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In this episode, we explore evidence-based pharmacologic strategies for managing acute agitation in emergency settings, challenging the stigmatizing concept of “chemical restraints” and providing practical approaches to achieve optimal patient outcomes. Did you know that many agitated patients can actively participate in medication decisions, even during a crisis? Faculty: Scott Zeller, M.D. Host: Richard Seeber, M.D. Learn more about our memberships here Earn 1.25 CME: The Psychopharmacology of Agitation: Managing Behavioral Emergencies Pharmacologic Strategies for Managing Agitation: General Recommendations and Treatments Goals

Cost segregation studies can significantly reduce taxable income by accelerating depreciation on rental properties. They reclassify certain property components, such as flooring and lighting, to shorter depreciation schedules (5, 7, or 15 years) instead of the standard 27.5 years for residential or 39 years for commercial properties.  This method can result in substantial tax savings. For example, a $510,000 duplex study yielded $131,000 in accelerated depreciation, potentially saving $40,000 in taxes at a 30% rate.  Although the percentage has been stepping down, it may be reinstated to 100% under the Trump administration. Initiate a cost segregation study estimate here to determine the potential tax savings.  GRE Free Investment Coaching: GREmarketplace.com/Coach For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com Show Notes: GetRichEducation.com/537 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, when you reduce your taxable income, that's a zero risk return on your investment. You'll learn how to do that today with any rental real estate that you own through what's known as a cost segregation study, even those without a giant portfolio can save 10s or hundreds of 1000s of dollars. An expert guests and I break it down with real life examples, see just how it can help you today. On get rich education   Speaker 1  0:34   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who? Top Selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:19   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:35   Welcome to GRE from Berlin, Pennsylvania to Berlin, Germany and across 188 nations worldwide. I'm Keith Weinhold. You're listening to get rich education. And one way that I like to be positioned in real estate is the sense that I own it directly, yet I use a property manager so that I'm shielded from the day to day responsibility. I care, but I can still live my life now you might favor direct ownership like I do, yet choose to self manage your property instead. That's a viable way to do it. Self management is how I started out, but however you handle the management when you own directly, you can alter your effective post tax rate of return on your investment, and that's what we're talking about doing today with a cost segregation what this effectively does is increase your tax depreciation benefit. Though depreciation sounds bad as a word in the real estate world, even without spending any of your own money, it's still classified by the tax code as an expense that you can deduct from your taxable income. You don't want to reduce your income, only the taxable income reducing the portion that the IRS can get a piece of. Now, unless it's a condo, your rental property probably includes both a structure called the improvement and also the land. Now your improvement has components that wear out, and even the IRS knows that the land does not wear out yet. There are items on the land that you can get this accelerated depreciation on through a cost segregation, like fencing and lighting and carports. A lot of people don't know that, so there is therefore a land improvement segregation often on a 15 year schedule, but it's even more lucrative to get cost segregations applied to things inside your building or home that wear out faster, like countertops or flooring, as we'll see today, on shorter schedules, like five or seven years. Said another way what you're doing is that you are shielding more of your taxable income. And I'm going to ask today's Cost Segregation expert guest for an example near the start of our conversation, so he'll give us some numbers. And you want to listen to that part closely, and you might find yourself skipping back to re listen to some parts today as we give real life examples on how a cost seg works. Now, today is a Presidential Inauguration Day, so it's appropriate that we cover this today, because Trump is widely expected to reset 100% bonus depreciation, which, as you'll see, factors into our discussion today. And frequent GRE guest Tom wheelwright thinks that this is going to happen too this 100% bonus depreciation. What that means that, for example, all those land improvements that I mentioned on a 15 year depreciation schedule, where you could front load it and get it all in year one of your ownership and those components indoors. On shorter depreciation schedules, like five to seven years, you can get all those write offs in year one without waiting five to seven years. So that's. The sweetener that 100% bonus depreciation is, if Trump indeed brings that back, and you might say, wait a second, this sounds a little too good to be true. I mean, getting these amounts, you'll see they can be over 100k in tax savings, even for a small investor, that you can reduce your taxable income by Well, you know, it is just a little too good to be true, because when you sell the property down the road, you have to pay back 25% of what you wrote off this way in what's known as a depreciation recapture tax. So it's still worth doing. In a lot of cases, you would keep 75% of your benefit then, unless you do a tax deferred exchange on your sale, and then you could defer that 25% depreciation recapture tax. So yes, today's episode is deeper than most. And you know, being a Presidential Inauguration Day, and knowing that I like to drop a little levity here before we delve into deep topics, what does the outgoing presidential administration have to say about cost? Segregations get hot.   Speaker 2  6:13    I got Lana. I got hairy legs that turn that turnblonde in the sun, and the kids used to come up and reach in the pool and rub my leg down so it was trained, and then watch the hair come back up again.   Keith Weinhold  6:32   I don't know what just happened there. Let me just give him another chance to clear things up. I mean, you really can do a cost segregation,    Speaker 2  6:41   we have this notion that somehow, if you're poor, you cannot do it. Poor kids are just as bright and just as tall as white kids.    Keith Weinhold  6:51   Gosh, oh dear, I don't I don't know where to go with that. And hey, if you're a new listener, you know, over time, we poke a little fun at every president. We do with Trump as well. We do with Jerome Powell. No one is immune around here. Some people, hey, they might find it funny that a former real estate investor President like Trump wants to expand America's real estate portfolio by taking Canada and Greenland in the Panama Canal back too. Politics matter, but this is not a politically partisan platform in any way. What's politically partisan? It's saying that the economy is like absolutely awful, but then as soon as your guy gets sworn in, one hour later, you're willing to call that same economy. Now suddenly, a great economy. No, a national economy does not change in one hour. So free thinking and thinking for yourself beats polarizing political partisanship. That's a way it's been around here from day one. Yeah, a little levity, a good knee slapper now and then knee slapper coming up in future weeks on the show here, the real estate guys radio show host and a friend, Robert Helms, will be here to update us on what's happening in the short term rental market, mid term rental market and more. We'll also announce a big collaboration that he and I are going to do together this year, and you'll be invited to join us today, let's discuss cost segregation.   You can take your tax burden and put a huge dent in it by accelerating your real estate depreciation deduction with a cost segregation This could save you 1000s of dollars every year or more depending on the size of your real estate portfolio. We're talking about how to specifically do this with a cost seg expert. He's been a real estate investor for over 20 years. He builds new rentals to hold, and he and his son do that together. In fact, you're currently building a 24 unit complex now. But the reason he's here is because he started a specific cost segregation company in 2012 and he completes over 100 cost seg studies every year. So he's really the guy to talk to. Steve, welcome on to the show. Thanks for having me. I appreciate it. It's great to have an expert like you here and Steve, I think a lot of real estate investors, they're familiar with tax depreciation. That's where for rental property, with residential, there's a 27 and a half year schedule. And commercial has a 39 year schedule. We take the reciprocal of those numbers, and that means that, for example, in residential, you can write off about 3.6% of the improved property value every year. That's pretty nice on a 500k property that right there is 18k that can be sheltered from taxes annually. But most investors stop right there. So in a lot of cases, they aren't maximizing their tax benefit. You can write off substantially more than that, potentially. With a cost segregation. So tell us about it.    Steve Trussell  10:04   Cost Segregation. As you just mentioned, you have your regular depreciation, which most do take. Believe it or not, I've come across a few people that own property for a few years, and they're not taking it at all, which is, I don't understand that maybe they're doing on accounting, but we get them on track with that. But as you said, 27 and a half and 39 year depreciation, whether it's residential, 27 a half commercial, 39 that's all well and good, but there's a lot of money left on the table, because when you look at the the piece of real estate, there's a probably 22 to 32% of the asset itself, the depreciable asset that's shorter life, for example, cabinets, flooring, light fixtures, uh, outside the landscaping, retaining walls, things like that that are shorter life. So what we do in a cost segregation study, we go in and we rebuild the property through an engineered study, we pull out the five and the 15 year property and reclassified. And so usually you're going to wind up with about 70, 75% of it will stay on the schedule. It was on whether it be 27 and a half or 39 but then that 20 to 30% that we're going to bring forward is a huge number. So for example, I just recently did one. It was a duplex, $510,000 was the purchase 433, was the basis, after land, the depreciable basis. It was kicking out about 16,000 a year in regular depreciation. For the investor, which covered, you know, their cash flow and so forth, so forth. Most people know how that works. We were able to go back and accelerate it and get 131,000 or about 31% of it in 515, year property. So they had $131,000 depreciation amount sitting there. Then they still were able to write off the 302, that was left at 11,000 a year. So they're still getting their normal depreciation, a smaller number, but that 131,000 if they can use it with bonus depreciation, is $131,000 of money sitting there. They could offset $131,000 of income. That's a huge number. If they're not doing that now, they're leaving money on the table.   Keith Weinhold  12:01    Gosh, $131,000 of potential tax sheltering, which is, yeah, a huge number on a 500k duplex, like you described.   Steve Trussell  12:11   It's a substantial number. And if you're not doing cost segregation, then you're leaving a lot of money on the table, like I said. So then it comes down to it. It's a, I guess, cost versus benefits. So the first thing we do is, I get the data from your purchase of your piece of real estate or server, whatever it is, we put together an estimate of benefit to give you an idea of what that would look like for you, like in this example, that's what we produced. Was what we thought we could bring forward for this investor. And then at that point, once we determine that you look at 131,000 the cost of our study is $1,830 so 131 versus 1830 is a pretty good bargain. I believe. I mean, I know I'm selling my product, but that's a pretty good bargain. Yeah. And then the third part of it is, so we've established that it's probably makes sense. But then can you use it? If you're a real estate professional, if you're familiar with what that means, you can write that off against your active and passive income. If you're not, you're a w2 and you're not quite there. Yet it may be that you don't do it now. You do it in a couple of years, but either way, the process is there when you can use it. Probably 80% of my investors are able to use it the year we do it. And if you don't use all of it, you carry it forward. So it's makes sense, typically, to do a cost segregation study, but that's what we help you establish by one, the estimate, and two, discussing with you or with your CPA, does this fit you? Is this something you can use as from a tax standpoint?   Keith Weinhold  13:37   Yes, it was just a few episodes ago. I describe more about what real estate professional status is. The main thing is, typically, real estate needs to be you, the investor's principal activity. So it's not very likely that you're going to be a real estate professional if you still have a full time day job.   Steve Trussell  13:56   There are doctors and lawyers and people like that that have a full time job, and they just could not justify spending the amount of time and being a real estate professional. But sometimes their wife would be the candidate to be that. So their wife becomes or this, or the husband. If the wife is there's the breadwinner, becomes the real estate professional, and then they can take that and write it off against their active income. And I don't want to jump into the CPA side of this. That's more of a CPA question, but that's how I understand it works. And I've seen that happen before, where someone who has a full time job is able to bring their spouse in as their real estate professional, and they're able to use utilize it that way.   Keith Weinhold  14:34   Well, to talk more about this benefit of $131,000 on the duplex example that you gave, if all that is able to be deducted at a 30% income tax rate, that is 40k of savings. 40k is about 30% of this $131,000 number. So that's the money the increase in net income in your pocket.   Steve Trussell  15:00    yeah, which is substantial, and that's where you look at your individual tax break. I'm gonna save 40,000 in taxes, and I'm gonna spend $1,800 for the study. Makes sense to me to do that. It's pretty good return on your money, but it comes down to being able to use it. And so that's the things that we explore when I'm talking to a client.    Keith Weinhold  15:19   Now, Steve, I know in the past, I have talked to cost segregation engineers and their firms on the phone, where they've looked at some properties that I had, and I don't remember whether they charged me for this or not, but what I learned is it wouldn't be worth going ahead with a cost segregation study on and I'm thinking that they didn't charge me anything to tell me that, but really what I'm getting at is, can you tell us more about when it makes sense to do a cost seg on properties, and when it does not?    Steve Trussell  15:46   Well, there's okay if you're going to sell it the next few years, it does because you're going to recapture so you don't want to spend money for a study only to get the benefit for a year and then sell it and have to recapture it. Now, in my personal situation, I have done that because I bought more property and I was able to use the cost segregation to offset my gains versus a 1031 So by and large, it doesn't make sense. If you're going to sell it, that's number one. You may have owned it for eight or nine years, 10 years, maybe you've used a lot of your depreciation already. So that delta between the accelerated depreciation and which you've already taken may not be enough to make sense. It may be a property that's, you know, $80,000 probably doesn't make a lot of sense to spend the money. The mass just doesn't typically work there. I've done some as low as that because they wanted the tax benefit, and I'll do whatever the client wants me to do. But those are the three things that I would say probably would determine whether it makes sense or not. But that's where the estimate comes in. I mean, you bring me a property, and if it's $40,000 I'll tell you before I do anything, probably not worth messing with it. It's you're not gonna get much benefit. But if you bring me a property and it's $125,000 asset, we'll take a look at it. I'll do a quick estimate for you, no charge, and it'll either apply and make sense for you, or it won't. And I'll be the first to tell you, if it doesn't you know your individual tax situation, I'm just talking about the dollars that we create for you versus the cost. If it doesn't make sense, I'll tell you. I don't want you to waste your money doing a cost segregation study if you don't need it or can't use it.    Keith Weinhold  17:14   Okay, So there are a number of factors here, which could include how long the investors own the property, how soon they plan to sell the property. It sounds like there's generally a correlation here, with the larger the property, the more likely it is that it makes sense to do the study as well.   Steve Trussell  17:29   It does. I have a client that I'm working on right now. He has six properties, and I think they were 2021, acquisition. So that was it four years ago, and they're not on a depreciation schedule, he hasn't taken anything. So in this case, it's, you certainly would want to do a cost segregation study, and that you need to have your properties on a depreciation schedule anyway, for whatever reason they weren't there. So in this case, if you came across a client that had a property for 10 years or for some reason it was never on a depreciation schedule, which that's, I don't know how that would happen, but let's assume it did. In that case, you would make sense to do because you're going to catch up all that depreciation from back, from 10 years ago all the way through today, which would even be a larger number. So that happens occasionally, rarely it happens, but it does happen where someone has never depreciated a property.    Keith Weinhold  18:17   We're talking with a man that can greatly reduce your tax burden. I think for one thing, first, he's gonna check to make sure that you're taking the basic tax depreciation. But beyond that, as you can see here, there's a potential to do a lot more with a cost segregation. You're listening to get rich education more when we come back on cost seg studies, I'm your host. Keith Weinhold.    hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President CaeliRidge personally. Start now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com.   Oh geez, the initial average bank account pays less than 1% on your savings, so your bank is getting rich off of you. You've got to earn way more, or else you're losing your hard earned cash to inflation. Let the liquidity fund help you put your money to work with minimum risk, your cash generates up to a 10% return and compounds year in and year out. Instead of earning less than 1% in your bank account, the minimum investment is just 25k you keep getting paid until you decide you want your money back. Their decade plus track record proves they've always paid their investors 100% in full and on time. And you know how I'd know, because I'm an investor in this myself. Earn. And 10% like me and GRE listeners are. Text family to 66866, to learn about freedom, family investments, liquidity fund on your journey to financial freedom through passive income. Text family to 66866   Robert Helms  20:17    Hey everybody. It's Robert helms with the real estate guys radio program. So glad you found Keith whitehold and get rich education. Don't quit your Daydream.   Keith Weinhold  20:32   Welcome back to get rich education. I love talking about tax savings vehicles, because it's like a no risk instant ROI to you, that's what we're doing today, when we're talking about accelerating your depreciation and reducing your tax burden through a cost segregation. And Steve, in my experience, I know that you can't just ask anyone to go do this study, like your Slack John, uncle with a tape measure and sending him out there. It takes a person with a certain credential in a Cost Segregation engineering analysis. So can you tell us more about what physically needs to take place to have a cost seg done?   Steve Trussell  21:09   Yeah, you're right. People. You could try to do this yourself, but it probably wouldn't pass muster with the IRS if you were to, if they were to question the study. One thing that we do, and most firms like mine would do also, we do back up the study, and we do guarantee that we will defend the study on your behalf. If there's a question, very rarely does it come up, but if there's a question from the IRS, we step in in your place and defend the study and justify how we arrived at these and that's only through a call to an engineered study. So if you have your your uncle, as you mentioned, doing it, it doesn't follow the audit technique guide. Doesn't follow the guides that are required for cost segregation study. You're probably going to find it getting kicked out and wind up owing taxes and penalties. So you want to make sure you're someone who's qualified and they do an engineer study, same thing as a CPA. CPAs aren't qualified to do a cost segregation study because it is an engineered study. We're breaking down the entire property and rebuilding it with our software on commercial buildings. You'd mentioned. What do we do? Commercial building? We do a physical site visit. We actually go to the property. Those are more expensive because we're there at the property and travel time and so forth. That to do that with engineers on residential we have a unique program. We do a virtual site visit where I can do this or my desktop, and that's why I'm able to keep the cost down. But we still do a site visit, because there's so many tools available today to be able to do a virtual site visit, I mean, for anywhere in the United States. So we can do this anywhere in the United States, and I take the tools that we have, the data I get from the client, we can do a virtual site visit and create the study from that    Keith Weinhold  22:43   really what the IRS is doing, whether this probably isn't reality, but you're saying your property wears out completely in 27 and a half years. That means that you can take some portion of that and depreciate it each year, but with some of these components that you mentioned, like the flooring and like the bushes. I think even the landscaping is one of the components that you can do a cost seg on. Basically they're saying that wears out faster.    Steve Trussell  23:11   Correct. Pretty much everything outside the building is 15 year life, sometimes even shorter than that. But that's how it classes 15 year life. Like your driveway, your like I said earlier, your retaining walls, grass, landscaping, fences, things like that, outdoor lighting, stuff like that. The inside the building is the five year property, which is your countertops, your flooring, fixtures. Think of things. I mean, floor is going to wear out before 27 half years, you're going to be replaced. You do it in your own home. Typically, you know? Well, I would never keep it for 27 and a half years. I would I wouldn't thank him in my house, but because they do wear out sooner. Tile is a little different animal. There's some debate about that, but for the most part, it's components like that that we're able to reclass in a five year classification.    Keith Weinhold  23:54   That's pretty generous. Grass wears out in 15 years.   Steve Trussell  23:58   Well, it's a 15 year. Yeah, it dies. You know, things change landscape, things like that. So yeah, you do. Those can be classed at 15 years.    Keith Weinhold  24:08   All right, we've talked about the cost in terms of dollars a bit for what a cost segregation study might cost. How much time does it take from the time one is initiated?   Steve Trussell  24:16   It depends. We could typically work with your schedule. I get a lot of last minute folks that get with me in September and they need their October 15, or even this September 15 depends on what kind of entry Do you have it in. And so we can turn these as quickly as you need it, typically, if I have all the data and all the information, especially if it's a residential where I'm not having to travel, but by and large, I can turn these in less than 30 days back to you, and if you need it sooner, we'll burn the midnight oil and get it done for you. That's during crutch time for between January 1 and April 15. If you file early or on time, if you file in October and you extend your taxes and the automatic extension in April, you've got to have the study done before you file. Your taxes. So if you wanted it for 2024 you need to have a study completed by April 15 of 2025 if you're going to file it April 15, if you're gonna file in October, the automatic extension, you need to have it completed by then. So our busy season is January through April 15, and then probably starting July, August time frame through October 15. That's our busy season. So the point of it, if you're going to do a study and use it for your current tax year, it must be completed no matter when you purchased it, but it must be completed prior to you filing your taxes, so you can use it on that tax return.   Keith Weinhold  25:35   All right, so we're just getting into Steve's busy season. So if you think this can benefit you. You want to initiate that sooner rather than later. But Steve, when we talk more about the benefits, we've had a change in presidential administration. So tell us more about the bonus depreciation benefit.   Steve Trussell  25:53   Your bonus appreciation came out in the previous administration before this last one, Trump's first administration that came out of that. So the anything where you reclass is five, seven and 15, your property, but it's 100% bonus. In other words, if you go back to the 131,000 I mentioned on the duplex, all of that in between September 2017 through December 31 to 2022 you get 100% of that. It's starting in January of 2023 through the end of december 23 it went to 80% and the next year, 60, and in 2025 it's going to be 40. But there's been an extension that was passed last in 2024 in the house to go back to the 100% installed in the Senate. And we think with the new administration, we'll probably in the new tax cuts, we'll probably see this reinstated and go back to the 100% which is substantial. If you're getting, you know, 60% of the 131, what is that? 78,000 bucks, roughly, something like that. And if you're getting 100% that's a big difference. So we're hopeful that we'll see that sometime in the first quarter. And so even if you file your taxes in April and it hasn't passed yet and you've only gotten four, you only get 40% bonus depreciation. You'll get that extra 60 the next year. What's happening now, though, before it, if it without being stated, you're still getting a bigger benefit. Because, as I mentioned before, the 131 comes forward, and you get the percentage of that the 302 is left over. In that example I used earlier, you've got your regular 27 net fear depreciation, but that 131 is still five and 15 year property, so you're depreciating that much faster than you would on a 27 after your schedule. So you're still getting a benefit, just not as good as when you get 100% bonus depreciation.   Keith Weinhold  27:34   Okay. And again, when you're talking about five, seven and 15 year property, you're talking about those component lifespans, correct, where we reclass that bonus depreciation benefit started out at 100% a few years ago. It's been stepping down 20% each year, and that is set to most likely refresh here sometime this year, back to the full 100% bonus depreciation. And if that does indeed happening you the listener. You're going to be hearing about that from your real estate investor friends and your social media feed and everything else, and you're going to maybe be feeling left out of that unless you get on top of it and take part of this. That's exactly what we're talking about doing right now. Steve, why don't you talk to us about some of those other components that are included or excluded from a cost segregation study, whether that's lighting fixtures or parking lot asphalt, tell us more.   Steve Trussell  28:27   Exterior is the 15 year life we talked about, the parking lots, the big residential the driveways, the landscaping, the fencing, retaining walls, bushes, the things that are gonna be outside. Okay, everything outside is 15 years pretty much, yes. And then when you go inside, look at the things that you would typically change out. You're not gonna change your plumbing. It's in your foundation and your walls, unless it breaks. You're not gonna change your roof. Is also, even though you change it out, it's also a permanent part of the structure. The roof is but the inside the house you have your or even outside, you've got your brick on the outside of your siding, that's 27 half for your property inside the cabinets, your countertops, flooring, your decorative light fixtures, the your plumbing fixtures, things like that, glass mirrors, things like that, that are going to be naturally shorter life. And it's pretty easy to look at a piece of property and see what's permanent again, like I use the example, the foundation, the studs in the wall, the brick, the she rock on the wall, those things are permanent fixtures. It's the things that are movable parts, typically, that you could look at, and that makes up 22 to 32% I've had to go higher, but 22 to 32 is a good range of the asset from five year and 15 year.   Keith Weinhold  29:42   All right, so really, the dividing line for Cost Segregation is stated as what is a permanent fixture and what is not permanent.    Steve Trussell  29:50   Yeah, probably in the general sense, yeah, I would say that. Well, are there any   Keith Weinhold  29:53   other things that one should know about a cost segregation study, whether that's myths or misunderstandings that need. To be cleared up, or just anything else at all. One needs to know about a cost segregation study. A couple   Speaker 3  30:05   things. One, the myth is that a lot of people think that it triggers audits that you're changing your accounting or you're getting this big bonus depreciation that's in the tax law, and so you're just taking advantage of the same zero to depreciation. Putting depreciation on your schedule, on your tax return, doesn't trigger audits. I mean, that's just buying property and you're putting it on the return. Accelerated depreciation doesn't either, because you do an engineered study. So part of the myth people think that they're going to call it, it's going to trigger an audit. It doesn't. It's a standard practice that accepted by the IRS and the study. The only thing that might, that might trigger isn't the agent. If they're doing an audit of your taxes, they might look at the study and say, Why did you classify this as this but this amount? Well, we go back through our data and our study through our software, and we could prove out how we came up with that value, and that's what they would ask. Is something like that, but it doesn't trigger an audit necessarily, just because you do a study. Second thing I've said this, I'll save all my clients. I said a couple times here, it's important that you can use it, that you can use the benefit. It does not do any good to go spend money for a study and get $131,000 appreciation, like I mentioned earlier, and it just sits there your w2 income, and you can't use it towards that that's far exceeds what you're making on your property. There's still a point in doing that until you can use it. There are other companies out there. They won't discuss that with you. They'll just tell you, you know, let's do a cost segregation study, because you get all these great benefits, but it doesn't do any good if you can't use it. Like I said that 131 be sitting on your depreciation schedule. That's bonus depreciation, but you're not able to do anything with it. If you're a high earner and you're not a real estate professional, you can't use it. So just be aware of that. If anybody brings a cost segregation study to you, and they don't discuss with you how it benefits you, I just be aware of that it's got to benefit you. What's the point if it doesn't    Keith Weinhold  31:57   that's a really great reminder you want to have this done the right way with someone that knows it can benefit you and more than offset the cost of the study. Maybe I should just bring up one example here of maybe a common turnkey property that a listener might buy that's not very high cost. Say that someone buys a fully rehabilitated, just $180,000 rental single family home built in the 1970s two bed, one bath. I'm sure there are some. It depends factors, but in general, would that be a candidate for a Cost Segregation if that were a new purchase for an investor?   Steve Trussell  32:35   I do it all the time, because it doesn't matter how old the property is. What matters is when you purchases. That's when your start date hits and or when you sell it to start date for the next person as well. So yeah, in that case, you're going to take roughly 15% for land. We go to the county website and see what they're using for land, and if they're using 6% that's what we'll use. But 15% is acceptable by the IRS. So in that case, 15% is what $27,000 so your 147 I think, would be your depreciable amount in it, 25% of that is 25 and almost $40,000 of depreciation versus an $1,800 study. And so if you're in a third step bracket, you're gonna save 12,000 in taxes and spend 1800 to save it. I mean, I would swap 1800 for 12,000 Gosh, any time. So, yeah, it would work. But then that comes down to, you know, you individually. What do you do for a living? What's your income? Like it would what level of income you're at. But can you use the 40,000 and celebrate depreciation? And that can be determined between a conversation with me, you and probably your CPA, so they know your tax situation the best, and then I really like the CPA to be involved. It's up to the client, but I'd prefer them to be involved so they know exactly what we're doing. Some CPAs aren't that familiar with it, so we can help them with getting this on the tax schedule. If they need us to on depreciation schedule, they really want the CPA to be involved if the client is comfortable with it because they know your tax situation the best. I can create the benefit for you. They can help you determine if you can use it.   Keith Weinhold  34:08   That's a good point. I would imagine that there are some tax preparers that have never seen this on one of their clients returns before, so that's a great help. And that was an awesome breakdown of just how things might actually look for someone. It just kind of has that most basic, low cost, 180k turnkey property. Steve, before I ask you if you have any last thoughts or anything else that the listeners should know if you want to connect with Steve, do that in the same way that you learn about our properties and our providers at GRE marketplace.com, click in the coaching area, your investment coach is going to help connect you with Steve all of his resources and adjacent resources that are helpful with you. Steve, is there any last thing that someone ought to know?   Speaker 3  34:50   I just think if you own property at all, it makes sense to get an estimate for cost segregation. It doesn't cost you anything. And then we could decide to. Together Again, like I said, along with your CPA, here's my benefit. Can I use it? And they cost you nothing to do that. Your CPA may charge you some time, I'm not sure, but working with me to get through the estimate phase up to the benefit, what's gonna look like for you that we do that for free, and so if you own any property, it makes sense to take a look at it or just have a phone conversation, because if you call me, you tell me, I make $300,000 a year. I'm a engineer, doctor, whatever it happens to be, and I work full time. My wife works full time. I'm probably gonna tell you, you know, you're probably not a candidate right now, because, like, we'd be a great benefit, but you can't use this great benefit right now. Let's revisit it when maybe you can. So it's just worth a phone conversation and you get me the data that I need, which is pretty simple stuff. I could put together an estimate before you turn it around and you decide, what if it makes sense for you?    Keith Weinhold  35:48   Yeah, if you have that conversation with Steve and worst case scenario, you can't use it, you better believe you're going to come off being pretty well informed in knowing the next time that you can use it, perhaps on your next purchase. Well, this has been supremely helpful, Steve. A lot of people are going to benefit from it. It's been great having you here on the show to talk about cost segregation.   Steve Trussell  36:09   I appreciate you having me. Thank you very much.   Keith Weinhold  36:17   Like Steve said, it's about 22 to 32% of the depreciable assets value, which is that house or building, not the land, can be deducted at an accelerated depreciation rate, faster than the 27 and a half year residential or 39 year Commercial depreciation rate. And Steve told me that before some investors even buy property, they will ask him how it would look with a cost segregation and hold on the numbers, and that way you can use it for your pro forma ROI calculation. Yeah, before you've even purchased a property, like I said, you can't have your Slack John uncle do a cost seg study. Plus your uncle is in slack jawed. Anyway. In fact, I'm the only slack jaw you've ever known. Now, I personally plan to send Steve a copy of my depreciation schedule so he can tell me how things would look for my properties. He can do this for you just the same. There is no charge. It's best to submit everything by mid March at the latest, if you file your taxes in mid April. So we are now in their busy season at GRE marketplace, that's where you do more than connect with our investment coaches and properties. There are also service providers, including Steve. Our coaches are there to help you optimize your ROI. This is a type of thing where if you think it's a good idea, you know you're probably not going to pick this up later if you don't move at the speed of instruction now. So if you think that it can benefit you from GRE marketplace.com, click in the coaching area. Get that set up, and we'll connect you to Steve and help you with anything else that you might need in your real estate portfolio. Until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 4  38:13   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  38:41   The preceding program was brought to you by your home for wealth, building, getricheducation.com.

Imagine uncovering a lead from a flooded property in Florida and turning it into a $24,206 payday—all while juggling a full-time job and family responsibilities. That's exactly what Gio did, using smart negotiation tactics and relentless hustle. In this episode, we dive deep into his journey: how he built trust with a motivated seller, turned a referral into a signed contract, and overcame financial and emotional hurdles to close his first wholesale deal. This story proves that with the right mindset and tools, anyone can achieve real estate success. Key Takeaways: The Power of Referrals: How building rapport and trust with a seller led to a referral that closed the deal. Diagnosing Seller Needs: Treating conversations like a doctor diagnosing a patient to uncover the seller's real motivations. Perseverance Pays Off: Why sticking with the process and overcoming doubt is key to success in real estate. MLS Strategy: Leveraging a flat fee listing on the MLS to attract multiple offers. Earn and Learn: The importance of making mistakes, learning from them, and gaining confidence. Resources: Live Masterclass: Learn How to Do Your First Real Estate Wholesale Deal For Free Deal Machine (Discount code PIN) $40k in 40 Days Challenge Driving For Dollars Mastery Book a Call With Me

Guest: Emilie Choi, president & COO of CoinbaseAfter the collapse of FTX in 2022, “the whole industry was tarnished,” recalls Coinbase COO Emilie Choi. “Politicians came out criticizing crypto, saying it was a fraud.”But unlike FTX, Coinbase was a public company in the U.S. So when the SEC served it a Wells notice, announcing its intent to charge the company with violating securities laws, the executive team took an unusual step: They went on the offensive, publicly calling BS on the agency.“Well-regarded CEOs from TradFi, they were like, ‘You don't do that,'” Emilie says. “'You don't antagonize your regulator.' ... It was a combination of chutzpah and maybe desperation that we were like, ‘We have to go tell our story, because if we don't, nobody else will.'”Chapters: (01:14) - Working with founder CEOs (04:12) - Mission first (07:16) - Reviewing candidates (09:48) - Unusual hiring (11:22) - Crypto after FTX (16:29) - Operation Choke Point 2.0 (19:19) - Grin and bear it (21:24) - Channeling negativity (24:21) - Going to war with the SEC (26:20) - Donald Trump and Gary Gensler (28:38) - Was it worth it? (31:19) - Shipping challenges (34:03) - OKRs and personal goals (36:41) - Brian Armstrong and structure (40:56) - The COO guidebook (43:30) - Removing bureaucracy (46:50) - Investing in crypto (49:41) - After Coinbase (53:03) - Constantly on (54:53) - Favorite interview questions (56:28) - Who Coinbase is hiring (58:28) - Standing for something Mentioned in this episode: Google Chat, executive coaches, Mark Zuckerberg, LinkedIn, Jeff Weiner, speed reading, Warner Bros., Elizabeth Warren, Sam Bankman-Fried, Wells notices, Paul Grewal, Chris Lehane, Airbnb, OpenAI, FOIA requests, Balaji Srinivasan, Dan Romero, Kevin Scott, Microsoft, Patrick McHenry, Ritchie Torres, Fairshake PAC, A16z, Ripple, Stand With Crypto, Dogecoin, Robinhood, Charles Schwab, JPMorgan Chase, Goldman Sachs, Paul Ryan, Faryar Shirzad, Kara Calvert, Elon Musk, Earn.com, Ben Horowitz, Bain Capital Ventures, Claire Hughes Johnson and Scaling People, Directly Responsible Individuals, Fidelity, BlackRock, Yahoo!, Stewart Butterfield, Brad Garlinghouse, Alibaba, Flickr, cognitive tests, and Loom.Links:Connect with EmilieTwitterLinkedInConnect with JoubinTwitterLinkedInEmail: grit@kleinerperkins.com Learn more about Kleiner PerkinsThis episode was edited by Eric Johnson from LightningPod.fm

Send us a textIn episode 243 of Beyond The Story, Sebastian Rusk interviews Jonathon WolfeBarron, the CEO at Rolling Adz LLC, as he discusses the types of brands that benefit from this innovative advertising method, the importance of maintaining an omnichannel presence, and the exciting growth trajectory his company is experiencing in 2025.Tune in to hear more about Jonathon's inspiring story and the creative strategies behind his successful business model.TIMESTAMPS[00:01:38] Vehicle advertising and technology.[00:04:51] Real-world advertising effectiveness.[00:08:04] Oregon's diverse climate advantages.[00:11:32] Mentorship and personal growth.[00:14:46] Bucky's gas station experience.[00:17:36] Digital advertising on vehicles.[00:19:58] Podcast subscription and reviews.QUOTES“I've done every type of campaign you probably think of, but we have our core values. We're like, if it's going to endanger one of my drivers, we're not going to do it.” - Jonathon WolfeBarron“Advertising is fun. It's a fun display.” - Jonathon WolfeBarron==========================Need help launching your podcast?Schedule a Free Podcast Strategy Call TODAY!PodcastLaunchLabNow.com==========================SOCIAL MEDIA LINKSSebastian RuskInstagram: https://www.instagram.com/podcastlaunchlab/Facebook: Facebook.com/sruskLinkedIn: LinkedIn.com/in/sebastianrusk/YouTube: Youtube.com/@PodcastLaunchLabJonathon WolfeBarronFacebook: https://www.facebook.com/Jonny.WolfeBarron/LinkedIn: https://www.linkedin.com/in/jonathonwolfebarron/WEBSITERolling Adz LLC: https://rollingadz.com/==========================PAYING RENT? Earn airlines when you do with the Bilt Rewards MastercardAPPLY HERE: https://bilt.page/r/2H93-5474

Trumpets of Tirzah is the only educational institution in the world that focuses on the Apostolic role of women in the body of Christ while educating, equipping and empowering women to walk confidently in their God-given role. Earn your degree with us at a fraction of the cost: www.TirzahAcademy.com Your support plants seeds and grows the Kingdom of God! We are a 501c3 - www.trumpetsoftirzah.com/donate Luxury anointing oils and anointing lotions: https://www.trumpetsoftirzah.com/category/anointing Please consider our shop for your gift-giving needs. Each purchase helps us continue to spread the gospel all around the world: https://www.trumpetsoftirzah.com/category/all-products And take a look at how we are sharing the gospel through film: https://www.trumpetsoftirzah.com/mastersmedia *********************************************************** Sow a seed for the Kingdom of God today! https://www.paypal.com/us/fundraiser/charity/3682661 Join Us. Awaken Your Purpose. Be Transformed. https://www.trumpetsoftirzah.com/courseinfo Join the Heavenly Harvest Alliance today! www.trumpetsoftirzah.com/heavenly-harvest-alliance Join us for church every Wednesday evening via YouTube Live Stream: https://www.youtube.com/playlist?list=PL0och7fotNo-rwK__QCdacXOnVtsg-JOv The chat is open during service so you can chat with the Tirzah Tribe and other regular attendees. Trumpets of Tirzah is a Christian lifestyle and leadership academy for women that desire to pursue an authentic connection with the Lord and pursue the purpose He created them for. We also offer co-ed events and workshops. Get your Amplified Bible: https://www.christianbook.com/Christian/Books/product?event=AFF&p=1223731&item_no=0446538 We host in-person and virtual events. Check out our website events page to join in the fun. We are a community of women leaders with creative hearts desiring to follow the examples of Jesus above all else. www.TrumpetsOfTirzah.com/events Let's connect and journey through life together! Shopping for Christian gifts? Here's a link to discounted quality gifts: https://www.christianbook.com/page/gifts?event=AFF&p=1223731 Check out our Awaken Art events - they are creative virtual retreats that we host every month and create with the Holy Spirit. www.trumpetsoftirzah.art Engage daily with us! Instagram https://www.instagram.com/trumpetsoftirzah/ TikTok https://www.tiktok.com/@trumpetsoftirzah LinkedIn https://www.linkedin.com/company/trumpetsoftirzah iHeart Radio  ⁠https://www.iheart.com/podcast/269-trumpets-of-tirzah-120477377/⁠  Amazon Music. ⁠https://music.amazon.com/podcasts/c0203ed1-9b85-426a-85f5-5350e82ab730/trumpets-of-tirzah⁠  Apple Podcasts. ⁠https://podcasts.apple.com/us/podcast/trumpets-of-tirzah/id1551900025⁠  Spotify https://open.spotify.com/show/4DCT4KBVsmzfnqyobR4ZwF Apple Podcasts. https://podcasts.apple.com/us/podcast/trumpets-of-tirzah/id1551900025 YouTube: https://www.youtube.com/c/TrumpetsofTirzah

Host Jamie Gruber gives you THREE simple steps of how he has made money after attending Gobundance events.

"In B cell malignancies, BTKi inhibits that BTK enzyme which is very upstream. It tells NF-κB to stop signaling into the nucleus and then inhibits proliferation and survival of B cells."  Puja Patel, PharmD, BCOP, Clinical Oncology Pharmacist at Northwestern Medicine Cancer Center at Delnor Hospital in Geneva, IL, told Jaime Weimer, MSN, RN, AGCNS-BS, AOCNS®, manager of oncology nursing practice at ONS, during a conversation about BTK inhibitors.  Music Credit: “Fireflies and Stardust” by Kevin MacLeod  Licensed under Creative Commons by Attribution 3.0   Earn 1.0 contact hours of nursing continuing professional development (NCPD) by listening to the full recording and completing an evaluation at courses.ons.org by January 17, 2027. The planners and faculty for this episode have no relevant financial relationships with ineligible companies to disclose. ONS is accredited as a provider of nursing continuing professional development by the American Nurses Credentialing Center's Commission on Accreditation.  Learning outcome: Learners will report an increase in knowledge related to the BTK inhibitor drug class.  Episode Notes   Complete this evaluation for free NCPD.  ONS Podcast™ Pharmacology 101 series  ONS Voice articles:  BTK Inhibitor Effective for Relapsed Hairy Cell Leukemia  FDA Grants Accelerated Approval to Pirtobrutinib for Chronic Lymphocytic Leukemia and Small Lymphocytic Lymphoma  Ibrutinib Is the First Anticancer Agent to Be Negotiated for Medicare Drug Pricing  Oncology Drug Reference Sheet: Pirtobrutinib  Oncology Drug Reference Sheet: Zanubrutinib  ONS books:  Clinical Guide to Antineoplastic Therapy: A Chemotherapy Handbook (fourth edition)  Chemotherapy and Immunotherapy Guidelines and Recommendations for Practice (second edition)  Clinical Journal of Oncology Nursing article: B-Cell Malignancies: The Use of Small Molecule Agents for Treatment and Management  ONS courses:   ONS Cancer Biology™  ONS/ONCC Chemotherapy Immunotherapy Certificate™   Safe Handling Basics   ONS Guidelines™ and Symptom Interventions:   Chemotherapy-Induced Diarrhea  Prevention of Bleeding  Prevention of Infection: General  ONS Learning Library: Oral Anticancer Medication  ONS/NCODA/HOPA/ACCC's Oral Chemotherapy Education Sheets  Other resources:  Advanced Practice Providers Oncology Summit  Ash Publications article: Managing Toxicities of Bruton Tyrosine Kinase Inhibitors  Blood Advances article: BTK Inhibitors in CLL: Second-Generation Drugs and Beyond  CLL Society Fact Sheets  International Journal of Molecular Sciences article: Bruton's Tyrosine Kinase Inhibitors: Recent Updates  National Cancer Institute article: Two Drugs Show Efficacy against Common Form of Leukemia  National Comprehensive Cancer Network Guidelines for Patients: Chronic Lymphocytic Leukemia  National Study of Lymphoma (University of Oxford network site-specific group— Hematology)  NCODA's Positive Quality Intervention resources  Pharmacy Times BTK Inhibitor Comparison Charts  ScienceDirect article: Treating CLL with Bruton Tyrosine Kinase Inhibitors: The Role of the Outpatient Oncology Nurse  The Video Journal of Hematology and Hematological Oncology  To discuss the information in this episode with other oncology nurses, visit the ONS Communities.   To find resources for creating an ONS Podcast Club in your chapter or nursing community, visit the ONS Podcast Library.  To provide feedback or otherwise reach ONS about the podcast, email pubONSVoice@ons.org.    Highlights From This Episode  “1952 we have the discovery by Colonel Ogden Bruton of that severe immunodeficiency due to lack of B-cell maturation, and next linked to e-gamma globular anemia. In 1993, we had Professor Vetrie and colleagues discover that this was actually due to mutation in a kinase, and they called that BTK. And then in 1993 was a discovery of our first BTKi inhibitor in the lab setting, and that's called LFM-A13. It wasn't until 2013, so that's 20 years after BTK kinase was discovered, where ibrutinib was our first-in-class BTK inhibitor, and the success of ibrutinib really promoted the exploration of second- and third-generation BTKis.” TS 6:24     “It's thought that BTK and other members in the pathway are constitutively phosphorylated, which just means they're spontaneously on. This leads to this uncontrolled activation of NF- κB signaling and thus uncontrolled proliferation and suppression of apoptosis. So, these B cells are rapidly dividing, but they're not functioning like they're supposed to be, meaning they won't differentiate, or, you know, they won't grow up to be either a plasma cell, like we talked about, or a memory B cell. They've been hacked.” TS 10:11     “This class is generally called—if you have to think of an umbrella term—it's just called targeted small molecule therapies. Now a subclass is BTKi or Bruton tyrosine kinase inhibitors. So, we're really shifting away from the use of cytotoxic chemotherapy, which is kind of designed to indiscriminately destroy rapidly dividing cells, to a more precise approach of targeting cells based on specific molecular changes in tumor DNA.” TS 13:47     “Cardiac toxicity can manifest as atrial fibrillation. And here I'll specifically talk about ibrutinib values because we have the most data with it, and the numbers actually get better with second- and third-generation BTKis. So frequency: Grade 1–2 atrial fibrillation was reported in 12%–15% of patients on Ibrutinib. And grade 3 AFib is 3%–5%. The onset, median onset is 8–13 months.” TS 20:23     “For nurses, they should really advise their patients that the caliber of headaches are easily managed and they will decrease over time over a period of four weeks. This is an upfront conversation reassuring the patient that this is not a long-term side effect.” TS 33:47     “One aspect that was being discussed at length was kind of identifying biases and then methods to neutralize those biases. So, I think first you have to identify what your bias could be toward BTK, maybe it's age or comorbidities or side-effect profile. And then, how can we mitigate our own biases is kind of the solution part to that.” TS 46:26 

✅ Learn more about the live event here: https://agentsofchangeprep.com/continuing-education-social-work/live-ce-event-helping-your-clients-cope-with-divorce-and-separation/ ✅ Learn more about Agents of Change Continuing Education here: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.agentsofchangetraining.com/⁠⁠⁠⁠⁠⁠⁠⁠ Hi there, I am a Licensed Clinical Social Worker and I have been providing Continuing Education instruction for almost 10 years! From all of this experience, I've built Agents of Change, where we offer unlimited continuing education courses and credits for a low annual subscription price. Find more from Continuing Education by Agents of Change here: ► YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@ContinuingEducationAOC⁠⁠⁠⁠⁠⁠⁠⁠ ► Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/agentsofchangece/⁠⁠⁠⁠⁠⁠⁠⁠ ► Facebook Group: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/socialworkcontinuinged/⁠⁠⁠⁠⁠⁠⁠⁠ #SocialWork #ContinuingEducation #SocialWorkCEUs #ProfessionalDevelopment #SocialWorkTraining #EthicsInSocialWork #MentalHealth #SocialWorkEducation #ASWBApproved #SocialWorkPractice #TraumaInformedCare #SocialWorkSkills #SocialWorkerLife #ClinicalSocialWork #SocialWorkCommunity #SocialWorkResources #SocialWorkCareer #SocialWorkAdvocacy #SocialWorkSupport #SocialWorkField #SocialWorkLeaders #SocialWorkGoals #SocialWorkEthics #SocialWorkResearch #SocialWorkTherapy #SocialWorkCounseling #SocialWorkStudents #SocialWorkNetwork #socialworkcontinuinged #aswbcontinuinged #aswbceu #aswbce #acece #aceceu #socialworkce #continuingeducationsocialwork #socialworktraining Disclaimer: This video content has been made available for informational and educational purposes only. This content is not intended to be a substitute for professional medical or clinical advice, diagnosis, or treatment.

Get ready for Divisional Round with our top prop bet picks! Join us as we break down the best NFL prop bets for opening week, analyzing player performances, key matchups, and hidden opportunities to maximize your winnings. Whether you're betting on touchdowns, yardage, or game-changing plays, we've got the insights you need to make the smartest bets. Subscribe now and start the season with a winning edge! Earn $50 in Pick6 Credits and a month of NFL+ Premium when you play $5+ on your first ever entry on Pick6

The UPX Podcast is the ORIGINAL and #1 spot for news, strategy, non-financial advice, and more in Upland. Join 2Stupid2Win & ThankMeLater as they discuss the current events, strategies, and community of the metaverse known as Upland.Sign up for Upland using this referral code discover.upland.me/UPX-Podcast. Earn of 50% bonus on your first deposit up to $100.Follow us on Twitter www.twitter.com/upxpodcastSHOW DISCLAIMER: The views, information, and opinions expressed on The Upland Property Xperts (UPX) Podcast are solely those of 2Stupid2Win, TML, and any guests of the podcast and do not necessarily represent/reflect those of UplandMe Inc. We are not employed by, or provided insider information from the UplandMe Inc. Nor are we financial/investment advisors. All discussion about properties, types of properties, or any other NFTs in Upland to buy or sell is not financial advice. Please do your own research first. We do not guarantee any particular outcome from participating in Upland. There is potential for loss from participating in the purchase, sale, or investing in Upland and their metaverse.

Welcome back to the Real Life Leadership Podcast! Today, we sat down with special guest Gary Wilson and Kellan Ness.   Discover the ultimate guide to TikTok growth and monetization with top influencers Gary and Kellan!

Send us a text#050 In this episode of Raising Financial Freedom, host Eric Yard takes listeners on an inspiring journey to empower kids with financial independence. By teaching them how to earn money, kids not only discover the value of a dollar but also gain essential life skills like responsibility, confidence, problem-solving, and goal-setting.Eric shares actionable strategies and ideas for kids to start earning—whether they're creative, tech-savvy, or full of energy. From traditional jobs like babysitting and lawn care to entrepreneurial ventures like selling art, running a lemonade stand, or even helping with social media, there's something for every child.This episode emphasizes the importance of guiding, encouraging, and allowing kids the space to take ownership of their ideas. It also explores teaching money management through the save-spend-give method and letting kids learn from their financial mistakes.To inspire the young entrepreneurs in your life, Eric shares practical tips, anecdotes, and insights to get started, plus a link to an article with over 100 ideas for kids to earn money.Key Discussion Points:Why Earning Money Early MattersBuilding confidence, independence, and creativity.Teaching responsibility and life skills.Ways for Kids to Earn Money:Traditional Jobs: Babysitting, lawn mowing, shoveling snow.Creative Ventures: Selling art, putting on puppet shows, bake sales.Tech-Savvy Ideas: Social media content, video editing, selling thrift items online.Seasonal Jobs: Lemonade stands, gift-wrapping services, gardening.Money Management Basics:The Save-Spend-Give Method: Teaching balance in financial goals.Letting kids make mistakes and learn valuable lessons.Parental Role in Empowerment:Encourage and guide kids without doing the work for them.Provide opportunities for them to try and learn.The Bigger Picture:It's not just about earning—it's about empowerment and unlocking untapped potential.Links and Resources:Article: 100+ Ways for Kids to Earn Money Free tool Bundle: Dollars and Sense BundleNurturing Finance for more informationContact: Send your feedback or questions to info@raisingfinancialfreedom.com.Call to Action:Challenge: Share one idea from today's episode with a child in your life and help plant the seed of possibility.Share the Episode: If today's insights resonated with you, pass it along to a friend or family member.Social Media: Find and follow us on social media through links provided on RaisingFinancialFreedom.com.Ending Note: Thank you for listening to Raising Financial Freedom. Remember, empowering children today sets them up for a bright financial future tomorrow. Stay kind to yourself and others. Don't forget to like and subscribe to stay up to date with future episodes.

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In this episode, we explore how famotidine, a common heartburn medication, might help treat post-COVID brain fog. New research suggests this H2 blocker could improve cognitive function in recovering patients. But how does a stomach acid reducer potentially clear mental haziness? Faculty: Scott Beach, M.D. Host: Richard Seeber, M.D. Learn more about our membership here Earn 0.5 CMEs: Quick Take Vol. 62 Famotidine for COVID-19 Brain Fog: A Promising Treatment Option

Kick off the week with our expert betting breakdown for NFL Divisional Round! Join us as we analyze matchups, key stats, and betting lines to help you make the smartest picks for opening week. From underdog upsets to sure-fire favorites, we've got the insights you need to start your betting season strong. Don't miss out – subscribe now for your Divisional Round betting guide and get ready to win big! Earn $50 in Pick6 Credits and a month of NFL+ Premium when you play $5+ on your first ever entry on Pick6

Is earning a college degree the only path to a rewarding career? How can we build more pathways into the world of work? Are more diverse apprenticeship models the answer? To help answer these questions, we have Ryan Craig joining us today on The Balancing Act Podcast. Ryan is a managing director at Achieve Partners–an education-focused private equity firm based in NYC. Ryan is also the author of Apprentice Nation: How the “Earn and Learn” Alternative to Higher Education Will Create a Stronger and Fairer America; A New U: Faster + Cheaper Alternatives to College; and College Disrupted.  Tune into episode 176 to hear Ryan's story, his career "rocket-booster" moment, and his perspectives on the value of a college degree, apprenticeship models, and alternative pathways into rewarding careers. Learn more about Ryan Craig at: https://www.achievepartners.com/index.html  Learn more about Andrew Temte at: www.andrewtemte.com 

On this episode of The Table with Anthony ONeal, we're sharing the EARN Method—a powerful four-step strategy designed to help you create a lifestyle that sticks. Whether you're aiming to crush your goals, build better habits, or step into the life you've always dreamed of, this approach will keep you on track and motivated. It's not just about starting strong; it's about sustaining progress and making lasting changes. Tune in as we break down how to EARN your way to success and financial freedom. Let's make 2025 a year to remember!Mentioned On Today's Show:**This show is kindly sponsored and brought to you by Better Help & Ethos!**

Polina Pompliano, Author of ‘Hidden Genius' and Founder of The Profile, and Anthony Pompliano, Author of ‘How To Live An Extraordinary Life' and CEO of Professional Capital Management, discuss Jamie Dimon's recent comments about bitcoin, why global liquidity matters so much, what is going on with the LA fires, who is responsible, President Biden's comments on the economy, and Mark Zuckerberg's recent changes at META.  ======================= BitcoinIRA: Buy, sell, and swap 75+ cryptocurrencies in your retirement account. Take 3 minutes to open your account & get connected to a team of IRA specialists that will guide you through every step of the process. Go to https://bitcoinira.com/pomp/ to earn up to $500 in rewards. ======================= Xapo Bank, the world's first fully licensed Bitcoin-enabled bank, offers military-grade security with an unmatched blend of physical and digital security, as well as pioneering regulatory oversight, so your funds are always protected. Beyond secure storage, they enable you to grow and use your Bitcoin. Earn daily interest in Bitcoin, spend with zero FX fees using a global card, and make instant payments via the Lightning Network for unrivalled access and convenience. Visit https://www.xapobank.com/pomp to join. ======================= Pomp writes a daily letter to over 265,000+ investors about business, technology, and finance. He breaks down complex topics into easy-to-understand language while sharing opinions on various aspects of each industry. You can subscribe at https://pomp.substack.com/ ======================= View 10k+ open startup jobs: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://dreamstartupjob.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enroll in my Crypto Academy: https://www.thecryptoacademy.io/

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3006: ESI from ESIMoney.com breaks down the transformative power of investing, the third step in the "Earn, Save, Invest" wealth-building strategy. By focusing on amount, time, and return, investments compound to multiply your net worth over time. With insights into index funds, real estate, and more, this guide simplifies how to grow wealth efficiently. Read along with the original article(s) here: https://esimoney.com/invest-overview-fueling-your-net-worth/ Quotes to ponder: "Time is the best way to maximize your investment return because your money starts to make money. And then that money starts making money." "Investing is the step that supercharges your net worth and opens the door to high levels of wealth." "Done well, your net worth will shoot to the moon." Episode references: The Simple Path to Wealth by JL Collins: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at readthejoe.com/subscribe-swap Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textIn episode 242 of Beyond The Story, Sebastian Rusk interviews Zulfiya Forsythe, the CEO and Founder of Omadli Group, as she shares her inspiring journey from being a corporate accountant to venturing into the world of IT and data analytics.Tune in to hear how her passion for improving efficiency led to the creation of a company that empowers others to harness the power of data and technology.TIMESTAMPS[00:01:04] Journey from accounting to IT.[00:07:11] Love for numbers and creativity.[00:08:52] Veterinary clinics and data management.[00:14:02] AI chatbot solutions for veterinary.[00:15:37] AI solutions for business processes.QUOTES"People come to you for expertise and they rely on you to kind of provide that and be self-sourced and dependent on solving these problems." - Zulfiya Forsythe“Let's take a look at the processes that are taking a long time on your end… And let's figure out the kind of workflow that we can set up for you so you can scale your business so you can also educate your team on the AI solutions as well.” - Zulfiya Forsythe“AI is definitely not going anywhere. Looks like it's here to stay, whether we like it or not.” - Sebastian Rusk==========================Need help launching your podcast?Schedule a Free Podcast Strategy Call TODAY!PodcastLaunchLabNow.com==========================SOCIAL MEDIA LINKSSebastian RuskInstagram: https://www.instagram.com/podcastlaunchlab/Facebook: Facebook.com/sruskLinkedIn: LinkedIn.com/in/sebastianrusk/YouTube: Youtube.com/@PodcastLaunchLabZulfiya ForsytheInstagram: https://www.instagram.com/zulfiyaforsythe/LinkedIn: https://www.linkedin.com/in/zulfiya-forsythe-akbarova-cpa-0214b98/WEBSITEOmadli Group: https://omadligroup.com/==========================PAYING RENT? Earn airlines when you do with the Bilt Rewards MastercardAPPLY HERE: https://bilt.page/r/2H93-5474

In this episode, Dr. Jay sits down with Dr. Jordan Grumet (Doc G) to explore his shift from full-time medicine to part-time hospice care—and the profound lessons he's learned about life's purpose along the way. Drawing from his upcoming book The Purpose Code (releasing January 7, 2025), Doc G breaks down the difference between “big P” purpose—goal-driven and ambitious—and “little P” purpose, which is about enjoying life's journey.Discover practical strategies to uncover your own purpose, from revisiting childhood joys to conducting life reviews. We also challenge the idea of financial independence as the ultimate life goal and explore why human connection is key to true happiness. Tune in for thought-provoking insights and actionable takeaways to guide you toward a more fulfilling life.Schedule your Childfree Wealth Checkup here: https://childfreewealth.com/schedule-meetingMentioned in this episode:-Purpose Code Book: https://jordangrumet.com/books/ -Orbiting the Giant Hairball: https://www.amazon.com/Orbiting-Giant-Hairball--Corporate-Surviving/dp/0670879835 -Essential Retirement Planning for Solo Agers: https://sarazeffgeber.com/books/ About our Guest: Jordan Grumet, born in Evanston, Illinois in 1973, found the spark to become a doctor after a deeply personal event reshaped his life's trajectory. The unexpected loss of his father, an oncologist, ignited a passion within him to practice medicine and instilled a unique vantage point that later melded seamlessly with his financial expertise. This convergence of roles has spurred him to explore profound notions like wealth, abundance, and financial independence with a thoughtful and critical lens. Completing his studies at the University of Michigan, Jordan earned his medical degree from Northwestern University before embarking on a journey in Internal Medicine in Northbrook, Illinois. Presently, he serves as an associate medical director at Unity Hospice.With expertise in medicine and finance, Jordan launched the Earn & Invest podcast in 2018, earning a Plutus Award in 2019 and nominations in 2020 and 2021. He is the author of Taking Stock (2022) and The Purpose Code (2025), offering insights on financial independence, wealth, and purposeful living. Jordan's journey intertwines medical insight and financial wisdom, resonating deeply with those seeking a balanced, meaningful life.Connect with Doc G on Instagram: @earnaninvest or Facebook: @docgreen .#LifePurpose #FindYourPurpose #HumanConnection #MeaningfulLiving #PurposeOverMoney #Childfr The Childfree Wealth Podcast, hosted by Bri Conn and Dr. Jay Zigmont, CFP®, is a financial and lifestyle podcast that explores the unique perspectives and concerns of childfree individuals and couples. Like the show? Leave us a rating & review! If you want to join the conversation, email us at media@childfreewealth.com, follow Childfree Wealth® on social media, or visit our website www.childfreewealth.com! Join our newsletter HERE. Schedule a meeting with a Childfree Wealth Specialist® HERE. Instagram: @childfreewealth Facebook: @childfreewealth LinkedIn: @childfree-wealth YouTube: @ChildfreeWealthPodcast Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3006: ESI from ESIMoney.com breaks down the transformative power of investing, the third step in the "Earn, Save, Invest" wealth-building strategy. By focusing on amount, time, and return, investments compound to multiply your net worth over time. With insights into index funds, real estate, and more, this guide simplifies how to grow wealth efficiently. Read along with the original article(s) here: https://esimoney.com/invest-overview-fueling-your-net-worth/ Quotes to ponder: "Time is the best way to maximize your investment return because your money starts to make money. And then that money starts making money." "Investing is the step that supercharges your net worth and opens the door to high levels of wealth." "Done well, your net worth will shoot to the moon." Episode references: The Simple Path to Wealth by JL Collins: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at readthejoe.com/subscribe-swap Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3006: ESI from ESIMoney.com breaks down the transformative power of investing, the third step in the "Earn, Save, Invest" wealth-building strategy. By focusing on amount, time, and return, investments compound to multiply your net worth over time. With insights into index funds, real estate, and more, this guide simplifies how to grow wealth efficiently. Read along with the original article(s) here: https://esimoney.com/invest-overview-fueling-your-net-worth/ Quotes to ponder: "Time is the best way to maximize your investment return because your money starts to make money. And then that money starts making money." "Investing is the step that supercharges your net worth and opens the door to high levels of wealth." "Done well, your net worth will shoot to the moon." Episode references: The Simple Path to Wealth by JL Collins: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 Join 250K readers (20% of which have hit 7 figures) who are already building a brighter financial future - subscribe now. Sign up at readthejoe.com/subscribe-swap Learn more about your ad choices. Visit megaphone.fm/adchoices

Alright, hear us out: finding your purpose doesn’t have to be this do-or-die, all-or-nothing thing because that kind of thinking will drive your finances crazy, thinking you’ll find it once you have everything, but nope, not at all. In this episode, Jen and Jill are joined by Jordan Grumet of Earn & Invest Podcast to share simple reminders on how to find your purpose and what it really means to have one.

Revero Clinic for treating chronic diseases: https://revero.com Join Revero Now to transform your health: https://revero.com/membership Jenny, a 64-year-old woman from rural NSW, has transformed her health and athletic performance through a carnivore diet. Living with her husband Mick, she has a diverse professional background as a bench chemist, outdoor leader, and chef. Throughout her youth and early adulthood, Jenny struggled with weight management, emotional eating, and various health issues. She developed a back problem at 25, battled ovarian cancer at 27, and underwent a hysterectomy at 45. She was also diagnosed with HNPP, a rare genetic condition affecting her nerve sheaths, and developed an alpha-gal meat allergy from a tick bite. In 2021, at age 61, Jenny began her journey with a keto diet before transitioning to carnivore in June 2022. This dietary change led to an 18kg weight loss, stabilizing at 58kg. She has since gained about 3kg of muscle while maintaining her lean physique. The carnivore diet has helped Jenny overcome numerous health issues, including her meat allergy. She now thrives on two meals a day, eating various meats but avoiding dairy. Her HNPP symptoms have significantly improved, and she maintains steady energy levels throughout the day. Jenny has become an accomplished ultramarathon runner, recently completing a 93km race in Thailand in 21 hours and 47 minutes, securing second place in her age group. This achievement earned her a priority entry into the 2025 series final in Chamonix, France. While she maintains a strict carnivore diet during training, she adapts her nutrition slightly during long races. Despite social challenges around her dietary choices, Jenny remains committed to her carnivore lifestyle, finding it has dramatically improved her quality of life and athletic performance. She continues to be monitored by a low-carb specialist and maintains excellent blood work results. https://www.facebook.com/groups/556693360056310 Timestamps: 00:00 Trailer and introduction. 03:31 Facing health challenges: back pain, tumor, fatigue. 08:07 Doctors investigated nerve issues, excited about findings. 12:21 Returned to eating red meat, passed test. 15:25 Stiffness during race led to dietary insights. 17:56 Switched to Carnivore diet due to issues. 23:20 How do you reconcile chef skills with carnivore? 25:33 Different dietary needs; abstain from triggers entirely. 27:43 Calmer, stronger, focused with carnivore diet. 32:48 I avoid sharing unconventional health habits. 33:28 Perceptions shift: diet choices impact weight loss. 39:16 Using carbs and MCT for race energy. 40:42 Earn running stones to enter race ballot. 44:46 Rural town perception limits healthcare advocacy. 47:37 Older individuals thrive on ketogenic carnivore diet. See open positions at Revero: https://jobs.lever.co/Revero/ Join Carnivore Diet for a free 30 day trial: https://carnivore.diet/join/ Carnivore Shirts: https://merch.carnivore.diet Subscribe to our Newsletter: https://carnivore.diet/subscribe/ . ‪#revero #shawnbaker #Carnivorediet #MeatHeals #HealthCreation   #humanfood #AnimalBased #ZeroCarb #DietCoach  #FatAdapted #Carnivore #sugarfree  ‪

How do you go from zero business experience to smashing state records in just a few summers? In this episode of Leaders Across America, Steve Acorn talks with Adam Pompilius, a standout in the Young Entrepreneurs Across America program and Michigan's all-time sales leader.    Adam shares his journey of becoming Rookie Manager of the Year, managing over $230,000 in sales during a single summer, and transforming his raw potential into real-world success. He discusses the key lessons he's learned about mentorship, time management, and personal growth throughout his three years in the program. From mastering the art of leadership to balancing the grind with having fun, Adam's story is packed with actionable insights and inspiration.    Whether you're an aspiring entrepreneur looking to take your first steps or simply curious about the skills and mindset needed to excel in business, this episode offers a wealth of inspiration and practical advice. Adam's journey will leave you feeling motivated, equipped with fresh perspectives, and ready to tackle your own challenges with confidence and determination.   If Adam's story inspired you, share this episode with someone who could benefit from hearing it! Don't forget to follow, rate, and review Leaders Across America to stay updated on more incredible stories of young leaders making their mark. In This Episode You'll Learn: Mentorship plays a huge role in figuring out what works and how to succeed. Effective time management is critical—you only have so much time in a day, so make the most of it Hard work and dedication can lead to extraordinary results Being coachable and learning from those who've walked the path before is essential to growth Having fun, learning, and embracing personal development are key to making the most of the internship experience And much more…   Resources: YEAA Website Leaders Across America  

Clarity is so important as you create your ideal massage or bodywork practice. In my years of coaching massage therapists on the business side of their practices, I've seen a lack of clarity about what you want your practice to look like hold so many wonderful practitioners back. In today's episode, I share two critical numbers for bodyworkers. Once you get clear on these numbers, you'll be on your way to building the practice of your dreams. “You can avoid burnout and earn even more income by paying attention to these 2 simple numbers. I want you to get clear on these and you'll be amazed at how much simpler and more straightforward and more clear your practice will become.” This Week on the Do It With Intention Podcast: Learn the difference between the numbers of clients you have and the numbers of sessions you have in a given timeframe (day, week, month, year). Find out how it's much easier to work with your existing clients — making their lives a touch better with the great work you do — than it is to scramble for new ones. And how burnout can affect us both physically and mentally — and lead to us not doing our best work. Resources from this episode: Register now for a new training — Marketing Your Bodywork Business in 2025 and Beyond. Grab your free practice-building resources here! Check out my website The Bodywork Project Have a question you'd like answered on the podcast? Shoot me an email!

Lehigh head coach Pat Santoro checks in with Shane Sparks on the latest Go Earn It Podcast.

Audiobook Creation Exchange (ACX) is officially rolling out higher royalties for authors, but it's NOT available for everyone. Bookvault, the UK-based print on demand company, expanded print distribution into Australia. And, the Kindlepreneur Dave Chesson updated one of his pieces on keywords that every author should read. All that and more in the self-publishing news this week!  Book Award Pro - https://DaleLinks.com/BookAwardPro (affiliate link) Subscribe to The Self-Publishing Hub - https://TheSelfPublishingHub.com Subscribe to my email newsletter - https://DaleLinks.com/SignUp Join Channel Memberships - https://DaleLinks.com/Memberships Join Me on Discord - https://DaleLinks.com/Discord Check out my main YouTube channel - https://www.youtube.com/@DaleLRoberts My Books - https://DaleLinks.com/MyBooks  Sources: Coming Soon to ACX: A New Royalty Model and More Opportunities to Earn - https://www.acx.com/mp/blog/coming-soon-to-acx-a-new-royalty-model-and-more-opportunities-to-earn Bookvault - https://Bookvault.app Written Word Media: The Top 10 Publishing Trends for 2025 - https://www.writtenwordmedia.com/the-top-10-publishing-trends-for-2025/ How to Find Keywords That Actually Sell Books: Broad vs Niche Keywords - https://kindlepreneur.com/broad-vs-niche-keywords/ 10 Book Cover Design Trends that Await Us in 2025 - https://miblart.com/blog/book-cover-trends-this-year/ Stop Missing Out: Monetize Your Writing with Audio | Spoken.Press - https://www.youtube.com/live/PgnK8ZnHC4M?si=szyiUMgpWuOfRn5k Spoken Beta V0.7: Full Audiobooks And Custom-Designed Character Voices - https://www.spoken.press/the-spoken-chronicle/v07-full-audiobooks-and-custom-character-voices The Ultimate List of Book Fairs, Festivals, and Conferences: January – June 2025 - https://www.ingramspark.com/blog/www.ingramspark.com/blog/ultimate-list-of-upcoming-book-festivals-2025 Help Shape the Future of AI in Publishing – Take the Survey Today! - https://publishdrive.com/help-shape-the-future-of-ai-in-publishing-take-the-survey-today.html Audit My Ads Application - https://DaleLinks.com/AuditMyAds Why Your Amazon Ads Fail & How to Fix Them - https://www.youtube.com/live/IfmTzZDWwsI?si=smFPdL7fsDKZzi4q Twin Flames Studios present: The State of Publishing in 2025 - http://twinflamesstudios.com/publishing/?partnerid=r1397 2025 Publishing All-Stars Predictions - https://www.youtube.com/live/3qfVf5h67xw?si=Z-UOT_kUz5_wibKw 100 Livestreaming & Digital Media Predictions, Volume 5 - https://geni.us/F76lM5 (Amazon) The Positivity Switch: Practical Steps to a Happier You - https://geni.us/qheToo (Amazon) Credit: Miblart - https://DaleLinks.com/Miblart (affiliate link) Laterpress - https://Laterpress.com  Where noted, some outbound links financially benefit the channel through affiliate programs. I only endorse programs, products, or services I use and can stand confidently behind. These links do not affect your purchase price and greatly helps to building and growing this channel. Thanks in advance for understanding! - Dale L. Roberts

What if cleaning wasn't just a chore but a path to empowerment, financial independence, and personal growth? In this episode, Holly Oldham shares how she turned life's moments into a thriving business and a platform to inspire others. Get ready for a conversation about boundaries, resilience, and creating a life that's unapologetically yours.  Holly Oldham is a two-time published book author, poetic comedian, and solopreneur behind PRMF Luxury Cleaning, a successful high-end cleaning service. An advocate for domestic violence, parental alienation, mental health awareness and a daily volunteer shoreline custodian, Holly is recognized in her community for her commitment to beach cleaning. She is a multi-state performer around the United States and a previous radio show host. As a proud PRIDE community member, parent to four adult children, and grandparent, Holly finds joy in travel and is passionate about anything coconut or mango-flavored. She also deeply loves all animal, especially turtles, and is the proud owner of a leopard tortoise named Patience. This year, she treated herself to an Alaskan cruise and is eagerly anticipating her 49th birthday celebration with a cruise to Mexico, Honduras, and the Bahamas—an experience made possible by the success of her luxury cleaning business. Today, Holly will be introducing her “Earn While You Burn” program, showing others how they, too, can profit while staying active. Despite her many talents, Holly will always choose cleaning over cooking! In this episode: How Holly transformed her life and business post-divorce. Why setting boundaries is key to personal and professional growth. The importance of self-love and how it impacts every aspect of your life. How the cleaning industry can be a lucrative and fulfilling entrepreneurial path. Practical tips for building financial independence and confidence. Action Steps for the week: Mirror Work: Look at yourself in the mirror and say, “I love you.” Repeat this daily to build self-love. Set Self-Love Reminders: Schedule reminders on your phone that say, “I love you” to pause and practice intentional breathing. Give Yourself Grace: Remember, life isn't always easy, but you're capable of meeting challenges and growing stronger every day. Connect with Holly: Get her course, Earn While You Burn: https://pausereflectmoveforward.teachable.com/?flash=checkout.unpublished_purchasable_error?fbclid=IwY2xjawGkG1RleHRuA2FlbQIxMAABHRuEe4_U7LeTWAMaDlkkQjhP7wm8DEdTmKreluL676gQ04ChYF4jUZ5FTg_aem_MavI_qqrz6UkScGuUVL-3w Facebook  FREE Facebook business all-female group  TIKTOK YouTube Instagram  Connect with me, Hayleigh Hayhurst: Steal my Podcast Launch Checklist for free: ⁠https://www.espressopodcastproduction.com/⁠checklist⁠ Website: https://www.espressopodcastproduction.com/ YouTube: https://www.youtube.com/@EspressoPodcastProduction Instagram: https://www.instagram.com/espressopodcastproduction/ TikTok: https://www.tiktok.com/@espressopodproduction Music: John Kiernan. www.johnkiernanmusic.com Produced by Espresso Podcast Production: https://www.espressopodcastproduction.com/ Join the Conversation: What did you think of this episode? Share your thoughts and key takeaways with me on social media using the hashtag #EmployeeToBoss. If you enjoyed this episode, please leave a review and share it with your network.

The following guest sits down with host Justin White:•   David Kakish – Branch Manager, C2 FinancialDavid Kakish is part mortgage broker, part mad scientist. He tests out everything and then builds systems and processes around what works best. How did this strategy help David double his business? Listen to Episode 88 of Good. Better. Broker. to find out how he earns business without having to ask for it.In this episode of the Good. Better. Broker. podcast, you'll learn how a newer mortgage broker 2X'd his business by creating processes to impress real estate agents and borrowers.In this episode, we discuss...•   1:24 – David doubling his business in 2024•   2:08 – David's previous career as a pastor•   3:15 – systems and processes that have helped David succeed•   7:14 – testing out processes to see what's most effective•   8:49 – why David refers to loans as happy accidents•   12:23 – how David utilizes data and tracking leads•   14:52 – David's perspective on real estate agent relationships•   17:07 – testing out cold calls•   21:24 – how David attracts new real estate agents•   23:51 – David's advice for creating processes with people in mindResources mentioned in this episode:RETRShow Contributors:David KakishConnect on LinkedInConnect on FacebookConnect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University.Connect with Justin on LinkedIn, Instagram or TwitterConnect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

In this episode of Beyond Common Business Secrets, Tracey Watts Cirino reveals 3 simple yet powerful steps to manifesting what you truly desire. Whether you're seeking personal growth or business success, Tracey shares practical strategies and her favorite tools—like the Beyond Common Essentials Program The CEO Power Code System, and our exclusive Perfect Your Brand Message Workshop to help you align with your goals. Learn how to get clear, take action, and trust the process to bring your dreams to life. If you are ready to truly go deeper book your Deep Dive Life Strategy Session now and let's get started on your journey to manifesting the life and business you truly desire. This is the first step to being invited to Tracey's VIP mentorship programs.Are you ready to say goodbye to fear, frustration, and overwhelm when it comes to growing and scaling your business? You're in the right place. Welcome to Beyond Common Business Secrets Podcast I'm your host, Tracey Watts Cirino Support the showGet your FREE Checklist to save time every week 5 Time-Saving Strategies Checklist https://www.beyondcommoncoaching.com/strategiesTime Mastery for Female CEOs: Unlocking Your Path to Freedom

In this episode of the Prepared School Psych podcast, host welcomes Armando Fernandez, a seasoned school psychologist with over three decades of experience, currently serving as the lead psychologist at Elk Grove Unified School District and president of eGrasp. Armando discusses his career journey, the impact of his leadership on professional development, and the importance of ongoing training through the eGrasp affiliate. He highlights the benefits of networking, leadership opportunities, and the affiliate's role in offering low-cost continuing education units (CEUs) for school psychologists. Armando also shares insights about staying current with trends in the field, organizing workshops, and provides advice to new school psychologists. Resources: EGRASP Website: https://www.egrasp.org/ EGRASP FB Page: https://www.facebook.com/groups/452473931616673 ------------------------------------------------------------------ Upcoming Training Series: Overlapping Eligibilities: Differentiating When Similar Criteria is Apparent Join Jenny for a two-part live training series, exclusively available to members of the Prepared School Psychologist Community. These sessions will explore practical strategies for eligibility determinations and writing eligibility statements. Part 1: January 22nd, 11:45 AM – 2:00 PM PST Part 2: February 5th, 11:45 AM – 2:00 PM PST Can't attend live? Replays will be available within 24 hours. Earn 4.5 CEU credits or download a certificate of completion. Who Should Attend? School psychologists seeking practical tools to navigate overlapping eligibility determinations and effectively communicate findings with teams and families. Ready to Join? Membership in the Prepared School Psychologist Community provides access to this training series, along with 35+ mini-courses, exclusive resources, and monthly live office hours. ⁠⁠⁠Click here to join now⁠⁠: ⁠https://jennyponzuric.com/prepared-school-psychologist/ ------------------------------------------------------------------- Follow Jenny for updates and resources: Instagram: ⁠@jennyponzuric⁠ LinkedIn:  ⁠https://www.linkedin.com/in/jenny-ponzuric-1562a8119/⁠ Join our LinkedIn Group: ⁠https://www.linkedin.com/groups/14462888/⁠ Timestamps: 00:00 Introduction to the Podcast and Guest 00:02 Armando's Career Journey 00:59 Favorite TV Shows 01:55 Role and Impact of eGrasp 03:43 Professional Development and Workshops 04:26 Balancing Work and Volunteering 10:02 Advice for New School Psychologists 14:08 Leadership in School Psychology 18:01 Conclusion and Final Thoughts The information and advice provided are for guidance purposes only. All participants must adhere to federal and state law, along with their school district guidelines and policies.

Are you tired of working hard but feeling stuck? It's time to break free from the rat race! In this episode, Chinkee Tan, your Pambansang Wealth Coach, reveals proven strategies to help you earn more while working less. Learn how to build multiple income streams, leverage systems, and achieve financial freedom. FREE webinar alert! Discover how to double—or even 12x—your income while escaping the grind. Register now at

⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm   

The Buckeyes were pushed to the brink on Friday night in the Cotton Bowl against Texas, but on both sides of the ball their veterans answered the challenge and elevated their games to earn a spot in the national championship. Ohio State is set to play Notre Dame to cap the expanded College Football Playoff, and before diving into that matchup, former Buckeyes captain Zach Boren took one more look at the epic victory over the Longhorns to kick off the week on THE Podcast Daily.Want to talk even more Ohio State football with the guys? Text us! Send a text to 614-662-4509 to get started and receive your first two weeks free.#OhioStateFootball #bigtenfootball #BigTen #buckeyesfootball #Buckeyes #THEPodcast

Today, I'm thrilled to welcome Dr. Jordan Grumet back to the podcast. Jordan is the Associate Medical Director at Unity Hospice, a financial blogger, and the host of the Earn and Invest Podcast.  In his new book, The Purpose Code: How to Unlock Meaning, Maximize Happiness, and Leave a Lasting Legacy, he follows up his work in Taking Stock to explore how to make a mark, set goals that are meaningful to you, and create a map for anyone to find happiness. In our conversation, Jordan shares examples, exercises, and tools you can use to define and create meaning in your life right now. We talk about how finding meaning and purpose is accomplished by taking action and working towards it, and how Jordan's rules help turn your “purpose anchors” into forward momentum.  GET FREE ACCESS TO JORDAN'S BOOK TITLED THE PURPOSE CODE: HOW TO UNLOCK MEANING, MAXIMIZE HAPPINESS, AND LEAVE A LASTING LEGACY Here's all you have to do... Step 1.) Subscribe to the podcast and leave an honest rating & review over on iTunes. Step 2.) Text the word BOOK to 888-599-4491 and we'll make sure you get signed up for free. It's that simple! In this podcast interview, you'll learn: How an antique store owner who collected baseball cards taught Jordan the power of purpose, self-confidence and community. That finding your purpose after retiring can take months, and that's okay.  What makes talking about purpose so anxiety-inducing–and how Instagram and TikTok have made it worse.  Why we all need interpersonal connections and community.  How Jordan describes the difference between purpose and goals. Our Market Outlook Webinar is live! Visit https://bit.ly/4bmHkUb to register. Show Notes: RetireWithPurpose.com/478 Rate & Review the Podcast: RetireWithPurpose.com/review

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Send us a textIn episode 241 of Beyond The Story, Sebastian Rusk interviews JuliAnn Crafton, an E-Commerce Expert, as she discusses the importance of mitigating risks in business, the excitement of helping clients achieve their goals, and the lessons learned from scaling a business. Tune in to discover how Julianne's experiences have shaped her business perspective and the lessons learned along the way.TIMESTAMPS[00:02:45] E-commerce growth and entrepreneurship.[00:06:32] E-commerce marketplace expansion strategies.[00:08:34] Scaling and risk management.[00:12:26] Client referral benefits in e-commerce.[00:16:21] TikTok as a commerce platform.[00:20:01] TikTok shop evolution and strategy.[00:22:19] Digital real estate investment.QUOTES“If you don't take care of your customer, somebody else will… You have to speak their language in your language as crazy loaded as that sounds on there just to be able to help them better understand.” - Sebastian Rusk"I didn't want to start all over again for someone else. And so we just decided to start all over for ourselves." - JuliAnn Crafton"Every business, every industry has a risk involved, but working hard and striving to eliminate as much or mitigate as much risk for us and for our clients, has always been our number one priority." - JuliAnn Crafton==========================Need help launching your podcast?Schedule a Free Podcast Strategy Call TODAY!PodcastLaunchLabNow.com==========================SOCIAL MEDIA LINKSSebastian RuskInstagram: https://www.instagram.com/podcastlaunchlab/Facebook: Facebook.com/sruskLinkedIn: LinkedIn.com/in/sebastianrusk/YouTube: Youtube.com/@PodcastLaunchLabJuliAnn CraftonInstagram: https://www.instagram.com/julianncrafton/Facebook: https://www.facebook.com/julianncrafton==========================PAYING RENT? Earn airlines when you do with the Bilt Rewards MastercardAPPLY HERE: https://bilt.page/r/2H93-5474

Imagine a world where your family's financial future is not dictated by banks but built by you. What if you could create a self-sustaining system provides security and offers opportunities for generations to come? For us, this is not just a concept—it's our reality through family banking. Let us take you on a journey into how we built our Marshall Family Bank using the Infinite Banking Concept and how you can start building one too. https://www.youtube.com/live/uj_1A7Prpr8 Welcome to the Money Advantage! Here, we equip you with practical financial strategies to take control of your wealth, avoid common pitfalls, and create a legacy that lasts. Today's focus? Family banking—an approach rooted in Infinite Banking that allows families to take control of their financial futures, break free from traditional banks, and pass wealth along for generations. Today, we're discussing the Marshall family Bank —a system we've developed using Infinite Banking through specially designed whole life insurance policies. The Power of Family BankingHow We Started Our Family BankPolicy DetailsLessons Learned Along the WayStarting Early Pays OffReaching Break-EvenThe Generational VisionChallenges and SolutionsOvercoming Analysis ParalysisPatience is KeyBehavior Over DesignHow to Start Your Own Family Bank1. Clarify Your Goals2. Work with a Knowledgeable Advisor3. Get started and Stay Committed4. Educate Your FamilyThe Case for Family BankingBook A Strategy Call The Power of Family Banking In this article and podcast, we'll reveal how we established our family bank, the lessons we've learned, and actionable steps to start your own journey. This approach has allowed us to: Store, access, and grow our capital sustainably. Fund both personal and generational goals. Create a lasting legacy of financial security. Family banking is more than a strategy—it's a lifestyle. At its core, it's about reclaiming control of the banking function in your life by creating a financial system that works for you, not against you. Infinite Banking, the foundation of family banking, leverages the cash value of whole life insurance policies to build a pool of capital you can access and use throughout your life. Unlike traditional banks, this approach allows you to: Earn uninterrupted compound growth on your money. Borrow from your policy while it continues to grow. Create financial stability for future generations with a guaranteed death benefit. Nelson Nash, the founder of this concept, famously said, “Compounding is the eighth wonder of the world.” Infinite Banking magnifies this principle by letting you benefit from uninterrupted growth over decades. How We Started Our Family Bank Our journey began in 2012 with a single whole life insurance policy funded by a $10,000 annual premium. At the time, we were searching for a safe and liquid place to store our savings. At the time, we were overweighted in gold and silver, which fell short in terms of accessibility and stability. This led us to Infinite Banking. With this system, we gained: Liquidity: Instant access to cash when we needed it. Growth: Tax-advantaged, consistent growth over time. Legacy: A financial tool that benefits our family even after our lifetime. Policy Details in the YouTube video link near the top of this article, you can watch the live recording of the podcast episode to see the high-level details of our family bank as of Dec 2024 and see a deep dive into the annual statement of one of our policies. Lessons Learned Along the Way Starting Early Pays Off If there's one thing we wish we could change, it's starting sooner. The earlier you begin, the longer your policies have to grow and compound. As we've learned, compounding is a slow process initially but accelerates dramatically over time. For instance, in one of our policies, the annual cash value growth now exceeds the premium we pay—one of the “break-even” poi...