Podcasts about ethically

Send us a textShownotes can be found at https://www.profitwithlaw.com/489.How to Build the Dream Team That Will Double Your Law Firm's RevenueThis episode brings you inside a powerful session from the Law Firm Growth Summit, where Moshe dives deep into how to assemble a dream team for your law firm and avoid the most expensive hiring mistakes.Law firm owners constantly tell host Moshe Amsel the same thing: “I can't find good people.” But in this episode, Moshe challenges that mindset—and shows exactly what's really holding you back from hiring top talent.Whether you're overwhelmed, stuck with underperformers, or afraid to offer competitive salaries, Moshe breaks down how to approach hiring differently—so you can build a team that not only gets the work done but drives serious growth.From calculating the actual cost of a bad hire (spoiler: it's close to $200k) to setting up salary ranges that attract A-players, Moshe lays out the exact strategies he's coached law firm owners through to grow fast without breaking the business.Chapters:[00:00] Live from the Law Firm Growth Summit: Building a ‘Dream Team'[01:31] The true cost of cutting corners: Why underpaying is your biggest mistake[04:19] Hire slow, fire fast: The law firm owner's golden rule for team growth[09:46] Overwhelmed and understaffed? Emergency solutions to law firm bottlenecks[14:42] From contract labor to referral partners: Temporary fixes that free your time[17:31] The secret “ninja trick” to doubling revenue when you're at capacity[21:03] The 6-step proven hiring process for rock star law firm employees[22:43] Core values and mission alignment: Unlocking long-term team loyalty[26:02] Position clarity: Writing job descriptions that attract more A-players[29:55] Salary strategies that attract the best: Why posting compensation matters[32:50] Performance-based compensation: Ethically justifying top-level pay for resultsResources mentioned:Book your FREE strategy session today!: profitwithlaw.com/strategysessionTake the Law Firm Growth Assessment and find out how you rate as a law firm owner! Check out our Profit with Law YouTube channel!Learn more about the Profit with Law Elite Coaching Program hereJoin our Facebook Community: https://www.facebook.com/groups/lawfirmgrowthsummit/To request a show topic, recommend a guest or ask a question for the show, please send an email to info@dreambuilderfinancial.com.Connect with Moshe on:Facebook - https://www.facebook.com/moshe.amselLinkedIn - https://www.linkedin.com/in/mosheamsel/

Do you question: How can I unearth, interpret and integrate Spiritual guidance? How do I build a connection with my Spiritual team safely? What do the auras, visions, sounds, colours, sounds, sensations, beings mean & how do I make them make sense? In this episode you will:- Uncover what a Spiritual connection to self, unseen team & Reiki energy is for tangible impact in your life & work. - Understand how you can unearth, solidify and grow confidence within your Spiritual connection.- Identify the difference between intuition & Spiritual wisdom, and what steps to take to strengthen connection with both.- Learn how you can develop your unique Spiritual connection for practical, actionable guidance with meaning. - Uncover what steps to take to integrate Spiritual wisdom into your life & work for practical shifts. Here's my free 60 min workshop to Decode theMechanics of Unseen Energy - Evolve your Spiritual Connection Safely & Ethically; Bridge any gaps left by mainstream training - Reclaim whatever has been left out; Step away from hierarchy, attunements and outsourcingyour power, to stand strong in your Spiritual authority: https://reikiredefined.com/lifting-the-veil-on-reiki/⁠Here is the link to my free online non – guru community, with no hierarchy or all-knowing behaviour, where you'll find a practical workshop supporting you to integrate any truths this episode has unearthed for you, inside Embodied Echoes - After the Pod.  If you feel called to meet that shift with presence in your unique practise, there's a space waiting that doesn't direct, but invites your own unfolding: ⁠https://reikiredefined.com/free-community/⁠You'll find me on socials @reikiredefined.

Send us a textIn this final episode of season one, Ashley Shaw and guest Leslie Eaves, SREB's director of project-based learning, explore Pillar 4 of SREB's Guidance for the Use of AI in the K12 Classroom: ethical and proficient student use of AI.Ashley and Leslie discuss why it's not enough for educators to simply use AI—we need to help students use it responsibly, too. From media literacy to writing support to prompt engineering, this episode explores the skills students need to succeed with AI now and in the future.

Not too long ago, an incident involving some B Team members and the potential misuse of AI occurred, which inspired today's conversation. What are some ways to use AI ethically? Nef and I met today to discuss not only AI, but also the wisdom of Capoeira, the hardships of being a family man and a martial artist, and raising a kid. ********************************************** About Nef Nef is a practitioner of a few different styles of martial arts: Muay Thai, Jiu Jitsu (Brown Belt), and Capoeira (Cordão Azul/Amarelo). He's also a working graphic designer with a master's degree. > https://www.instagram.com/gorilao/ Music > "Breathe" by Lupus Nocte can be found on Epidemic Sound ********************************************** Please feel free to send your recommendations via email at theflowrollpodcast@gmail.com. Follow Us > Edgar OtraVez on Instagram: https://instagram.com/edgarotravez/ > The Flow Roll on Instagram: https://instagram.com/theflowroll/ > The Flow Roll Website: https://TheFlowRollPodcast.com/

In this episode of the Real Estate Investing School Podcast, host Joe Jensen sits down with Chris Prefontaine, founder of the Wicked Smart community, four-time bestselling author, and veteran of over 1,000 real estate deals. Chris unpacks his unique approach to creative financing through lease purchase, owner financing, and subject-to strategies. He shares how these no-personal-loan, low-money-down methods generate not just one, but three profitable paydays per deal, and why his team emphasizes high buyer success rates and doing business with integrity. Chris opens up about the setbacks that shaped his career—ranging from 9/11 and the 2008 crash to personal hardship—and how those moments influenced his ethical, long-term view on wealth building through real estate. You'll learn how he trains students in over 80 markets by partnering on real deals and creating lasting cash flow. Whether you're a beginner or a seasoned investor, this conversation offers both tactical insights and philosophical clarity about building resilient, values-based businesses in today's market. Book a free real estate investing strategy call! No experience necessary. Check out the Real Estate Investing School Youtube Real Estate Investing School Instagram Brody's Instagram Joe's Instagram Chris's Instagram Get Your Free Book Here Watch Chris's Masterclass

In this powerful SaaS Fuel episode, Jeff Mains sits down with Kasim Aslam – founder of 3X Freedom and former owner of the world's #1 ranked Google Ads agency, Solutions 8 – to unpack the real truth about building scalable SaaS businesses in a post-AI world.From scaling with pro talent and unlocking global teams to solving traffic first, Kasim brings tactical wisdom and hard-hitting insights that every founder needs to hear.You'll learn:Why your first business problem is attention, not operationsHow to build a community-first traffic engineThe new rules of hiring and why average employees are liabilitiesWhy direct mail is outperforming Google Ads in some verticalsThe formula to scale with high expectations and zero micromanagementWhether you're stuck on lead gen or overwhelmed by growth, this conversation will reset your SaaS growth mindset.Key Takeaways00:00 - Why Kasim's recruiting agency brings him to tears01:00 - Global hiring creates societal impact02:25 - SaaS Fuel intro + The Captain's Keys book04:00 - Solving for traffic before anything else06:00 - How Google & Meta changed the game on traffic09:00 - Build community first: the real traffic moat10:30 - Why direct mail is Kasim's secret weapon14:00 - Do what doesn't scale — and win15:15 - Passive income myths & the 20/80 reality18:00 - Why pro talent is your ONLY edge in AI21:00 - Pay top dollar or pay the price25:00 - Real stories: $400/month to $9K/month27:00 - The ethical way to scale with international talent30:00 - Impact + profit can coexist34:00 - Why scaling dilutes quality, and how to lead through it38:00 - Kasim's step-by-step hiring flytrap funnel43:00 - Authorship = Ownership: Give employees the black box47:00 - Masterminds are dead—incubators are the future50:00 - Action beats education every time55:00 - Kick the ball: A soccer mindset for SaaS foundersTweetable Quotes“Solve for traffic first. If you can't predictably get attention, you don't have a business.” — Kasim Aslam“Community-based traffic is the most powerful and scalable source of growth.” — Kasim Aslam“There's nothing more expensive than a cheap employee.” — Kasim Aslam“Do the things that don't scale. That's where all the leverage is.” — Kasim Aslam“AI doesn't eliminate the need for humans. It amplifies the value of great ones.” — Kasim Aslam“Stop managing. Give people the end result and get out of their way.” — Kasim AslamSaaS Leadership LessonsSolve for Traffic First – If you can't predictably attract customers, you don't have a business—just a hobby.Direct Mail Isn't Dead – In an AI-saturated world, old-school methods like direct mail can outperform digital ads.Community is the New Funnel – Build or borrow trust through niche communities before launching any product.Only Hire Pro Talent – Average employees don't scale well. In an AI world, B-players are liabilities.Pay More, Get More – The highest-paid talent delivers exponential output, not incremental.Do the Things That Don't Scale – Human touch, personalized experiences, and offline tactics create differentiation.Guest ResourcesEmail - kasim@3xfreedom.comWebsite - http://paretotalent.com/FB -

Your qualifications, passions, life experiences aren't coincidence - and not knowing how to merge that altogether into a meaningful expression of your soul's work is a clear sign: you're on the cusp of creative spiritual evolution.In this episode you will: - Get clear on the practical action to take for yourself to blend modalities together.- Understand how to harness the power of Spiritual wisdom to unearth & birth your unique energy work that no-body else can replicate.- Uncover how to align internal fulfillment with external impact by embodying Spiritual authority, embracing your exclusive soul-led purpose.- Explore how you can fill the gap between Reiki theory and intuition with Spiritual connection, for tangible results. -Recognise the signs that are calling you to embrace creative Spiritual evolution as a transformational guide & authentic leader.Here is my 60 min free on-demand workshop where decoding the mechanics of unseen Energy & evolving your Spiritual Connection Safely & Ethically is included: ⁠https://reikiredefined.com/lifting-the-veil-on-reiki/⁠Here is the link to my free online non – guru community, with no hierarchy or all-knowing behaviour, where you'll find a practical workshop supporting you to integrate any truths this episode has unearthed for you, inside Embodied Echoes - After the Pod.  If you feel called to meet that shift with presence in your unique practise, there's a space waiting that doesn't direct, but invites your own unfolding: ⁠https://reikiredefined.com/free-community/⁠You'll find me on socials @reikiredefined.

Is it really this easy? You buy a share market index fund and it goes up by 10 per cent every year.....Hmm...Well, actually, the ASX 200 index is comprised of 50 per cent banks and miners: When they rise together, an index fund will fly high. But if the going gets tough, your share portfolio will not be as diversified as you may think. What's more, major problems are forming in the market where enormous amounts of money are pouring into stocks often because ETF algorithms are blindly following market momentum...how will it end? Adviser Jack Tossol from the Partners Wealth Group joins Associate Editor - Wealth, James Kirby, in this episode. In today's show, we cover... The hidden dangers of index funds Polluting the pond - New wave ETFs reintroduce risk Ethically oblivious passive investing Sophisticated investor rules should be scrapped See omnystudio.com/listener for privacy information.

The law of God sets the standard for believers to grow in Christlikeness. It teaches us that God's holiness is supreme. The first commandment calls us to an exclusive relationship with God. The second commandment guides us in how to worship the true God. The third commandment instructs us on how to honor the Lord's name.It's easy to think that God's name is just a word or a label, but the Bible shows it means much more than merely some description. In Leviticus 24, we read about a young man who misused God's name and faced the severe penalty of death via stoning by the entire community. While this seems extreme today, the passage teaches that misusing God's name is like wounding God Himself because it diminishes His greatness, slanders His character, and mocks His holiness. God is not petty; His name is who He truly is. To misuse it is to show disrespect for God's very identity.Why don't we see such punishments for sin today? This is a rather extreme punishment, and we might wonder if the God of the Old Testament is harsh while the God of the New Testament is merciful. Ethically, we need to see ourselves as Israel in exile, as strangers awaiting the fullness of God's kingdom or a reconstitution of heaven on earth. We are pilgrims sojourning in our exile (James 1:1; 1 Peter 1:1). When similar sins occur in the New Testament church, discipline takes a different form: the offender is removed from the fellowship (1 Corinthians 5:5), given space to repent before Christ returns. The community plays an important role, warning divisive people and ultimately avoiding false teachers and divisive people (Titus 3:10-11; Romans 16:17-18), but not with physical punishment. Jesus instructs that persistent offenders are to be treated as outsiders to the church family (Matthew 18:17). Our Lord tells us to put them outside the church as punishment to be as a gentile or a tax collector.This is why the Apostle Paul reminds us that the Mosaic order is the “pedagogue” (Galatians 3:24-25). The pedagogue was the slave commissioned to make sure that the children knew how to behave in public. They were normally cruel and harsh teachers who exercised harsh punishments. The Mosaic order teaches us the standard of holiness. When Israel lived in the Promised Land, the law's holiness was enforced strictly to reflect heaven's perfection on earth. However, Israel ended up in exile on more than one occasion, teaching us that we will not bring heaven on earth.Paul admits his own past as a blasphemer before receiving mercy (1 Timothy 1:13), reminding us how seriously God takes His name. Today, as God's people, we live as pilgrims in a foreign land, awaiting Christ's return. We honor God's name by living the gospel daily, walking in the Spirit's power, and living in hopeful anticipation of the coming kingdom.The only one who could establish the full and real glory is the promised messiah promised at the exit of Eden, covenanted to Abraham, and the one who establishes his kingdom now, spiritual. He is the new Joshua leading us through the wilderness to heaven's glory. This is why we revere the name of God today. We do so as redeemed people who represent the Lord's name. We do not want to be a people who always takes oaths for people to believe our words. We don't want to hastily take oaths, but only when it is necessary. We certainly want to use the Lord's name in a manner that honors him. Praise be to God who has secured us, grounded us, and redeemed us in Christ, ultimately vindicating his name by fulfilling his promise in Christ and making us alive in his Spirit.

Episode 161: Grab the Ultimate Ad Script right HERE - https://join.digitaltrailblazer.com/ultimate-ad-scriptMany online business owners feel trapped in a marketing arms race, believing they must make outrageous promises and manipulative tactics to compete. This leads to high refund rates, difficult clients, and burnout.In this episode, Jason Moss teaches us how to build a profitable business through authentic marketing that actually attracts better clients and generates higher returns. He reveals his "Marketing Flywheel" framework and how stepping out of the competition mindset and focusing on becoming a "category of one" through a longer-term, relationship-based approach not only feels better but is actually more profitable than short-cycle funnels, often producing dramatically higher returns on ad spend while building a business you can be proud of.About Jason Moss: Jason is a multi-six-figure business coach who helps online business owners scale with ethical, high-integrity marketing strategies. Starting his coaching business in 2016 with just $4,728 in revenue, he spent years refining what truly works.Now, he leads a thriving global community, has helped over 1,000 clients, and has scaled his own business to $500K+ per year.Passionate about sustainable growth, Jason empowers entrepreneurs to build profitable businesses that feel good and create lasting impact. He lives in Boulder, Colorado, with his partner Kimberly, their dog Boomer, and cat Zola.Download Jason's FREE Business Scaling Guide: https://go.jasonmoss.com/scaling-guide?Source=PodcastConnect with Jason: https://jasonmoss.com/ https://www.facebook.com/jasonmosscoach/ https://www.instagram.com/jasonmosscoach/ https://www.youtube.com/@jasonmosscoachGrab the Ultimate Ad Script right HERE - https://join.digitaltrailblazer.com/ultimate-ad-script✅ Connect With Us:Website - https://DigitalTrailblazer.comFacebook - https://www.facebook.com/digitaltrailblazerTikTok: https://www.tiktok.com/@digitaltrailblazerTwitter: https://twitter.com/DgtlTrailblazerInstagram: https://www.instagram.com/DigitalTrailblazer

On this episode of The Dept. Omar talks with Carter and George from Melanin Money about how to confidently charge premium prices and build a financial services business that solves big problems for the right clients. They share why it's important to focus on solving major problems not competing on price and how to shift your mindset to believe in your value. You'll learn how smart business structures and tax strategies help you keep more money and build real wealth. If you want to grow your financial services or coaching business and stop undervaluing your work, this episode is packed with practical advice and mindset tips to help you charge what you deserve.

Join us on Pathmonk Presents with Robert Carnes, Marketing Director at Green Mellen, a boutique digital marketing firm in Atlanta. Robert shares how Green Mellen helps small to midsize B2B service companies build trust through clear, compelling website messaging. He discusses using StoryBrand frameworks, tools like Hemingway app, and Headline Studio to craft effective copy. Learn how ethical marketing, community education, and consistent online presence drive long-term client relationships. Tune in for actionable insights to enhance your digital strategy and create meaningful connections, inspiring you to elevate your marketing with integrity!  

In today's conscious consumer landscape, ethical manufacturing is no longer just a buzzword—it's a growing standard that sourcing agents, retailers, and wholesalers must prioritize. More consumers want to know how products are made and who is making them, pushing companies to build transparent and responsible supply chains. In this episode, Anita discusses what ethical manufacturing really means for the home decor industry and how companies like Mondoro put these principles into practice. You can read more by clicking here.#GlobalTradeGalPodcast #HomeDecorManufacturing #EthicalManufacturing #SustainableLiving #SupplyChainTransparency #ConsciousConsumerism #ResponsibleSourcing #HomeDecorTrendsSupport the show

Tired of ridiculous diamond prices and worried about ethical sourcing? Lab-grown moissanite offers the same stunning sparkle as diamonds while being completely traceable - and there's no mining! Find out more at https://moissaniteengagementrings.com.au/ Moissanite Engagement Rings City: Southbank Address: Level 7, 80 Dorcas St Website: https://moissaniteengagementrings.com.au/

Dr. Eric Cole is a renowned cybersecurity expert, entrepreneur, public figure, and bestselling author who has spent over three decades shaping the cybersecurity landscape. From starting as a professional hacker for the CIA to serving as the 44th President's Commissioner on Cybersecurity, Dr. Cole has advised top companies and government agencies on digital security. Known for his pioneering work and business acumen, he's built and sold multiple tech companies and now leads Secure Anchor Consulting, helping organizations turn cybersecurity into a business enabler. His unique blend of technical expertise and entrepreneurial spirit makes him a leading voice in both cybersecurity and business innovation. On this episode we talk about: Dr. Cole's journey from CIA hacker to cybersecurity entrepreneur The fundamentals of ethical hacking and making money ethically How to spot future tech trends and build companies for high-value exits The state of U.S. cybersecurity laws and why federal regulation is needed Using AI and data analysis to identify investment opportunities and the future of cryptocurrency Top 3 Takeaways Ethics and Execution Matter: Dr. Cole emphasizes that making money ethically is crucial, and rapid execution—making decisions quickly and learning from them—is a key driver of entrepreneurial success. Spotting Trends Early: Success in tech and business often comes from identifying where the market is heading in 2–3 years, focusing on niche opportunities, and building intellectual property that creates leverage for future exits. Simplify and Standardize Security: The U.S. lags behind in unified cybersecurity laws, and there's a major need for simplified, standardized security practices that businesses and individuals can actually implement. Notable Quotes “Making money is ethical. Sales and ethical things. So it's how can you use cyber in a good ethical way to make money?” “Swing at every pitch. There's no striking out in life. The more I swing, the more I execute, the more I'm going to have opportunities, the more I'm going to make money.” “We need a very simplified model of cybersecurity...something that people can actually implement and we can actually check and verify.” Connect with Dr. Eric Cole: https://linktr.ee/drericcole

Joe Fogarty has spent over 30 years working in national security and law enforcement, in the UK and elsewhere. He's currently working on cyber-security risks and organised crime for the UK's central government, as the Head of the Government's Cyber Resilience Centre. Recently, he's been looking at security and law enforcement through a philosophical lens, through studying for a Masters in Applied and Professional Ethics at IDEA, the Ethics Centre at the University of Leeds. One of the big questions for these areas of work is how to balance privacy concerns against the public good, and we discuss that question, among others, in this interview.Some extra reading suggested by Joe:Omand, D. 2023. Examining the Ethics of Spying: A Practitioner's View. Criminal Law and Philosophy. https://doi.org/ 10.1007/s11572-023-09704-5). [Online].  Available from https://link.springer.com/article/10.1007/s11572-023-09704-5.Omand, D. and Phythian, M. 2023. Principled Spying - The Ethics of Secret Intelligence. Oxford: Oxford University Press. Available at https://uk.bookshop.org/p/books/principled-spying-the-ethics-of-secret-intelligence-david-omand/3583190.Fabre, C. 2022. Spying Through A Glass Darkly. Oxford: Oxford University Press. Available at https://www.amazon.co.uk/Spying-Through-Glass-Darkly-Counter-Intelligence/dp/019891217X.And if listeners are interested in a view from the top of the domestic national security establishment, there is an excellent Reith Lecture by former Head of MI5 Eliza Manningham-Buller here, which echoes some of the themes in the podcast: BBC Radio 4. 2011. Eliza Manningham-Buller - Securing Freedom: Security. [Online]. Available from http://downloads.bbc.co.uk/rmhttp/radio4/transcripts/2011_reith4.pdf. Book your place at our public event with Gavin Esler, "Dead Cats, Strategic Lying and Truth Decay", here. Ethics Untangled is produced by IDEA, The Ethics Centre at the University of Leeds.Bluesky: @ethicsuntangled.bsky.socialFacebook: https://www.facebook.com/ideacetlLinkedIn: https://www.linkedin.com/company/idea-ethics-centre/

*This week Billy gets called out for dodgy dealing, 'Pork Roll' gate continues and a question about whether not having gay friends is a red flag takes the team back all the way to 'early humans'... *Note to listener this is an early release of this weeks bonus as the main episode has been sacrificed to the podcast gods for being too good (tech issues) Want to be a Gossip Goddess or a Question Queen and win a badge (Ethically)?Send us your crazy and dirty confessions! They could be your own saucy tales or the goss you have on your friends! Send them in here:Whatsapp: https://wa.me/message/NJKXUPHEB7AAI1Gossip Form: https://forms.gle/5uwNGBb9QAkgXKKz5Insta and TikTok: @GossipGaysPod Hosted on Acast. See acast.com/privacy for more information.

Rory McGowan is joined by Klim Artemov from Globaltic. In this episode, Rory picks Klim's brains regarding charcoal and why we need to be careful and make sure we know where we're getting it from. Some of these countries that our producing our charcoal are victims to deforestation and poor labour conditions.  https://globalticltd.co.uk/ 

Buy local. Norris is back from Japan and has Some Important Teachings for everyone. We also discuss some Blue Prince, the new J'RPG Clair Obscur, and talk on the recent Baldur's Gate 3 patch. Also, come chill with us at our discord: bit.ly/hoppedupdiscord Hosts: Chris Norris, Mike Parker, David Beebe Music by David Beebe

Is it acceptable to date multiple people simultaneously? We invite you to share your perspective on being involved with more than one person at a time!The fun continues on our social media pages!Jeremy, Katy & Josh Facebook: CLICK HERE Jeremy, Katy & Josh Instagram: CLICK HERE

Read the new white paper from renowned voiceover talent agency Voices and explore the phenomenon of voice fraud and deepfakes. Learn what the future holds and how we can move toward a more ethical and transparent AI-savvy world. More details at https://www.voices.com/navigating-ai-voice-fraud Voices City: London Address: 100 Dundas St Suite 700 Website: https://www.voices.com/

In episode 690, Megan chats to Danielle Madden about how generative AI uses significant environmental resources and how content creators can use the technology more ethically. Danielle Madden founded Project Meal Plan in 2016 after spending too many lunch breaks searching for mediocre food while working her office job. Her educational background includes a Bachelor's Degree in Environmental Science, and hands-on training as a Seattle Urban Nature Guide. Danielle loves being prepared (especially with food), and is usually the first one to arrive at a gathering with a homemade dish to share. At Project Meal Plan, Danielle focuses on make-ahead food and sharing tools to help others plan their own meals. In this episode, you'll learn how generative AI works, how to understand its environmental impact, and how to implement sustainable practices in business. Key points discussed include: - Generative AI Uses Significant Resources: Data centers consume substantial water and electricity through complex cooling processes. - Water Consumption is Substantial: ChatGPT uses approximately 500 milliliters of fresh water per 20-50 questions. - Environmental Impact Varies: Different AI platforms have varying resource consumption levels, though specifics are not transparent. - Ethical Usage Matters: Content creators should critically evaluate when and how they use AI tools. - Prompt Writing is Key: More specific, detailed prompts can reduce unnecessary AI usage and resource consumption. - Fact-Checking is Essential: Always review and verify AI-generated content for accuracy. - Small Actions Add Up: Implementing sustainable practices in business can create meaningful environmental impact. - Transparency Helps: Consider creating a sustainability policy that acknowledges your commitment to responsible technology use. Connect with Danielle Madden Website | Instagram

Thinking about expanding your therapy practice to include coaching services, but feeling unsure about the legal side of things? This conversation with Christy Westerfeld is so worth a revisit.This episode originally aired in July 2024, and it's one of the most downloaded episodes to date. So, I'm bringing it back to the top of your feed!If you've been wondering:How do I set up a separate business entity?Can I market your therapy credentials when promoting your coaching?What must-haves should be included in my coaching contract to protect me and inform my clients?Where can I find ready-to-use legal templates and resources tailored to your coaching services?…then this one's for you. Christy brings over a decade of legal expertise straight to your ears, sharing invaluable tips that completely demystify the process. Even if you caught it the first time, this is a great refresher if coaching is still on your mind.More about Christy Westerfeld:Having been in the industry for over 5 years, she graduated at the top of her class from law school and became the top associate at her previous firm before venturing out on her own.She truly cares about her customers and fellow female entrepreneurs. If you've seen her trainings or live sessions, you know she can get FIRED UP about some of the most common legal myths or INCORRECT legal advice given by non-lawyers or lawyers unfamiliar with this field.Connect with Christy Westerfeld:Website: https://coachlegally.com/Instagram: https://www.instagram.com/coachlegally/Resources from this episode:QuickBooks

Ever wonder what the difference is between therapy and coaching? And if you are a therapist who wants to expand your services with coaching, do you have any clue what to do, where to start, and how to protect yourself legally?In this flashback episode, I talk with Carly Hill, LCSW and business coach for therapists who want to add coaching to their businesses. We discuss an important topic for therapists looking to add coaching to their practice: How to do it ethically and protect yourself, your business, and your clients.Here are three key takeaways from the episode:Don't just slap coaching onto your private practice: It's crucial to separate your therapy and coaching services into distinct business entities. This not only avoids ethical dilemmas but also ensures that you comply with licensing regulations and accounting practices.Understand the difference between therapy and coaching: While some definitions focus on past vs. future-oriented approaches, the simpler distinction lies in medical necessity. Therapy addresses clinical and mental health issues, while coaching tackles situational and nonclinical problems.Coaching certification is not required, but competence is essential: As a therapist, you already possess a wealth of clinical knowledge and experience. It's up to you to determine if you feel confident delivering coaching services in a specific area. While certification can boost confidence, it's not a prerequisite for calling yourself a coach.Listen to the full episode to learn more about the ethical considerations of incorporating coaching into your private practice. And remember, protecting your license and serving your clients with integrity should always be top priorities.More about Carly:Carly Hill is an LCSW and business strategist for clinicians. She specializes in helping overworked and underpaid female clinicians make more money and more impact by teaching them to build the online coaching business of their dreams.She helps clinicians break free from the 1:1 model to leverage their time, get paid for their knowledge, and live a life of true freedom. She helps clinicians to find their coaching niche, develop their high-ticket offer, and organically call in their ideal clients easily and effortlessly using her unique modern marketing masterplan.Carly's Website: carlyhillcoaching.comCarly's Facebook Group: facebook.com/groups/carlyhillcoaching–––––––––––––––––––––***This episode is an episode that All Things Private Practice is re-releasing for 2025. Please enjoy, and we'll be back with new content, resources, and guests in a couple of months. –––––––––––––––––––––

Unlock the Wealth-Building Secrets of Real Estate Investing! Learn how strategic real estate investing can dramatically transform your financial future. Discover the Revolutionary "5 Ways You Get Paid" Strategy, updated for today's times: Appreciation: Turn a 5% property value increase into a potential 20% return Cash Flow: Generate steady monthly income from tenants Return on Amortization (ROA): Let tenants build your equity for you Tax Benefits: Enjoy generous government incentives for providing housing Inflation-Profiting: Transform economic challenges into your personal wealth generator  Key Highlights: Potential 38% first-year return on investment No special certification or license required Ethical wealth-building using other people's money Proven strategy for creating generational wealth Simple, accessible investment approach for ordinary people Your wealth-building journey starts today! Share the wealth by sharing this episode with a friend. Free Resources: Connect with a free GRE investment coach at GREinvestmentcoach.com Download the infographic gift summarizing the five ways real estate pays here. Show Notes: GetRichEducation.com/550 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, real estate pays five ways updated for today's times, even with conservative assumptions, watch your total return from real estate climb to great heights today. You'll understand what billionaire real estate investors don't understand a new free audio course today on get rich education.    Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show, guess who keep 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   Speaker 1  1:12   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  1:28   Welcome to GRE from Belgrade, Serbia to Bellingham, Washington and across 180 nations worldwide. I'm Keith weinholder. You are back inside get rich education. Today you're going to understand real estate investing really well, probably better than anyone that you know, in less than an hour. Now, before I begin investing in real estate, I seriously wondered how in the world it could possibly be a lucrative investment vehicle. I mean, like, how would that even work? Because you've got this physical structure where elements wear down the outside, tenants wear down the inside, and the whole thing only appreciates it about 5% a year. Yawn. That is really boring. Well, later I would start to put the pieces together. And actually didn't really understand leverage in cash flow until after I had bought my first rental property, I became the person, however, to coin the real estate pays five ways concept, and I discussed that years ago on the show here, and now I have updated it for today's times. So the principles remain the same, but the numbers are different. That's because today, cash flows are lower and interest rates are higher than they were five and 10 years ago. So let's see what total rate of return we come up with today, and just how we get there. And on the way, you'll see even more evidence of why compound interest does not build wealth, and getting your money to work for you doesn't build wealth either. And to say that is total heresy. In a lot of financial circles, you'll clearly see how real estate has really made more ordinary people wealthy than anything else. This is course level instruction, and you're getting it all free right here today as part of one of our weekly episodes. This will help you retire earlier than you ever imagined, or just find the time for yourself to become the best version of yourself. Now, for long time, listeners, I've got to tell you first, much of today is going to sound like a review, but I've got a really surprising twist at the end here, in the fifth of five ways that you're paid, I also have a free gift to give to you and to all listeners today. And this is not in any way, replay of old material. It's not AI generated. It never is. It is me talking to you updated for today's times. And this is we're about to get started. This is just with simple buy in hold real estate. So you don't even have to be a house flipper or a wholesaler or a landlord, and you can just use normal 30 year mortgage loans. And as we see, it doesn't even take a ton of money. These are fundamental wealth building attributes that lay people don't understand and will change your life. I mean, more than 95% of real estate investors don't even understand what I'm about to share. We're going to calculate your rate of return from each of the five ways we'll calculate, then your cumulative return on investment until it builds up and culminates. In your total return at the end today, and I'll tell you anything less than a 20 to 25% total return in this buy and hold real estate is actually disappointing, and you don't even need to take on inordinate risk. But you'll see the exact percentage that we get up to today, and how it gets even higher than 20 to 25% I mean, this is how real estate creates Young Money and old money and Fast Money and slow money, and gives you access to other people's money. Ethically, all of that, we have some new listeners dropping by today. So if you're new here, I'm Keith Weinhold, get rich education founder, Forbes real estate council member, best selling author, and long time real estate investor, also an incomprehensibly slack jawed and snaggletooth to podcaster. But see here in the audio only, you only have to hear the slack jaw, but video platforms where you'll find me and this course on YouTube and rumble, oh, through a disaster, because you both hear my slack jaw and have to see my snaggletooth. It's dreadful.    Getting back to the course here, you know, school did little to teach you and I about the most important things in life, like nutrition or relationships or money. And you know what drives most divorces? Can you guess what it is? I mean, it's not arguments over trigonometri or English grammar or the periodic table of the elements. No, it's money problems. Well, the financial education in this course, it's gonna help you solve that as much as anything you need to take on the mindset of how you must unlearn what you've learned before you can believe something else.    We're gonna use this same simple example of a $200,000 income property throughout the course a rental, single family home. Yes, you can still find many of these, and it's with a rent paying tenant. Now, if you want to think bigger than a 200k property, no problem. Say you want a $20 million apartment building, you can just multiply everything by 100 because we're talking about ratios today. Say that when you buy this property, your down payment and closing costs have you putting in 25% All right? So you've now got 50k invested on this 200k property.    Well, in the first of five ways you're paid appreciation is what it's called. Well, historically, real estate appreciates at about 5% per year. All right, see your 200k Income Property appreciates to 210k There's your 5% yawn, boring. That might only be about the real rate of inflation. That's what most people think. But look at what you just did there already. You just did something amazing. You already benefited from a force greater than compound interest. You just created compound leverage, and most people don't even know it, because your return is far greater than the 5% total appreciation your return on investment is your gain, which is 10k divided by the amount that you have invested, which is 50k because that's all that you put into this. You just got a 20% return from only the first of five ways you're paid appreciation. And now, if you're scratching your head wondering how that just happened, how did 5% return go to 20% no worries, I will slow it down. And this course never gets more complicated than this, you achieved a 5% return on both your 50k invested and the 150k that you borrowed from the bank. See the return on the bank's money doesn't go to the bank, it goes to you all while the tenant pays the interest on the mortgage loan. We'll get to that part later for you, this could be your first moment of epiphany in this course, a light bulb moment. Yes, today you'll get more light bulb moments than Thomas Edison. That is the magic of leverage. It's so simple ethically use other people's money, but most people are only getting compound interest, a return on their money, only not theirs and others like they could have great so where does appreciation come from? What is its source? Supply versus demand for real estate an area's wage growth, population growth, a region's infrastructure improvements contribute to this. The shrinking availability of developable. Land and more. Now what if real estate prices go down? You're covered. That will be addressed shortly. Here we are just scratching the surface. You're starting to figure out why wealthy people's money either starts out in real estate or ends up in real estate. And the thing is, is you can do this the same simple way that I did when I began as a real estate investor. You don't need any degree or certification or real estate license in order to do this. Real Estate pays five ways.    Now that you know about the first appreciation, leveraged appreciation in real estate's case will carry forward your 20% gain and add it onto the second of five ways you're paid, cash flow. For many, this is the most important one. One way for you to think about this second way cash flow is that it's the recurring income from your tenant that shows up, whether you had any involvement with the property that month or not. That's why this is passive income most months. This one is the most liquid of the five ways, because it pays you cash every month, and therefore you can immediately either reinvest it or just spend it and increase your standard of living. This is effectively your salary increase plan. Yes, it's the opposite of a 401 k, which is a salary reduction plan, which actually was an early name of 401 K plans, since this income is sourced by your tenant rent payment, minus the property expenses. Your Cash Flow is sourced by jobs, because that's how your tenant gets their rent payment that they pay you, and this is why I like larger metro areas, your market selection is more important than your property. That's a huge lesson right there, because it's about the durability of this cash flow. All right, we're about to run the numbers and see what your rate of return from passive cash flow is. Let's do it. We'll build on our example of your ownership of a 200k income property with your 50k down payment. All right, on the 200k rental single family home, say that your rent is $1,500 a month. That is therefore $18,000 of annual rent income. But then you need to deduct out your expenses, and you do have a lot of them. They are your mortgage and your operating expenses, like I've shared with you before. The easy way to remember those operating expenses is with the acronym VIMTUM, vacancy, insurance, maintenance, taxes, utilities and management, and paying that manager is what keeps this mostly passive for you. So to be clear, your rent income minus your mortgage in VIMTUM operating expenses equals your cash flow. You can kind of think of that as your rent overflow. Okay, here we go. Say you figure that from your 18k of annual rent income that you need to pay out 15k worth of annual expenses, that leaves you with $3,000 of cash flow, or so you thought, but you have a freak plumbing problem that creates a bill of 1000 bucks. However, you have property insurance, but say your insurance deductible is $1,000 so you've just got to come and pay out of pocket for your managers, plumber to fix it, and now the $3,000 of annual cash flow you thought you'd have only leaves you with $2,000 somewhat of a thin cash flow. Then that's a higher maintenance expense than you had previously forecast in your pretty looking pro forma projection. That often goes wrong, because something stupid often happens out of the blue in real estate investing, all right, well, with your $2,000 of cash flow, which is passive income, that's divided by your same 50k invested that gives you a return of 4% from the second of five ways you're paid. That number is what's known is the cash on cash return. You thought it would be 6% but we're being conservative. The Freak plumbing problem made it just 4% add this to the 20% from leverage depreciation in the first video, and you now have an accumulated 24% total rate of return from this income property already, and we still got three ways to go. We're just gonna keep piling onto this return in the next three ways you're paid. How high is this going to go? And you know what's interesting with this? Luke. Conservative math adding up your lofty return. It's actually conservative as we proceed, you'll note that I'm using simplification and rounding you're going to see me round down more than round up. To keep this conservative and real estate math is simple. It's just add, subtract, multiply or divide. There's nothing complex, no trigonometri or calculus or exponents. This is easy. You just have to know what numbers to use, and that's what you're learning and reinforcing today.    Now here's a weird scenario. Imagine if you had a stranger out there funding a bank account for you, making monthly contributions into this illiquid savings account. I mean, does that sound too good to be true? Nope. It exists. The third of five ways that real estate pays is exactly why this is real, as this free audio course, real estate pays five ways continues for you. Real estate has so many ROIs returns on investment that one of the five is called an Roa. That's the third way you're paid. And none of this material is new or esoteric or avant garde. It's always been out there. There's just been no one else that's put it together before this, most people were never taught how to build real estate wealth in the real world. And what's insane about this third of five ways you're paid is that now you're probably already getting paid more ways than you ever have. I mean, instead, what is most people's investing experience, it's in stocks, bonds, mutual funds, ETFs, gold or Bitcoin. I mean, that's where you're typically only paid one way, capital appreciation, if you even get that, and maybe a second way is if you have a dividend paying stock. But I mean, that's all you've got. One way, maybe two. If you want to build wealth, you've got to give your money multiple jobs. That's exactly what we're doing here. ROA stands for your return on amortization this third way you're paid is the monthly principal pay down portion of your mortgage. That's your return. So we're going to add your ROA to the 24% total return that we've accumulated so far. And now you might think you already have experience with an ROA if you have a mortgage on your own home, your primary residence, but no, not actually, because in your own home each month, a portion of your mortgage payment goes toward principal pay down and the rest of pay interest, but all you did in your primary residence is you went and you had to work to earn money all month. All you did at the end of that month was move that money from your cash pocket over to your equity pocket when that mortgage payment gets made. So that's merely a transfer of funds, but with income property, your tenant earned that cash that month to pay your mortgage principal payment, and we'll tally that up in a moment. On top of the principal, they pay your entire interest payment, plus your tenant pays you a little on top of that each month called cash flow, which was the second way you're paid. So yes, your tenant is going to work for you. If your tenants rent payment is a third of their income, they're working close to 10 days a month just for you, just to pay your rent. I mean, that is amazing. If you add properties with rent paying tenants like this. It's sort of like you have all these employees out there working for you, and yet you don't have to manage them at work. It is amazing this third of five ways focuses on that return on amortization, and the etymology of the word amortize that comes from the old French meaning death. And that makes sense, your tenant is slowly killing off your mortgage balance for you over time. So let's do this. Let's add up your ROA, all right, we're using this same example where you got a 150k loan on your 200k rental, single family home. Let's say that you got a 7% interest rate on a 30 year fixed rate mortgage, so just the plain everyday loan. Just look up any amortization calculator, enter those numbers in there, and you'll see that in year one, your tenant pays down over $1,500 of your income properties mortgage balance for you, let's round it down to just 1500 bucks, because it could have been some vacancy in there as well. Your ROA is simply this year, one principal pay down divided by your amount invested again, that is 1500 bucks divided by your 50k Of down payment and closing costs that you have in the property your skin in the game. And this is another 3% return for you. That's your Roa. I mean, you are beginning to really build wealth now. This is somewhat of a hidden wealth generator that a lot of investors never consider. Many of them are aware of this, though, it's like your tenant is funding an ill, liquid savings account that has your name on it. We'll add this 3% ROA to the tally of a 24% cumulative return that we figured from the first two ways. Yes, you are now up to a 27% total rate of return from appreciation, cash flow, your ROA, and we still have two of the five ways to discuss. We're just gonna keep piling onto your return. What is the source of your Roa? This 3% it is jobs again, your tenants income. If interest rates fall and you refinance, you'll get an even higher annual chunk of tenant made principal pay down, even with the initial loan kept in place this 7% mortgage note, how in future years, your amount of 10 it made principal pay down. Only keeps increasing over time. But we're only talking about year one in this whole example. We're going to carry forward your 27% total rate of return so far into the next one as this real estate pays five ways. Audio course will continue here in Episode 550 of the get rich education podcast, yeah, even the episode number has some fives in it as we roll on, breaking down just how the five ways build wealth more after the break, I'm your host, Keith Weinhold, this is get rich education.   You know what's crazy? Your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time, in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom family investments, liquidity fund again. Text family to 66866. Hey, you can get your mortgage loans at the same place where I get mine, at Ridge lending group and MLS, 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 Chaley Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com That's ridgelendinggroup.com.   Speaker 2  23:45   This is Ridge lending group's president, Caeli Ridge listen to get rich education with Keith Weinhold, and remember, don't quit your Daydream.   Keith Weinhold  24:10   Welcome back to get rich Education. I'm your host. Keith Weinhold, as we continue with the real estate pays five ways audio course, before the break, we're rolling forward a 27% total ROI from the first three ways that you're simultaneously paid. Again, nothing complicated, just with a piece of buy and hold real estate that you purchase carefully. You don't have to do any renovations. You don't have to be a landlord. This is how you're going to build forever wealth, legacy wealth, if you don't come from money now, money can come from you. This can shake up your entire family tree. After today, you'll have a concrete plan. I don't come from wealth. I build it myself, and I'm laying out the architecture of how I did. Just that in a simple way for you, the fourth of five ways you're paid is that real estate investors are rewarded with a generous basket of tax benefits from the government because you are doing what the government wants. You're providing others with housing. Informed people know that if you spend money on certain things like solar panels for your home or education expenses, you get a tax break for spending that money. Well, with real estate, you don't even need to spend any money to get a tax break every single year. Incredibly, you get the tax deduction anyway. It's easy. Let's do it here. And you know, it's time to make something crystallized for you. And this can rock your world and even induce some disbelief. Some people say, don't get your money. Get your money to work for you. We've all heard that. Here is the heterodox. Here is the paradigm shift. If you want to build wealth, don't get your money to work for you. Outside of this show, I bet you have never heard that iconoclastic stance your best and highest use as an investor is not to get your money to work for you. It's making other people's money work for you. OPM, now, you probably heard that before as well, but I've got a twist on that. But see if you want to build wealth, do you think you'd have to both think and act differently than the masses? I mean, yes, you certainly do, but this is your differentiator, even multi decade billionaire real estate investors don't realize what I'm about to share with you forever. Wealth is built. Early Retirement, wealth is built. Your standard of living is indelibly elevated beyond what you ever thought possible because you are ethically using other people's money three ways at the same time, the bank's money for leverage in the loan, which we covered in the first way, you're paid the tenants money for cash flow and loan pay down, which we covered in videos two and three. And now here you are using the government's money for generous tax benefits at scale, which we're covering in this fourth of five ways you're using other people's money, three ways at the same time within this, this is why you're building wealth. And of course, this does not mean you're exploiting people by using their money, just the opposite. You're doing good in the world. Provide people with housing that's clean, safe, affordable and functional. Do that, and you'll be profitable in the long term and never get called a slum lord. Rental property income is generally taxed at ordinary income tax rates, but you don't have to pay tax on all of your rental income. The tax deductions are generous from rental property, you can deduct out your mortgage interest and your operating expenses, which I will not cover in our example. You also get a depreciation deduction. We'll look at that one closely, and when you sell, you can endlessly defer your capital gains tax so you never have to pay it all of your life, all right. Well, what does this really mean? If you buy a rental property for 200k and after a bunch of years you sell it for 500k your capital gain was 300k in most investments, you need to pay capital gains tax of at least 15% on this you would take a $45,000 tax hit. But with real estate, when you sell if you generally replace it with a property of equal or greater value, your capital gains tax is zero, absolutely zero. Now, rental property taxes are somewhat complicated, and I am not a CPA, I'm giving general guidance. I'm not going to get into things like your adjusted basis and other details. In fact, I'm not even going to consider this benefit of deferred capital gains tax in tallying up your rate of return. So instead, let's only look at your return from the tax depreciation portion of your full basket of tax benefits. It's going to keep things simple, and it'll also keep our example more conservative. Yes, even though your 200k rental property in our example tends to appreciate in value, the government says you can get a tax break because they say that the property wears out over 27 and a half years. That's just what the IRS guideline is. This only applies to rental property. There's no depreciation deduction on a primary residence. Let's do it on your 200k property, you can only depreciate the structures value called the improvement, not the land portion. We'll say that your structure or house's value is 150k and the land is 50k even the IRS knows that land doesn't wear out, only the structure. Divide your 150k structure value by 27.5 Yep. Pretty weird, arbitrary number, but that's how long the IRS says it takes to wear out. That gives you $5,454 that's how much you can depreciate or shelter from taxes if you're in the 24% tax bracket, that's $1,309 in tax savings for you. Divide that by how much you have invested in this 200k property. Again, that was 50k when you made the down payment and closing costs. This is a 2.6% return. Let's keep being conservative and round that down to 2% there it is our number from the fourth of five ways you're paid. We are layering on another 2% return. Now, can you really call a tax break part of your return? Is that fair? Should that be considered? Yes, it is, in this case of tax depreciation, because you did not even have to incur an expense in order to get that deduction, that's why some people call it the magic of depreciation. Usually, to get a tax break, like I was saying earlier, you have to make an out of pocket expense, like pay for fees to attend a conference or buy solar panels or pay automobile expenses. But you don't have to do that here, so the 2% rate of return for your tax benefit is even more conservative when you realize that we also are not digging into how this piece of real estate can also make you eligible for other tax benefits like a qualified business income deduction, a cost segregation and bonus depreciation. And for simplicity, we're not going to go run examples on different marginal tax brackets, and there are income thresholds and other thresholds, whether you're married or single. And of course, we are excluding that erstwhile capital gains tax that you can legally duck out of to collect all the tax benefits without me having to get deeply involved. At the end of each year, my property manager just sends my property's financials directly to my bookkeeper. And yes, I know we've got some CPAs listening to this right now thinking that 2% that is much too low of a return from your basket of tax benefits, but that is all we're going to use. We're going to add this to the ROIs that we accumulated from leverage appreciation at 20% in the first way, cash flow at 4% in the second way, and an ROA of 3% in the third way, plus this 2% from tax benefits here in the fourth way, here we are up to a 29% first year total ROI from your 200k single family income property that you so wisely purchased. Now you know how to use other people's money three ways at the same time again, the banks, the tenants, and with these tax breaks the governments.    Let's move on to the fifth of five ways. Add up your total rate of return, and then I'll give you some more important takeaways to give this context, and I'm going to give you your free gift. Your fifth way is your second biggest profit center, and most real estate investors don't even know that it exists, you're going to profit from something that actually makes most people poorer. So we're going to take our 29% add the fifth way to it, and it's going to culminate in your total number. The fifth way is called inflation profiting. Remember, it's not inflation hedging. Real Estate bought the right way is not an inflation hedge. Hedging is defensive, meaning that you break even from inflation, but no instead, you're actually profiting from inflation. That's different. This is offensive. Now a conventional financial advisor. You know, they're often out there selling investment products that tout something like a 10% rate of return. You know, synonymous with a return from the s, p5, 100. Ask your financial advisor about the five drags on that return. It's 10% minus inflation, emotion, taxes, fees and volatility, and your adjusted return is often less than zero. Just look at their track record. Stocks and mutual funds don't make anyone wealthy. They might just preserve wealth if you already have it strategically bought. Real estate has hegemony over all the other. Set classes precisely because it pays five ways. Either you can be a conformer or you can build wealth. If you want to escape financial mediocrity, you can't run with the herd. You need to get into a lot of good debt. It sounds scary until you realize that debt is tied to a carefully selected income property, meaning your entire debt payments are therefore reliably outsourced to tenants. DEBT, TAXES and inflation are three forces that make most people poorer. It makes most people poorer because they either don't have the resources, or they don't have the know how to arrange their financial life. They don't have any strategy. Well, today, you're learning how to make these three forces, DEBT, TAXES, inflation, those three wealthier with the Debase purchasing power of the dollar. You know most people, they see the price of a new car that goes from 50k to 60k or that their favorite Subway sandwich goes from nine bucks to 10 bucks, and then they just kind of hope that their salary keeps up. You know, that's sort of the average experience with inflation. Now, you and I, we would not save by stashing a million bucks under the mattress, because 3% inflation would de base its purchasing power by 30k every single year. That's why we do the opposite of saving. We borrow. For every million you borrow, we'll every year say that with inflation, your wage, salary, rent, income, all go higher by 3% now it gets easier to pay back your million dollar loan all while the tenant pays the interest, and you're profiting 30k each year. So after one year, you only owe the bank back 970k and inflation adjusted dollars and 940k after year two, and 910k after year three, inflation debases savings and debt at the same rate, so borrow instead of Save and see, this is the reason why the top selling financial author of all time, Robert Kiyosaki, a frequent guest on our show here, he says, savers are losers, debtors are winners. In an inflationary world, don't be a saver. Be a savvy debtor, because in the future, you can count on more inflation. See, the government needs inflation to occur. The easiest way for the US to repay its 10s of trillions of dollars in debt is to just keep printing lots of dollars, and that process debases every dollar that you're currently holding on to. Who cares about your debt when both tenants and inflation are just relentlessly paying it down for you? That is if you're doing real estate right, which means buying an income producing property with a loan. That's the whole formula here. That's all we're doing, buying a rental property with a loan. But when you understand how inflation both pumps up your real estate value and simultaneously debases your debt, it turns your world upside down, you almost become this inflation cheerleader, because inflation is now good for you, as this audio course is now covering the fifth of five ways you're paid. Please understand some risk still exists. You could buy in the wrong market, hire the wrong property manager, or just buy the wrong property no matter what, you're going to have some inevitable problems along the way, like that plumbing problem I mentioned earlier in the second of five ways you're paid over leverage is a risk over leverage means that you take on so much debt that you can't make the monthly payments so you can still lose money. But from listening today, you vastly increase your chances of being profitable, and that's why we say that carefully bought real estate has the best risk adjusted return. Here we go, following through with our example across all five ways on your 200k income property that you made a 50k down payment on, that is therefore a $150,000 loan that you took out at a 3% inflation rate each year, your debt is then being debased by $4,500 this is a quiet, hidden wealth generator that most investors don't even know about. $4,500 of inflation profiting divided by your same 50k down payment means that you have another 9% rate of return. Wow, a 9% rate of return that you're getting that most investors don't even know about. I mean, in the conventional financial world, I mean, they're proud to offer you a nine. Percent mutual fund return over time, and they advertise that as something good here by putting a down payment on a rental property. This 9% is another sweetener that no one even notices, and that gets added on to everything else. It's just incredible. Yes, 9% now, in the past, I used to think this return was just the inflation rate that we're using here, 3% but see, this is leveraged as well a 9% return from inflation profiting. And like I mentioned, uh, towards the beginning of the show, this is the twist for a long time get rich education. Podcast listener, see 3% that would merely be a hedge. So add this 9% to the 29% running total in the first four ways, and there you have it, an astounding 38% total rate of return from the five ways that real estate pays 38% I mean, you are really understanding why wealthy people's money either starts out or ends up in real estate, and that you don't have to be wealthy to start everything we discussed there was in year one. I mean, if someone asks you why you're investing in real estate, you can just hold up five fingers and share this episode with them. I mean, this says it all, and we could have surely come up with a higher number than 38% if you had used a 20% down payment instead of 25 then you'd have more leverage, and your total ROI would be in the mid 40s percent, and we really handled the tax portion conservatively. Here another reason your return could be higher, this was with a 7% mortgage rate and a pretty modest 4% cash on cash return as well. Yes, your total ROI is 38% now after year one returns fall over time due to the accumulation of equity in your property, so the denominator for the calculation is larger. You got 38% in year one, perhaps year two is 31% and year three is 24% but you can really see how you're getting ahead of the world in three years like that in other episodes of the show. Here, I do talk about how to limit the return attrition through refinancing and some other techniques, but these are amazing rates of return, compounding evidence that compound leverage blows away compound interest, and again, it's DEBT, TAXES and inflation that are making you wealthy. How you should know by now the formula is really simple. Just buy an income producing property with an everyday 30 year loan, even if real estate values fall, you can get paid for other ways and still have a positive return. Real estate values have always bounced back even after 2008 and see if the property is temporarily suppressed in value, you're going to have little concern with wanting to sell it when tenants are still paying you a monthly income during that time. Very few veteran real estate investors understand the five ways. Most real estate educators don't understand this either, but now you do, and to get this 38% total ROI again at times I simplified throughout I mean, your real world return is likely going to be different. It's going to be higher or lower than 38% probably. But now you know about a vehicle for actually creating durable wealth, and I would like to think that what you learned today is the most complete yet still concise way of understanding how a real estate investor gets paid. You gotta know this. This is the motivation for wanting to do this in the first place.    And hey, if you like what I've shared so far, I'd love to ask you for something, and then I have more important things to tell you and give you your free gift. As I made this course free. Hey, if you would please just share the wealth. Share this episode with a friend. I'm sure you know somebody that would benefit from this. It's really a big aha moment when you finally know how it all goes together. If you subscribe to our newsletter, you were already sent the video version of this course here in just the past couple weeks that's going to help you see how all the numbers go together. And the video course was also released free on YouTube, so if you're listening to this within a few weeks or months of the episodes release, it's still easy to find on our get rich education YouTube channel and four. Finally, in order to make this actionable and actually profit from what you learned, you can just copy me and buy properties from where I buy them at GRE marketplace, that's where there are properties conducive to the five ways you're paid. It probably does take about a minimum, oh, of a 35k to 55k down payment in order to get started. Properties are either new build or renovated. Tenants are in place. There's a property management solution, if you like, and optionally, our free investment coaching service there learns your goals, then helps match you with the right areas and properties and hey, I'm happy to tell you and announce that you can now connect directly with our completely free investment coaching service at GREinvestment coach.com, yes, this is a new URL to make it easier for you to connect with a GRE investment coach. Yeah, I kind of thought that was a good one, huh? How do you connect with a free GRE investment coach? Well, at GREinvestment coach.com I've got a free gift for you. Everything that we discussed in this course today was distilled down into one colorful infographic that we designed and laid out here so you can view it, download it, or even print it out on one eight and a half by 11 inch sheet of paper. Yeah, my team and I went back and forth on this infographic for quite a few rounds to make it just right. I like how it looks, and I've never known anyone else to do this all the ways real estate pays concisely onto one sheet of paper. The link for that infographic gift is in the show notes for this episode at get rich education.com/ 550 since this is episode 550 get it at getrice education.com/ 550 Yeah, the infographic gift is a memento of this course and the time that we spent together today. Think of it as your diploma, and it's a diploma that doesn't come with 12 years of student loan payments either. Yes, it is just a piece of paper, but is it worth more than the piece of paper known as your bachelor's degree or your MBA? I don't know. You can be the judge. So congrats, graduate. Now you know how real estate makes ordinary people wealthy, but learning this today really doesn't benefit you if you don't find the right property in the right market with a property manager. If you so choose a property manager, you've got to take action. You usually want to start small, including with investor advantage, single family rentals for as little as 200k just like our example, some cost even less. We will help you do just that, and do it for free with our coaching book a time and get it on the calendar at GREinvestmentcoach.com that's GREinvestmentcoach.com    I'm get rich education's Keith Weinhold, thanks for being here, but you weren't here for me. You were here for you. I'll see you next week. Don't quit your daydream.   Speaker 3  48:25   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  48:49   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers, it's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters, and I write every word of ours, my self, it's got a dash of humor, and it's to the point, because even the word abbreviation is too long, my letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream. Letter, it wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text GRE to 66866, while it's on your mind, take a moment to do it right now. Text GRE to 66866.   The preceding program was brought to you by your home for wealth, building, get rich, education.com.  

In this coaching episode of the Yoga in the Therapy Room podcast, we explore the ethical and trauma-informed integration of yoga into therapy sessions. Joined by Kelly Henry, the episode explores the ethics of using yoga for emotional regulation and body-based trauma processing in clinical settings. They discuss practical tips and challenges therapists face when incorporating yoga into their practice, focusing on maintaining ethical guidelines and client autonomy. The episode also highlights the importance of informed consent, co-regulation, and the integration of yoga with other therapeutic modalities.MEET Kelly HenryKelly Henry, a Licensed Independent Social Worker-Supervisor (LISW-S) and Licensed Independent Chemical Dependency Counselor, YTT, is the proud owner and operator of Sol Therapy LLC. With a rich background spanning over two decades, Kelly has dedicated her career to delivering comprehensive mental health and substance abuse services. Her expertise encompasses various settings, including community mental health, inpatient and outpatient behavioral health facilities, substance abuse treatment centers, and Day Treatment programs. Kelly's core philosophy revolves around self-empowerment, firmly believing that everyone is entitled to the highest quality of life. Complementing her established practices, Kelly recently obtained certification in yoga, with the aim of integrating mindfulness and meditation techniques into her conventional psychotherapeutic approaches. Through her unwavering commitment, Kelly instills hope and provides invaluable support to all individuals under her care.Find out more at Sol Therapy and connect with Kelly on FacebookPractical Tips for Integrating Yoga into TherapyEthical Considerations and Client AutonomyCombining Yoga with Counseling TheoriesConnect With Me Instagram: @chris_mcdonald58Facebook: Yoga In The Therapy PodcastJoin the private Facebook Group: Bringing Yoga Into the Therapy RoomTikTok: @YogaChris58Rate, review, and subscribe to this podcast on Apple Podcasts, TuneIn, and SpotifyHow To Build Competence and Confidence in Integrating Yoga Into the Therapy RoomHolistic Mindful Check-Ins by Chris McDonald, LCMHCSSelf-Care for the Counselor: A Companion Workbook: An Easy to Use Workbook to Support you on Your Holistic Healing and Counselor Self-Care Journey ... A...

Send us a textIN this episode, we look at the ethical aspects of working as an IFS therapist. It's a very different way of working, so the psychotherapy profession's existing, mono-minded ethical framework inevitably will not cover everything for the IFS professional. It's an important topic for those transitioning to IFS, and we cover issues around the therapeutic relationship, the therapeutic contract and IFS therapist responsibilities... as well as giving our take on the drama Adolescence!Resources referred to:  Relational Ethics in Psychotherapy and Counselling in Private Practice  by Caz Binstead and Nicolas Sarantakis- Professional Transitioning by Emma Redfern, in the BACP's Therapy Today- Emma also spoke with Sally Brown about this subject on a Therapy Today podcast.- Consent in IFS Practice by Ash Chudgar for PARTS&SELF magazine.Emma E Redfern MBACP (Snr Accred) initially trained in humanistic integrative psychotherapy. Emma is a certified IFS psychotherapist as well as approved IFS clinical consultant. She edited Internal Family Systems Therapy: supervision and consultation (2022, Routledge) and authored Transitioning to Internal Family Systems Therapy: A companion for therapists and practitioners (2023, Routledge). Her most recent publication, co-edited with Helen Foot, is Freeing Self: IFS Beyond the Therapy Room (2023) .See www.emmaredfern.co.uk for details of workshops and articles as well as books. You can also follow Emma on Linked In.Gayle Williamson (MIACP) initially trained in humanistic integrative psychotherapy. She took one of the alternative routes to IFS training now available, through IFSCA and the Adler College, Canada. She works fulltime as a pure-IFS psychotherapist and also writes widely on mental health. Her most recent article 'The Myth of Mental Illness' is published in the latest IAHIP professional journal. Gayle runs small-group, online trainings and skills workshops for IFS beginners as well as group supervision. She also edited Emma's book, Transitioning to Internal Family Systems Therapy: A companion for therapists and practitioners. See www.ferneytherapy.ie for further info, resources and Gayle's articles.

(We had an issue with the audio from 08:00-11:00)The 9 Reasons: 00:00 - Intro08:13 - Philosophically16:11 - Scientifically22:32 - Ethically28:35 - Existentially30:59 - Historically40:24 - Culturally43:06 - Religiously 46:42 - Experientially 48:00 - Pragmatically

(We had an issue with the audio from 08:00-11:00)The 9 Reasons: 00:00 - Intro08:13 - Philosophically16:11 - Scientifically22:32 - Ethically28:35 - Existentially30:59 - Historically40:24 - Culturally43:06 - Religiously 46:42 - Experientially 48:00 - Pragmatically

It's been a wild week. One of those weeks where the headlines are loud, the hype is high, and the truth is somewhere buried underneath. If you've been wondering what to make of the claims that GPT-4.5 just “beat humans,” or if you're trying to wrap your head around what Google's massive AGI safety paper actually means, you're in the right place.As usual, I'll break it all down in a way that cuts through the noise, gives you clarity, and helps you think deeper, especially if you're a business leader trying to stay ahead without losing your mind (or your values).With that, let's get to it.GPT-4.5 Passes the Turing Test – The headlines say it “beat humans,” but what does that really mean? I unpack what the Turing Test is, why GPT-4.5 passing it might not mean what you think, and why this moment is more about AI's ability to convince than its ability to think. This isn't about panic; it's about perspective.Google's AGI Safety Framework – Google DeepMind just dropped a 145-page blueprint for AGI safety. That alone should tell you how seriously the big players are taking this. I break down what's in it, what's good, what's missing, and why this moment signals we're officially past the point of treating AGI as hypothetical.Shopify's AI Mandate – When Shopify's CEO says AI will determine hiring, performance reviews, and product decisions, you better pay attention. I explore what this shift means for businesses, why it's more than a bold PR move, and how to make sure your organization doesn't just talk AI but actually does it well.Ethical AI in Relationships and Interviews – A viral story about using ChatGPT to prep for a date raises big questions. Is it creepy? Is it smart? Is it both? I use it as a springboard to talk about how we think about people, relationships, and trust in a world where AI can easily impersonate authenticity. Hint: the issue isn't the tool; it's the intent.I'd love to hear what you think. Drop your thoughts, reactions, or disagreements in the comments.Show Notes:In this Weekly Update, Christopher Lind dives into the latest developments at the intersection of business, technology, and human experience. Key discussions include the recent passing of the Turing test by OpenAI's GPT-4.5 model, its implications, and why we may need a new benchmark for AI intelligence. Christopher also explores Google's detailed technical framework for AGI safety, pointing out its significance and potential impact on future AI development. Additionally, the episode addresses Shopify's strong focus on integrating AI into its operations, examining how this might influence hiring practices and performance reviews. Finally, Christopher discusses the ethical and practical considerations of using AI for personal tasks, such as preparing for dates, and emphasizes the importance of understanding AI's role and limitations.00:00 - Introduction and Purpose of the Update01:27 - The Turing Test and GPT-4.5's Achievement14:29 - Google DeepMind's AGI Safety Framework31:04 - Shopify's Bold AI Strategy43:28 - Ethical Implications of AI in Personal Interactions51:34 - Concluding Thoughts on AI's Future#ArtificialIntelligence #AGI #GPT4 #AIInBusiness #HumanCenteredTech

Chinese retailers like Temu and Shein could be looking to increase their influence in New Zealand. The e-commerce giants will have excess stock after US President Donald Trump put a 145 percent tariff rate on China. Ethically Kate founder Kate Hall talks to Ryan Bridge about why this might not be the best thing for New Zealand. LISTEN ABOVE. See omnystudio.com/listener for privacy information.

Bodyoids: Friend or Foe?   Patreon (Get ad-free episodes, Patreon Discord Access, and more!) https://www.patreon.com/user?u=18482113 PayPal Donation Link https://tinyurl.com/mrxe36ph MERCH STORE!!! https://tinyurl.com/y8zam4o2 Amazon Wish List https://www.amazon.com/hz/wishlist/ls/28CIOGSFRUXAD?ref_=wl_share Help Promote Dead Rabbit! Dual Flyer https://i.imgur.com/OhuoI2v.jpg "As Above" Flyer https://i.imgur.com/yobMtUp.jpg “Alien Flyer” By TVP VT U https://imgur.com/gallery/aPN1Fnw “QR Code Flyer” by Finn https://imgur.com/a/aYYUMAh Links: EP 1409 - The Forest Of Forever (Man Offers To Buy Child To Sell Organs story) https://deadrabbitradio.libsyn.com/ep-1409-the-forest-of-forever Ethically sourced “spare” human bodies could revolutionize medicine https://www.technologyreview.com/2025/03/25/1113611/ethically-sourced-spare-human-bodies-could-revolutionize-medicine/ OVER MY DEAD BODY ‘Spare' human bodies grown in artificial wombs in lab as scientists insist ‘bodyoids' feel no pain & can serve as ‘MEAT' https://www.the-sun.com/tech/13885342/spare-human-bodies-bodyoid-meat-grow-lab/ Synthetic human embryos created in groundbreaking advance https://www.theguardian.com/science/2023/jun/14/synthetic-human-embryos-created-in-groundbreaking-advance Does Chocolate Milk Contain Cow's Blood? https://www.snopes.com/fact-check/cow-blood-chocolate-milk/ „EYES OF THE DEVIL”. A DOCUMENTARY FILM BY PATRYK VEGA. https://www.youtube.com/watch?v=G1y38N4LQiU&list=WL&rco=1 Archive https://archive.org/details/the-eyes-of-the-devil SMALL WORLD Official Trailer (2021) https://www.youtube.com/watch?v=MrZX54Lz_hc   ------------------------------------------------ Logo Art By Ash Black Opening Song: "Atlantis Attacks" Closing Song: "Bella Royale" Music By Simple Rabbitron 3000 created by Eerbud Thanks to Chris K, Founder Of The Golden Rabbit Brigade Dead Rabbit Archivist Some Weirdo On Twitter AKA Jack YouTube Champ: Stewart Meatball Reddit Champ: TheLast747 The Haunted Mic Arm provided by Chyme Chili Discord Mods: Mason Forever Fluffle: Cantillions, Samson, Gregory Gilbertson, Jenny the Cat http://www.DeadRabbit.com Email: DeadRabbitRadio@gmail.com Facebook: www.Facebook.com/DeadRabbitRadio TikTok: https://www.tiktok.com/@deadrabbitradio Dead Rabbit Radio Subreddit: https://www.reddit.com/r/DeadRabbitRadio/ Paranormal News Subreddit: https://www.reddit.com/r/ParanormalNews/ Mailing Address Jason Carpenter PO Box 1363 Hood River, OR 97031 Paranormal, Conspiracy, and True Crime news as it happens! Jason Carpenter breaks the stories they'll be talking about tomorrow, assuming the world doesn't end today. All Contents Of This Podcast Copyright Jason Carpenter 2018 - 2025  

Rising demand for electricity, largely to power the artificial intelligence boom, has stirred a resurgence in nuclear energy. Older plants like Three Mile Island in Pennsylvania are being brought out of retirement, but there’s also investment in smaller-scale reactors with different designs. The fresh interest in nuclear generation has also renewed discussion about how to build these facilities ethically, in other words, with an approach that’s sensitive to the needs of the community and the world at large. Marketplace’s Meghan McCarty Carino spoke with Aditi Verma, assistant professor of nuclear engineering at the University of Michigan, who co-created an undergrad course about ethically designing modern nuclear facilities. Verma discussed her effort to train young engineers to transform the industry. For some engineers, it’s also renewed a discussion about how to build these facilities ethically. Marketplace’s Meghan McCarty Carino spoke with Aditi Verma, professor of nuclear engineering at the University of Michigan who co-created a course for undergraduate students about how to ethically design modern nuclear facilities, about why it’s so important to be teaching this to young, would-be engineers now.

Rising demand for electricity, largely to power the artificial intelligence boom, has stirred a resurgence in nuclear energy. Older plants like Three Mile Island in Pennsylvania are being brought out of retirement, but there’s also investment in smaller-scale reactors with different designs. The fresh interest in nuclear generation has also renewed discussion about how to build these facilities ethically, in other words, with an approach that’s sensitive to the needs of the community and the world at large. Marketplace’s Meghan McCarty Carino spoke with Aditi Verma, assistant professor of nuclear engineering at the University of Michigan, who co-created an undergrad course about ethically designing modern nuclear facilities. Verma discussed her effort to train young engineers to transform the industry. For some engineers, it’s also renewed a discussion about how to build these facilities ethically. Marketplace’s Meghan McCarty Carino spoke with Aditi Verma, professor of nuclear engineering at the University of Michigan who co-created a course for undergraduate students about how to ethically design modern nuclear facilities, about why it’s so important to be teaching this to young, would-be engineers now.

America Out Loud PULSE with Dr. Randall Bock – Christine Grady is out. Once heralded as the nation's chief bioethicist at HHS, she was quietly given the option of retirement or reassignment. Grady's legacy isn't in what she prevented but in what she allowed. While married to Anthony Fauci, she stood silently as he trampled the very ethical standards she helped write...

America Out Loud PULSE with Dr. Randall Bock – Christine Grady is out. Once heralded as the nation's chief bioethicist at HHS, she was quietly given the option of retirement or reassignment. Grady's legacy isn't in what she prevented but in what she allowed. While married to Anthony Fauci, she stood silently as he trampled the very ethical standards she helped write...

-Elon Moving Money Around: https://www.engadget.com/social-media/xai-elon-musks-ai-company-just-purchased-x-elon-musks-social-media-company-221503759.html -Tony's Mystery Review: Bose QuietComfort Ultra Earbuds -Our universe could be in a black hole: https://www.independent.co.uk/space/black-hole-multiverse-nasa-universe-jwst-b2716978.html -Unlimited energy. At the expense of the rotation of Earth: Scientists May Have Discovered How To Extract Power From the Earth's Rotation -Taking body parts from the spares: Ethically Sourced 'Spare' Human Bodies Could Revolutionize Medicine -Stock Photos, Fiverr all ya'll showing your work with water marks on it better watch out. https://tech.slashdot.org/story/25/03/17/1939254/people-are-using-googles-new-ai-model-to-remove-watermarks-from-images -This could be a bad trend. https://www.nzherald.co.nz/travel/lost-phone-forces-air-france-flight-back-to-paris-amid-battery-safety-fears/FUJEOSJQTRC2RMOKMFDFYEEYOM/ -Dark Oxygen https://www.sciencealert.com/scientist-who-discovered-dark-oxygen-ignored-it-for-years-heres-why -New Baseball Tech! https://apnews.com/article/torpedo-bats-yankees-6ac6c797ea935941ed1c0d0e51a7d870

  [00:00:00] - Joe returns from Mexico and shares travel stories involving cheap booze and some sketchy logistics. The crew transitions into the release of JFK files, highlighting the disappointment that no conclusive “smoking gun” was revealed, despite Rep. Paulina Luna claiming NBC has unseen Oswald footage. [00:10:00] - Speculation about the hidden Oswald footage continues. Talk turns to media cover-ups, the CIA's possible involvement, and the suppression of controversial stories like Epstein. Then, the show pivots to bizarre headlines about robot dogs, AI homes, and MIT's proposal to use ethically-sourced human bodies in medical research. [00:20:00] - The gang dives deep into the implications of lab-grown human bodies without minds—used for organ harvesting or testing. They joke about AI-human hybrids, but note the serious ethical red flags. References are made to China's organ industry and the elite's likely monopolization of such tech. [00:30:00] - Continued discussion on "empty vessels" and the MIT article suggesting artificial wombs and AI integration. The idea of using cloned human shells without brains is dissected. Hosts mockingly suggest using these shells as “defective products” with customer complaints. [00:40:00] - A strange true crime case is explored: Peter Bergmann, a man who meticulously erased his identity before dying mysteriously on an Irish beach. The situation mirrors Missing 411 cases—neatly folded clothes, strange behavior, water nearby—sparking theories about his intent and identity. [00:50:00] - Theories swirl around Bergmann's story: Was he terminally ill, a spy, or something else? Mike credits a Discord user for the tip. Then Joe shares a revelation: he's come around on ancient pyramid theories and now believes in advanced prehistory and lost civilizations. [01:00:00] - Comedy breaks enter with a satirical AI ad about the “George Droid,” packed with racial and corporate parody. They analyze how bizarre and well-produced these AI skits are becoming, connecting it to past stories like Hasidic Jews digging tunnels under a building in NY. [01:10:00] - A political segment mocks Biden's speech flubs and contrasts them with more articulate figures. The gang talks Tesla's Democrat-heavy user base, leftist protests, and a satire piece on the Department of Imaginary Concerns by Scott Adams. Governmental overreach and absurdity are recurring themes. [01:20:00] - Signal's possible compromise sparks a chat about surveillance and government setups. They vent over bureaucratic waste, citing fraud and COVID relief abuse. Gavin Newsom's home repair regulations are mocked to highlight nonsensical red tape and overregulation. [01:30:00] - They unpack global population data, suggesting billions may be uncounted. The inaccuracy of rural census data is criticized, and theories emerge about shadow populations and manipulated demographics. They mention satellite and mobile data as better population estimators. [01:40:00] - A wild story out of New Jersey breaks: a police chief accused of disturbing workplace pranks, including spiking coffee with Viagra, setting off firecrackers, exposing himself, and jabbing an officer with a needle. The crew debates the difference between pranks and criminal acts. [01:50:00] - Another quirky tale: A Ford executive kept a 15-year-long spreadsheet of coworkers' malapropisms and linguistic flubs, turning it into a leaderboard of grammar fails. They laugh at some of the worst offenses like “reinvent the ocean” and “broken drum.” It's the nerdiest kind of office drama. [02:00:00] - The show wraps up with musings on civil war hysteria, AI integration into society, and weird AI-assisted ramblings about eastern medicine. They joke about penis scandals, secret cybernetic creations, and speculate on how medicine and society are morphing in dystopian ways. Ethically sourced “spare” human bodies could revolutionize medicine https://www.technologyreview.com/2025/03/25/1113611/ethically-sourced-spare-human-bodies-could-revolutionize-medicine/ Who was Peter Bergmann? https://x.com/ItsWalterEgo/status/1902713524133990549 Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research ▀▄▀▄▀ CONTACT LINKS ▀▄▀▄▀ ► Phone: 614-388-9109 ► Skype: ourbigdumbmouth ► Website: http://obdmpod.com ► Twitch: https://www.twitch.tv/obdmpod ► Full Videos at Odysee: https://odysee.com/@obdm:0 ► Twitter: https://twitter.com/obdmpod ► Instagram: obdmpod ► Email: ourbigdumbmouth at gmail ► RSS: http://ourbigdumbmouth.libsyn.com/rss ► iTunes: https://itunes.apple.com/us/podcast/our-big-dumb-mouth/id261189509?mt=2   - Affiliates Links - Jackery:  https://shrsl.com/3cxhf Barebones:  https://bit.ly/3G38773  - OBDM Merch - https://obdm.creator-spring.com/ Buy Tea! 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Hey guys, it's Debbie Nigro — and today, I want to introduce you to someone whose spirit will stick with you long after you finish reading this. Meet John Chiorando — a brilliant businessman, devoted family man, and philanthropist — and yes, the self-proclaimed “Coconut Commander” behind the fast-growing beverage brand Once Upon a Coconut. But it's not just about the coconuts. It's about "Greatitude." Not a typo. It's the name of John's new book — a powerful message born from unimaginable heartbreak: the loss of his beautiful daughter, Nina, to a rare form of terminal cancer called Leptomeningeal Disease.   A Book Born From Heartache — and Healing John didn't plan to write a book. But when his young son once complained about not getting enough Christmas presents, something clicked. He realized how much of today's culture is focused on what we lack, rather than what we have. So he wrote Greatitude, a message-driven book that gently shifts our lens toward appreciation, especially for life's simplest joys — like a cup of coffee, a walk on the beach, or time with someone we love. Then Nina got sick. And suddenly, what started as a lesson in thankfulness became a tribute to her courage — and a platform for purpose.   As John shared on the show: “My colleague told me, ‘You didn't write this book. Your daughter did.'” And you know what? She did.   100% of Book Proceeds Go to Charity Every single dollar from the purchase of Greatitude goes to one of two causes close to John's heart: Nina Strong Foundation for rare cancer research Down Syndrome Foundation (another personal connection in his family)   And as a thank-you? You get a free case of Once Upon a Coconut when you buy the book. (Love that part!) Grab it at Greatitude.org   Once Upon a Coconut: Coconut Water With a Cause You've probably seen the bright, playful cans of Once Upon a Coconut on shelves — I spotted it in a DeCicco's here in New York and literally stopped in my tracks. It's more than delicious (hello, coconut + chocolate?!), it's also doing good: Plant-based, non-GMO, full of electrolytes Ethically sourced from Vietnam And here's the biggie: 10% of all profits go to charity.   As John says: “Giving is our best ingredient.” Even Shark Tank's Daymond John and NFL stars like Rob Gronkowski and Ronnie Stanley are investors. But it's the mission that's the real magnet.   Fastest-Growing Coconut Water Brand in America From Whole Foods to Walmart to Target — Once Upon a Coconut is popping up everywhere. And it's not just good business — it's good energy.   As John says: “We call it nature's Gatorade.” Cheers to that!   Final Sips of Inspiration Talking with John was a reminder that life is fragile, beautiful, and worthy of deep appreciation — even in the face of heartbreak... in spite of it all. If you want to feel better, do better, and drink something better… Pick up a copy of Greatitude. Sip some coconut water with purpose. And maybe, just maybe, start seeing the world through a lens of Greatitude too. With heart, Debbie BUY THE BOOK + GET YOUR FREE CASE OF COCONUT WATER! GO TO GREATITUDE.org Enjoy meeting John Choriando and enjoy the podcast of our live conversation on The Debbie Nigro Show      

From Womb to Tomb: Applying the 6th Commandment Ethicallyoriginally recorded on 3.02.25

Today's Poll Question at Smerconish.com: Ethically speaking, when should journalist Jeffrey Goldberg have revealed his presence in the Houthi group chat on Signal? Immediately, Once the attack commenced, or Nev Listen here to Michael's take, then vote at Smerconish.com, and please leave a rating and review of this podcast! The Daily Poll Question is a thought-provoking query each day at Smerconish.com on a political, social, or other human interest issue. Entirely non-scientific, it always begins a great conversation. Michael talks about it in this podcast each weekday.

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Taxes can take a big bite out of your wholesaling profits—but with the right strategies, you can keep more of what you earn. In this episode, Todd Toback shares ethical and legal ways to reduce your tax burden while growing your business.If you're wholesaling real estate, these tax-saving tips can help you keep more money in your pocket. Don't leave money on the table — tune in now!---------Show notes:(0:48) Beginning of today's episode(1:17) Reduce your taxes ethically and legally(2:20) Hold on 2-3 properties a year(3:56) What is a 10-31 exchange?(5:07) Depreciation(6:16) The master's rule (8:12) Schedule meetings when you're on vacation (9:04) Watch your expenses(9:30) Increase your deal size----------Resources:To speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

Andy Bobrow is a seasoned TV comedy writer with over two decades of experience on hit network shows like MALCOLM IN THE MIDDLE, COMMUNITY, and BROOKLYN NINE-NINE. He also served as Executive Producer and Co-Showrunner for Fox's LAST MAN ON EARTH and currently writes for Fox's KRAPOPOLIS. Guy Goldstein bridges screenwriting and technology, renowned for creating WriterDuet, the pioneering real-time collaborative screenwriting software. His innovations include HartChart, WriterSolo, and ReadThrough, enhancing the writing process for millions. Focused on leveraging AI to empower creators, his company develops tools like ScreenplayIQ for script analysis, PitchTrailer for audio-visual storytelling, and ScreenplayProof for screenplay-specific proofreading. To learn more check: screenplayiq.com/ and screenplayproof.com/ In this interview, we talk about the evolution of storytelling in TV and film, the impact of AI on the industry, the role of AI in pitching and development, AI and intellectual property concerns, the industry perceptions of AI and AI's future in screenwriting and entertainment. As a special note, this was part of our new LIVE interview series in partnership with Buzztown, a community for serious screenwriters, where students also participated in this interview. You can learn more or join the waitlist here: docs.google.com/forms/d/e/1FAIpQL…JgwO09Vg/viewform Want more? Steal my first book, INK BY THE BARREL - SECRETS FROM PROLIFIC WRITERS right now for free. Simply head over to www.brockswinson.com to get your free digital download and audiobook. If you find value in the book, please share it with a friend as we're giving away 100,000 copies this year. It's based on over 400 interviews here at Creative Principles. Enjoy! If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts? It only takes about 60 seconds and it really helps convince some of the hard-to-get guests to sit down and have a chat (simply scroll to the bottom of your iTunes Podcast app and click “Write Review"). Enjoy the show!

Andy Bobrow is a seasoned TV comedy writer with over two decades of experience on hit network shows like MALCOLM IN THE MIDDLE, COMMUNITY, and BROOKLYN NINE-NINE. He also served as Executive Producer and Co-Showrunner for Fox's LAST MAN ON EARTH and currently writes for Fox's KRAPOPOLIS. Guy Goldstein bridges screenwriting and technology, renowned for creating WriterDuet, the pioneering real-time collaborative screenwriting software. His innovations include HartChart, WriterSolo, and ReadThrough, enhancing the writing process for millions. Focused on leveraging AI to empower creators, his company develops tools like ScreenplayIQ for script analysis, PitchTrailer for audio-visual storytelling, and ScreenplayProof for screenplay-specific proofreading. To learn more check: screenplayiq.com/ and screenplayproof.com/ In this interview, we talk about the evolution of storytelling in TV and film, the impact of AI on the industry, the role of AI in pitching and development, AI and intellectual property concerns, the industry perceptions of AI and AI's future in screenwriting and entertainment. As a special note, this was part of our new LIVE interview series in partnership with Buzztown, a community for serious screenwriters, where students also participated in this interview. You can learn more or join the waitlist here: docs.google.com/forms/d/e/1FAIpQL…JgwO09Vg/viewform Want more? Steal my first book, INK BY THE BARREL - SECRETS FROM PROLIFIC WRITERS right now for free. Simply head over to www.brockswinson.com to get your free digital download and audiobook. If you find value in the book, please share it with a friend as we're giving away 100,000 copies this year. It's based on over 400 interviews here at Creative Principles. Enjoy! If you enjoy the podcast, would you please consider leaving a short review on Apple Podcasts? It only takes about 60 seconds and it really helps convince some of the hard-to-get guests to sit down and have a chat (simply scroll to the bottom of your iTunes Podcast app and click “Write Review"). Enjoy the show!

In today's episode, we dive deep into Neuro-Linguistic Programming (NLP) and the art of persuasive communication in sales. Learn how embedded commands, pacing, modal operators, and tie-downs can transform your conversations and increase your conversions. Dan Rochon breaks down these key techniques, giving real-world real estate scripts and examples that will help you guide clients toward making decisions confidently. If you're looking to master the psychology of influence and make your sales process smoother and more effective, this is an episode you don't want to miss!What you'll learn on this episodeWhat embedded commands are and how to use them in sales conversationsThe power of pacing: how to state undeniable truths to build rapportHow modal operators shape a client's sense of urgency and decision-makingWhy tie-downs get prospects to say “yes” before you even closeHow to put it all together for seamless, persuasive real estate conversationsPractical scripts for buyers and sellers to increase your listing appointmentsResources mentioned in this episodeCPI Community & Training – Learn the CPI Method and master salesNo Broke Months Podcast – Daily sales strategies for real estate agents To find out more about Dan Rochon and the CPI Community, you can check these links:Website: No Broke MonthsPodcast: No Broke Months for Salespeople PodcastInstagram: @donrochonxFacebook: Dan RochonLinkedIn: Dan Rochon

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Paul Zelizer is the host of the Awarepreneurs Podcast, the world's longest running social entrepreneur podcast, and has been a Business Coach who specializes in working with social entrepreneurs and climate tech founders for the past 18 years. This episode is sponsored by the coaching company of the host, Paul Zelizer. Consider a Strategy Session if you can use support growing your impact business. Resources mentioned in this episode include: Bloomberg Law article Hiring Hub site Rose Velasquez interview Paul's Strategy Sessions Pitch an Awarepreneurs episode