear, transparent nature,   Jason Hull (24:19) Yeah. Yeah.   John Casmon (24:19) They fill in the blanks and   the first concern every investor has and they won't say it. Most of time they don't say it, but I promise you they're thinking it after they make that investment. my gosh, did I make a mistake? Am I going to lose money? Is this person going to run off? Is this going to be some sort of fraudulent thing? Is this deal going to fail? These are all that we're wired like that. This is caveman stuff, right? We're wired to protect ourselves.   Jason Hull (24:36) Hmm.   Right.   John Casmon (24:45) And when you make an investment, and by the way, our investments are typically $50,000 and up, right? So these are not small investments. So when you make that investment, people start to second guess that decision. So my job when it comes to this side of the business is to keep them grounded that, hey, you've done your research, you've made an informed decision, you've picked a good partner, we've done this before. ⁓   Jason Hull (24:50) Yeah. Right.   John Casmon (25:13) And it's really to make sure that they feel comfortable with that decision. It has nothing to do with the investment, right? The investment itself, we got to go out there and execute. But that investor psyche is a completely different game. So first thing I would tell any of your property managers when they get into this business is understand, do you actually like people? Do you want to manage investors? Are you comfortable managing people's money? ⁓ And then beyond that, you have to do it the legal way. There are a lot of regulations around accepting capital from other people.   Jason Hull (25:31) you   John Casmon (25:42) So you can do it as a joint venture. The more common way of doing it, the more accepted way of doing this is by doing a formal syndication, which requires you to file SEC documentations. ⁓ know, there's regulation D and regulation A and there's some couple others, but typically it's going to be reg D 506 B or 506 C filing, which basically is the the structure that allows you to offer ⁓ passive investment opportunity or a security to investors. So again, for some people,   It's overwhelming. they're like, nope, never mind. But for some people, they love it. They want to get into it and they can learn more about that process.   Jason Hull (26:19) Got it. Yeah. I think I love your idea that it's more about managing expectations rather than the investments. And I think, I think that's good advice for all the property managers listing. This is something we spend a lot of time coaching clients on because they think their job is to manage properties. But really, if they're not strong in managing expectations and managing the relationship, it's 10 times to 100 times harder to manage the properties.   their operational costs go through the roof because owners are getting anxious. They're asking more questions. They're getting all these interruptions and calls, tenants, owners constantly. And if they had just managed the relationship and expectations and set strong boundaries at the outset, everybody would feel calmer. And I think really for business owners, I think the thing that really stood out to me that I've been focused on, and this is I've done some personal coaching and this is just nervous system regulation.   If you can, and John, seem like you're pretty chill and pretty calm and I'm sure the investor feel safe with you, which is why you've had success. If you are a person that is anxious and you're running around like a chicken with your head cut off, you're going to have, you're going to struggle in leading anybody, especially in relationships to your spouse and like everybody else. so having a calm, regulated nervous system allows your investors.   to entrain to your nervous system and to feel safer and to calm down. And that's not something you can pretend or you can just fake. You have to be that and they can sense and they can feel that it'll come across in your tone and in your body language and how you communicate. But if you can make sure that you're in that space and that you're able to regulate your own system, you're able to stay calm when other people are coming at you.   and other people are angry and other people are emotionally heightened. And you recognize this isn't really you. It's just that's them. And you can maintain that calm. You will be able to create a lot more safety. And that's really what people want to buy. Most people out there, their primary basic need is safety and security. Most people. That's why they aren't entrepreneurs. That's why they don't go start jobs. That's why they aren't like you and me. And if you're a property management business owner listening to this,   Most people are not like you. They want safety and security. That's why they get a property manager. They want peace of mind. And so, and I'm sure investors in a syndication, they also want some peace of mind because this is a big chunk of change.   John Casmon (28:55) They do. And I will say to most of the property managers I come across thrive in chaos. Right. They're used to stuff getting thrown at them. Right. And when you talk to them and get to know them, you learn very quickly. They like it. They do. They like the fact that they don't know what the day is going to bring. It could be a. Yeah, yeah. Could be a tenant coming with some crazy issue. It could be something from it's never boring and they thrive in it. However.   Jason Hull (29:00) Yeah.   Yeah.   They like the variety and unique challenges that property management brings, for sure.   It's never boring.   John Casmon (29:25) What happens then if you if they're going to look to work with investors and particularly raise capital and kind of do their own syndications, they have to understand that while they may thrive in chaos and uncertainty, most other people want organization. You want everything you said right. You want to have the calmness. You are looking for a captain to steer the ship. And for that part of the personality, they're going to have to tap into a different side of it to demonstrate how they handle chaos.   Jason Hull (29:37) Hmm.   Yeah.   Yeah.   John Casmon (29:54) not that they are chaotic. And I think what happens a lot of times when you're working with property managers is that they don't project that level of control. It just feels like they're reacting. So part of it is that, and they're really, really good ones. The ones who make it to that next level who are the regional managers and get those promotions, well, that's what they do. They manage the chaos and they manage up. They do a great job of telling the owners,   Jason Hull (30:06) Yeah.   Mm.   John Casmon (30:23) the leadership, whoever they need to talk to, they're telling them, hey, here's how here's our process. Here's how we're managing the situation. Here's what's going on. Here's what we're into. Hey, we had a water main burst here. Here's we bought. call three companies. We've got three quotes, but it's calm, right? It can be the worst. I'll give you a real example, right? At a fire, one of my properties and I was going to meet a property manager and I just happened to have a meeting with her that day at the property. She called me.   I was literally about to get in the car. She called me and said, Hey, I just want to let you know we've got a fire going on at the property. I'm not sure if you still want to meet. You're happy to come. We already have, you know, the fire department's here. They're they're putting the fire out right now. We already have another company that's coming in. They're going to walk through the damages once this is kind of settled. And I've already talked to the residents. Residents are good. We've got them hotels for the evening. We've checked with insurance. This is covered in your policy. So they're good to go. So you're happy to come down and talk and all of that if you want to.   Or we can let things settle down and maybe we can meet next week. This is a fire, right? This is like a scary situation. She called me.   Jason Hull (31:26) Right. A literal fire. Yeah. And there's plenty of fires   in managing properties. The literal ones.   John Casmon (31:33) Her calmness, she was so calm. Not only was   she calm, she had handled 90 % of it, right? It was the stuff you could handle in the moment. She handled it. So was like, hey, I don't think it makes sense for me to because I'm probably just going to add more anxiety to the situation at this point, right? It seems like you've got it under control. Why don't we let things settle, literally let the dust settle? And then once it's there, I'll come down. We can assess the damages, figure out what else needs to happen, what other next steps need to take place, right?   Jason Hull (31:41) Yeah? huh.   question. Yeah.   John Casmon (32:03) but had it handled like a rock star. Now, a lot of other folks would have saw the flames, called immediately, my God, there's a fire. ⁓ my God, what are we gonna do? So now you freaking out, everyone's freaking out, no one's controlling the situation, right? So now everyone's mind is just spinning and going. it does really take, kind of go back to where we started the conversation, that mindset of someone who was the boss, who was leading.   Jason Hull (32:05) Yeah, I love that.   Yeah. Freaking out. Yeah.   Hmm. Yeah.   John Casmon (32:32) who is going to take charge, even though it's not their property, they're going to take charge. Here's what needs to happen next. Maybe you have an emergency response plan already put in place, but you have these things already scheduled and ready to go. So when they happen, you're not shocked. You're not surprised. You're not asking questions that maybe you should have figured out upfront. And that's what a great property manager does. And if you convey that to owners, you're going to stand out above and beyond your competition because most people cannot convey that level of control, the level of   planning and the level of expertise that it takes to truly and effectively manage properties from the front, being proactive as opposed to just reacting to whatever the issue of the day is.   Jason Hull (33:13) Got it, okay. So ⁓ I'm reading, I just read, well, I didn't just read. I read in the past a really great book called Extreme Ownership. Really good book. Yeah, phenomenal book. ⁓ I'm going through their newer book, which I think is even better, called The Dichotomy of Leadership. leadership is what we're talking about right now, is that that,   John Casmon (33:23) Yeah, I think I got it like right here. It is right there.   Absolutely.   Jason Hull (33:38) creates a huge impact and there's a lot of misunderstandings of what leadership is, like it's control or it's being aggressive or, but yeah, it's really that calm presence of letting people know I've got it. Like we can take care of this. We've got a plan and staying regulated and calm. So I love that. ⁓ have a, so another question I have is how can the property managers listen to this? How could they maybe target or partner   with, if possible, syndications like you, like people that are doing what you're doing. Is there a chance that they could be a resource or do most syndications just in-house and do, they are a property management business?   John Casmon (34:19) No, no, most ⁓ most that I know work with third party manager companies. So I would say first and foremost, if you and syndications, I mean, it sounds like a big, huge, fancy word. But I mean, honestly, anytime you work with passive investors is technically a syndication. So it really comes down to figuring out who is looking for third party management and whether or not it's technically a syndication or not is really irrelevant. You want someone who is going to be managing or owning the property.   Jason Hull (34:24) Okay.   Yeah.   John Casmon (34:49) They want third party, but you have to understand their plan, going back to understanding the goals, right? Most syndications are looking to sell in a three to seven year timeframe, typically five to seven years. Most buy and hold owners have not decided or have not identified their exit strategy. So that's probably the biggest difference is when you have, let's just call it an individual investor or maybe it's a   Jason Hull (35:01) Okay.   Right.   John Casmon (35:17) a family or whatever that's buying and they want a third party manager, they don't know the exit. They haven't predetermined that they're going to sell in five years. So they are buying and holding it. And that goes back to the the I think the separation of understanding the objective, because for that person, having a full property is great. It means they're maximizing the revenue potential today. When you are syndicating.   most syndicators already assume 5 % vacancy. That's that's in everyone's underwriting. So you being at 100, they won't even give you credit banks don't even give you credit for it. So all of these things are already assumed. So for us to be above that is actually a miss, because it means we're not being as aggressive on the rent. So just understanding the mindset of a syndicator, which is they are looking to sell typically they're looking to double their money over a five or six year period. So how can you create value?   And that's something most property managers don't fully understand. But I would sit and I would talk to that syndicator. And if you want to be a syndicator or partners, not just be a third party vendor, but you actually want a partner, which we have seen a lot of folks look to do. You want to figure out how you can bring value to the table, because now we are aligning your interest with that syndicators interest. And now you've got a great partnership.   because every syndicator is going to need property management and they're going to need construction management to drive value. So if they can bring those people in as partners, that's a great opportunity for you. And if you're a property manager, you may have phenomenal relationships. You may already have contractor or the vendor partners that you trust in that marketplace. And if you could then take that and get a slice of the equity, that makes you very valuable for both sides.   Jason Hull (37:08) Do syndications, do they also need investors in capital or do most of them have that, are they really good at that? Okay.   John Casmon (37:15) Absolutely. Yeah. Yeah. Yeah.   mean, I mean, syndication at its core really just comes down to the need of capital. If someone had the capital themselves, they would probably just buy it directly and not go through the process of syndication. Because the syndication is literally just raising the money from passive investors. And in that scenario, again, being able to manage that, manage the communication, ⁓ that's really what a syndication truly is.   Jason Hull (37:42) So a really good property management partner could bring property management, some of the construction elements and investors and capital to the table. So it could be a nice little.   John Casmon (37:51) That would be amazing.   I'll be honest, man. That's because I don't want your listeners sitting here like, oh, I don't have one of those. I don't know if I've ever met one that had all of those. If you do have all of them, yes, you should consider syndicating yourself because you got all the pieces to the puzzle. Typically, what happens is a property manager has the property managers. I'll give you a great example. I got a 54 unit down in North Carolina. OK, so I came in as a key principal. I've got a.   Jason Hull (38:03) Okay.   Okay.   John Casmon (38:20) to my coaching clients. It's his property that he found. He asked me to come help him with the loan, which I did. One of the members, one of the partners is the property manager. So that's kind of their role to the table is they're managing the property. That's what they kind of came on. They had a couple of relationships, but their main role is the asset and property management side of it. So that's a great way to come to the table. But. Just like anything else in business.   Jason Hull (38:33) Mm-hmm.   John Casmon (38:49) It's very hard to find someone who checks every single box. I mean, that's like finding the marketer who's a CMO, who's also the CFO, who's also the COO, who's also the chief of human resource. very like no one, people don't really have like top notch excellent skills at every single one of those, right? Like you might be great at business, great at sales, great at marketing. You're probably terrible at finance, right? Like you just, you just forget to do your expense report type person, right? So it's hard to find someone who's   checks all those boxes. And I think typically when comes to property management, you want someone who's great with people, can resolve issues, but also has to be somewhat, you know, sufficient when it comes to the numbers, tracking all the data, tracking all the, you know, the rent roll, the leases, the income and expense statements, things like that. So usually they're not going to do every single box. But again, if you can find someone or that's where partnerships make sense.   Jason Hull (39:24) Mm-hmm.   John Casmon (39:43) If you've got that awesome. And again, I'm not saying a company doesn't have that. I'm just saying a single individual doesn't, which is why it's great to partner. If you can find someone who maybe brings a set of skills that you don't have, whether they're joining you in your property management business or they're partnering up where you're bringing your property management skills to the table with their investing or their networking skills, that makes for a good partnership.   Jason Hull (39:43) Mm-hmm.   Yeah, I got it. Well, we've got several clients, you know, all over the U S that are really good at property management. They're really good at handling the maintenance stuff and they obviously have a pool of investors as clients and, and, know, and they know that they can't do everything. So we coach them in making sure that they would do time studies. They figure out which, what their purpose is. We start to align them towards more fulfillment, more freedom, more contribution and more support in their business.   John Casmon (40:32) Yeah.   Jason Hull (40:38) And they start to build the right team. So they're getting operators, they're getting BDMs, they're getting the things they're not like strong in. And so we just make healthier businesses. So for those of maybe my clients listening that have healthy property management companies. And, but they don't want to do syndication. They're just like, man, that's a whole nother business. If I stay in my lane, I can grow that faster. How do they find syndicates? Like, how do they find people like you? Cause you've got a lot of properties connected to you.   and they would probably love to chat with somebody like you. Where do you syndicate people hang out? What's the title? Who runs a syndicate? What are they called? Do they have a specific title?   John Casmon (41:15) You   Yeah.   Yeah, great. Great question. Multifamily syndicator is is kind of the name just syndicator. We're all over. So I've got a podcast called Multifamily Insights. I interview like minded individuals. I've been doing that for a long time. We've done our seven hundred and seventy plus episode. So lots of people, lots of syndicators there. Definitely conferences. So if you look up any multifamily conference in your city.   Jason Hull (41:25) Okay.   Nice.   Okay.   John Casmon (41:46) meetups, lot of meetups in different cities as well. Those are great places to find syndicators. I think the biggest thing though is this.   Figure out who your avatar is. Because while we're talking about syndicators, ultimately, if you want to scale your property management business, I presume you're trying to scale with folks who are looking for third party management and the best option for that. OK, and let me back up. had one of the guests out of a podcast some years back, ⁓ Ashley Wilson. Love Ashley. As you said, something really changed when I thought about the business.   And she said the best way to find any vendor, any vendor is to figure out who relies on that vendor next and ask them for referral. So if you think about it, if you want a great drywall person, ask a painter. A painter is going to know who's great at drywall because they're going to know who makes their job easy and they can come in and just start painting versus a drywall guy who maybe doesn't, you know, you know.   Jason Hull (42:38) I like it.   John Casmon (42:55) mud the drywall properly or doesn't sand it down. So they got to do all this extra work before they start their process. Right. So a painter is going to know a great drywall guy. And in this case, it's really hard on ⁓ the property manager because you guys are the ones who do the work. But if you are looking for syndicators, OK, well syndicators, person who buys the deal. Well, who sells the deal? A broker. Find brokers. Go to a broker, commercial multifamily broker and ask them, hey,   Jason Hull (43:01) I love this.   Yeah.   John Casmon (43:25) Do you know some groups or you have properties that you're going to list? Here are the kind of deals we want to do now on the flip side of that. You got to be good at your job, right? You got to sell yourself and share what you do. So if you've got a great track record, a great resume, showcase that, bring that broker through and let them know, hey, we're looking to scale our property management business here. Here are the kind of assets that we want to manage. If you come across any of these that you're going to list, would you mind keeping our main name out there or referring us or giving us introductions to any of those buyers?   Jason Hull (43:53) Yeah.   John Casmon (43:54) so that we can throw our hat in the running to manage these properties. That's a phenomenal way to do that. And it allows you to shine and expand your relationships in your core networks and in your core markets.   Jason Hull (44:06) Brilliant. think I love the, I love Ashley's idea that you shared, you know, the drywall. Yeah. The painters, like they don't want to be painting over a crappy drywall. They're like, this is a mess. Like this doesn't even look good in my job. Now I'm going to look bad. Yeah. So the brokers know who maybe those best syndicators are. And so they could just go to the brokers and say, Hey, who's, who's doing deals like this? Who who's got things going on? Like who could you connect me with?   And I avoid maybe.   John Casmon (44:36) And on top of that, keep in mind, too, like what   are the times when? Yeah, but think about to like when is a property hiring or bringing on a new property manager? Right. So it's either a current owners firing the existing property manager or the property is being sold. Right. So, I mean, if you can get in during that transition phase, that's going to help you tremendously. And if even if they're firing their existing property manager, you can think through, OK, how do I?   Jason Hull (44:51) Yeah. Yeah.   John Casmon (45:06) work myself and get my name out there. And a lot of times, again, you're going to ask, right? You're going to ask other investors. If I were going through that process, I'm going to call my buddies into space, right? And say, hey, man, having a hard time, my current PM is not working out or we're not hitting our objectives, looking at some other options. Do you have any experience with these guys? What do you know about these guys? Or do you have anybody you could recommend? It's word of mouth, right? So that's what's going to start happening as well. So you kind of have to get out there and network and let folks know who you are, what you do. But you want to be someone who   people can say, yeah, these guys are amazing. You know, they, they only had an eight unit, but they crushed my eight unit for me. I'm sure they kill your 25 unit or your 50 unit. And you've got to start building that rapport and building your reputation in your market.   Jason Hull (45:44) Yeah.   Nice. This is good advice, my friend. So, cool. For those that maybe are investors listening to this show, ⁓ I'd love to hear a little bit about what you do, how you do run your syndication, and how they can ⁓ make things more passive, if that's what they're looking   John Casmon (46:08) Yeah, man. So there are lots of different ways to get in. If you are looking to be more passive, ⁓ high level, here's how it works. OK, so first and foremost, me and my team would go out. We look for the deals. We focus on a really tight radius. So we're in Cincinnati. We like Cincinnati, Columbus, Louisville, Kentucky. Really a two hour radius of the Cincinnati market is where we focus. And right now we actually think there's more opportunities locally. So we're really honed in on Cincinnati right now. But we focus on that once we find a deal.   We reach out to folks in our network. So we have folks in our investor list. ⁓ Once they're on our list, we kind of have a quick vetting process and then we can share opportunities with them. Once they see that opportunity, they get a chance to review it. We like to have a webinar where we answer any questions about the deal. I think for new investors, it's a great way to learn because we have a lot of experienced investors who ask very intelligent, thoughtful questions that   Many first time investors probably would not even think of. And that's a great way to learn, right? And ultimately when it comes to this space, it's really about education. know, it's educating yourself, understanding how you think about risk, how you mitigate risk in your investment choices. And those webinars are a great chance for you to learn about that the first time. Once you've done that, you can go ahead and fill out our official paperwork with our SEC documents.   Jason Hull (47:30) Mm-hmm.   John Casmon (47:30) And then   once you're through there, you can make the investment. But the first thing is just to get on our list, you can have access to the deals. And before you do that, we've actually put together a guide that can help people because I found that when I have these calls, people don't ask great questions. Sometimes they do. But I want to make sure that you are informed and well educated because this is a big investment. You know, this is not a 599 thing. And if it doesn't work out, OK, well, I just wasted six bucks. No.   Jason Hull (47:54) .   John Casmon (47:59) We're asking you to make a pretty large investment, whether it's with us or with others. If that's what you're looking to do, I want to make sure you're well informed. So we put together a guide. It's seven questions you must ask before investing in apartments. You can get that on our website. It's casmancapital.com slash seven questions, but it gets into questions around the market itself, the operating team, what you should be looking for, the deal. What is the story of this property? What's the business plan? And it helps you identify different levels of risk because the reality is   Anything can work, but you want to mitigate risk as much as possible, particularly when you're a passive investor, because you are basically saying, I'm trusting these people to find the right deal and execute. And you want to make sure that you are finding and identifying the right individuals who have a proven track record doing the thing that they are asking to do. When I hear about people losing money in real estate. At least 50, if not 70 % of the time.   Jason Hull (48:35) Hmm.   John Casmon (48:57) It is someone doing something for the first time. It is the first time in the market, first time doing this kind of deal, first time doing this kind of business plan. And. I can't tell you how frustrating it is because it's a big red flag, and it's not to say they can't do it and can't have success. But if it's your first time, I want to see how you're mitigating that right. You want to partner with someone who does have the experience you want. Like there are lot of things that you can do to put the odds in your favor. And when you're a passive investor.   Jason Hull (48:59) Mm, yeah.   John Casmon (49:26) It is not your job to hope. Your job is to analyze the information in front of you and make an informed decision. So this guide can help you do that.   Jason Hull (49:34) Yeah, love it. I'm going to run a quick word from our sponsor real quick. Our sponsor for this episode is Vendero. And many of you tell me that property management maintenance is probably the least enjoyable part of being a property manager and definitely the most time consuming. But what if you could cut that workload by up to 85 percent? That's exactly what Vendero has achieved. So they leverage cutting edge AI technology to handle nearly all your maintenance tasks from initiating work orders.   Troubleshooting, coordinating with vendors and reporting. This AI doesn't just automate, it becomes your ideal employee. Learning your preferences, executing tasks flawlessly and never needing a day off and never quitting. This frees you up to focus on the critical tasks that really move the needle for your business, whether that's refining operations, expanding your portfolio or even just taking a well-deserved break. Don't let maintenance drag you down. Step up your property management game with Vendero. Visit vendero.ai slash door grow today and make this the last maintenance hire you'll ever need.   All right, so John, this is super helpful. love you've got your list. ⁓ You got your webinar, you've got your guide. I would recommend property managers listening to this. If they're curious about the world of syndication, that they start getting into your stuff and seeing how an expert like you is doing this and maybe even get involved in some of the deals with you or something might be a good idea. And they can kind of get a feel for how this works. And then maybe they'll say, I don't want to do what John does.   And I'll just find people that do, but they'll at least understand how they could partner with people like that. then, or they may decide, you know what? John's clever, but I'm clever too. I might be able to figure out how to do this too. And maybe they'll do it too. And, but I think there's a solid opportunity for property managers that want to be in the multifamily space and do multifamily management to find third party people that are doing these syndication deals. They need good property managers and property managers want more doors and they want to grow.   And if you don't, because your business sucks and it's uncomfortable, then reach out to me. I'll help you out. We'll get you dialed in. But ⁓ John, what else would you say to the investors that are maybe they're familiar with this and they've done some real estate investing and they've worked with some syndications ⁓ and they get on your list to do the webinar. What would you say to them next?   John Casmon (51:56) Yeah, I think the biggest thing is understand what you're looking for. You know, I think one of the biggest challenges for investors is when you can't pull the trigger, it's typically because you haven't figured out what you're solving for. Are you looking for passive income? So you're just looking for a cash flow? Are you looking for long term wealth appreciation? Are you looking for tax benefits and to reduce kind of your tax liability? Do just want to diversify? Maybe you got feel like you have too much in a stock market, just like we put something somewhere else. So.   Figure out what you're actually solving for. Understand your risk tolerance, you know, because every deal is different. In our case, we do value add B class deals. That's a fancy way of just saying we like properties that already making money that are solid, solid tenant based. Think of when I say B class, I'm thinking of all stuff that was built maybe 30 years ago, maybe 40, maybe 20 years ago. Stuff that.   your teachers, your firefighters, your police officers, places where they might rent. So desirable locations, not luxury, not super high end, not, you know, super courts, everything. ⁓ But, you know, places that you would want your kid, your kid was in college, places you would be fine with your kid living, right? So you're thinking about that stuff. That's, you know, I don't say affordable stuff. That's not crazy price. So that's kind of what we focus on.   Jason Hull (53:15) So would   that be like, is that how you find the best markets then?   John Casmon (53:21) That's part of it. That's our strategy. There are different strategies that people utilize. I have found for us that is a sweet spot where we can take those kind of assets, modernize them and create value for potential renters. Some people like to focus only on they call it core plus right where they're buying newer stuff, stuff built five years ago or three years ago. And maybe it was, you know, leased up and they're just going to go in and hold it longer. You'll find other ways to add more money through amenities.   Jason Hull (53:35) Okay.   John Casmon (53:50) So some people do that strategy. Some people like older properties where they're buying more distressed or much older properties and are trying to fully renovate them and bring them up. There are strategies out there, something like new construction, stuff that doesn't exist. They want to build from the ground up. So it really comes down to you. Every investing strategy has a different level of risk. This has nothing to with real estate, right? This is investing in general. you're buying, you know, know, value stocks versus growth stocks versus Internet, it's the same stuff, right?   So you just have to figure out your level of risk. We like value at B-class multifamily deals. Once you understand your level of risk and balance that with your return expectations or projections, that's when you can figure out which investments actually make sense. You know, I have some folks who they like to invest in what we call trophy assets. And...   They may not know that right away, but when you send them a couple of deals and they look at the property like, ⁓ it's okay. They want something. They want something they can brag about. They want to drive you by like, see that building over there? That's me. And if that's fine, if that's what you want, understand what comes with that, right? That's going to be a lower term, right? Because these are, there's not much value to create, right? You've got a brand new property. It's A class, rents are $2,500. There's not a whole lot you can do there. And because of that,   Jason Hull (54:49) Yeah, they don't want to show that off. Look what I'm connecting.   OK, right.   Thank   Yeah.   John Casmon (55:13) There's not as much risk. So you're going to get less return because there's less risk. That's fun. Some people want to maximize their return, right? Hey, I don't need this money. I want to let it ride for 20 years. So they might want to do new construction or they might want to do a deep discount, highly distressed vacant property that needs, you know, $50,000 per unit to renovate it and turn around because the upside is there. So it just depends on that investor and your level of risk. Right. And most of us fall somewhere in the middle.   Jason Hull (55:27) Thank   John Casmon (55:43) which is kind of our strategy. figure out your level of risk tolerance, what you're looking for. And sometimes you don't know until you start looking at a Because you might think you're a cashflow person until I show you what cash flows. And you're like, oh, no, I don't want to be in that de

Black History Month didn't start as a celebration. B Daht explains what the historybooks were getting wrong long before February ever became a thing.See omnystudio.com/listener for privacy information.

109 Kitzur Shulchan Aruch Yomi 57:6-58:7 [Fragrances. Atzei, Isvei, Minei Besamim. Correct Berachos]

The Smarter Way To Pick Winning Stocks  Podcast: Find out more about Blueberry Markets – Click Here Find out more about my Online Video Forex Course Book a Call with Andrew or one of his team now Click Here to Attend my Free Masterclass Checkout the Tykr Platform here. #624: The Smarter Way To Pick Winning Stocks In this video: 00:14 – Sean Tepper – found of TYKR 04:55 – How does this software help? 08:50 – TFTC also helps create successful traders 12:25 – Is social media helpful? 16:20 – Multiple brokers or one? 22:18 – TFTC creating a trading bot program 28:16 – 60,000 stocks analyzed 32:45 – Contact Sean Andrew Mitchem Hello, everybody. It’s Andrew Mitchem here at The Forex Trading Coach. And today I’m really pleased to be joined by Sean Tepper, who’s the founder and the CEO of Tykr. Welcome along. Sean. Sean Tepper Andrew. Good to be here. Andrew Mitchem Awesome to have you. Sean, could you introduce yourselves to everybody and let us know who you are and what you do and what we’re going to talk about? Sean Tepper – found of TYKR Sean Tepper Sure. Yeah. My name is Sean Tepper. I’m the founder of TYKR, as Andrew said. And long story short, TYKRs a platform that helps people buy and sell stocks with confidence prior to that. My background is about 20 years in tech, 15 years investing, and I kind of created TYKR as a solution to a frustration in the markets. Sean Tepper And we could dive into what that frustration is, if you’d like. Yeah. But yeah, I had to create a solution because it was very hard to make decisions when I first got started. And that’s where really TYKR came from. And, but yeah, fast forward to today. We’ve got a little over, 13,000 customers in about 50 countries, including where you’re based. Sean Tepper New Zealand. Andrew Mitchem Oh that’s good. Yeah. So you had 50 countries. That’s a that’s an awesome effort. And, and Sean, I was reading about, you know, you started, on your website says, in, you know, 2011 to 2015, you were trying to figure out what wasn’t there to help you. What did you find back then? Was the biggest frustration that led to TYKR happening? Sean Tepper Yeah. So when I first got started, you know, I think I joined E-Trade. And, you know, there’s so many brokers these days, it’s hard to keep track of. But as soon as I joined, I had no idea what to do next. So I started going on YouTube researching where do you go to invest? Like looking up different investing platforms? Sean Tepper I found a few of our competitors, like Seeking Alpha and Motley Fool, and they do a fine job, but it’s still very difficult to truly know the difference between a strong stock and a weak stock is is very frustrating. And for context, my background is in tech, but to go, layer deeper, it’s actually in process engineering. Sean Tepper Like I’ve worked a lot for GE and Koehler. And the rule is in process engineering, if you have 100 data points, you cannot present that to a customer or an executive. You have to roll it up to ideally a binary decision like yes or no or a traffic light. And I was complaining at that time, like, am I the only one complaining about the fact that there’s no process engineering lens layered over investing like, this is insane. Sean Tepper Like nobody’s making it easy. And that was kind of the green light I was thinking of, like, hey, if I could figure something out here, I think the big solution is a create a process engineering solution in the world of finance and apparently I’m the only one really doing that today, other than the few platforms that say buy or sell. Sean Tepper But I don’t really recommend that. But yeah, that was that was the beginning. And it took about a year to build this Excel sheets. And I give you context here, I found a lot of inspiration from Phil Towne. He wrote a few books on value investing. Do you know Phil Towne? Andrew Mitchem No, I don’t know. No. Okay. Sean Tepper Your your audience may be interested. He wrote a book. One of them is rule one. The other one is payback time. I really provided some. Yeah, yeah. You know, rule one investing, Warren Buffett. We can talk about that. But, yeah, I, I found some of the calculus in his books, put it into Excel, and I ended up coming up with about 50 data points to analyze the stock. Sean Tepper And then on top of that, I created a traffic like rating system where stocks are either on sale, watch or overpriced. That’s green, gray or red. And I used it the next 4 or 5 years on my own, making returns between 15 and 50%, and my returns still fall in that range today. Our customers actually fall in that range as well. Sean Tepper But yeah, I, I wanted to make sure I’m using my own money testing it to make sure it works, not just like four weeks or four months. I went like that over four years. And then it was 2019 was the inflection point when I’m like, I think I’ve got a solution here, but let’s just confirm. Sent the sheet to a few of the retail investors and everybody’s like, I’m not going to use this Excel sheet. Sean Tepper This is insane. You got to create a software. So that right. That was the green light. Let’s go create a SaaS platform. And took a year to build the first version. And the first version was not pretty. But yeah, fast forward to today. That’s where we’re at. But yeah. Andrew Mitchem They Nimrod when you look back on them. Sean Tepper Yeah, right. It was like the, the metaphor I use is it felt like I was building a physical prototype made of like, and duct tape and cardboard. It was not pretty videos. It’s pretty ugly. But you get feedback from your customers and you just keep making it better, and it actually turns into something. How does this software help? Andrew Mitchem So, yeah, awesome. That’s brilliant. So fast forward then to today. Why would someone come and use what you have and I suppose in a practical basis, how does it help them? What are they. What do they input? What do they use to make decisions for them? Sean Tepper Sure. Yeah. So I’ll give you some of the the subjective reasons and then we’ll get into the objective and why that’s actually important to our, our broker partners. But our rating system again process engineering, it doesn’t sound very glamorous, but the concept of making decisions very easy for people, it is very true in most industries. So we we use the process engineering lens. Sean Tepper Plus we take a lot of inspiration from Duolingo for language learning in our opinion. Like what? They’ve got over 600 million users. They’re doing something right. We’re teaching people how to learn a language with these micro learning modules. And I’m like, we need to do the same thing in our platform, but it’s got to be investing focused. So we’ve got these modules peppered around that quickly teaches people how to invest in you put the two together, the rating system, plus the simplified education that helps people. Sean Tepper And it’s not our guarantee, but it’s it’s something we let people know upfront that 90% of customers is actually over 90. But we say 90% of customers that use TYKR are able to go from a beginner to confident an investor in 14 days or less. It’s very quick. Wow. And what does that mean from an objective standpoint? And this is what matters most to brokers, which is most brokers we’re talking to have two big problems. Sean Tepper And number one, very little transaction volumes, like somebody will join on day one and they’ll wait three months or six months or nine months, and then make another trade. And the other issue is the average account size is less than 5000. While with TYKR after five years. Now we’re we track like a lot of data points to see our, investors behavior. Sean Tepper And typically people make 30% more transactions after joining TYKR. And their average account size is about $180,000. So what that tells us is and it tells. Right. So these people are their confidence is skyrocketing and they’re adding more money from their checking account or their savings. So it’s not sitting in a low interest vehicle. So so there you go. Sean Tepper That’s how we’re different. I’ll give you one more way where different in your audience may appreciate this is TYKRs. Calculations are actually open source for personal use. And the SEC really likes that. Like we had an audit done to make sure we fall in that publisher exclusion category. We could talk about that in a minute, but making sure we’re not we’re not giving financial advice, but this firm we’re talking to and we had another we’re actually had two firms. Sean Tepper Take a look. They were both very impressed that we we put those calculations out and I’m like, I’m, I’m actually not concerned anybody’s going to take it because it’s even though it’s relatively simple math, it’s a lot of it. And try to put together in a software what would take you a really long time. So fortunately nobody’s tried to duplicate it. Sean Tepper But the calculations are out there. Andrew Mitchem Yeah, well, for the sake, I was looking on your your purchase, page. Your pricing page. For the sake of $50 a month, you just use it. Wouldn’t you? Rather than trying to reinvent it or. Sean Tepper It exact right at the base price is like, you’re saying 15, 15 bucks a month or 99 a year? You’re right. It’s like, oh, okay. So here’s the here’s the calculations. Yeah. I’m not going to reiterate. That’s where it. Andrew Mitchem Is. I mean in in lifetime working it out will spend $100 a year same. Sean Tepper Same prices Netflix their. Andrew Mitchem Data. Exactly. Yeah a lot more educational. Yes. Sean Tepper Yes. TFTC also helps create successful traders Andrew Mitchem Thank you. So it it sounds like although we’re in, slightly different markets within the overall similar markets now, we have something very similar going on, which is amazing is we’ve never met obviously, before, you know, 20 minutes ago, and that we find that our clients would be very similar to yours. The average forex person’s out there, small account, scared to trade, or they do the opposite and they do silly things and they make us even money and then lose it all, which inevitably happens. Andrew Mitchem And then they blame the break on the market. And that’s where we find our clients are different as well. You know, they have confidence that low risk approach. They they know what they’re doing, what to look for, when to do it. And therefore when they go to a broker brokers out there because, you know, the client’s got a hugely, bigger account and trading more often. Andrew Mitchem So it’s incredible how education and lack of it can affect so many people in this. Seriously. Yeah. It’s crazy. Yeah. Now, Sean, you mentioned, about the no financial advice, you know, situation. And again, coming back, that’s where we’re similar, you know, what’s your take on the no financial advice? Sean Tepper Yeah. So with the SEC, there’s I don’t have the exact, it’s like rule 102-5 or whatever. I’m making that up. But yeah, they’re essentially three rules you have to follow with staying in the publisher exclusion category. And there are companies and there are guys out there, some women as well, that they they get into some some shaky ground or gray areas where they push the envelope and they can get into some some big legal trouble. Sean Tepper So the three rules really go as follows. Number one is all information has to be factual. Like we can’t say like, hey, because I like x, y, z CEO, I think the share price is going to $2,000 a share. That’s crazy. We have to present the data like everything we do is really based off the fundamentals. We don’t cook any books. Sean Tepper We don’t skew the financials. It’s like, hey, here’s the EPS, here’s the revenue, here’s the net income, here’s the debt. Bam, roll it up to our calculations. And there’s your score. Keep it very simple right. Number two is and this is actually pretty easy to follow is we can’t ask our customers their age their risk level when they want to retire and then give them recommendations based on that criteria. Sean Tepper That is described as personalized financial advice. So very easy. Like okay, so don’t ask those personal questions. And number three everything has to be regular. And what does regular mean. It means all information we we put out has to be like every day or every week, which it’s we update our data every day. We can’t do and this is a common problem with a lot of discord and WhatsApp groups. Sean Tepper And so I’ve been told from the SEC, which is pump and dumps, is like, hey, go buy as much of GameStop by Tuesday. And then the very next day, without telling anyone, they’ll go sell a bunch of GameStop or whatever stock they they can come up with. And that is actually a common issue because you can make a lot of money in short order. Sean Tepper So, yeah, no, no irregular posting. It has to be regular posting. So yeah, those are the three rules with the publisher exclusion. And to be honest with you, but actually pretty easy to follow. Is social media helpful? Andrew Mitchem Yeah, yeah. That’s good. Do you find you mentioned on social media type of apps? Do you find that those, causing problems generally for people because they just think they’re going to find something that’s going to solve all their life’s financial problems? Sean Tepper You mean like our customer is going on social media and reading comments. Andrew Mitchem To make sure customers, but just general people out there and in general isn’t there going to find some app and follow something and it’s suddenly going to give them all the magical answers? Sean Tepper No. In general, I think most people are skeptical, which I think is good. They’re not going to like, you know, like, for example, they’re not going to come to tinker right away and be like, oh, this is this is my savior. That’s that’s not the case. We want people to be skeptical. And we always tell people like, don’t like, I’ll talk about Tinker all day, but don’t even take my word for it. Sean Tepper I always say, go to Trustpilot, see what our customers have to say first before you even think about it. And then our model is, it’s a trial 14 day trial. And then we also have a 30 day money back guarantee. So even when your credit card is charged, if you want to refund, we’re not going to fight you on it. Sean Tepper It’s like it’s 15 bucks. That’s right, that’s right. It’s like we’re not going to split hairs on this, but it’s like you want to create a platform that it’s very easy to join is very easy to learn about. You can see what your customers are saying. It’s easy to test drive. Those are kind of the boxes I like to check when I join a platform because I’m using other software to build TYKR, whether it’s a marketing software or analytics or email marketing or whatever, right. Sean Tepper I want those things. So I’m like, I’m going to do the same thing with my own platform. But coming back to the skepticism, I think it’s good. It’s good to have a healthy amount, and it’s good for people to not only, like join TYKR, but go have like join our competitors, see what they have to say. And sometimes you’ll get things to line up like let’s say it’s a stock you really like and you’ve got, you know, TYKR, Motley Fool and Seeking Alpha are all like, hey, this is this is a strong stock, not a buy stock, but its financials are strong. Sean Tepper That creates layers of confidence is how we phrase it. Yeah. Creating those layers of confidence gives people more confidence to move forward. Andrew Mitchem Yeah yeah that’s good. And I noticed also on your on your offer there that you talk about cryptos as well Matt. Obviously it’s the, the big thing that people want to talk about and we’ll see more recently we’ve seen some big drops as well. Yeah. How, how do people finding using your software or on cryptos. Andrew Mitchem Because it’s, it’s like one of the markets that we kind of cross over on. Sean Tepper Yeah. So with crypto we weren’t originally going to add it to the platform, but a few people were like, hey, can you add crypto from a tracking perspective? Now for context, we have three assets in TYKR. We have stocks, ETFs and crypto ETFs. It’s easy to analyze because it’s really just a bundle of stocks. So we analyze each individual stock. Sean Tepper We roll them all up. If it’s let’s say 500 stocks within an ETF. You can create you can calculate what is the average score within come to that on sale watch over priced. But when it comes to crypto as you know there’s no income statement cash flow statement A balance sheet is not a business, it’s just a digital asset. Sean Tepper But again, we had customers that were like, hey, you got a lot of good tracking tools, like you can set alerts on my dates and prices and really anything you want within TYKR. And so they’re saying like, can you add crypto within so we can keep track of all of our favorite assets in one clean location. And my response to that was, oh yeah, no problem. Sean Tepper We’ll add crypto to this tool. But there’s not a lot of analysis you can do there because again, it’s not a business. Multiple brokers or one? Andrew Mitchem Yeah, yeah. Fair enough. And also I noticed that you said about the broker connection. So one of your pricing models, that’s one broker three and five. Correct. What would be the reasons around someone needing, say, three brokers or five brokers as opposed to one. Sean Tepper Yeah. So the reason is typically your employer is going to issue you A41 like here in the states, of course, we get A41KI don’t know, in New Zealand you call it a pension like they do in, Europe. Andrew Mitchem Yeah. Kiwisavers called but yeah it’s that has is our name. Yeah. Sean Tepper Okay. Exactly. So you’re going to have that is going to be one retirement vehicle. And that’s typically set up with like here in the States. The two big ones are typically fidelity and Empower. There’s also Schwab. But then you’re probably going to want to do some trading on your own. So then here in the States some of the popular choices are Robinhood. Sean Tepper You’ve got E-Trade, you know. So there’s your second one. And then sometimes you’re going to have like an inherited account from a family member, you know, that could be on a different account. And if you don’t roll it over to your current broker, well, guess what? You’ve got a third broker sitting in place. But I get this. I’ve talked to people that have they’ve had more than five different brokers on my response. Sean Tepper So that is why. Yeah. So. Right. It’s it’s it seems unorganized. But we created the three tiers the premium premium plus an advanced premium. You get one broker premium Plus you get three in advance. You get five. We usually like 99.9% of the time. We don’t see people with more than five brokers. But like for example, between my wife and I, we have like we have three. Sean Tepper So yeah. Andrew Mitchem Okay. So with this allows someone to make their analysis and then connect directly through to that broker via your software. Is that how it works. Sean Tepper Yeah. Yeah. So yeah when when you join your broker and we’re really good complement to a broker will never replace it. We don’t want to be a broker dealer. That’s a legal name for their business model because we don’t hold any assets. We don’t hold people’s money. We’re just analytics. So yeah, when people join, you can sync up with your broker. Sean Tepper And what that does is it automatically updates your portfolio in TYKR every day. And it’s a much cleaner interface than most brokers out there. I, I’m never going to talk down about brokers, but it’s like their job is to protect people’s money. But when it comes to analytics dashboards or giving, like education or analytics, it’s that’s not their specialty, nor will it really ever be. Sean Tepper So we fill that gap, we complement and we make it easy to see because some people are like, I don’t I don’t actually know how much money I have because the dashboards in my broker’s so hard to use them, like just sync up your account TYKR and it’s going to kind of summarize it for you. Yeah, yeah. Andrew Mitchem That’s interesting. That makes a lot of sense. Makes life easy for people. And also I see that you have a mobile app. So can someone get the exact same information on the app. But they can all the desktop. Sean Tepper It’s pretty much the same experience. We try to release our features, if not the same day within the next week or two. Like if we need to deploy something to web or web app, we try to do the same thing to the mobile, that allows people to write. They can kind of analyze stocks and the gold or standing in line somewhere at Starbucks, whatever. Sean Tepper The mobile app, I will say this has an additional feature, which is the Duolingo inspired learning modules that kind of like swipe right, swipe left type feel. We don’t have that in the web app today, but we’ve had a few people say, hey, can you also add that to web? Well, that’ll come soon. But yeah, it’s pretty much the same experience. Andrew Mitchem And what’s the AI investing helper that’s not like yeah, humming live. Sean Tepper Oh, that could be going live. Well, recording this video is, February 9th. That could go live on the 11th. Okay. So that’s a feature where you can, like, interact with where you’re going to be the first to hear about it here. So it’s it’s an AI tool where you can ask questions like how do I get started? Sean Tepper Or what should I do with my first thousand dollars? Or, what when is the best time to buy or best to sell? You can interact with AI and it’s actually connected with TYKRs, data set, but also the the globe and it’s put a lot of rigor, rigor into place to make sure it’s not giving you financial advice, but it’s really leaning into giving you the data and TYKR. Sean Tepper So it’s for example, if you were to ask it, hey, can you tell me how to value a stock? It’s going to first go to TYKRs data set. And with the education and give you that information. And then some general information. You know that makes it sound nicer. And then kind of spit it out. So yeah, eventually we’ll release in multiple phases. Sean Tepper So the first phase we call the helper, the second phase is the portfolio builder in a will build hypothetical like for example, build me a portfolio of ten strong tech stocks or buy food stocks or car stocks, something like that. Yeah. And of course it’ll say this is not financial advice. This is a hypothetical portfolio. But yes. And then the third phase will be an analyzer. Sean Tepper So analyze my current portfolio. Like what changes would you recommend. And that that’s going to be really, really cool. So with I will say this and then I’ll stop talking. It’s a powerful tool because it can analyze large data sets in a short amount of time. But as we say at TYKR. And this is why when I become self-aware like Skynet, I’m going to be the first one to be targeted. Sean Tepper Right? It’s, it’s smart, but it’s not that smart. So you have to put a lot of rigor in a place, a lot of guardrails, because it can, as you know, hallucinate. Yeah. So we are bouncing AI up against logic and mathematics to make sure it does not say something stupid to our customers. TFTC creating a trading bot program Andrew Mitchem That’s interesting. We’re in the middle of all we’re saying in the middle. We’ve been testing this live for over a year of getting AI to create trading bots for us, and what it’s doing is it’s spitting at a heap of bots and going through, sort of live trading on, on, you know, that are not real money. We’re trading on the money. Andrew Mitchem And then each week, we’re using the human aspect, the common sense and the knowledge that we look at as technical traders to pick which bots we’re going to be running live for subscribers for the upcoming week. And, and we’re finding that that combination of using the AI for that speed and, you know, doing the, the hard work. Andrew Mitchem Yeah. And giving us some information. But like you said, the guardrail becomes the human input in the common sense of what we’re seeing as technically on a chart. There’s no point in, let’s say, say Bitcoin over the last few weeks has been, you know, crashing. So nicely. There’s no point in us selecting bullish, crypto bots for the upcoming week when there’s technical traders. Andrew Mitchem We’re looking at it dropping. So I find that adding a bit of human common sense and knowledge, along with the AI at this stage is a really nice combination. Sean Tepper You got to do it right, and you probably seen the, the bad choices some people have made. If you let I make all the decisions, you can pull yourself into a, really bad situation. Especially. I like what you’re describing with your bots or those bots actually executing trades. Andrew Mitchem They they can, but we are more trying to set it up so the individual gets the alert and still needs to manually go yes or no as well. Good call. Because I don’t want to get into that situation where it’s completely, you know, automated, although a lot of people are want it all automated. My job as someone who teaches people is you still have to have that knowledge first to understand how to run the bots and to make a commonsense decision. Andrew Mitchem Is it making a good call or not? Sean Tepper Yeah, I’m good answer there, because the other hour I was talking to one company that was have was looking to have AI execute trades automatically. I’m like, whoa, what if they just run with the line and it’s like, go right? Like if rapid fire trades for an hour or two, it’s like, yeah, put some people in a bad situation. Sean Tepper So yeah. Andrew Mitchem Anyway, yeah, we’ll avoid that. We’re both avoid that. Yep. Yeah, exactly. I use it for the hard work and still use the brain. And that’s the thing, isn’t it? You know, what you created and what we’ve created. We’re about educating people, empowering people to use their common sense. Because I still think, after all, it comes down to it, there’s nothing better as a human, as an individual to have that, that how and that it’s almost like that feelgood factor that I know I can analyze these markets and make sound decisions and do well, you know, that’s you, you. Sean Tepper You, yeah. You just hit on the, the number one thing our customers care about like in and this will give you and your audience a little moment for me when I first created TYKR, especially the Excel sheet, I was all about getting better returns. I’m like, well, if Warren and Charlie can do it, I can do it. Sean Tepper Well, when I went live, that was my focus. But then after talking to a few customers, I’m like, they don’t agree with that. There’s actually something more important. And fast forward, I probably talked to a few thousand customers by this point over five years, and the number one thing they care about is confidence. Now, having confidence to literally do it on your own. Sean Tepper That is the home run. Feeling that supersedes, you know, getting good returns any day. Like people sleep better at night. Just knowing that, Shawn, I, I can do this on my own. That is what I’m looking for. I’m like home. So we even though the returns in tech are good, like, we actually lean into confidence. Like how do we give people more confidence is actually the bigger priority now. Andrew Mitchem Yeah, yeah, I, I fully get it. You know, we’ve been operating since 2009. Come on, Ryan, the Ryan run around the world in 111 countries and the same thing we we asked people, we, of course, you know, want to know why people join. And then we follow up after three months, six months, year, two years and keep asking people it’s the community and that knowledge of knowing what you’re doing for yourself, to have that control with low risk and, you know, really good outcomes. Andrew Mitchem But up here and then I say to people, trade any trading into, investments is emotion, isn’t it? Your head in your heart. You have to control those two. And what we’re doing is providing platforms or education platforms to allow people to fulfill that, that dream successfully and safely. Sean Tepper Yep, yep. Andrew Mitchem So it’s huge. Yeah. We can have all the AI and all the risks, all the all these flash gadgets, but ultimately it still comes back to that human wanting to have confidence in what they’re doing with their own money. Sean Tepper That’s it. Yeah. Andrew Mitchem And no. And also not just handing it over to someone as well. I think it’s important. Sean Tepper They add it and it’s actually you’re kind of alluding to this. It’s in people’s best interest to let’s say AI does 90% of the work. You want to be the person you want the human being finishing that process? Yeah. Because they, they ultimately it’s it’s better for them from an educational standpoint and from an, confidence standpoint, like they should know what was done. Sean Tepper But now, I control things. I get to execute the trade. Yes. You know, that’s right, that you want people to have that power at the end of the day. 60,000 stocks analyzed Andrew Mitchem Absolutely. And the, your software obviously does a lot of analysis just to give myself and viewers and listeners a ballpark figure. What kind of number of stocks is it kind of looking at and analyzing? Sean Tepper Sure. Okay. Yeah. So we’ve got about 60,000 stocks in TYKR around the world’s. We are up. Yeah. We’re upgrading. They’ll get this in the next month or two. We’re switching our data provider. So we’re going to have in the states real time pricing. You will have 15 minute delay. But then we’re going to have actually I can’t guarantee all stocks around the world, but most that’ll bring us closer to about 75,000 stocks around the world. Sean Tepper And then we’ll also have most ETFs around the world, which I think is closer to about 10,000. I could following in that Bow Wow. Yeah. No wonder. Andrew Mitchem They need analysis software that. Sean Tepper Yeah, right, right. It’s what we do. We run into circumstances when people, you know, they’ll join from a smaller country and they’ll be like, hey, you don’t have any stocks from our country. Winner may arriving. So it’s a lot of those requests and it’s like we knew we had to get to this point eventually. Yeah. But yeah. But then you just give transparency. Sean Tepper We’re looking at Finn Hub is, the data provider that will help us get, the more stocks and ETFs around the world. Andrew Mitchem Wow. So when you see your clients in 50 countries, if, for example, someone was here in New Zealand and they don’t want to be, and 2:00 in the morning to trade the US markets, they could be trading like the Australasian markets. Yeah. So your software. Sean Tepper Absolutely. Yep. Andrew Mitchem Oh, fantastic. That’s really good. Yeah. That, that’s blowing my way. That number. One thing as a currency trader, there’s like about eight main currencies. And so that makes, hence why there’s nothing like this for the forex market. I’m guessing because we can look at charts and read a bit of news and kind of make your analysis voice your, the information. Andrew Mitchem Someone out there with that. Your software is almost got an impossible task. Sean Tepper Yeah. We I was just checking here in tick or how many stocks from New Zealand. We’ve got a little over 187. So, do you know I like the I assume it’s the new New Zealand Stock Exchange. Andrew Mitchem Yes. In Wellington. Nice. Sean Tepper Got it. Do you know how many stocks they have? Andrew Mitchem No. I’m not, I’m purely forex. I honestly don’t know. Sean Tepper Okay. No no worries. But we’ll hopefully fin Hub will be able to get us most from from your exchange. Yeah. But that’s just a good example of like absolutely. You know we again we get a lot of people from random countries like, hey, can you add more stocks from our country? It’s like, yeah, absolutely. We’re we’re on it. Andrew Mitchem Yeah. Well, and also it’s purely that time of day thing, isn’t it. Because the you know, I suppose I get used to forex which is 24 hours a day. It doesn’t matter where you live in your world, you can trade it in cryptos obviously seven days a week now as well. But when you’re talking US stocks, they are, you know, for someone on my side of the world, some quite awkward trading hours. Andrew Mitchem So what you’re providing now would allow me to trade some of the the Japanese stocks, I’m guessing. Oh, and then the Australian ones using the ones now that you mentioned. So you really do open up your product to being truly a global, tool for people. Sean Tepper Exactly. Yeah. Yeah. Andrew Mitchem That’s awesome. Sean, anything else you want to add about what we’ve not covered, about what you can help people with? Sean Tepper Yeah. Knowing that you’re more in the trading world and we’re more investing, I have to say this one detail, which is we do have about 10% of our customers are traders, give or take, and they’ll use TYKR as their starting points. You’re like, hey, let’s see. You’ve got like 100 ideas out there. Well, they’ll use TYKR to narrow it down from 100 down to ten. Sean Tepper Yeah. So that’s one main use case. It’s kind of like the short AI, as it’s been described to me. Is the short list creator TYKRs, the short list for like for traders. So so yeah, I want to add that tidbit as some people are like, well I’m not really into best thing. It’s like, you don’t have to be. Sean Tepper You can just use the tool to, narrow down your search. So I’ve selected one use case. Andrew Mitchem Yeah, that makes a lot of sense. That’s kind of how I was thinking about potentially using it as well. It’s like, makes a lot of sense to do all that, that work and get it down to something more manageable. Right? Yeah. Contact Sean Andrew Mitchem And what’s the best way that someone can contact you to find out more, about what you offer? Andrew Mitchem Sure. Well, how would. Sean Tepper They add, two ways to get in touch with, TYKR or myself? You can just go to tykr.com. That’s TYKR, tykr.com. And then, I’m really active on LinkedIn. Sean Tepper, Sean is spelled the Sean Connery way. Andrew Mitchem Yes. This with the voice. Sean Tepper Yeah. I wish I had strong Scottish voice. Yes. Andrew Mitchem Awesome. Hey, Sean, we’ll put links, of course, up here as well. And we will be sharing this in around the website and social media as well, so people can contact you finding a link here as well. It’s been awesome talking to you. I’ve learned a lot about the market. I don’t know a huge amount, and it’s fascinating to hear what you do and how, you know, you going to make it from when you mentioned 60, it still blew me away. Andrew Mitchem That number, from a ridiculous number of, stocks to help to analyze something in a, in a more simplified way. So, awesome to speak to you. Thank you. Your product looks amazing. I will be trying it. And, Yeah, look forward to it as well. Sean Tepper Thanks, Andrew. This is great. Andrew Mitchem Awesome. Thanks, Sean. Bye for now. Episode Title: #624: The Smarter Way To Pick Winning Stocks Find out more about Blueberry Markets – Click Here Find out more about my Online Video Forex Course Book a Call with Andrew or one of his team now Click Here to Attend my Free Masterclass Checkout the Tykr Platform here.

Episode 511   00:00 Introduction 00:52 Supreme Court ruling on tariffs 02:42 Tariffs will be imposed for National Security (Section 232) & Unfair trade (Section 301) 03:03 Tariff decision reinforces DEREGULATION and Chevron ruling 03:49 AI Apocalypse mutually exclusive arguments 05:10 AI circular investing & money burn 05:48 AI disrupting SAAS software companies 07:31 Kodak disruption was good for the economy 08:34 Skilled Labor won't be replaced by automation 09:17 AI Apocalypse of EVERYTHING 10:25 AI flaw- it's trained on marketing propaganda 11:34 AI can't predict the future 12:52 PROSPERITY- technology reduces variable cost 14:32 AI will create more winners than losers 15:23 AI Apocalypse media narrative is foolishly CORRECT Sign up for free ALERTs & Market Commentary at:  https://www.investablewealth.com/subscribe/ ——————————————————

Welcome to The Daily, where we study the Bible verse by verse, chapter by chapter, every day. Read more about Project23 and partner with us as we teach every verse of the Bible on video. Our text today is 1 Corinthians 5:12. It's easy to get worked up about everything happening "out there." We shake our heads at culture, critique the headlines, and grow frustrated with people who don't follow Jesus—as if their choices should shock us. But before Paul gives direction, he gives clarity: you can't expect the world to live by a standard it never agreed to. For what have I to do with judging outsiders? Is it not those inside the church whom you are to judge? — 1 Corinthians 5:12 Paul tells the Corinthians to stop policing people who don't claim Christ. Unbelievers behaving like unbelievers is not a crisis. It's expected. What is a crisis is when believers behave like unbelievers and no one says a word. When Christians focus more energy on condemning the outside world than shepherding their own community, everything gets upside down. Jesus didn't police the world—He moved toward it. Paul didn't police the world—he preached to it. The early church didn't police the world—they loved it and reached it. But inside the church? They confronted sin, practiced discipline, and protected one another with humility and truth. They judged behavior not to shame but to restore. That's the difference. Many believers today get trapped in endless cycles of judging outsiders. We complain about politics, cultural decay, Hollywood, the news, and the morality of people who don't even claim to follow Christ. Meanwhile, friends we love are drifting, compromising, and slipping into patterns that are far more dangerous—and we stay silent. We end up policing the wrong people and ignoring the ones God called us to shepherd. The real problem isn't worldly people acting worldly. The real problem is God's people acting worldly and no one having the courage to intervene. Policing outside breeds resentment. Policing inside breeds restoration. So what does it look like to lovingly "police" believers in a biblical way? Ask honest questions instead of assuming everything is fine: "Hey, you seem distant lately. How are you doing spiritually?" Address what you see, not what you hear: "This is something I've noticed myself, and I care too much not to bring it up." Correct gently and clearly: "I'm saying this because it's dangerous for your walk, and I want to help." Refuse to normalize what God condemns: "I can't pretend this is okay. I care about you too much." Aim for restoration, not embarrassment: "I'm with you in this, and I'm not giving up on you." This is policing with a shepherd's heart—firm, honest, and aimed at rescue rather than ridicule. It's the kind of accountability that leads believers back to health and strengthens the whole church. DO THIS: Choose one believer in your life who may be drifting. Pray, reach out, and take a loving step toward honest conversation or gentle correction. ASK THIS: Where have I spent more time judging the world than shepherding believers? Who in my life needs loving accountability right now? What step could lead someone I love toward restoration instead of ruin? PRAY THIS: Father, help me stop policing the world and start loving, correcting, and restoring the believers You've placed around me. Give me wisdom and courage to speak truth with humility and protect the purity of Your church. Amen. PLAY THIS: "Take My Life and Let It Be"

Some guy got it started by claiming the right order is: Shampoo and rinse . . . wash your face . . . apply conditioner . . . wash your body . . . then rinse the conditioner out

Have we learned how to shower the CORRECT way by now?

See omnystudio.com/listener for privacy information.

Should you ever correct your spouse? The Bible says you should, and it tells you how (Gal. 6:1-3). First, you must not be just frustrated and fed up, but “spiritual.” Second, your goal must not be to humiliate, expose, or “win,” but to “restore.” Third, you must bring correction in a “spirit of gentleness,” not anger. Fourth, you must examine your own heart, “lest you also be tempted.” And, finally, you must “Bear one another’s burdens, and so fulfill the law of Christ” (Gal. 6:2) — so whenever the problem persists, you’re called to be patient and longsuffering. Correcting your spouse is sometimes called for, but it must be done carefully, this way (Gal. 6:1-3).

Do your Luxembourgish sentences sometimes feel… a bit flat?Take this example:

In 1947 Dave Pace spiced up America with Salsa and this turned into a 90 Billion Dollar category. Dave Young: Welcome to the Empire Builders Podcast, teaching business owners the not so secret techniques that took famous businesses from mom and pop to major brands. Stephen Semple is a marketing consultant, story collector and storyteller. I’m Stephen’s sidekick and business partner, Dave Young. Before we get into today’s episode, a word from our sponsor, which is, well, it’s us, but we’re highlighting ads we’ve written and produced for our clients. So here’s one of those. [ECO Office Ad] Dave Young: Welcome back to the Empire Builders Podcast. I’m Dave Young here talking to Stephen Semple. And the listeners may not know this because we only release these every week or so, right? Stephen Semple: Mh-hmm. Dave Young: But we often record them one after the other. And we just got done recording the episode about Doritos and Tostitos. And now you’re telling me that we’re going to talk about dip, Pace Salsa. Stephen Semple: Pace Salsa. Yeah. Dave Young: So the picante sauce people. Stephen Semple: Correct. Correct. Absolutely correct. Dave Young: And that’s great with Doritos. Stephen Semple: I never thought about it being with Doritos. Dave Young: Really? Stephen Semple: Tostitos, I would, but not Doritos. Dave Young: How about both? Stephen Semple: Okay. Dave Young: I say you can dip a Dorito into anything. I’m in that camp. I’m firmly in the camp that anything dippable is- Stephen Semple: You’re all-inclusive in your attitude towards Doritos and dip. Very open-minded. Here’s the thing I’m going to say. If someone has not listened to the Doritos, Tostitos story, you really should go back and listen to it before listening to this one because there’s certain things that kind of come together in terms of what’s happening in the world. Dave Young: Like chips and dip. Stephen Semple: And these stories are kind of linked even though this story starts in 1947. Well, the Doritos story starts in the late ’50s. They still have kind of a bit of a shared history. Dave Young: These stories that are on a collision course, a deathening. Stephen Semple: They are. And this story’s also not just about pace salsa, but it’s really about the origin of the salsa in the United States as a category, which is a $90 billion category. And the business was started by David Pace in 1947 in San Antonio and was sold to Campbell Soup in 1995 for $1.1 billion. Dave Young: All right. Stephen Semple: So not a bad little payday. Dave Young: Not a bad deal. Stephen Semple: Yeah. So now David Pace was from Louisiana and he moved to Texas after World War II. He had been running a small food business processing sugar substitutes, which were popular both during the war and shortly after the war with rationing because of the sugar rationing. But as rationing was coming off, what he knew is there was going to be less and less of a need for these sugar substitutes. So he was looking for a new idea. And so we have to remember, it’s 1947, food’s kind of boring in the United States. It’s not diverse. It’s bland. It’s meat and potatoes. The condiment that was used to improve food was ketchup. That was the condiment to improve food, right? And Mexican food was not really a thing. About the only thing that people knew about Mexican food, it was spicy. Here’s the part that I came across that really surprised me the most. In New York City, one of the most diverse cities in the world, and certainly the most diverse city in the United States, there was just one Mexican restaurant in the city and New York at the time. Dave Young: In the ’40s? City. Stephen Semple: In the late ’40s, ’47. Dave Young: Okay. Wow. Stephen Semple: There was only one. That was it. Now, you could get Mexican food in the South because let’s face it, 100 years previous, a lot of parts of the South were part of Mexico, right? Dave Young: That’s right. Stephen Semple: As we like to remind ourselves. So here he is in- Dave Young: Well, Tex-Mex started just spreading in. Stephen Semple: Yeah. So here he is in San Antonio. He was stationed in Texas during the war and he’d settled in San Antonio, but he had never had Mexican food because now he’s off the base living in San Antonio and he tries salsa for the first time. And he’s like, wow, this is great. And he decides he needs to bring it to the market. A couple of challenges he ran into. First is how to make it. There’s lots of recipes around. He wanted to make his own version to sell the non-Mexican, so he wanted to tone down the intense flavors. He also needed to be able to jar it so it had shelf life. Here’s one of the fun challenges he ran into. A couple of the recipes he worked with would ferment once put in a jar. Well, what happens in a jar when something ferments? Dave Young: Botulism? Stephen Semple: No, kaboom. They blow up. Dave Young: Kaboom. They blow up. Okay. Yeah. Stephen Semple: So exploding jars, exploding jars of salsas, not really the objective. Dave Young: That’s never a good look either. Stephen Semple: Not really. But he gets it figured out and he brands it as Pace Picante Sauce. So it was first of all, promote it as a sauce, not a dip. And he starts selling it locally. He advertises it in the newspapers, but again, not as a dip as a sauce, like a marinade, something you brush on meat before baking. That was how it was being positioned. Dave Young: Well, it’s still, that’s the label on the jar is Pace Picante Sauce. Stephen Semple: Yeah. Dave Young: I’ve always wondered about that. He did that so he didn’t have to… Well, go ahead. Stephen Semple: But that was just kind of how he thought about it. And so for over a decade, he works on building up a following in Texas. It was building slowly. He liked spicy food, but most people didn’t, because even though he took the spice down, it was still spicy. Now he hires his son-in-law, Kit Goldsbury, and Kit hates spicy food, like can’t stand it, but still thinks he can sell it. And Kit starts at the bottom working every job and works his way up. And there’s a point where Kit becomes more senior. And Pace is now in five states and is making some money. They’re having some success. Dave Young: Good. Stephen Semple: But Kit’s goal is he wants us to become coast to coast. He wants to turn this into a big thing. But here’s what he notices. It’s too hot for northerners, but northerners want flavor because they’re eating Doritos. They’re eating nacho Doritos and cheese Doritos. They’re eating those things. So it’s not like they don’t want flavor. They just don’t want the heat. Dave Young: Yeah. Stephen Semple: There’s a marker for something interesting, unique, and different, but to go national, he needs to mute the heat. Dave Young: Needs to call it mild. Stephen Semple: Right. And around this time, Tostitos takes off and which is being used for dipping and it’s a massive success. So he decides to lean into the dip angle because he saw what was going on with Tostitos and he said, “You know what? We need to make this as a dip, not as a sauce, but I still need to take down the heat.” So he hires tasters to try all the jalapenos out there to find out which is the one that would work the best. Here’s the problem. Taster’s results were really inconsistent. He goes, “Okay, so I’ve still got to solve this heat problem.” So he hires a food scientist to engineer a heat-free jalapeno. Dr. Rasplicka, I think is how you pronounce his name, who basically created this measurement system for capsaicin, which is about how hot it is. And from this, they were able to figure out how to remove the heat because they were able to identify each one, able to identify the source of it and create this non-heat version of salsa. Dave Young: Okay. Stephen Semple: Now, you jump the gun on it a little bit, as you often do. So remember, while Americans didn’t want heat, they wanted something interesting. So of course they didn’t call it bland. What did they call it? Dave Young: Stay tuned. We’re going to wrap up this story and tell you how to apply this lesson to your business right after this. [Using Stories To Sell Ad] Dave Young: Let’s pick up our story where we left off and trust me you haven’t missed a thing. Stephen Semple: Well, Americans didn’t want heat. They wanted something interesting. So of course they didn’t call it bland. What did they call it? Dave Young: Mild. Well, they’ve got the three. They’ve got mild, medium, and hot. Stephen Semple: Right. And that’s exactly what they did. They had the other spice levels, but they didn’t go with bland. They went with mild. Dave Young: Yeah, yeah, yeah. This the Goldilocks rule, right? Stephen Semple: Yeah. Dave Young: Wow. Stephen Semple: And so therefore, and with mild, everyone can enjoy it. And then of course they offered the other spice levels and they market it as a dip. Very quickly, sales went from $3 million to over $50 million. Dave Young: I can imagine. Stephen Semple: So successful, supermarkets started placing salsa in the chip aisle because it was not in the chip aisle previously. In 1991, salsa passes ketchup as the number one condiment in the United States. Dave Young: Not till ’91. Stephen Semple: Not till ’91. Dave Young: Okay. Stephen Semple: 1995, Campbell’s buys the business for over a billion dollars. Dave Young: All right. Stephen Semple: Now, I forget what year it was. I think it was ’92, but anyway, early ’90s, Campbell’s actually created a Heinz Salsa. Dave Young: Really? Stephen Semple: Yes. And it failed miserably. Dave Young: Sure. Stephen Semple: But if you think about it, we often bump in these situations where companies do these line extensions, right? Where it’s like, “Well, why not? It’s tomato. It’s a condiment. It’s all this other thing. We can do a Heinz Salsa.” Why wouldn’t a Heinz Salsa work? People love Heinz ketchup. They’ll love Heinz Salsa.” It bombed. It totally bombed. Like bombs so much to the degree that it only existed for about three years and they went, “You know what? Instead, we’ll spend $1.1 billion buying a competitor rather than trying to develop our own.” Dave Young: Heinz is what it is and you know what you’re getting. Stephen Semple: But how often do we see that whole line extension happen and it fails? Dave Young: Yeah. Stephen Semple: Right? Like Gerber’s wanting to make adult food. Dave Young: No. Stephen Semple: Doesn’t work. Heinz making salsa. Dave Young: Make adult food and call it something else. Stephen Semple: Coke understood this when they went into the energy drink market because it was not Coke energy drink. They knew that would fail. Coke understood that. They were like, “No, no. Coke’s a pop. It’s a soft drink. It’s not an energy drink. We’re going to have to do something completely different.” But it’s amazing how often businesses will make that mistake of, “Oh, well, we do this thing. Let’s also market ourselves this thing and do this line extension.” And it doesn’t work. It doesn’t work. Dave Young: I think there are just invisible boundaries that if you don’t know them and you try to cross them. And in this case, it’s the style of food, right? Heinz goes on certain things, but it doesn’t go on Mexican food. You don’t dump ketchup on Mexican food. You don’t dump mustard on Mexican food. And Heinz makes ketchup and mustard and relish. Stephen Semple: And pickles. Dave Young: Pickles and all of those things, but they’re definitely not things that you put on Mexican food. Stephen Semple: It’s interesting. I was having this conversation with Michael Torbet, one of our partners, because we’re dealing with a situation with a client, an existing client where we’re struggling with getting them to think about not doing a line extension. And I was sharing with him this whole story of Heinz and we were talking about Gerber and a bunch of other companies that tried to do line extension and have failed. And we got talking about ketchup. And I was saying to him, “Well, I think the reason why it didn’t work because ketchup is something that you put on hamburgers.” But I like how you put it. It’s not specifically about hamburgers, but the foods that you put ketchup on, because again, Heinz is successful in pickles and they’re successful in mustard, but there’s foods where pickles, mustard, and ketchup go together. Dave Young: Yeah. Stephen Semple: And none of those foods does salsa go on it. It’s a different food category that salsa goes on. So you could make salsa and you could probably make cheese and that would actually work. Where you think about it, ketchup and salsa from a manufacturing standpoint are closer than salsa and cheese. Dave Young: Yeah. Those are weird associations. Stephen Semple: In fact, those companies do make cheese. They make cheese with a little bit of jalapeno. Dave Young: Yeah, absolutely. They’re right there next to the picante sauce. Stephen Semple: But I loved how you expressed it, hidden barriers, but they exist. And if you cross those barriers, it doesn’t work. Dave Young: Yeah. Stephen Semple: Yeah. Very cool. I didn’t think about them as being hidden barriers. That’s an amazing observation. Dave Young: Like Rolex should never make a phone. Stephen Semple: Right. Dave Young: Right? Well, phones keep times like, yeah, but that’s not right. Anyway, that’s just an example. There’s just lanes. Stephen Semple: Right. But there’s a couple of luxury watch brands that tried to dip their toe into the smartwatch market and it didn’t work. Dave Young: Yeah. Stephen Semple: And Rolex was not one of them, but I can’t remember who did, but they did and it failed terribly, failed terribly. Part of the appeal to a Rolex is the handmade and craftsmanship and all this other stuff. Dave Young: Well, and I don’t know. I have an Apple Watch and I have an Apple Watch not so much so I can tell time, but so it can do some other things for me. Stephen Semple: Yes. Dave Young: It can notify me. I use the timer function all the time and I could just carry a stopwatch around my neck or some kind of timer. But I also noticed that Apple sells, you can buy really fancy, upgraded, shiny, gold, sparkly, diamond encrusted versions of Apple Watch cases. The thing still does the same thing, but I don’t know how popular that stuff is. I’m guessing it’s pretty niche. Stephen Semple: I’m going to guess it probably is. And again, it’s not a line extension. It’s an add-on to an Apple Watch. It’s not a different watch. It’s an add-on. Dave Young: I think the guy that’s buying a Patek Philippe… I don’t know. Stephen Semple: Philippe Patek? Yeah. Dave Young: Or even a Rolex. Stephen Semple: Were you? Yeah. Dave Young: You’re not buying it for the same reason you’re buying an Apple Watch of any sort. And you’re not going to be fooled by the glitz and glam of the accoutrement on an Apple Watch into thinking that you’re buying a fancy watch. Stephen Semple: Yeah. Dave Young: It’s still an Apple Watch. Stephen Semple: It’s still an Apple Watch. Yeah. It’s a different thing. Dave Young: Interesting. Yeah. Stephen Semple: Anyway. Dave Young: That’s a fascinating subject to just these invisible barriers. Stephen Semple: In a great book that covers this a little bit is the 22 by… Is it Al Ries and somebody? Dave Young: Trout and Ries, 22 Immutable Laws of Branding. Stephen Semple: Yeah. And one of the laws that they go through is basically don’t do line extension. And they’ve got some great stories in that book around it. And anybody interested in branding, it’s a great… I have it on my desk and it’s a bible I refer to because those 22 laws, yeah, they are like you break them at your peril. With all of Heinz power, it couldn’t extend that and instead gave up and spent a billion dollars buying a competitor. Dave Young: And probably didn’t rename it Heinz. Stephen Semple: They did not. They kept it as Pace. Yeah. Dave Young: And they learned their lesson. Stephen Semple: Yeah, exactly. Exactly. Dave Young: We’ve spent this time talking about Pace and just before this recording, we talked about Doritos, Tostitos. I’m getting kind of hungry. Are you getting hungry? Stephen Semple: Yeah. And of course we also talked a little bit about Taco Bell. Dave Young: Yeah. Yeah. Stephen Semple: As a sidebar. Yeah. A lot of food conversation here late in the afternoon. Dave Young: If people hear my tummy grumbling in the microphone, you know what’s going on. If we weren’t in different cities on the same continent, I’d suggest we go out and grab a bite somewhere, Stephen, but we’ll have to do that another time. Stephen Semple: We’ll have to do that another time. Exactly. Dave Young: I’ll bring the dip, you bring the chips. Stephen Semple: All right, you’re on. Dave Young: Thanks for bringing us the Pace story. Stephen Semple: All right. Thanks, David. Dave Young: Thanks for listening to the podcast. Please share us, subscribe on your favorite podcast app and leave us a big, fat, juicy five star rating and review at Apple Podcasts. And if you’d like to schedule your own 90-minute empire building session, you can do it at empirebuildingprogram.com.

We're DIY investors and are really just looking for a sanity check in terms of what's a realistic retirement timeline and nest-egg target for a household like ours? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

You can be consistent, show up every week, and share genuinely useful information and still hear crickets. If that sounds familiar, the problem probably isn't your strategy or your posting schedule. It's that your marketing is emotionally flat. People are consuming your content, but they aren't feeling anything. And when people feel nothing, they do nothing.In this episode, Danielle breaks down why emotion is the real driver behind every buying decision, even for the people who swear they're purely logical, and what it actually means to create marketing that connects. Hint: it's not about labeling emotions like "overwhelmed" or "stressed." It's about describing your audience's experience so well that they feel genuinely seen.You'll walk away knowing exactly how to audit your content for emotional resonance and start creating marketing that moves people from familiar with you to ready to work with you.Learn how to create more emotional pull in The Blueprint, my three-month one-on-one marketing program.You can get even more Marketing That Works in your inbox by signing up for the weekly newsletter.Follow on Instagram at @Danielle.R.Harris. Follow on LinkedIn

What if the reason your easy runs feel hard is because you're doing too much, too soon?Marathon training can feel overwhelming when every run type seems important and everything feels hard at once. In this episode, I break down the simple structure behind effective marathon training and explain why most runners struggle not because they lack effort, but because they train in the wrong order. I walk through the three run types that quietly build most of your fitness, why they matter more than speed work early on, and how following the right sequence helps you stay healthy, consistent, and confident all the way to race day.Key TakeawaysMarathon training works best when it follows a clear order, starting with easy runs, long runs, and threshold work before adding speed. Skipping this order is one of the fastest ways to get injured or burned out.Easy runs and long runs are not filler workouts. They build the aerobic base that lets your body recover, adapt, and handle harder training later.Speed work only helps once your foundation is solid. Without a base, harder workouts create damage faster than your body can rebuild.Timestamps[00:34] What You'll Learn[01:47] The Problem[04:10] Use This To Crush Your Next Marathon[05:17] The Solution: How To Sequence The 16 Weeks[07:35] Run Type #1: The Easy Run[09:41] Run Type #2: The Long Run[14:05] Run Type #3: The Threshold Run[18:27] Find Out What Level Marathoner You AreLinks & Learnings

"McElroy & Cubelic In The Morning" airs 7am-10am weekdays on WJOX-94.5!See omnystudio.com/listener for privacy information.

Strap in as Lionel takes you to the "correct side of the truth," serving up solid food for those tired of the "mother's milk" on cable news. Lionel dissects the baffling incompetence surrounding the Savannah Guthrie case—from cleaning the pool at a crime scene to the family's hesitation to put up real ransom money. He then exposes the "militant atheist" mob targeting Yale mathematician David Gelernter for questioning Darwinism. Plus, Lionel doubles down on the reality of geoengineering, explains why the hyoid bone proves Jeffrey Epstein was murdered, and takes calls on the dark, depraved underbelly of elite society. Learn more about your ad choices. Visit megaphone.fm/adchoices

Anna-Carin Svensson joins Dr. Sandie Morgan as they explore how Sweden's decision to punish buyers instead of victims has reshaped who feels safe coming forward — and how that same principle is now being applied to hold online exploitation accountable.Chapters(00:00) - Introduction: Sweden's Principle That Changed Everything (01:07) - The Equality Model: Why Sweden Criminalized Buyers, Not Sellers (07:37) - What 25 Years of Data Actually Shows (09:16) - When Exploitation Moves Online: Updating the Law for the Digital Age (14:37) - Why Multidisciplinary Collaboration Is Non-Negotiable (18:41) - The Gap Between Good Laws and Correct Application (25:02) - Prevention Starts Before the Warning Signs (29:51) - Hope, Humanity, and the Road Ahead Anna-Carin SvenssonAnna-Carin Svensson serves as Sweden's Ambassador to Combat Trafficking in Persons, representing Sweden in multilateral anti-trafficking efforts including at the United Nations. In this role, she has participated in high-level discussions related to the appraisal of the UN Global Plan of Action to Combat Trafficking in Persons, including the side event "Proactive by Design: Leveraging Multidisciplinary Collaboration and Digital Innovation to Prevent Human Trafficking."Previously, Svensson served as Director-General for International Affairs at the Swedish Ministry of Justice, where she led Swedish delegations in international human rights forums and oversaw Sweden's implementation of international legal obligations, including under the Convention against Torture. Across her career, she has consistently emphasized state responsibility, institutional accountability, cross-government coordination, and the importance of translating legislation into effective practice.Key PointsSweden's Sex Purchase Act, introduced in 1999, was a landmark legal shift that criminalized the buyer of sexual services rather than the seller, placing the state firmly on the side of the more vulnerable party in the transaction and signaling that prostitution is a harm to all of society — not just to the individual.A 2010 official evaluation of the law found measurable results: street prostitution decreased, criminal networks were deterred from establishing trafficking operations in Sweden, and public attitudes shifted significantly — evidence that law can have both a direct and a normative effect.As exploitation moved online, Sweden updated its legislation in 2025 to extend the same principle into the digital space, criminalizing the purchase of live, on-demand sexual acts performed remotely — because if something is illegal offline, it must be illegal online.Many victims who had been coerced into performing live cam shows said the new law would have made it easier for them to refuse, illustrating how legal frameworks can shift power back to the exploited person even before a crime is prosecuted.Correct application of the law matters as much as the law itself — broad training across all professions, not just specialized units, is essential so that any first responder can recognize a victim, give an appropriate initial response, and connect them to the right support.Multidisciplinary collaboration is not optional: criminal justice, social services, civil society, health professionals, schools, and international partners must all work in concert, because victims often feel safer disclosing to a social worker or nonprofit than to law enforcement, and that trust must be honored.Digital literacy and healthy relationship education must begin before exploitation happens — teaching young people to recognize manipulation, loverboy tactics, and online red flags is one of the most important prevention investments a society can make.Hope lies in the growing global community of organizations and individuals bringing creative, collaborative solutions to every aspect of this problem — and in the simple recognition that for every challenge, there are many possible answers.ResourcesEnding Human Trafficking PodcastGlobal Center for Women and Justice (GCWJ)UN Global Plan of Action to Combat Trafficking in Persons – 2025 AppraisalSweden's Sex Purchase Act – Swedish Gender Equality AgencySweden's 2025 Online Sexual Acts Legislation – Library of Congress SummaryTranscriptClick here to view the episode transcript.

The person you see in your head when you think “me” probably isn't you.Most of us don't perceive ourselves accurately—we see a distorted, unrealistically negative version. Not because it's true… but because your brain is trying (and failing) to protect you from pain.In this episode I explain “The Magnet”: the force that pulls your self-concept downward after experiences like rejection, failure, and embarrassment—so you'll “reject yourself first” before the world can do it.It's a defense mechanism… but it comes with two brutal costs:You trade short, sharp pain for a lifetime of dull painYou start preemptively opting out of opportunities, connection, growth, and visibilityIf you live with chronic self-criticism, low self-esteem, or an internal “lowlight reel” that plays on repeat… this episode will help you interrupt it.If my podcast has helped, my new book, The Light Between the Leaves, goes even deeperNext Steps:

In this episode, I talk about a simple way to correct your child without overreacting or letting things slide. I explain how small, consistent verbal reminders act like course corrections, helping children adjust their behaviour before it becomes a habit. This matters because what we allow becomes normal in our homes, and small choices shape long-term character in our child's life.   In This Episode Why behaviours that seem to appear "suddenly" have usually developed gradually How what we accept becomes our child's norm The difference between correction and punishment The idea of correction as a course correction, not a big reaction How children learn something from every response we give Practical examples of simple verbal reminders Heart-Focused Parenting Action Step Over the next 24 hours, choose one behaviour you've been overlooking and prepare a simple verbal reminder you will consistently use to help your child adjust and practise doing what is right.   Read the blog here:  Verbal Reminders are a Simple way to Correct your Child   Continue the conversation If this episode resonated with you, you're welcome to join my weekly Heart Booster emails - regular encouragements for parents who want to be intentional, relational and heart-focused.     If you'd like personal support applying these ideas in your own family, you can learn more about one-on-one coaching here.  Parent Coaching   You can also find me on Instagram, where I share something most days.  Instagram.  

This podcast shows you how to fully recover from OCD.Each episode breaks down the exact techniques and nuances that stop rumination, reduce compulsions, and help you retrain your brain out of the OCD cycle. We cover every major OCD theme, including:Pure-O OCDRelationship OCDHarm OCDReal Event OCDSO-OCD / Sexuality OCDReligious / Scrupulosity OCDCleaning & Contamination OCDPhysical CompulsionsAll other OCD subtypesMy goal is simple: clear guidance that actually works, explained in a way that is calm, direct, and easy to apply immediately.You can fully recover from OCD. Don't give up — you're not stuck, and your brain can change.

My apologies for uploading an OLD show, rather than the correct show, on Thursday. Here is the correct one. Have a great weekend!Big 12 basketball chaos is back. Heartland College Sports basketball columnist Matthew Postins joins Pete Mundo to break down a wild week in the league.We react to Jerome Tang and Tad Boyle publicly ripping their teams, TCU's upset of Iowa State, and Kansas knocking off Arizona. Plus, we preview a massive weekend of Big 12 games, including Iowa State vs. Kansas and Texas Tech vs. Arizona.S

Flat feet are not genetic! Flat feet correction and prevention are simpler than you think. Discover the one exercise to fix flat feet and restore your foot's arch naturally, along with some easy flat foot exercises to strengthen the arches of your feet. 0:00 Introduction: Exercises for flat feet 0:27 Foot arch function1:38 The best flat feet fix 2:27 More exercises for flat feet 3:26 Flat foot prevention in children4:04 Vitamin D, K2, magnesium, and flat feetIn this video, I'm going to show you the best flat foot fix that you can do at home. You're born with flat feet and develop an arch when you're around 6 to 10 years old. Some people develop a fallen arch as they age because they don't exercise the muscles that strengthen the arches of the feet.The purpose of your foot's arch is to provide it with free energy. It acts as a preloaded spring when you walk, climb, or run. You can still walk if you've lost your arch, but other muscles will be recruited. The quads and PSOAS muscles will compensate for flat feet, and the hamstrings, glutes, and lower back will be underused and become weaker. Sprinting is the best exercise for flat feet, helping restore the foot arch naturally. Even if sprinting is difficult initially, you can improve within 6 to 8 weeks. Jogging is one of the worst exercises for flat feet! Strengthen the arches of the feet with these exercises and build up to sprinting:• A skipping• B skipping• High knees• Butt kicks When sprinting, sprint at 60% intensity, doing 2 to 3 sprints for 15 seconds each. To prevent flat feet in children, allow them to play in the grass or a safe environment without shoes to strengthen the arches of their feet. Look for shoes with thinner soles; barefoot shoes are best. Also, ensure there's enough space for the toes to move. This improves posture by strengthening the glutes and taking pressure off the lower back. Low vitamin D, K2, and magnesium early in life can contribute to flat feet. Dr. Eric Berg DC Bio:Dr. Berg, age 60, is a chiropractor who specializes in Healthy Ketosis & Intermittent Fasting. He is the Director of Dr. Berg Nutritionals and author of the best-selling book The Healthy Keto Plan. He no longer practices, but focuses on health education through social media.Disclaimer: Dr. Eric Berg received his Doctor of Chiropractic degree from Palmer College of Chiropractic in 1988. His use of “doctor” or “Dr.” in relation to himself solely refers to that degree. Dr. Berg is a licensed chiropractor in Virginia, California, and Louisiana, but he no longer practices chiropractic in any state and does not see patients, so he can focus on educating people as a full-time activity, yet he maintains an active license. This video is for general informational purposes only. It should not be used to self-diagnose, and it is not a substitute for a medical exam, cure, treatment, diagnosis, prescription, or recommendation. It does not create a doctor-patient relationship between Dr. Berg and you. You should not make any change in your health regimen or diet before first consulting a physician and obtaining a medical exam, diagnosis, and recommendation. Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition.