Podcasts about free live

Send us Fan MailAn article outlines what's wrong with traditional cybersecurity awareness training against today's fraudsters but misses the mark on the resolution to evolving fraudster tactics.  Let's fill-in the gaps. Keep listening.Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    Citybiz Article: The Deepfake CEO Call: Why AI Voice Fraud Is the Business Threat Executives Keep UnderestimatingYouTube:  Authentication | Vendor Master File Tip of the WeekVendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

Live Free | Live Free Week 1 June 7, 2026 Message by Jody Livingston [Next Gen Minister]   Scripture References & Sermon Points Philippians 1:1-11   • Remember God's Work • Rest in God's Work • Respond to God's Work  

Live Free | Live Free Week 1 June 7, 2026 Message by Jordan Raybon [Riverdale Associate Campus Minister]   Scripture References & Sermon Points Philippians 1:1-11   • Free People Are God's People • Free People Partner Together • Free People Produce Fruit  

Live Free | Live Free Week 1 June 7, 2026 Message by RC Ford [Stewarts Creek Campus Pastor]   Scripture References & Sermon Points Philippians 1:1-11   • Free People Are God's People • Free People Partner Together • Free People Produce Fruit  

Send us Fan MailThe August 1st deadline for filing 1099 corrections is closer than you think—and missing it could cost your company in IRS penalties. In this episode, I'm breaking down which errors demand immediate correction, which ones may not, and the two options to reduce or avoid unnecessary fines.  So, to know exactly what to fix, what to ignore, and how to protect your organization before the deadline hits…..Keep listening.  Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    Vendor Master File Tip of the Week:  IRS 2027 Due Dates for TY 2026 Information Returns For the 1099-NEC | 1099-MISC | 1042-SIRS Page > Information Return Penalties Get Help Identifying Corrections: Vendor Master File Clean-Up Vendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

Send us Fan MailAccording to the Association of Certified Fraud Examiners (ACFE) after studying 2,402 cases that led to $3.4 Billion in losses across in 143 countries and territories, they have both the profile of an internal fraudster and 8 behavioral red flags to look for.  Not to mention the #1 weakness that allowed the fraud and the #1way employers found out about the fraud.Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    YouTube Video:  All The Queens Horses Association of Certified Fraud Examiners (ACFE):  Occupational Fraud 2026:  A Report To The Nations Training Session:  Mitigating Segregation of Duties Conflicts in the P2P Process Vendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

SM ENTERTAINMENT JAPANからデビューしたGPPのゲリラライブが渋谷であったので見てきました

On today's edition of the Metal Breakdown Daily, host Scott Penfold delivers the weekend forecast for the heavy music world, featuring a "digital immortal," a controversial documentary snub, and a free ticket to NOLA sludge history. The Prince of Darkness Goes Digital: Sharon and Jack Osbourne have officially unveiled "Digital Ozzy." Through a partnership with Hyperreal and Proto Hologram, an A.I.-driven avatar powered by Ozzy's own "Digital DNA" is coming to life. We break down how this conversational A.I. will allow fans to talk to the Ozzman himself in life-sized "Proto Luma" units hitting the U.S. and U.K. this summer. Is it the future of legacy, or just "scary" accurate? The Di'Anno Documentary Drama: As the world prepares for the theatrical release of Di'Anno: Iron Maiden's Lost Singer on June 9th, director Wes Orshoski reveals a "massive bummer." Find out why the current Iron Maiden camp refused to participate in the film and how the director managed to honor Paul's legacy despite the lack of official cooperation. Crowbar Records You: Louisiana riff-lord Kirk Windstein has announced a massive hometown event. Crowbar is playing a free show at Southport Music Hall on July 17th, and they're filming the entire thing for a new live album and video release. We've got the details on how you can get in for free and be part of sludge metal history. Today's Breakdown: Ozzy Osbourne: Inside the A.I. "DNA" process and the 86-inch holoportation units. Paul Di'Anno: Why Rod Smallwood and the band said "no" to the new documentary. Crowbar: How to reserve your spot for the free live recording in Jefferson, LA. Metal History: Reflecting on the "Beast" and the foundation of the NWOBHM. STAY LOUD: Catch the 24/7 heavy stream and more exclusive content at LoadedRadio.com or via the official Loaded Radio App.

Send us Fan MailFinally – some great news from the IRS of all places.  Yes there is a new IRS Draft W-9 form and it's good for the vendor team.   Keep listening.  Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    IRS Draft Version of the W-9: https://www.irs.gov/pub/irs-dft/fw9--dft.pdfIRS Published Version of the W-9: https://www.irs.gov/pub/irs-pdf/fw9.pdfIRS Draft Version Site:  https://www.irs.gov/draft-tax-formsVendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

Send us Fan MailWhat if you had not only had second set of eyes to review a vendor email to make sure there are no red flags in when there is a request to change banking, but also to check for this new fraudster trend to pass your confirmation call?  Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    Vendor Master File Tip of the Week:  Email Burnout Can Cause Payment Fraud - 3 Warning Signs & FixesAgentic AI Training Session:  Build a Copilot Agent For Outlook to Spot Vendor Bank Change Red Flags Vendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

Send us Fan MailApproval workflows for vendor adds and changes can help to reduce payment fraud and avoidable errors in vendor data.  For why to do it and how to do it if your system does not support approval workflows……Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    IOFM White Paper:  IOFM's 2026 AP Fraud Playbook Vendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

Join me for this free training! The Full-Schedule Marketing Audit for Wellness Practitioners:Date/Time: Tuesday, May 5th at 12:00 pm Eastern TimeRegister to Save Your Seat: https://michellegrasek.com/auditReplay will be available for everyone who registers. I'd love to see you there.Support the showCurious about Acupuncture Marketing School, the online course for marketing beginners? Join me inside! Click here to learn more.

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You're Invited! I host a Free LIVE monthly Woo Woo Wednesday Zoom call on the second Wednesday of each month with listeners just like you, where we take these conversations off the podcast and into real life.  It's completely free join here: https://freshlifemarketing.myflodesk.com/monthlymeetups In this episode, I'm sharing a couple of personal moments that shifted how I see my own journey. From losing one of my chickens to something as simple as watching hockey with my family. Both experiences brought up the same realization: sometimes knowing too much actually takes you out of the experience. I talk about how easy it is to rely on tools like Human Design, Gene Keys, astrology, and numerology to try to understand everything about ourselves and our path, and how, at some point, that can turn into overthinking and disconnect us from what we already feel. This episode is really about finding that balance between using those tools for awareness, but not letting them replace your own intuition. Because life is a lot more fun when you let it unfold in real time instead of trying to predict every next move. Similar episodes to this topic:  299: Why The Random Interest Isn't So Random Join the Woo Woo Live Meetup: Second Wednesday of every month • 11am PST Join here: https://freshlifemarketing.myflodesk.com/monthlymeetups This is where the podcast becomes a room. We gather live on Zoom to talk about what's resonating, what's stretching you, and what you're noticing in your own life. Come listen, share if you want to, and connect with others who resonate with this work. Think of it as Woo Woo Wednesday… but face-to-face.

This episode is about understanding that when things start coming up after a shift, it's not a test. It's not the universe working against you. It's things being revealed so you can see them clearly, decide what's truly aligned, and let the rest go. I share a perspective on big life shifts and what happens when you finally let go of control. I talk about how I realized there were things I had been trying to force from a place of pressure, identity, and ego — and how releasing that control created space for what was meant for me.  If you're in a season where things feel uncertain, where old patterns or desires are resurfacing, this is your reminder to trust it. To stay open. To follow what your body is telling you, even when you can't fully see where it's leading. Because the path doesn't show up all at once — it reveals itself as you move.  Similar episodes to this topic:  304: Are You in a Constant State of Self-Improvement? You're Invited! I host a Free LIVE monthly Woo Woo Wednesday Zoom call on the second Wednesday of each month with listeners just like you, where we take these conversations off the podcast and into real life. It's completely free join here: https://freshlifemarketing.myflodesk.com/monthlymeetups

Send us Fan MailHow good are your email addresses in your vendor master file?  Are they still valid?  Are they fraudulent? Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    Free Training: 3 Step Vendor Setup & Maintenance Process Workshop > Authentication Free Training:  8 Steps to Clean Your Vendor Master File Free Download:  Vendor Validation Reference List with Resource Links Vendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

This fraud prevention strategy appeared in a 1982 film with Robert De Niro and still works today to avoid deepfakes that lead to B2B payment fraud. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    National Cybersecurity Alliance:  Stay Safe Online - Safe Word & Deepfakes https://www.staysafeonline.org/campaigns/safewordFree Nacha Compliance Webinar:  Last Minute Compliance:  3 Ways To Meet Nacha's ACH Fraud Monitoring Rule Before the Deadline! https://attendee.gotowebinar.com/register/7321756135093063258Confirmation Call / But Better:  Vendor Callback Confirmation ToolkitTM https://training.debrarrichardson.com/course/callback-confirmation-toolkitCustomized Vendor Validations Session: https://debrarrichardson.com/vendor-validation-sessionFree Download:  Vendor Validation Reference List with Resource Links https://debrarrichardson.com/vendor-validation-downloadVendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

Phase 1 of the Nacha Fraud Monitoring Rule for ACH initiators is here.  Part of the rule requires that you have a risk-based approach, but what criteria can you use to determine risk for your vendors?  In this episode we'll talk about three approaches to classify your vendors based on risk.  Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    Nacha:  RISK MANAGEMENT TOPICS – (Fraud Monitoring Phase 1) Free Nacha Compliance Webinar:  Last Minute Compliance:  3 Ways To Meet Nacha's ACH Fraud Monitoring Rule Before the Deadline! Confirmation Call / But Better:  Vendor Callback Confirmation ToolkitTM Customized Vendor Validations Session: https://debrarrichardson.com/vendor-validation-sessionFree Download:  Vendor Validation Reference List with Resource Links Vendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

This week Kevin & Patrick welcome, Brian McCarthy. They discuss the war in the Middle East, what that means for markets, and why he would be on the other side of the renewed China optimism. Register Here To Join Patrick Ceresna’s FREE Live hedging webinar Monday 16th March at 4pm ET: https://www.bigpicturetrading.com/  Sign up for a FREE 14-day trial at Big Picture Trading:  https://secure.bigpicturetrading.com/membership/signup/jpX05srf Subscribe To Patrick's YouTube Chanell: https://www.youtube.com/@Patrick_Ceresna Visit our merch store!!! https://www.themarkethuddlemerch.com/ To receive our emails with the charts and links each week, please register at: https://markethuddle.com/

You may already be sending pre-notes when vendors submit banking for an ACH payment method, or maybe you're thinking about it as a way to comply with the upcoming Nacha rule.  Here's why pre-notes don't help to prevent fraud and are not recommended for Nacha compliance.Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:     Nacha:  RISK MANAGEMENT TOPICS – (Fraud Monitoring Phase 1) https://www.nacha.org/rules/risk-management-topics-fraud-monitoring-phase-1Free Nacha Compliance Webinar:  Last Minute Compliance:  3 Ways To Meet Nacha's ACH Fraud Monitoring Rule Before the Deadline! https://attendee.gotowebinar.com/register/7321756135093063258Customized Vendor Validations Session: https://debrarrichardson.com/vendor-validation-sessionFree Download:  Vendor Validation Reference List with Resource Links https://debrarrichardson.com/vendor-validation-downloadVendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

This episode is a little different — and I want to be upfront about that. Every week on Git Gelt we talk about ideas, concepts, and the way successful people think about money and life. Today I'm doing something more specific. Every year before Pesach the expenses pile up — the food, the cleaning, the guests — and with it comes that quiet financial pressure that most people just push through. But what if your money could actually be working for you right now — before Pesach even arrives? In this episode I share the story of how I moved my family from New York to Israel, had a large sum of money sitting in my account doing nothing, and how I used the options market — conservatively and simply — to make sure that money grew while I figured out my next move. And then I tell you exactly what I'm doing about it. Starting this Sunday I'm running a completely free two-week live challenge called the Pesach Income Challenge — where I go live and show you over my shoulder exactly how I generate real, consistent income from the options market. No theory. No complicated finance. Just real results in real time. To grab your free spot — text 104 to 845-572-1212 right now and we'll send you the registration link instantly. This one is worth sharing with someone you know.

In today's market, AI valuations are expanding faster than fundamentals can justify. Companies with minimal free cash flow are being priced as if dominance is already secured.  Capital continues to circulate between venture portfolios, strategic partners, and ecosystem incumbents, reinforcing growth narratives that assume liquidity remains abundant. But markets don't reward narratives forever. When growth slows or capital tightens, the question shifts from projected upside to structural durability. Does the business generate real cash? Does it control proprietary data that compounds value? Is it positioned to be acquired or forced to sell? This is where discipline separates operators from spectators. Daniel Nikic has spent years operating inside early-stage capital markets, studying transaction patterns, portfolio structures, and acquisition behavior. From that vantage point, valuation is less about headlines and more about capital flows, strategic adjacency, and who holds liquidity when cycles turn. In this episode, we look beneath the surface of today's AI enthusiasm to examine what actually drives valuation, how smart founders reverse-engineer an exit, and why companies entering a slowdown with balance sheet strength don't just survive, they consolidate.   About the Guest  Daniel Nikic is an investment research professional and entrepreneur dedicated to delivering tailored insights and strategic solutions. With over two decades of experience, Daniel has built a career dedicated to empowering investors and businesses with actionable insights. Born and raised in Canada, He earned a Bachelor's Degree in Business Administration from Brock University, where his passion for market dynamics and financial analysis began to take shape. ​As the founder of Cohres, a boutique investment research firm, Daniel specializes in helping high-net-worth individuals, venture capitalists, and startups navigate complex markets and emerging industries such as AI, SaaS, and data. His career journey includes impactful roles at HB Reavis, where he managed €500M real estate projects, Zursh, where he led AI-focused initiatives, and Azafran Capital Partners, where he developed investment strategies and managed data teams. ​Through his dedication to innovation, Daniel combines a global perspective with a hands-on approach, helping clients uncover growth opportunities and achieve their goals. His leadership has positioned Cohres as a trusted name in investment research and strategic planning. To learn more, visit https://www.danielnikic.com/.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.  Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download). Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.      

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​​As people make more money, they tend to get sharper about almost everything. They think long term, manage risk better, hire experts, invest wisely and optimize their businesses and portfolios. But when it comes to health, a lot of people are still running the same basic playbook everyone else is. Standard labs, five-minute appointments, and just waiting until something breaks. When you want to level up in every area of your life, the conversation shouldn't be, "Am I sick right now?" It should be, "Where am I headed, and how early can I catch it?" The people who are strong, active, and dangerous well into their later decades aren't winging it. They're tracking smarter markers, finding issues years before they become diagnoses.  They understand a principle that lines up perfectly with money: The fundamentals compound. Biohacks may be exciting, peptides are trendy, and GLP-1s are everywhere. But if your cardiovascular system is weak, your metabolic health is sliding, and you're losing muscle, then you're not really upgrading your future. You're selling it off. In this episode, I'm joined by Ted Ryce, a performance coach who has worked with high-level entrepreneurs and starts like Richard Branson and Robert Downey Jnr.  He talks about how serious operators should think about their bodies, what advanced clients test for that most physicians never bring up, and why mastering the basics still wins in wealth and health. Things You'll Learn In This Episode  Looking fit isn't the same as being healthy You can lift, diet, and still be metabolically heading toward disaster, so what numbers actually predict trouble years before a diagnosis? The uncomfortable truth about weight-loss drugs If appetite goes down but muscle disappears with it, are you really improving your future, or borrowing against it? The health metric we shouldn't ignore What does your VO₂ max say about how long and how well you'll live, and why are so few people training it intentionally? Biohacks can't outrun broken fundamentals Before you experiment with peptides, hormones, and supplements, how do you actually master sleep, movement, and recovery?   Guest Bio Ted Ryce is a health expert and coach to entrepreneurs, executives, and high-performing professionals who want to reclaim their health, lose weight, upgrade their productivity and live an extraordinary life. Ted's been in the industry for 25+ years, coaching A-listers like Richard Branson, Robert Downey Jr., and hundreds of CEOs and entrepreneurs. He is also the creator of The Legendary Life Podcast, where he delivers, with humor, the best health and fitness information in the world, backed by cutting-edge science and common sense wisdom. To learn more, visit https://www.legendarylifepodcast.com/. If you want to work with Ted, visit https://www.legendarylifepodcast.com/here/   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.  Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download). Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.  

The Truth About What It Takes (And What No One Tells You) Everyone talks about the four-day workweek like it's some magical finish line. Work less, live more, finally breathe. But nobody talks about what it actually takes to make it work when you're running a real business with real responsibilities and a team that's counting on you. I've been doing this for years now, and I'm going to tell you exactly what it looks like. Some Fridays I work and some Fridays my team does too. There are seasons where everything spills over and four days just aren't enough. To accommodate more off time, we had to rebuild how this entire company operates. How we run meetings, how we communicate, how we protect our time, all of it. And that's the part nobody tells you. I went to my team and asked them to be honest about what's actually working about a four-day workweek and what's genuinely hard. Their answers surprised me. One person said she feels like she did something wrong when she has to work a Friday, even when that's not true. Another said she's a hundred times more productive now because she has no choice but to be. This is the real version. The systems, the trade-offs, and the moments when having that extra day back is worth it all. If you've been wondering whether this could ever work for you, this episode will give you the full picture. RESOURCES MENTIONED IN THIS EPISODE: You've built something real. Revenue, audience, offers that work. But the results still don't match what you know you're capable of. The Revenue Consistency Formula is a FREE Live training for six-figure female founders who are done with inconsistent results and ready to understand what's out of sync so their messaging, offers, and lead generation can finally work together. Click here to register now. Previous Episode: How We Launched Our 4-Day Workweek Experiment Shorter by Alex Soojung-Kim Pang Asana Slack Google Calendar HubSpot HERE ARE THE 3 KEY TAKEAWAYS FROM THIS EPISODE: 1️⃣ You'll Be More Productive, Not Less — When you only have four days, you stop tolerating the things that waste your time. One of my team members said she's a hundred times more productive now because she works fewer hours. The intensity goes up, but so does the focus. No more endless meetings, no more context switching, no more "I'll get to it later." When Friday is on the line, you protect your time fiercely. 2️⃣ It Only Works If You Have Systems — You can't just remove a day and expect everything to fit. We protect Mondays and Thursdays as no-meeting days. Deadlines land on Thursdays. We changed our expectations around communication. Without these systems, a four-day workweek falls apart. With them, it runs smoother than five days ever did. 3️⃣ You'll Still Work Some Fridays And That's Okay — Secret's out. A four-day workweek doesn't mean you never work on Friday. During busy seasons, my team and I both do. But there's a difference between a Friday you're forced to work and a Friday you choose to work with no meetings, no Slack, no interruptions.  MORE FROM ME Follow me on Instagram @amyporterfield SUBSCRIBE & REVIEW If you loved this episode, please take a moment to subscribe and leave a review on Apple Podcasts! Your support helps us reach more entrepreneurs who need these insights.

On Sunday 8 March, we're coming together for a FREE live webinar event— and we'd love you to join us. Our last live event had over 4,000 women and we can't wait to do it again. To register visit: https://theagingproject.com/free-webinar-event/ Got a question? Email us at hello@theagingproject.com.au

When you're struggling in business or just starting out, the last thing you think you need is a coach. You think you can't afford it, you're not ready, or you should wait until you have better results first. But every time someone feels like that, that's actually when they need a coach the most. Most people see coaching as something you do later. Once things are going well, the money is there, and you've "made it" enough to deserve help. But that's not really how it works. Coaching isn't there to reward you for being successful. It's there to stop you from wasting years trying to get there on your own. Because the real cost isn't paying for a coach. The real cost is everything you lose while you're trying to figure it out by yourself.  In fact, coaching isn't even a cost. When you have the right coach, it starts paying off quickly, and it becomes one of the best investments you'll ever make in yourself. How do you know when it's the right time to get help instead of waiting it out? How did my guest build a top-performing career as a blind sales professional in one of the toughest industries there is? What can we learn from his success story? In this episode, entrepreneur, speaker, coach, and bestselling author of If I Can Do It, You Can Do It, Patrick Engasser, joins me to talk about mindset, opportunity, and why getting the right guidance early changes everything.  You'll learn why the people who grow fastest aren't the smartest, they're just the ones who stop trying to do it alone.   Things You'll Learn In This Episode  "I can't afford a coach" is usually backwards Is it really about money, or about how much time, stress, and lost momentum it's costing you to figure everything out the slow way? The hidden mindset shift that unlocks performance What changes when you stop seeing your weaknesses as liabilities and start using them as your most powerful differentiators? How people actually "create" luck Are some people actually luckier, or are they just better trained to notice and act on the chances everyone else ignores? Success becomes addictive once you start helping others Why does coaching, leadership, and mentorship often feel more rewarding than personal wins, and how does that change the way you build your business?   Guest Bio Patrick Engasser is an entrepreneur, speaker, coach, and bestselling author of If I Can Do It, You Can Do It. He started his career in the insurance industry as a top sales representative for a Fortune 500 company. He was awarded top-account closer in his third year and promoted to district manager. Patrick went on to recruit, train, and lead a seven-figure sales team while coaching several agents to successful careers in the outside sales world. He has been the recipient of the company's Top Award for Management Excellence three times for his outstanding leadership and ability to coach others to achieve their goals. Patrick has been helping aspiring entrepreneurs build their own businesses for over 15 years. To learn more and to buy his book, visit patrickengasser.com. To book a free strategy session, go to talkwithpatrick.com.      About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Resources Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.  Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download). Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

So you sent recipient statements to your vendors for Tax Year 2025 – and some came back.  Here is how to handle them to reduce penalties from the IRS. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    Customized Vendor Validations Session: https://debrarrichardson.com/vendor-validation-sessionFree Download:  Vendor Validation Reference List with Resource Links https://debrarrichardson.com/vendor-validation-downloadVendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

The Pre-Launch Strategy That Changes Everything What if your audience was already excited to buy before you ever opened the cart? That's the dream, right? No scrambling in the final hours. No sending more emails than you planned. No pushing harder than feels good and still wondering why it's not converting. I'm sitting down with Brenna McGowan, launch strategist and creator of Anticipation Marketing, to talk about the phase of launching most people skip over entirely. And honestly, it's the phase that makes or breaks your results. Here's what I've learned from my own launches and from watching thousands of my students do theirs: most people think they're doing the pre-launch part right. They mention what's coming in the P.S. of an email. They post about it on social and put up a waitlist. They feel like they're doing everything they're supposed to be doing. But then the cart opens and it still feels harder than it should. They're white-knuckling their way through launch week, and by the end of it, they're exhausted and wondering what went wrong. Is it the offer? Is it the audience? Is it just harder to sell right now? Usually, it's none of those things. It's the pre-launch. And that's what we're fixing today. RESOURCES MENTIONED IN THIS EPISODE: You've built something real. Revenue, audience, offers that work. But the results still don't match what you know you're capable of. The Revenue Consistency Formula is a FREE Live training for six-figure female founders who are done with inconsistent results and ready to understand what's out of sync so their messaging, offers, and lead generation can finally work together. Click here to register now. Learn More About Brenna McGowan Find Brenna McGowan on Instagram The Pre-Launch Plan Program HERE ARE THE 3 KEY TAKEAWAYS FROM THIS EPISODE: 1️⃣ A Waitlist Is Not a Pre-Launch — Posting "join the waitlist" isn't warming your audience up in the way you think it is. A real pre-launch builds belief in the problem, belief in the solution, and belief that you are the person to help them get there. When that's in place, you don't have to convince anyone when the cart opens. They're already in. 2️⃣ Sell the Process, Not the Program — During pre-launch, you shouldn't be talking about your course or your offer. Your job is to get your audience to believe in the method behind it. Brenna calls this belief-shifting, and it's the difference between an audience that's ready to buy and one that stays on the fence. 3️⃣ Anticipation Beats Urgency — Emphasizing the countdown used to work, but not anymore. People have been burned by courses and programs that didn't deliver, and they've lost trust in others and in themselves. What works now is building genuine excitement and curiosity so your audience is leaning in and asking when they can buy instead of feeling pushed into a decision. MORE FROM ME Follow me on Instagram @amyporterfield SUBSCRIBE & REVIEW If you loved this episode, please take a moment to subscribe and leave a review on Apple Podcasts! Your support helps us reach more entrepreneurs who need these insights.

In the 939th episode of the PokerNews Podcast, Chad Holloway, Mike Holtz, and Ben Ludlow are back for a special episode to discuss the release of the 2026 World Series of Poker (WSOP) schedule! Running from May 26 through July 15, the 2026 WSOP consists of 100 gold bracelet events and, for the first time ever, will be immediately followed by a WSOP Circuit stop. Find out what's new on the schedule, what is missing, and what changes are in store, including a new main stage set that'll be constructed in the Paris Ballroom. Jeff Platt even joined the show for a bit to talk about that and how to improve the live player experience. Oh, and it seems there may be some big changes in store for the final table of the WSOP Main Event. If you're planning to play the 2026 WSOP, this is an episode you don't want to miss. A new PokerNews Podcast drops every Thursday at 8a PT / 11a ET / 4p UK time. Remember to subscribe to our YouTube channel so you do not miss an episode! Time Stamps *Time    Topic* 00:00 | Welcome to the show 00:38 | 2026 WSOP schedule is out! 02:20 | Announcement of the announcement 04:30 | Free daily live stream 08:50 | Mini Mystery Millions kicks things off 10:43 | Jeff Platt talks about storytelling 14:08 | New events on the schedule 18:22 | No more Hall of Fame Poker Bounty 22:04 | All things WSOP Main Event 27:35 | New main stage over in Paris Ballroom 29:10 | Player experience & live viewership with Jeff Platt 32:22 | How are you going to plan your summer? 33:15 | WSOP Play of the Year 34:00 | Qualify online – Daniel Negreanu

Most people think financial freedom comes from earning more, saving harder, or finding the perfect investment. But the real trap isn't income…it's the way we're taught to store and move money. We're told to separate everything into neat little buckets: checking, savings, mortgage, credit cards, investments. And somehow, even when we're "doing well," the system still feels tight, slow, and exhausting. The traditional system is wildly inefficient by design. A 3–4% mortgage isn't really 3–4% at all. It's closer to 12–15% in simple interest once you account for amortization. Savings accounts paying 1–3% sit right next to debt costing 8–25%, and no one ever teaches us to connect those two dots. We're working hard, being disciplined, and still leaking money through invisible cracks. Instead of playing by those rules, Joseph Kovacevic built a completely different operating system: one pot, one line, one flow. All income goes into a first lien HELOC, and all expenses come out of it.  No idle cash, no artificial separation between "good money" and "bad money." How did he go from using money like everyone else to building an entirely different financial system? Why do people struggle so much to understand and actually implement this system? In this episode, entrepreneur, money mentor, and first lien HELOC specialist Joseph Kovacevic breaks down how he's been running this system for over 15 years - from quitting the railroad, to scaling real estate, to using HELOCs and insurance policies as an integrated financial engine.   Things You'll Learn In This Episode  Your mortgage interest isn't what you think it is A "low" 3–5% mortgage is actually closer to 12–15% in simple interest over 30 years, so what are you really paying for homeownership? Why savings accounts make you poorer, not safer If you're earning 1–3% in savings while paying 8–25% on debt, are you actually saving, or quietly burning money? The one-pot system that replaces budgeting entirely What happens when all income, expenses, investing, and saving run through a single HELOC instead of 10 separate accounts? How to become the bank instead of borrowing from one From infinite banking to lending your own capital at 12%+, how do you turn cash flow into a self-funding wealth machine?   Guest Bio Joseph Kovacevic is an entrepreneur, Money Mentor, and first lien HELOC specialist.  At 23 years old, he hired out on the railroad for a career that lasted almost 20 years. He has been investing in real estate since 2000. Between managing rental properties and flipping houses, he was able to escape the corporate world and become an entrepreneur. In 2018, he met Chris Naugle at a Home show in Buffalo, NY, and was later introduced to Brent Kesler, who introduced him to IBC. After years of using the Infinite Banking Concept, he now wants to share IBC with everyone. Being a part of The Money School and The Money Multiplier team, he now helps others break away from conformity and pursue their dreams. He is passionate about educating others about the implementation of the Infinite Banking Concept to solve people's money problems. To learn more, visit https://themoneymultiplier.com/joseph-kovacevic.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

If you paid foreign vendors reportable income in TY 2025 and want to file the 1042-S forms using one of the two IRS free e-Filing tools – this episode will break down three differences between the FIRE and IRIS that might make your decision easier. Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    IRS IRIS Page: https://www.irs.gov/filing/e-file-information-returns-with-iris IRS FIRE Page:  https://www.irs.gov/e-file-providers/filing-information-returns-electronically-fire IRS Modernized eFile: https://www.irs.gov/e-file-providers/modernized-e-file-program-information Customized Vendor Validations Session: https://debrarrichardson.com/vendor-validation-sessionFree Download:  Vendor Validation Reference List with Resource Links https://debrarrichardson.com/vendor-validation-downloadVendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

The Profit Lesson I Learned Way Too Late I had a $100K month and couldn't pay myself. And the worst part? I didn't even know until it was too late. I was out celebrating what I thought was a massive win, telling myself I'd finally made it. And the whole time, I was actually in the red. Moving backward. I didn't find out until weeks later when I finally sat down and looked at the real numbers. How did this happen? I was so focused on revenue that I never stopped to ask what I was actually keeping. If you've ever looked at your business and thought, “I'm making money, so where is it all going?”, most of us have been there. So in this episode, I'm breaking down the actual difference between gross revenue, net revenue, and profit, why chasing revenue almost cost me everything, and five strategies to actually keep more of the money you're working so hard to make.  RESOURCES MENTIONED IN THIS EPISODE: You've built something real. Revenue, audience, offers that work. But the results still don't match what you know you're capable of. The Revenue Consistency Formula is a FREE Live training for six-figure female founders who are done with inconsistent results and ready to understand what's out of sync so their messaging, offers, and lead generation can finally work together. Click here to register now. Marie Forleo and B-School ChatGPT Claude Help Scout HERE ARE THE 3 KEY TAKEAWAYS FROM THIS EPISODE: 1️⃣ Revenue Is Not the Scoreboard You Think It Is – Chasing revenue while ignoring profit is how you end up exhausted, overworked, and wondering where all the money went. It's also how you say yes to offers that drain you and scale a business that can't actually support your life. The entrepreneurs who build real wealth are the ones focused more on what stays than what comes in. 2️⃣ More Offers Usually Means Less Profit – I know it feels like more revenue streams equals more security. But every offer requires its own marketing, systems, and support. That complexity eats into your margins. Fewer offers promoted well will almost always outperform a bloated offer suite. 3️⃣ You Can't Fix What You Don't Track – Quarterly profit check-ins are non-negotiable. Pull your numbers, audit your subscriptions, and stop avoiding a hard look at your money. You don't need to be an accountant. A simple spreadsheet and 60 minutes is how you stop leaks. MORE FROM ME Follow me on Instagram @amyporterfield SUBSCRIBE & REVIEW If you loved this episode, please take a moment to subscribe and leave a review on Apple Podcasts! Your support helps us reach more entrepreneurs who need these insights.

Congrats!  You made the deadline for sending 1099-NEC and 1099-MISC recipient statements to your vendors and the related IRS tax filing deadline for the 1099-NEC.  Then your phone starts ringing with vendors, and now you have corrections to what you reported.  Or your organization has multiple entities and you realized income was reported for vendors using the wrong organization.  Or that file in IRIS or FIRE has an error status…. Now what? Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    IRS Publications: IRIS:  Publication 5717 (Rev. 1-2026) https://www.irs.gov/pub/irs-pdf/p5717.pdfFIRE: Publication 1220 (Rev. 9-2025) https://www.irs.gov/pub/irs-pdf/p1220.pdfFIRE (1042-S):  Publication 1187 (Rev. 9-2025) https://www.irs.gov/pub/irs-pdf/p1187.pdfIRS Page:  Information Return Penalty Chart https://www.irs.gov/payments/information-return-penalties Customized Vendor Validations Session: https://debrarrichardson.com/vendor-validation-sessionFree Download:  Vendor Validation Reference List with Resource Links https://debrarrichardson.com/vendor-validation-downloadVendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

Most investors never question the structure they're investing in. They accept tight assumptions, back-end-heavy returns, and illiquidity as the price of access, assuming the payout will arrive before anything goes wrong. But when timing slips, liquidity tightens, or markets shift, those assumptions become traps. The deal didn't fail because the idea was bad. It failed because it never paid the investor enough to wait. Irwin Boris has spent decades operating on the other side of that equation. After more than $5 billion in deal flow, he learned to treat any model that needs to be "screwed down" to make the return work as a warning sign, not an opportunity. His approach prioritizes downside discipline, visible cash flow, and structures that don't depend on exits arriving on schedule. Instead of betting on appreciation or future liquidity events, he focuses on assets that pay along the way and remain viable even when conditions change. In this episode, we talk about understanding where risk actually lives, why backend-dependent strategies quietly corner investors, and how disciplined capital positions itself in assets that don't require perfect timing to survive.   About the Guest  Irwin Boris is a speaker and SVP of Acquisitions and Investor Relations at Heritage Capital Group. In the past, he has been the Head of Real Estate for several Family Offices (foreign & US), making investment decisions.  He has more than 30 years of experience in real estate finance, investment, and asset management. He has participated as a direct lender, principal, investment banker, and advisor in more than $5 billion in real estate transactions. To learn more, visit https://heritagegroupcapital.com/ or send an email to irwin@heritagecapitalgroup.net.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

What do you do if it's getting down to the wire to be in compliance with the IRS deadlines for sending vendors their 1099-NEC or 1099-MISC or filing both with the IRS, and you know you are going to be late.Keep listening. Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    IRS Extension Form:  Form 8809, Application for Extension of Time to File Information Returns  https://www.irs.gov/forms-pubs/about-form-8809IRS Extension Form:  Form 15397 Application For Extension of Time to Furnish Recipient Statements  https://www.irs.gov/forms-pubs/extension-of-time-to-furnish-statements-to-recipientsIRS Page:  Information Return Penalty Charthttps://www.irs.gov/payments/information-return-penalties Customized Vendor Validations Session: https://debrarrichardson.com/vendor-validation-sessionFree Download:  Vendor Validation Reference List with Resource Links https://debrarrichardson.com/vendor-validation-downloadVendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

Most investors never question the hierarchy they're operating in. They borrow money, take on operational risk, manage tenants, absorb volatility, and send a large portion of every payment upstream to the lender.  If something breaks, if a tenant stops paying, if the market turns—the obligation to the bank doesn't change.  This is the Mr. Burns model: the banks sit at the top of the building collecting checks, while everyone else does the work below. The slow flip model flips that hierarchy entirely. Instead of rehabbing properties or betting on appreciation, the investor becomes the lender. Short-term private money is used to acquire low-dollar properties, then paid off quickly through long-term owner financing.  For the first few years, the deal feels tight. Cash flow is modest. But once the private capital is gone, the asset is owned free and clear—and the payments keep coming for decades. No leverage. No refinancing risk. No dependency on market timing. What makes this approach powerful isn't just the math, though the math is staggering. It's the positioning. Ultra-affordable housing behaves differently from traditional rentals. Demand doesn't disappear in downturns. People can always move down in price—but there's a floor they can't go below. And by structuring the deal as the bank, the investor removes themselves from the operational chaos that destroys so many otherwise "good" deals. In this episode, we sit down with Scott, a real estate investor who's been in the game since the 1990s, got crushed in the 2008 collapse, and rebuilt with a model explicitly designed to survive the next downturn.  We talk about why slow flips aren't about patience for patience's sake, how amortization quietly creates generational cash flow, and why the investors who win long term are usually the ones willing to give up speed early in exchange for control later. About Our Guest  Scott Jelinek is an entrepreneur, coach, full-time real estate investor, and author of The Art of the Slow Flip. He has been investing in real estate since 1994 and has completed well over six hundred deals, continuing to be a leader in the industry. He has owned and operated a wide variety of businesses, from tanning salons to hot dog shops--all while buying, selling, and renting properties. Today, Scott uses his knowledge and experience to coach other real estate investors. Over 15 years, Scott built a rental portfolio of more than 100 properties. On paper, it looked like success. In reality, it was constant tenant issues, mounting repairs, and growing leverage. By 2008, he was $1.3 million in debt and ultimately lost more than 55 properties to foreclosure. That experience forced a hard reset and led him to abandon traditional rentals in favor of what he later named the Slow Flip model: selling low-cost homes on terms and holding the paper. Since then, Scott has completed hundreds of slow flips, building long-term cash flow without tenants, repairs, or property management, and now focuses on helping other investors escape the operational grind of real estate. To learn more or buy the book, go to https://www.slowflip.com/.    About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

Don't forget to still do your tax reporting research at the State level, even if that State participates in the Combined Federal/State Filing (CF/SF) Program.  For two reasons you still need to check and a process to do it….Keep listening.Check out my website www.debrarrichardson.com if you need help implementing authentication techniques, internal controls, and best practices to reduce the potential for fraudulent payments, compliance fines or bad vendor data. Check out the Vendor Process Training Center for 173+ hours of weekly live and on-demand training for the Vendor team. Links mentioned in the podcast + other helpful resources:    IRS Publication 1220: Specifications for Electronic Filing of Forms 1097, 1098, 1099, 3921, 3922, 5498,IRS Publication 5717: Information Returns Intake System (IRIS) Taxpayer Portal User Guide Vendor Process Training Center > Resource Library: State Sites for Business/Tax ResearchCustomized Vendor Validations Session: https://debrarrichardson.com/vendor-validation-sessionFree Download:  Vendor Validation Reference List with Resource Links https://debrarrichardson.com/vendor-validation-downloadVendor Process Training Center - https://training.debrarrichardson.comCustomized Fraud Training:  https://training.debrarrichardson.com/customized-fraud-training Free Live and On-Demand Webinars: https://training.debrarrichardson.com/webinarsVendor Master File Clean-Up:  https://www.debrarrichardson.com/cleanupYouTube Channel:  https://www.youtube.com/channel/UCqeoffeQu3pSXMV8fUIGNiw More Podcasts/Blogs/Webinars www.debrarrichardson.comMore ideas?  Email me at debra@debrarrichardson.com Music Credit:  www.purple-planet.com

If you've ever thought, “I've tried everything… why is food still so hard for me?” this episode is for you.title: "I Tried Every Diet for 30 Years. This Is What Actually Healed My Relationship With Food"In this deeply honest conversation, I sit down with Mandie, a former long-term dieter, perfectionist, mom, and high-achiever who spent over 30 years managing her weight, controlling food, and trying to “do it right”… yet still felt trapped by food obsession, binge cycles, and constant mental noise.Mandie shares what it was like to:Start dieting at 10 years old with the best intentionsSpend decades bouncing between control and loss of controlDo “well” in every area of life except foodFeel terrified to let go of rules because control felt safer than trustRealize the problem was never food or willpower, but nervous system dysregulation and self-trustWe talk about the uncomfortable middle of healing. The part no one prepares you for. Feeling emotions instead of eating them. Resting without guilt. Gaining a little weight before finding your body's natural balance. Learning to trust yourself again after years of outsourcing that trust to plans, points, and rules.This episode is not about quick fixes or perfect eating. It's about what actually creates peace. It's about why healing feels hard before it feels freeing.And it's about why you're not broken, lazy, or failing, even if it feels that way right now.If you're exhausted from white-knuckling food, tired of starting over, and wondering if real freedom is still possible for you, this conversation will remind you that it is.And sometimes, the next step isn't another plan.It's support, safety, and learning how to trust yourself again.Register here for my FREE Live workshop happening on January 20th : The Proven 4-Step Framework To Stop Feeling Obsessed With Food For Good Without Dieting Or Willpower

A Ouija board session comes back a year later in a way that feels anything but random, another story involves and encounter with something tall, pale, and deeply unsettling. That's just the start of the spooky stories on this week's edition of Jim Harold's Campfire! FREE LIBRARY EVENT In the Cleveland area? Come join us on Tuesday, January 20th at 7:00 pm for a FREE LIVE event with Jim at the Mayfield Branch of the Cuyahoga County Public Library! Register here: ⁠https://jimharold.com/events/⁠ JOIN JIM'S SPOOKY STUDIO PLUS CLUBYou can get access to Jim's entire back catalog of Campfire and a TON of exclusive content with the Spooky Studio Plus Club. Go to ⁠jimharold.com/plus⁠ and signup to support the show and get access to our MASSIVE library of content!YOUTUBE CHANNELBe sure to subscribe to Jim's YouTube channel at: ⁠https://youtube.com/jimharold⁠ MERCHGo to ⁠https://jimharold.com/merch⁠ to get your Jim Harold T's, sweatshirts, mugs, hats and more! VIRTUAL CAMPFIRE GROUPJoin our free community at ⁠https://virtualcampfiregroup.com⁠BOOKSGet all SIX of Jim's Campfire books here: https://jimharold.com/campfirebooks/ Learn more about your ad choices. Visit megaphone.fm/adchoices

One of the biggest mistakes in personal finance is how quickly conversations turn into either/or debates. Invest or insure, trust the market, or play defense. Something is a scam, or it's the answer. The problem is, real financial progress rarely comes from choosing sides. It comes from using the right tools together instead of pretending one tool should do everything. This shows up clearly in the way people talk about retirement plans. People have strong opinions about 401(k)s, especially the idea that the match is a scam. But that argument falls apart once you actually slow down and look at how it works. That idea carries into the way people think about insurance. Insurance isn't an investment, and treating it like one creates bad expectations on both sides. But dismissing it because it's not an investment misses what it's actually designed to do. The more interesting question isn't "what's the return," but "what role does this play in the system?" Being dogmatic about any tool, whether it's a 401(k), insurance, or the market, usually leads to worse outcomes. In this episode, the author of The And Asset and founder of BetterWealth, Caleb Guilliams, returns. We dig into the idea of giving your dollars more than one job, how money can be safe and accessible at the same time, and boring on the surface, but incredibly useful when integrated correctly.  Things You'll Learn In This Episode  Why financial labels block better decisions We don't reject strategies because they fail; we reject them because of what they're called. How does labeling something "insurance," "investment," or "scam" stop you from seeing its true value? Why value matters more than rates of return Cost only feels expensive when the value isn't clear. What happens when you stop asking "what does this pay?" and start asking "how many jobs does my money do at once?" Changing your mind is a sign of financial maturity Rigid beliefs feel safe, but they often lead to bad advice. Why is the willingness to evolve a marker of credibility, not weakness? How AI will quietly replace most financial advice models What will happen when software can analyze, design, and optimize financial decisions faster and more accurately than most humans ever could?   About the Guest Caleb Guilliams is the author of "The and Asset", a podcaster, investor, speaker, and the founder and CEO of Better Wealth Solutions, a company committed to showing people how to be more efficient and control their money today while maximizing their future wealth potential. BetterWealth is a company that is fascinated with the idea of ordinary people being able to achieve extraordinary wealth. Caleb and his team have discovered proven strategies & principles that can empower anyone to create & protect real wealth. For more information, go to https://betterwealth.com/. Go to https://thewholelifesummit.com/2026  to learn more about the Summit and buy the book at https://betterwealth.com/bookstore.   About Your Host From pro-snowboarder to money mogul, Chris Naugle has dedicated his life to being America's #1 Money Mentor. With a core belief that success is built not by the resources you have, but by how resourceful you can be. Chris has built and owned 19 companies, with his businesses being featured in Forbes, ABC, House Hunters, and his very own HGTV pilot in 2018. He is the founder of The Money School™ and Money Mentor for The Money Multiplier. His success also includes managing tens of millions of dollars in assets in the financial services and advisory industry and in real estate transactions. As an innovator and visionary in wealth-building and real estate, he empowers entrepreneurs, business owners, and real estate investors with the knowledge of how money works. Chris is also a nationally recognized speaker, author, and podcast host. He has spoken to and taught over ten thousand Americans, delivering the financial knowledge that fuels lasting freedom.   Get Your FREE Copy Of 'The Private Money Guide'  and 'Mapping Out The Millionaire Mystery'.    Keep up with us every week on our FREE Live webinars for more conversations like this, and as a BONUS, get our newest mini-ebook instantly upon signing up! https://moneyschoolrei.com/wednesday-webinar (digital download).   Dive into money, mindset, and motivation videos on my YouTube Channel, and be sure to subscribe so you can be notified of our weekly LIVE streams. Find out about our next weekend workshop, and see what others are saying: https://www.moneyschooltraining.com/registration.    

Jim and Dar discuss a major twist in the ongoing Conjuring House saga which raises serious legal questions and leaves the future of the infamous property uncertain. They also dive into fresh debates surrounding interstellar mysteries, ancient discoveries that challenge mainstream history, and whether long-held legends like Loch Ness may finally have an explanation...or not. From eerie CCTV footage in a centuries-old haunted pub to newly released details tied to one of the most famous UFO incidents in history, the strange just keeps coming. Plus, they explore the growing role of AI in spiritual practices like tarot, ask what secrets Mars may still be hiding, and reflect on the passing of a man whose ideas forever changed how we view ancient civilizations. All this and more on this week's The Paranormal Report! Thank you for listening/watching and please share the show with everyone! -- Get all your spooky Jim Harold Merch here: https://jimharoldsmausoleum.etsy.com -- In the Cleveland area? Come join us on Tuesday, January 20th at 7:00 pm for a FREE LIVE event with Jim! Register here: https://jimharold.com/events/ LINKS https://www.wpri.com/target-12/sale-of-the-conjuring-house-to-jason-hawes-is-off-for-now/#/questions/5294859 https://www.usatoday.com/story/news/nation/2026/01/12/3iatlas-comet-insterstellar-alien-spaceship/88098131007/ https://www.livenowfox.com/news/3i-atlas-comet-is-probably-not-alien-spaceship-scientists-say https://www.unexplained-mysteries.com/news/393738/canoes-discovered-in-wisconin-lake-are-older-than-the-great-pyramid https://thedebrief.org/a-potential-biosignature-is-awaiting-return-now-congress-abandons-retrieval-of-martian-rocks-that-may-hold-evidence-of-extraterrestrial-life/ https://gizmodo.com/want-to-book-a-hotel-on-the-moon-this-startup-is-now-taking-250k-deposits-2000709632 https://www.mirror.co.uk/news/weird-news/message-ufo-left-uk-forest-36447943 https://www.mirror.co.uk/news/weird-news/cctv-catches-moment-ghost-pushed-36536609 https://www.instagram.com/reels/DTaqQGMjd_p/ https://www.ladbible.com/news/uk-news/loch-ness-monster-expert-adrian-shine-mythical-creature-isnt-real-740552-20260112 https://honeysucklemag.com/can-ai-replace-human-intuition-tarot/ https://apple.news/AFC43wF45RI-gpqgnKwSntQ https://tarotoo.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

⭐️ Plan your year in sync with astrology at https://www.mindfulnewyear.com⭐️ Join my FREE Live workshop to Become Your Own Astrologer at https://www.quietmindastrology.com/workshop2026There are 26 major shifts happening in 2026, and in this episode I break them down into a simple framework you can actually use. I share the STARS system I use for planning the year ahead. Symbolism, Transits, Axial eclipses, Retrogrades, and Seasons. Together, these five lenses reveal where new beginnings are asking for your attention, where patience is required, and where powerful turning points are likely to unfold.2026 is a Sun-ruled year. A year of initiation, authority, and stepping into what truly gives you energy. I talk through the biggest planetary movements of the year, the eclipse windows you will want to respect, how to work with retrogrades without fear, and why August and September may mark the most consequential turning point of the year. This episode is meant to help you feel oriented, grounded, and empowered as you plan your life, work, and inner practices for the year ahead.⸻QUOTES• “2026 is a year of stepping into your authority and your power.”• “If it doesn't bring you energy, this is the year to let it go.”• “Eclipse seasons are the portals of the year.”• “Identity crisis or identity opportunity. That's the choice of 2026.”• “Once you see the bigger picture, it's very hard to go back.”⸻TIMESTAMPS00:00 The STARS framework for 202601:00 The symbolism of 2026 and the Sun-ruled year03:55 Major planetary transits shaping the year06:50 Rahu–Ketu shift and identity themes10:32 Eclipse seasons and the four portal dates14:02 August–September awakenings and deep healing19:23 Retrogrades and how to plan around them30:38 Seasonal turning points and energy cycles33:55 Final overview and how to work with 2026⸻KEYWORDSVedic astrology 2026, Jyotish forecast, eclipse season, planetary transits, retrogrades, Sun-ruled year, spiritual timing, astrology planning⸻FREE RESOURCES⭐️ Free Birth Chart: http://www.quietmindastrology.com/freebirthchart⭐️ Free Horoscopes: https://www.quietmindastrology.com/freehoroscopes⭐️ Instagram: http://www.instagram.com/quietmindastrology⭐️ YouTube: http://www.quietmindastrology.com/youtube⸻WORK WITH ME⭐️ Book a Reading: http://www.quietmindastrology.com/reading⭐️ Decode Your Chart: https://www.quietmindastrology.com/101⭐️ Mentorship: http://www.quietmindastrology.com/mentorship⸻QUIETMIND YOGA⭐️ Yoga Teacher Training Podcast: https://www.anchor.fm/yogateachertraining⭐️ Quietmind Yoga Membership: https://www.quietmind.yoga/membership⸻NEXT STEPS⭐️ Plan your year in sync with astrology at mindfulnewyear.com⭐️ Join my FREE Live workshop to Become Your Own Astrologer at https://www.quietmindastrology.com/workshop

Do you feel like you've been doing everything you can do change your experience with food, yet you're still not where you want to be?Maybe you've read the books. Listened to the podcasts. Done the journaling, the mindset work, the healing work.And yet… you're still overeating or obsessing over food constantly.In this episode, we're unpacking why that's happening, and no, it's not because you're broken, lazy, or doing it wrong.You'll hear the core insight that completely changed everything for me and finally explained why I stayed stuck for so long, even when I was “doing all the right things.” It's a perspective shift that brings so much clarity, relief, and honestly… hope.We talk about:Why effort alone doesn't always lead to lasting change with foodHow your default way of thinking, feeling, and showing up around food may be recreating the same patternsThe difference between changing what you do versus changing who you're beingWhy focusing on the past can quietly keep you stuck in itA simple but powerful reflection exercise to help you see what's really going on beneath the surfaceThis conversation is not about judgment or fixing yourself. It's about awareness, compassion, and finally understanding the real reason change hasn't stuck yet. If you're tired of starting over and want food to feel easier, calmer, and less consuming, this episode will help things click in a whole new way.Register here for my FREE Live workshop happening on January 20th : The Proven 4-Step Framework To Stop Feeling Obsessed With Food For Good Without Dieting Or Willpower

Obsessing over food is exhausting. It feels like an ongoing mental battle that takes over your mental space and affects all areas of your life. This is the time of the year when diet culture is everywhere. It's easy to fall into the tap of the “New Year, New Me” mindset and get pulled back into the dieting cycle that doesn't serve you.But what if this was the heal you finally found freedom from food obsession and found a new way of eating? One that doesn't involve giving up the foods you love, feeling out of control or guilty?I never thought I'd be a "normal" eater, but after years of experimenting and failing, I found that there are 4 ingredients you need to cultivate a healthy and sustainable relationship with food. In this episode, you're going to learn what those ingredients and how it will help you find peace with food and stop the cycle of restriction and guilt.Register here for my FREE Live workshop happening on January 20th : The Proven 4-Step Framework To Stop Feeling Obsessed With Food For Good Without Dieting Or Willpower

Sign up for the FREE Live training - Elevate Your Therapy Practice with Niche Packages → https://mccancemethod.com/elevate-your-therapy-practice/ In this episode, I walk you through how to create your 2026 roadmap to grow your practice with intention. I share reflections from 2025 and help you plan out your ideal year, personally and professionally, so you can step into the CEO role with clarity and purpose.Make sure to bring your paper and pen because this episode is full of actionable tips!Here are some key points in this episode:[02:02] Setting a powerful intention for 2026 to lead your life and business with purpose[05:23] Learning to enjoy your progress before chasing the next big thing[09:42] Using your 2025 data and metrics to build a stronger, more strategic plan for the year ahead[13:01] Planning your year based on personal and professional ebbs and flows, including vacations and spa days![14:46] How to delegate, automate, and eliminate tasks so you can operate in your zone of genius[16:09] Building white space into your calendar to reduce overwhelm and allow space for CEO-level decisionsLinks From The Episode:Episode 91: What Metrics Should You Track? https://mccancemethod.com/episode-91-what-metrics-should-you-track/ Here is the Janeapp link for TWO free months on us! https://janesoftware.partnerlinks.io/ytg4vn Use Coupon: MCCANCE2MOWhisper Flow: https://ref.wisprflow.ai/nicole-mc-cance Follow me on Instagram, @nicole.mccanncemethod. If this episode provided you with value and inspiration, please leave a review and DM to let me know. Click here: https://www.instagram.com/nicole.mccancemethod

Rejection has a way of sneaking in quietly. A comment, a moment, a season that leaves you wondering if you really belong. In this message, we talk honestly about how rejection shapes us, why it cuts so deep, and how it can leave us living like we're on our own. More importantly, we're invited into healing and reminded that we were never meant to live disconnected or unloved. If you've ever felt overlooked, pushed aside, or tired of striving, this one's for you.

Today's Stay Free is coming at you LIVE from Turning Point USA's AmericaFest, the annual gathering founded by Charlie Kirk that has become a key meeting point for political, cultural, and media figures shaping the American right. While the event provides the backdrop, today's show focuses on conversation rather than festival coverage, and I'm joined by Danica Patrick for a wide-ranging discussion from the heart of it all. ENTER THE REBORN GIVEAWAY — I've partnered with Reborn for a massive giveaway where you can win a Jeep Wrangler Rubicon 392 plus $10,000 cash. I actually use several of their products myself — the Methylene Blue Tincture, Methylene Blue Capsules, Bovine Colostrum, and Creatine Powder — and all of those count as bonus-entry items if you grab them through the giveaway page. Enter here: https://tryreborn.com/pages/current-giveaway