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HINDI TOTOONG SUMASAMBA SA REBULTO ANG KATOLIKO! 7 BIBLE VERSES na HINDI NILA MASAGOT — Punto por Punto gamit ang Banal na Kasulatan! Nakakagulat na Katotohanan!

3 REASONS Bakit Simbahang Katoliko ang Totoong Tinatag ni Kristo | Punto por Punto debateng Katoliko vs INC, Born Again & JW gamit ang Biblia — Catholic Faith Defender

Nagdadasal ba talaga ang Katoliko sa mga patay? 7 Bible Verses na NAGPAPATUNAY ng intercession ng mga santo | Simbahang Katoliko | PananampalatayaSinasabi nila na idol worshippers ang mga Katoliko na nagdadasal tayo sa mga patay, na walang basis sa Banal na Kasulatan ang ating pananampalataya. Pero paano kung ang BIBLIYA MISMO ang nagpapaliwanag kung BAKIT TAMA ang Simbahang Katoliko? Sa video na ito, bibigyan ko kayo ng 7 Bible Verses na nagpapatunay na ang intercession ng mga santo ay hindi lang pinahihintulutan ng Diyos — ito ay AKTIBONG NANGYAYARI sa langit para sa atin. Ito ang Catholic apologetics na kailangan ng bawat Pilipinong Katoliko, malinaw, direkta, at ayon sa Catechism of the Catholic Church at sa Tradisyon ng ating Pananampalataya. Punto por punto ay sinagot ng Banal na Kasulatan. ✅ Pananampalataya Katoliko | Catholic Doctrine | Catholic Tradition ✅ Simbahang Katoliko | Banal na Kasulatan | Catechism of the Catholic Church ✅ Catholic Faith Defender | Spiritual Warfare ✅ Bible Verses Tagalog | Catholic Apologetics | Patron Saint HINDI NILA MASAGOT ITO.

May PURGATORY ba sa Biblia? Ito ang tanong na HINDI MASASAGOT ng INC at ng mga nagdududa sa pananampalatayang Katoliko. Sa video na ito, bibigyan natin ng 3 MALALIM na dahilan kung BAKIT totoo ang Purgatoryo — at lahat ito, NAKASULAT sa Kasulatan. Kung miyembro ka ng Iglesia ni Cristo, Jehovah's Witness, Protestant, o naghahanap ka ng katotohanan tungkol sa buhay pagkatapos ng kamatayan — panoorin mo ito hanggang dulo.

In a world of noise and distraction, there is a trend in “Bringing Simplicity Back To Investing.” RICK FERRI and I talk about why it’s important for investments and why it’s important for individuals. You’re going to leave here understanding a new framework for looking at your investment portfolio and hopefully bring some peace of mind as you go forward. https://youtu.be/8EFnt_UTjEA Rick Ferri has been a good friend to the podcast. He shares his insights on simple investing, emphasizing the importance of clarity, discipline, and understanding the core principles of investing. He discusses the pitfalls of complexity, the value of index funds, and how to maintain a disciplined approach amidst market noise. https://open.spotify.com/episode/743dxOLLgZjUzKszZo4Owy?si=57mqK1ZmQ0a7LPdcwVoQ-g Keywords investing, index funds, simplicity, portfolio management, financial planning, discipline, asset allocation, tax efficiency, global growth, investment philosophy Key topics The philosophy of simple investingThe stages of investor learning: darkness, enlightenment, and simplicityThe importance of cash flow and intrinsic value in investmentsAsset allocation based on liabilities and time horizonTax-efficient investing strategies for taxable and retirement accountsRisks of alternative investments and private equity in retirement plansDiscipline and automation in maintaining investment strategies Chapters of “Bringing Simplicity Back to Investing” 00:00 The Philosophy of Simple Investing07:03 Stages of Investment Understanding11:19 Financial Planning and Purpose17:57 Implementing a Simple Portfolio23:01 Discipline in Investing30:46 Navigating Complexity in Wealth Management Resources Rick Ferri’s Website – https://rickferri.comBogleheads.org – https://bogleheads.orgIndex Fund Book by Rick Ferri – https://www.amazon.com/s?k=Rick+Ferri&ref=nb_sb_noss_2 Website – https://rickferri.comTwitter – https://twitter.com/RickFerri Skeptic’s Guide to Investing Outline: “Bringing Simplicity Back To Investing” Introduction: Three parts to simple investing: Philosophy, Strategy, Discipline Part 1: Philosophy: Overview: Embrace Simplicity – the Education of an Index Investor – 4 stages 1: Born in Darkness (who you ask, chasing returns, naive research) 2: Finding Enlightenment (measure, compare, enlightened) 3: Complexity Traps (slice'n dice, factors, the fallacy of perfection) 4: Embrace Simplicity (global equity, specific fixed-income as needed) Part 2: Portfolio Strategy Overview: Making the Philosophy Work for You 5: Setting Goals (family – culture, career – taxes, risk tolerance) 6: Managing Risk (three ways to allocate assets: required return, risk avoidance, cash-flow) 7: Tax Management (three account types, asset class tax, tax avoidance) 8: Investment Selection (ETF vs fund, balanced funds & TDFs) Part 3: Discipline: Overview: Implement, automate, stay the course 9: Implement fully (consolidate, tax issues, lump sum vs DCA) 10: Maintain regulatory (automate new, rollovers, TLH) 11: Adjust as goals change (accumulation vs distribution, tax situations, legacy) 12: Stay the Course (recommit occasionally, continue ed., conferences) Transcript of “Bringing Simplicity Back to Investing” Frazer Rice (00:00.962)Welcome aboard, Rick. Rick Ferri (00:02.3)Well, thank you for having me. Frazer Rice (00:04.258)Well, thank you. First of all, want to thank you for a kindness you showed me way back in time and having me on the Boggleheads podcast. It was probably worth at least 25 % of my book sales and it was a lot of fun to do and never forgot it. So it took a while, but here we are back on my podcast. And what I want to do is go through a little bit about really the three parts to simple investing, which I think is something, especially now with the proliferation of alternatives, a lot of noise with crypto. That sometimes we kind of lose sort of the forest for the trees as far as what’s the right things to be thinking about in terms of an overall investing philosophy sort of embrace. And so maybe let’s start with that. How do you think about the parts to a good investing thesis and what is your overall worldview on that? Rick Ferri (00:55.804)So I’ve been in the investment advisory industry now for 40 years. And what I have learned is that the simpler you can make investing and the simpler you can make the portfolio, the better for you, the better for your family, the better for those who will inherit your portfolio. Don’t make it complicated. Complexity is just job security for those people who are selling you things and trying to manage your money. And in the end, you don’t benefit from that. They do in the form of fees. And if you just had a simple portfolio of a few good index funds and maybe some individual securities, you’ll be much better off and your family will be better off in the long term. And that’s the philosophy of simple investing. Frazer Rice (01:50.947)Mm-hmm. Rick Ferri (01:53.208)The second part is a strategy. How do you go about doing this, particularly if you’ve had a complex portfolio? And the third thing is discipline, which is how do you stick with simplicity as an investment philosophy? Frazer Rice (02:06.318)Sure. and without the second two, it’s great to have high-minded thoughts and so on, but if you can’t do it, it’s all for naught, and then if you can’t stick with it, then the best laid plans just kind of go asunder here. So let’s go back to the philosophy for a second here, and as you think about, it’s almost like the life cycle of discovery and learning about how these things work. How do you think about that from an ARC perspective? Rick Ferri (02:12.561)Ha ha. Rick Ferri (02:36.05)So generally when you’re new to investing, you’re going to ask other people for advice. I where you get that from, might be a friend or family member, maybe a professional advisor, might be coworkers, maybe you’ll just get on the internet and start searching. I don’t know, but 99.9 % of the time you’re gonna run into advice that is not very good. And the advice will be, you should put your money here, you should put your money there. Use these 10 different funds. It’s just a lot of confusion, quite frankly. I call this stage darkness because you don’t, you you’re just investing in the dark. You don’t know. And a lot of the advice is going to be very short based upon short-term performance. So recency biased people are going to be recommending, but you know, growth stocks because the Magnificent Seven has done well in the past. Or buy crypto because crypto went up a lot in the past and so therefore you should buy it now. And so most of the advice you’ll get in darkness is going to be recent based upon recent performance and rather than looking at it over say how should you be investing over 10, 20, 30 years and that will end up being quite different. So darkness is where we all begin. And most people stay in darkness. They never get out of darkness because they don’t put the brain cells to work to look at how am I doing? I mean, how has that done for me? What seems to be happening in my portfolio? Really? Do I really know what’s going on? And then the ones who are very fortunate start asking questions about, what if I just Frazer Rice (04:06.125)You Rick Ferri (04:31.334)bought the market and bought an index fund and just got the return of say the US stock market or the international stock market and that’s all I ever did. Would I be better off? And the answer to that 98 % of the time is yes, you would be better off if that’s all that you did. And if you come to this realization, I call it the second stage, which is enlightenment, where you now realize that, okay, all the stuff I’ve been doing may have been okay. I’ve been moving in and out of things, but now I need to start looking at just buying the market and holding it for the longterm. And that’s enlightenment. But for some people, it doesn’t stop there. And they start to dig into this idea of indexing. When you start doing that, it’s good that you’re learning, but you’ll start running into a whole lot of noise. That is alternative indexes, enhanced indexes uh… explore strategies all of these things that you’re going to take this nice simple concept called indexing and make it complicated again. So you start adding all these things to your portfolio because it has the word index in it or maybe the word passive in it and uh… advisors are notorious for doing this it’s called complexity for job security Frazer Rice (05:39.148)Right. Rick Ferri (05:54.066)Basically, are, you know, you take the idea of indexing and you just add a lot of things all around the edges of it and you make a simple portfolio complicated. So the third stage of this process of simplicity is complexity. In other words, you’ve made something simple complex. Okay, so the last stage is Frazer Rice (05:54.221)You Rick Ferri (06:18.544)Simplicity. That is that you realize this is going on. You realize that all the stuff that you’re adding to your portfolio is just making it all complicated again. And that the people who are benefiting from this are not you, but the people that are selling you all this stuff. And you say, that’s it, I’m done. I’m going back to my second epiphany, if you will, which is simplicity. I’m just going to go back to a simple portfolio of a few broad index funds, US stock market index fund. An international stock market index fund that covers the whole market and a couple of bond funds, municipal bond fund and maybe corporate bond funds or treasury bond funds. And you could use index funds for those as well. And it’s a really low cost, very tax efficient and very simple. Frazer Rice (07:05.953)A couple of quick asides here. The first one is for people who are coming into this in and they’re in the darkness, but they are informed maybe from the TikTok world or Robin Hood or Kal-She or these or these betting orientations and distinguishing between betting and investing. How do you think about that and kick people over to the positive side of the force so that their emergence from the darkness into the enlightenment and simplicity doesn’t take them in a place where they really touch the stove in a bad way and have a bad experience that’s simple but bad. Rick Ferri (07:32.988)Right, okay. Rick Ferri (07:51.484)So there’s a concept called intrinsic value. You may have heard Warren Buffett speak about this. Well, you want to buy things that have cashflow. Bonds, for example, have cashflow. They pay interest. Stocks have cashflow. You have companies that are going concerns. They earn earnings and pay dividends. They buy back stock and they reinvest money. So you can value these things based upon these cashflows. Real estate has cash flow, it pays rent, or maybe you own timberland that you can cut the wood or you own a farm where you can harvest or lease it out. mean, these are cash flows. So the first thing that I have for cut in investing is cash flow. How do my investments generate cash or will generate cash later on down the road? That’s different than say buying gold or Bitcoin or currencies or commodities. Those things don’t have a way of generating a cashflow. One bar of gold put in a safe is one bar of gold a thousand years from now. It doesn’t become two bars of gold. doesn’t get little bars of gold. It doesn’t pay interest and so forth. mean, so unless you’re good at Frazer Rice (09:12.994)Right. Rick Ferri (09:16.966)Buying low and selling high, you can’t really expect to make anything other than maybe the inflation rate. And with commodities, you actually earn less than the inflation rate. Gold has earned a little bit more than the inflation rate. Where Bitcoin is going to end up, I have no idea. But the speculative assets are the ones that usually don’t have any intrinsic value. People are just betting on price because that’s all you have. I f price is going up, let’s buy it. Because the price went up. I don’t know where it’s going, but the price went up, so let’s buy it. And maybe someone dumber than us will buy it at a higher price from us, and then we can make money. But I mean, you have to trade these things. And what information do you have? None, really. It’s very difficult to come up with information that the market doesn’t already have. And you’re not a professional trader. So you might get lucky. I mean, people do get lucky. You you can flip a coin. And pick heads 10 times and if it comes up head 10 times it doesn’t mean you’re a good coin flipper you’re just lucky and so you can get lucky and you can make money doing this but it’s not a long-term investment strategy to do that it’s best to buy things that have cash flows or will have cash flows in the future. Frazer Rice (10:30.175)As I like to tell people, you not only have to be right, you have to be right twice, and then you have to be systematically right twice in order to make a living out of it. even professional traders struggle at that. And to think that you’re going to be better equipped than a lot of those folks is folly. And so I try to talk people out of that whenever I can, because I think… Rick Ferri (10:35.42)Correct. Frazer Rice (10:58.101)It’s just very difficult to play in that space and have that turn out to be a success. Okay, so we kind of have some ideas here around the philosophy and sort of the idea of, you know, sort of garnering luck versus skill and those types of components in that portfolio strategy, that second phase, maybe take us through that a little bit and how you take a good philosophy of simplicity and make it work for you. Rick Ferri (11:22.18)Right. So this gets into a little financial planning at the beginning of it because you can’t invest without a purpose. I you have to have a reason why you’re investing. It might be to pay future liabilities such as college for your children or retirement, or maybe you want to leave a legacy or maybe just trying to build wealth for the family, whatever it is. I mean, you have to have a purpose. And so what is the purpose? What are you trying to do? And you have to look at your life and you have to say, are my liabilities? What are my short-term liabilities? Do I want to buy a house? Or do I want to send my kids to Ivy League school? Do I want to retire early? And what are my liabilities? And sometimes it involves other family members. Maybe you have parents who need your help or siblings who need your help. So that’s a liability. The first thing you have to do is look at what are my liabilities? And included in that is how much you want to leave to your children. I often ask people, okay, you’ve got $10 million. How much do you want to leave to each of your three children? And they don’t have any idea. I said, do you want to leave more than 10 million or you want to leave less than 10 million? And a lot of people would say, well, they’ll get what’s left. Well, that changes the whole concept of investing if they’ll get what’s left. Frazer Rice (12:43.318)Sure. Rick Ferri (12:43.634)Versus, yes, I want to leave each of my child five million dollars when I die and I’m starting with ten. Okay, well that changes how you invest your money. So these are the liabilities. So that’s where you start with. And then you start looking at well, what are the short-term liabilities and what are the long-term liabilities? And long-term liabilities can be funded with equity. Meaning things that are ten years or longer out. I usually I tell people anything you’re to be spending your money on between say, Now and 10 years from now probably shouldn’t be in equity. You’ll be getting dividends and interest from your portfolio, which is fine. You could just spend that money. But in addition to that, I big chunks of money that you might be spending to buy a vacation home or whatever it is really should probably not be in equity. But the money that’s going to be not used for 10 years or longer, 20 years or maybe ever in your life, that can be in equity. don’t differentiate that first. A lot of times asset allocation, that’s what we’re talking about, starts with, well, what do you want between stocks and bonds? What do you want your portfolio to look like? What percentage in stocks and what percentage in bonds? I don’t think you really get to that number until you know when you’re going to be needing the money. If you’re going to be needing the money 10 years out, fine, that money can be in stock. So that would allocate a portion of that long-term money to stock and that might be a percentage. Okay, so that’s what we start with. A real basic look at who you are and what do you need and when are you going to need it and what are you trying to do for your heirs. And then that leads to an asset allocation between stocks and fixed income. The stocks again, I’m not investing in any stock money in liabilities that I have in the next say 10 years. So it’s long term. Okay. Now we have to look at the stock side. That’s the easy stocks. Stock investing is easy. I quite quite frankly, I’m working on a book right now about this, but stock investing is very simple. It’s much easier than fixed income and bond investing. Stock investing is simply we buy the global equity market. We’re just trying to buy the growth of global economic growth, global GDP growth. We’re trying to capture that, which has been going on. Rick Ferri (15:08.594)Fairly steady for about the last 250 years and continues to be that way as more and more countries shift more towards capitalism and away from fascism and communism and so forth and realizing that capitalism is the way if you want to take care of your people and you want to increase standards of living all around the world, it’s done through capitalism. much a fact of life. Capitalism works. Well, I’m well. Frazer Rice (15:31.185)I think many can agree with that, although it might not be popular here in New York. Rick Ferri (15:37.425)The reason New York existed was because it was a port for capitalism at first. So I mean, is the financial capital of the US still is New York. So you could disagree with it because you live in New York, but you’d be in a minority and you’d be outside of reality and history as well. But the idea is that it’s all I’m trying to capture this global growth of… Frazer Rice (15:41.686)That’s right. Frazer Rice (15:55.648)Exactly. Rick Ferri (16:03.026)Global economic growth, which is about 2 % per year in real terms. So if I get from equity, if I get the inflation rate and I get 2 % real growth and then I get about a 3 % dividend yield and that comes from both cash dividends and then buybacks, we’re looking at about a 7.5 % expected return from global equity. And that’s good enough. I mean, that’s all I need on my equity side. I’ll be outperforming inflation by about 5%. I’ll have to pay some taxes, but I’ll still have an actual real after-tax return of about 3%, which is good. Okay. The rest of it then goes into fixed income. And what type of fixed income? Well, that depends on what type of account that you have and what your taxes are. So if it’s in a taxable account, it could be municipal bond income, because it’s probably your best bet if you’re in anything other than a 22 % tax bracket. Or if it’s in your retirement account, could be corporate bonds. And depending what state you live in, it could be treasury bonds. But you don’t expect the treasuries or the corporate bonds or the municipal bonds really to give you much of a return over taxes and inflation. If you could pick up 1 % over taxes and inflation over 20 years or so by being in fixed income, I mean, you’re actually doing well. So that is more of a stabilizer, meaning you don’t want to be all in stock because you can’t handle the volatility of the stock market. It goes up and down too much, even though the asset allocation would say, well, you should have an awful lot of your money in stock because you have a lot of money that you’re not going to be needing in the next 10 years. But a lot of people can’t handle having a lot of money in stock. So you have fixed income that at least keeps up with taxes and inflation over the long term. And that becomes part of your asset allocation as well. So it’s kind of how you This is what you do first before you go out and pick any index funds. You have to go through this process. Frazer Rice (18:00.116)And then as part of that, I spend a lot of time basically all day, every day thinking about the tax management side of things and helping people understand their appetite for volatility and how that impacts their long-term goals and things like that. The creation of these buckets to understand where you are in your tax situation and where you’re going to be, that can have a pretty significant impact on how things do. And from your perspective, I that’s really just, that’s a function of projecting out the purposes that you described before with your current situation and then the vehicles with which to invest in. Rick Ferri (18:38.226)Right. And you’re not trying to hit the ball over the fence here. I mean, you’re just trying to get your fair share of the returns that are available to everybody. And through index funds, and this is where index funds come in, you can get exactly that. I mean, you could buy a global equity index fund, a global equity, covers the entire globe for a few basis points, 0.05 % per year fee. It’s very tax efficient. And that wasn’t the case. 30 years ago, 40 years ago, but it is now. that’s the way you should do this. You don’t want to leave out all these ideas that you’re going to go out and hire people who are going to outperform that because they don’t. A vast majority of them don’t. Frazer Rice (19:21.963)And so the machinery to implement these portfolios, ETFs are sort of standard tax-efficient ways to do things. Mutual funds distribute gains at the end, which is sometimes a nasty surprise for people who are learning about this. Maybe take us through your analysis on how to implement this index investing in a way that stays simple and tax-efficient and at the same time helps you take advantage of what’s out there. Rick Ferri (19:52.883)So we have to divide up the world between your taxable money. Again, you already have a portfolio. So you have all these legacy assets in a portfolio, in your taxable portfolio. Then you have your retirement portfolio, 401k, 403b, 457 IRA, rollover, Roth IRAs, tax-free portfolio. So you have to look at taxes first. To implement a…simple portfolio say in a 401k if you have access to a target date index retirement fund like a Vanguard or an iShare or a State Street very low cost Fidelity has one too but very low cost index target date retirement fund this does it all for you you don’t have to do anything you just have to buy one fund based upon what the asset allocation is underneath the hood of that particular fund. How much in stock, how much in bond. That’s all you need to do in a 401k. You could roll your own in a 401k by buying individual index funds like a US stock market index fund, an international index fund, and say a bond index fund. So you could do your own allocation if you wish. But a target date fund works really well there. In a Roth account, you probably just want to have equity because there’s no tax in a Roth account. So you want to get maximum growth out of that account. So I would you look at the Roth account and I’d say, well, I’ll just buy the global equity index fund and my Roth account. And that’s it. All I have. So you’ve got your retirement accounts, which are target date fund. Very simple. You’ve got your Roth accounts, which are just a global equity index fund. And the only thing you need to worry about is your taxable account. Taxable accounts always have issues because people will come in and they will have this list of stuff that they already own and guess what there’s a lot of embedded long-term capital gains in there and if you just sell it and go to a index portfolio you may not be doing the clients a good service because they’ll pay a tremendous amount of taxes and if they’re over 65 they’ll have to pay more for medicare ermor they’re going to lose their over 65 deduct i mean lots of bad things happen when you just sell out of a taxable account Rick Ferri (22:04.722)So there you’re going to be a little bit more tactical. know, you’re going to wait. The market will give us some opportunities to trade out of some stocks or some investments that may have losses. So you can then take those losses. You could sell other things to that have some gains to offset the losses. And I mean, you may never get out of everything that you’ve got in a taxable account. But the idea is to have this portfolio out there of say, a US total stock market index fund and a municipal bond fund. That you want to move towards. So as you’re selling these things off, you’re just putting the money in a US total stock market fund. And the reason I say US total stock market in a taxable account is because they’re so tax efficient. The dividend yield is down about 1.2%. They don’t distribute capital gains in an ETF. And that’s a great fund for a taxable portfolio. But you just can’t sell everything and buy it. You’ve got to crawl your way out of what you currently have. Frazer Rice (23:05.715)No, you have to do it thoughtfully or else you create hits that are unnecessary. So as we segue to the discipline portion here, one thing that’s popping up is the, I think the discipline to stay simple. The world out there, the US in particular, is making retirement accounts safe for alternative investments like private credit and private equity. Rick Ferri (23:10.256)Right. Frazer Rice (23:31.211)I just bristle and shudder because I think there’s a level of complexity and illiquidity that is misunderstood and it is going to be difficult, nay impossible, to properly educate people on where those things sit in the asset spectrum to the point where they justify their fees or anything like that. Maybe take us through what you think on that as we get to the discipline portion of how you sort of stay the course with this mindset. Rick Ferri (24:00.924)Well 401ks are allowing these private equity investments and private debt investments in, but I personally have not seen any of my clients and I have a lot of clients and I charge an hourly fee. So I’m not trying to sell anything or manage anybody’s money, but nobody’s asking for these things. where, where are they getting the idea that they should own them? Well, they’re getting from the people that were selling them, right? The people who are making fees from them. I haven’t seen any useful data that says that these things actually enhance your return. Alpha goes to the manager. I say that over and over again. If these things actually produced a higher rate of return than say just a corporate bond index fund, you’re not going to get it. It’s going to go to the advisor, it’s going to go to the manager, and all you’re going to do is take the risk. You’re going to take the risk and they’re going to get the excess return in the long term through fees. They don’t make any sense. You don’t do it. It’s just the rehash of active management and mutual funds, which has already been dismissed as not producing anything for you, the investor. It only generates fees for the people in the investment industry. This is just another iteration of that and we’ve already seen some cracks. Isn’t that what Jamie Dimon said? What are they cockroaches? I think is the word that he used in the private equity market. And yeah, I mean, this is not new. This is just a repackaging of ideas just that now they’ve been allowed to go into the 401k market. But you have to ask yourself why haven’t they been allowed to go into the 401k market for the last 40 years if they’ve been so great? It’s because the SEC Frazer Rice (25:31.978)Right. Rick Ferri (25:58.703)The Department of Labor said, no, we’re not going to allow these things in there. you give people enough rope to hang themselves. They’re not going to hang themselves, by the way. Somebody else is going to put the noose around their neck. And that’s the advisors who are doing that. Frazer Rice (25:59.499)Department of Labor and right. Frazer Rice (26:19.066)And I mean, a different podcast probably, but it’s something where the liability really is going to shift to the planned sponsors. I don’t care what happens and you know, they’re going to present these things and something’s going to blow up. And it’s like, know, you may you gave me the option and they’ve already those lawsuits already already proliferate. OK, so back to discipline a little bit here. What should people be doing in order to make sure they can carry carry out the. Rick Ferri (26:39.367)Yeah. Frazer Rice (26:47.147)What they’re doing in a systematic way and keep themselves safe from being distracted by all this noise. Rick Ferri (26:52.86)So again, that’s why we start out with the philosophy. You have to believe in the philosophy of simplicity and simple indexing. You can’t just jump to it because some TikTok video said buy index funds, okay? If you’re just jumping to it that way, then you’re not gonna have the discipline to stick with it because it’s just another phase or fad or whatever in your mind. You don’t really truly understand. Frazer Rice (27:14.346)Mm-hmm. Rick Ferri (27:22.32)Why you’re doing it this way. So it gets back to the philosophy. Really got to understand the philosophy and why this works better than 98 % of everything else out there over your lifetime. And then you create the strategy for yourself and now you’re working towards completing that. Again, in the retirement account it’s done quickly, but in your taxable account it could take a while. The discipline is while you’re getting your portfolio in line, the first thing you need to do from a discipline standpoint is actually do it. Actually go to your 401k and change what you’re investing in. Because so many people will do the strategy, but it never gets actually implemented. Or maybe it gets 50 % implemented. It never gets old. It doesn’t, I don’t want to say never, because I have a lot of clients who do fully implement it, but I also have clients that I’ve given them the plan and three years later or five years later they come back and they haven’t done anything. Okay. And so I say, you need to implement the plan. Nothing has changed. So you got to, the plan first off has to be implemented fully. And then once it gets implemented fully, it’s a lot easier to maintain it. But if it never gets implemented fully, then of course you can’t maintain it. So implementation of the plan fully is the first discipline, the first part of discipline. And then once that’s done, maintaining it. In other words, not being drawn off course. Yeah, it’s fine to say, the price of oil is gonna shoot through the roof because what’s going on in the Middle East, so I’m gonna buy an energy index fund. That sounds like something I should do. No, it’s something you could think about. Something might be interesting, but it’s not something you should do. So discipline transcends the urge to do things. In other words, like John Bogle said, don’t just do something, stand there. And that takes more going back and remembering why you have this philosophy, going back and looking at the data. Rick Ferri (29:46.151)going to the right place to find information. And I’ll mention the bogeyheads.org website to go back and remind yourself why you’re doing this. If you’re gonna stick with it and these things help you stick with it. The more you automate things too, the better it is. Like we’re in a 401k just automatically invest in the target date fund and don’t do anything else. So automation helps you as well. Frazer Rice (30:05.736)Hey, hey. Frazer Rice (30:14.109)No question, if you can take these things out of your own hands in many ways and delegate it out and it happens automatically, just a chance of success on that front. And then if life intervenes and things need to be adjusted, you deal with it at that point and not have CNBC or the world news whipsaw your viewpoint on these different things. So as we wind down here, just talk a little bit about the service that you provide, sort of these larger family office clients, because I think in a lot of times they gravitate toward complexity, they gravitate toward FOMO investing and how you help to center that back to this worldview so that they get where they’re going at scale at sort of that ultra high net worth world and remind them of you how they got there and how to not be how to not leave by by getting cast aside into these different whirlpools that are out there Rick Ferri (31:13.778)That’s a great question. So you got to pick your advisors well. So some of my clients have a net worth over a billion dollars. I have several clients that have several hundreds of millions of dollars and believe me, They have simple portfolios, total stock market, total international municipal bonds. It’s all they have. And it may seem strange, but they don’t have these limited partnerships that you can’t get out of or syndicated deals that may sound good. I say to them, you don’t have enough money to own those, meaning that if you’ve only got $100 million, you’re just chump change to the Goldman Sachs of the world or the Morgan Stanley’s. When it comes to who’s going to get the good deal on a the next private equity deal or venture capital fund. You’re the person they sell the leftovers to. I know it’s hard to people to accept this. They think they have a lot of money if they have a hundred million. But the fact is they don’t. I mean, if you’re not sitting on five, ten billion dollars, you’re not going to get preferential treatment. You’re going to get you might get lucky. Just like everything else, the coin flip idea, but most of the time you’re not going to end up coming out ahead. That’s not the way they make you feel when they sell you these things. They make you, even if you had a million dollars and your Wells Fargo broker is trying to sell you some limited partnership, they’re going to make it feel like you’re very special and that this is a very special deal that is just for you. Frazer Rice (32:46.505)You Rick Ferri (32:50.322)And that’s how it’s going to be sold to you. But in the end, when you look at your performance and you say, I want to get out of this thing and you can’t, you realize at that point that maybe you shouldn’t have done it to begin with. And I’ve had experience going back 30 years working with some of the very largest families in the country, some magnificent seven IPO families, and they all want to get back to simplicity. They want to get rid of all of the stuff that they had gotten. And it’s true. And it’s better for estate planning as well because you need to transfer these things eventually to somebody else’s name. Frazer Rice (33:35.785)you’ve triggered me. I’m dealing with this on multiple levels, on multiple different things, and I’ve had to be trustee on some of the complexity and sort of sit Indian style and try to own your way through it. It’s brutal. So. Rick Ferri (33:53.81)Wouldn’t it be so much nicer just to have, let’s say, a single total stock market ETF to have to deal with rather than all that other stuff? Frazer Rice (34:01.807)No question. OK, so as we wind down here, how do listeners and watchers find you? Rick Ferri (34:09.478)Well, they can find me at Rickferri.com. I’m not currently and I won’t be taking on any new clients. I’m sorry for that, but I have a set clientele and that’s all that I am working with and I won’t be expanding my clientele. But there are other people that do this that believe in what I do. And you can go to Rickferry.com and you could find their names there. But me personally, you can find me on Rickferry.com. I’ve written several books about this. I’m writing another one. And but I apologize that I’m not off the market as far as hiring me personally. Frazer Rice (34:45.645)I love it. But at the same time, your books and your other ways that get out there, they are on RickFerri.com. So we’ll have that in the show notes. In the meantime, Rick, thanks for being on. Rick Ferri (34:52.07)Yes, exactly. Thank you. https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/

PT: Não deixes a Liberdade cair! ✨Olá! Neste episódio especial, partilho a leitura de dois poemas que celebram e questionam a nossa democracia: "Cravos Vermelhos" e "Liberdade Condicionada". São historiemas que nos relembram que a liberdade não é umdado adquirido, mas uma luta constante.EN: Don't let Freedom fall! ✨ Hello! In this special episode, Ishare the reading of two poems that celebrate and question our democracy: "Red Carnations" and "Conditional Freedom". These are"Historyems" that remind us that freedom is not a given, but aconstant struggle.

Hey, it's Dave Jackson! In this episode, Ishare my talk that I did at the National Religious Broadcasters (NRB) about video podcasting. What are the real benefits, the costs, and the drawbacks? I also tackled the recent Apple announcement about HLS video, shared my NRB event experience, and got into some real stats and stories about YouTube and podcasting.This episode uses chapters to enable you to jump to the most important parts for you.Key Topics Covered:The difference between a podcast and a YouTube showStats on how many podcasters are actually doing "real" videoYouTube's change to how Shorts views are countedPros and cons of YouTube for discovery and monetizationCost breakdowns of starting both audio and video podcastsCompletion percentages for audio vs video showsAlgorithm reality and how audience recommendations workMajor drawbacks of relying on video platforms for incomeThe new Apple HLS video announcement: what it means, who it's for, and whether you should careReal examples of creators' experiences on YouTubeMy Takeaways:You don't have to do video if you don't want to. Video can help with discovery, but the audio side offers significantly more opportunity—sometimes a 15x larger audience! Also, while YouTube provides community and powerful analytics, the algorithm and monetization risks are real. The new Apple HLS video support is mostly about helping advertisers, not creators, and comes with new costs.Resources & Links Mentioned:School of Podcasting: schoolofpodcasting.comPodcast Host Survey (Dr. Colin Gray): thepodcasthost.comThe Truth About ‘Video Podcasts' on YouTubeThese 5 Podcasters Added Video – Here's What HappenedPodcastIndex stats: podcastindex.orgHosting Recommendations:Captivate: captivate.fmBuzzsprout:

If you're a parent feeling overwhelmed by your child's school experience… If you're exhausted from meetings, emails, meltdowns, phone calls, and “something just isn't working”… If your child is bright, creative, kind, and capable — but school keeps telling a different story… This episode is for you. Today on ReDream Education, I am speaking straight to the families who feel trapped between public school and private school options that still don't fit. Maybe you're noticing anxiety, school refusal, burnout, boredom, sensory overload, bullying, or a complete mismatch between who your child is and the environment they're in. And I want you to hear this clearly: You're not crazy. You're not alone. And the problem isn't your child — it's the system. More parents than ever are waking up to the truth that traditional school models were not built for the needs of today's learners — especially neurodivergent children. And instead of waiting for slow, bureaucratic reform, families are taking the lead. Microschools. Homeschool hybrids. Learning pods. Flexible, personalized learning communities. These aren't fringe ideas anymore. They're becoming a movement — one that is growing because it meets the needs of real families. ⭐ In This Episode, I Share…

In today's episode, I'm pulling back the curtain on a very real-time expansion I'm stepping into this year — and inviting you to come along for the ride. Every year, I choose one new skill to learn deeply. For 2026, that skill is real estate investing, specifically multi-family properties (five doors and up). Not because tapping is going anywhere — quite the opposite. My tapping business is thriving, and I'm now asking a new question: How do I steward my money wisely, grow long-term wealth, and stay regulated while doing it? This episode is about what rich and relaxed actually looks like for me — not in theory, but in real life — and the five intentional choices I'm making this year to build wealth without abandoning my body, my faith, or the people I love. In This Episode, I Share: 1️⃣ RICH: Becoming a Multi-Family Real Estate Investor I share why I'm officially stepping into the identity of a real estate investor, how this calling has followed me since I was a teenager, and why multi-family properties feel like the most aligned next chapter. I also talk about trusting intuitive nudges — including how watching Powerhouse Women last year led me directly to Veena Jetti, who is now mentoring me through this journey. This isn't a pivot away from tapping — it's an expansion of how I build wealth and legacy. 2️⃣ RELAXED: Tapping Regularly + Weekly Practitioner Support Tapping remains my non-negotiable nervous system hygiene. I share: Why you don't scale past regulation — you scale through it How tapping helps me move through fear, visibility blocks, and new-industry discomfort Why emotionally regulated women create the most sustainable wealth Rich women invest in emotional safety, not just strategy. 3️⃣ RICH: Investing in Experiences & Trips With My Daughter Wealth isn't just numbers — it's memories. I talk about: Why experiences with my daughter are a core investment strategy Modeling freedom, presence, and abundance for the next generation Choosing “money well spent” moments we'll remember forever This is the kind of wealth I want her to feel in her body. 4️⃣ RELAXED: Quality Time With Friends in Beautiful Places Connection is regulation. I share how: Time with friends in nourishing environments has been deeply healing Women gathering creates clarity, ideas, confidence, and expansion Leaders need spaces where they don't have to lead These weekends don't just relax me — they make me richer in every way. 5️⃣ RICH: Deepening My Relationship With God & Faith This is the foundation of everything. I talk openly about: Letting God be the strategy Releasing the need to control outcomes Trusting guidance over grind Asking for what's meant for me to stay — and what isn't to be removed As teachers like Joe Dispenza and David Ghiyam often share: when you connect to the Creator first, life starts working for you. A Gentle Invitation If you're learning a new skill this year…If you're expanding financially, emotionally, spiritually, or relationally…If you're craving a version of success that doesn't cost you your nervous system… You're in the right place. ✨ Reflection Question:What would your five things be if your goal this year was to be rich AND relaxed? Continue the Journey With Me If tapping, regulation, and intentional wealth are part of your 2026 vision, I invite you to join us inside the Wildly Wealthy Woman Experience — an intimate sisterhood of women committed to receiving more without burning out. And if this episode resonated, it would mean the world to me if you: Share it with 3 women you want to see rich & relaxed this year Leave a 5-star review on Apple Podcasts or Spotify Send me your questions — I'm sharing this journey in real time to support@jackiemcdonald.ca JOIN THE WILDLY WEALTHY WOMAN EXPERIENCE & COMMUNITY https://jackie-mcdonald.mykajabi.com/offers/JY4fkzcd/checkout

WWW.ADVENTUREFREAKSSS.COM Find your Ideal Destination Here: https://adventurefreaksss.com/ideal-destination-finder/ ================================= How to work with me: =================================

Words matter! That said, the six words Ishare in this podcast carry more weight than just about any other words you could say, because they are directly ties to your Sovereignty, happiness, self-love, fulfillment, joy, abundance, and a lot more. Connect 2 Love Podcast, with Michael as co-host with Lisa Lerose   Michael's Sovereign Words Etsy Shop...where you will find clothing with quotes that are aligned with Sovereignty, self-love, joy, happiness, LOVE, and more!

Do you ever feel like no matter how hard you try, it's never enough? That is the trap of perfectionism — and today, we're breaking it in Jesus' name. Before we dive in, Sister… it's November, which means my 21-Day Christian Fitness Challenge is open right now— and only this month. If perfectionism has been sabotaging your fitness, food choices, routines, or confidence… this is the Christ-centered refresh your mind, body, and spirit need before the holidays. Join now at https://kimdolanleto.com/christianfitnesschallenge ➞ In This Episode, I Share 3 Godly Ways to Break Free From the Trap of Perfectionism 1. How perfectionism really started I talk about how the "never enough" mindset often begins in childhood and why so many of us end up replaying it in our health, habits, relationships, and spiritual lives. This is where God begins healing the root. Scripture: "His grace is sufficient for you, for His power is made perfect in weakness." — 2 Corinthians 12:9 2. Why performance will never give you peace The enemy uses pressure to exhaust us, guilt us, and push us into all-or-nothing living. But Jesus leads us with peace, not pressure. Scriptures: "Come to Me, all who are weary and burdened, and I will give you rest." — Matthew 11:28 "You are complete in Him." — Colossians 2:10 3. How to trade perfection for faithfulness This is the real shift: choosing progress over perfection and trusting God in the small, steady steps. Not flawless eating. Not perfect workouts. Not rigid routines. Just faithfulness. Foundational Scripture: "It is for freedom that Christ has set us free. Stand firm, then, and do not let yourselves submit again to a yoke of bondage…" — Galatians 5:1 November-Only Challenge Reminder If this message hits home, the 21-Day Christian Fitness Challenge will help you break the perfectionism cycle and rebuild your health and habits with Jesus at the center. Inside the Challenge: Daily devotionals Scripture calendar Reflection questions Emotional-eating support A full Jesus-centered fitness reset Grab your spot before November ends: https://kimdolanleto.com/christianfitnesschallenge ➞ Have a question for me? Leave it in a YouTube comment or in an Apple Podcasts or Spotify review — I read every one. If this episode blessed you… Would you share it with a friend? It might be the breakthrough she's been praying for. Remember, You are Strong. Confident. His. Kim Dolan Leto

The Veil has been cracked OPEN FOR OUR LIBERATION.I Share not to inform, but to help you remember from a place of coherence of love.This message will leave an imprint on your soul.Take heart as we shift through the -unseen architecture of unworthiness programs, spiritual dissonance and deep fatigue in the ascension path. A man that I've trained with and have admired for 7 years, is -Chase Hughes. Chase has used the NLP and hypnosis with a military/secret-agent/MK-Ultra programs for years. Moved by his words, and trusting that we all can continue to unify and grieve what's been lost -We are to come back together to celebrate our revolutionary agency of choice and opportunity to stand up and be heard as we dispel lies.

In this episode. Ishare my personal thoughtson the 2025 government shutdown and breakdown what it could mean for everday people, the economy, and our future (https://5bestweightloss.com/?id=64d363e25f7785bc4f52b5f1)spreaker.com/show/snakz-thoughts creators.spotify.com/pod/show/snakz-thoughtsUse TubeBuddy: https://www.tubebuddy.com/ericbroadus.Use Skillshare: https://skl.sh/3hce

After a week of prayer and reflection, Ishare my thoughts on this tragedy from the perspective of our faith in Christ Crucified.  (The Cloud's Veil - Liam Lawton - frequently used in 9/11 Memorials)   The homilies of Msgr. Stephen J. AvilaPastor, St. Joseph, Guardian of the Holy Family Parish, Falmouth, MAThanks for listening! May God's Word find a home in you.

This week I Share 10 Reasons Why There Is Power of Showing Up In Person [powerpresss]

This week I Share 10 Fun WordPress Ideas to Try [powerpress]

Hey y'all.I'm back with Part 2 of the series on How to 10x Your Results in Your Life and Business—and today, I'm breaking everything down.This isn't fluff. I'm walking you through the exact process that changed my life, helped me quit medicine, and now powers the coaching transformations inside The Doctor Coach School™.If you haven't listened to Part 1 yet, definitely click here to go back and listen—but even if you're jumping in here, you'll walk away with some gems.In this episode, I:Share behind-the-scenes highlights from my Half-Mil Mastermind retreat (our first virtual retreat—and the transformation was unreal!)Introduce two of my most powerful proprietary coaching tools: 

What if the voice you're calling “wisdom”… is actually fear? In this bold and Spirit-led episode, I exposes the deceptive voices that keep faith-driven leaders from stepping into their next assignment. From hesitation disguised as discernment to spiritual-sounding delays that are actually fear in disguise, this teaching will help you break free from delay, doubt, and disobedience. Ishare her own journey of resisting God's promptings under the guise of “not being ready”—and the breakthrough that came when she finally said yes. Plus, she unpacks her 3-part Spiritual Intelligence Method™ to help you reclaim clarity, peace, and Spirit-led action.

Find out about a very recent transdimensional experience that I had, and the synchronicities thatunfolded afterward. Late last year I published my first book about my transdimensional ET contactcalled Transdimensional: Meet the New Neighbours– the links are below in the description or use the Q-code that is onscreen to find out more. Although I was able to share much detail about my ET contact inmy book, I was not yet aware of how my autism made this contact more likely and possible. Join me as Ishare more about this phenomenon and much more. Find all of my links below. Check me out:subscribe to my channels, leave me a comment, like my videos, and please do share my content withyour friends!YouTube Link: https://youtu.be/ooSSxSc_HGYKaren Holton's Links: Link Tree: https://linktr.ee/karenholtontv Download my exclusive audio content found only on SPREAKER, Spotify, Apple, Podbean,iHeart, Goodpods and more – https://www.spreaker.com/show/quantum-guides-show-with-karen-holton TRANSDIMENSIONAL: Meet the New Neighbours by Karen Holton (paperback & Kindle nowavailable from Amazon Worldwide) US:https://www.amazon.com/dp/1069173509?ref_=pe_93986420_774957520& Canada: https://www.amazon.ca/TRANSDIMENSIONAL-Neighbours-Ms-Karen-Holton/dp/1069173509TRANSDIMENSIONAL 2: Meet the Greys Picture Book by Karen Holton (paperback & Kindlenow available from Amazon Worldwide) US: https://www.amazon.com/TRANSDIMENSIONAL-Meet-Greys-Picture-Book/dp/B0DVSRX8BQ & Canada:https://www.amazon.ca/TRANSDIMENSIONAL-Meet-Greys-Picture-Book/dp/B0DVSRX8BQ Buy Me A Coffee: https://buymeacoffee.com/karenholtontv Join My YouTube Channel to receive my perks!https://www.youtube.com/@KarenHoltonTV/join Website: https://www.karenholtonhealthcoach.com/ Inspired Images: https://www.karenholtonhealthcoach.com/product-category/inspired-images/ Signed Books: https://www.karenholtonhealthcoach.com/product-category/signed-books/ Vital Services: https://www.karenholtonhealthcoach.com/product-category/services/ Zen Domes Orgonite: https://www.karenholtonhealthcoach.com/product-category/zen-domes-orgonite/ Comfort Crystals: https://www.karenholtonhealthcoach.com/product-category/comfort-crystals/ Inspired Images: https://www.karenholtonhealthcoach.com/product-category/inspired-images/ Free Resources: https://www.karenholtonhealthcoach.com/free-resources/ YouTube: https://www.youtube.com/c/KarenHoltonTV Rumble: https://rumble.com/c/c-2423374 (KarenHoltonTV) Odysee: https://odysee.com/@KarenHoltonTV X (Twitter): https://x.com/KarenHoltonTV Telegram: https://t.me/KarenHoltonTV Facebook: https://www.facebook.com/karen.holton3 Instagram: https://www.instagram.com/karenholtontv Forbidden Knowledge News Network: www.forbiddenknowledge.newsThe Quantum Guides Show and the Aliens & Angels Podcast are now part of the Forbidden KnowledgeNews Network! https://forbiddenknowledge.news/Other podcast series from Karen Holton:Quantum Health Transformation V.3.0 - a free, no strings attached, 9 Step online, lifestyle course to giveyou the tips and resources you need to thrive! By following my own channeled advice, I made mydreams come true! Whether you are in the ascension process, or simply want more out of life, thiscourse is for you.Complete Quantum Health Transformation V3.0 Playlist on YouTube:https://www.youtube.com/watch?v=qwSmOYvGXBA&list=PLe1pNMTCSTLlzyU9vc_SmK4zs4_JCcpa1&pp=gAQBiAQBor watch the Quantum Health Transformation program on Karen's website:https://www.karenholtonhealthcoach.com/quantum-health-transformation-free-online-course/

This week I Share 5 Things To Help Make Your Websites More Accessible [powerpress]

What one relationship could change everything for your business? In this episode, Ishare a story about a connection that started with a student and grew into a game-changing partnership. Find out how this relatioship helped overcome major challenges and led to incredible growth. Tune in to learn how the right in your life can make all the difference.

What one relationship could change everything for your business? In this episode, Ishare a story about a connection that started with a student and grew into a game-changing partnership. Find out how this relatioship helped overcome major challenges and led to incredible growth. Tune in to learn how the right in your life can make all the difference.

Today I am reminding you that your restoration is on its way!  After losing my mom on Christmas night in 1991, I experienced deep pain and brokenness. But God, in His faithfulness, brought full restoration to my life, fulfilling His promise in Joel 2:25: “I will restore to you the years that the locust has eaten.” This episode is a heartfelt reminder that no matter what you've gone through—whether you've experienced loss, felt something was taken from you, or faced spiritual or physical challenges—God's promises of restoration are for you, too. Join me as I: Share how God's restoration transformed my life. Encourage you to trust God for the restoration of what's been lost or stolen. Remind you that nothing is too broken for God to make whole. Whether you've been struggling with grief, disappointment, or a sense of emptiness, this episode will renew your hope and remind you that God is faithful to restore. Your story isn't over—restoration is one of His promises to you.   Scriptures Referenced: Joel 2:25 Joel 2:28   I pray this blesses you,    Xoxo Coach Joy    Becoming Her 2025 Workshop

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This week I Share 5 Reasons (and Methods) to Perform a Security Audit Before the New Year [powerpress]

This week I Share 5 Things To Do AFTER Black Friday 2024 [powerpress]

You're 100% right. They do know better. These are smart kids we're talking about here, nothing gets past them!So, if that's true, why are they still hitting, pushing, screaming, or whathaveyou? Explaining the rules for the 1,456th time isn't going to solve anything.What will?  Tune in with curiosity.IN THIS EPISODE, I SHARE...The truth behind two incredibly common misconceptionsThe painful sting of regret that's oh, too familiarHow it feels when the tables have turnedDON'T MISS:Why it's problematic to tell your child to "make good choices."// CONNECT WITH DANIELLE //Website: parentingwholeheartedly.comIG: @parent_wholeheartedlyAPPLY: parentingwholeheartedly.com/applySend us Fan Mail over Text.Support the Show.START HERE:CALM + CONFIDENT: THE MASTERCLASS Master the KIND + FIRM Approach your Strong-Willed Child Needs WITHOUT Crushing their Spirit OR Walking on Eggshells *FREE* - www.parentingwholeheartedly.com/confident

This week I Share 5 Design Trends [;powerpress]

This week I Share 5 Reasons to Love Data Liberation [powerpress]

When Support Groups Make You Feel Worse What Else Is There? Heidi Lowe and I Share the Answer with you in this episode. Heidi and I met in a pod cast training, and talk about divine intervention. I had a few people tell me you need to meet Heidi. Then of course we got put into a pod together that meets weekly. We learned that we both share the pain of loosing a daughter, and that we now use that pain to help others. After listening to her talk about building this training to help people build out their retreats I decided it was time to take action on one of my dreams. I went through her VIP Master Retreat Planning Day. To learn more join her next FREE MASTER CLASS HERE! 20 years ago in a few short months Heidi Low went from stay at home wife and mom to one terminally ill daughter and 3 bonus children to single girl working and going to school full time.  She spent the next eight years researching like crazy, trying everything from therapy to energy healing. Most weren't directly related to grief, but focused on growth – using her deep pain as a catalyst for creating something good. Born out of that work, she walked away from an established career in health care policy to start 'Ohana Oasis, a non-profit serving bereaved parents nationwide with weeklong retreats. What began as her facilitating one small retreat, has expanded to retreats held regionally across the United States, a leadership training program and new cohorts being full supported by trained alumni leaders. 10 years later she's developed, facilitated, and overseen more than 15 retreats.  Now Heidi's taking that retreat experience to show others who want to create their own transformational retreats, how they can do it too.  You can find Heidi at heidilow.com or on Instagram at: https://www.instagram.com/heidichristinalow/. Connect with Dawn Maynor: Want to ⁠learn how to use Manifesting⁠ as a tool to work through grief, depression, and anxiety. I offer a 1:1 COACHING PACKAGE aimed to help women learn to tune into their inner being, prioritize their emotions, fill their hearts with praise, and begin to see the new manifested version of themselves with love and internal peace! Learn More ⁠HERE⁠! MANIFESTING DAY RETREAT-⁠LINK⁠ WEBSITE-⁠LINK⁠ dawnmaynoryogadreams@gmail.com  Please share this podcast with a friend or on social media.  Thanks for tuning in!    Sending you all Love and Light,  Manifest More With Dawn Maynor

Sociology student Marvin, interviews Sonma on her views on Racism and how different societal views differ with racism. I was Raped at 17 and SA at 7. I SHARE stories on my experience- please practice self care while listening to this segment! If you or anyone you know need support resources in navigating conversations on these issues- kindly reach out on @sonmarealconvos

Hey my friend,   Is your business not taking off and you don't know what to do about it?! The life of a Solopreneur is hard! You are wearing all the hats at once and juggling so many balls in the air. You might be doing all the things but are you seeing the success you would like to see? Maybe you have not enough customers or clients, maybe there is no growth or only limited growth even though you are trying so hard to scale your business. Having an online business is hard. You hear all the ideas about growth strategies, management tips and productivity ideas and try to implement it all... But honestly, Friend - In my experience there is only one single GROWTH Hack that changes everything about your business. In this episode, I teach you to be super focused & organized. I Share with you the #1 reason, by far, that is limiting the success of entrepreneurs. And I will show you 4 simple steps to change your business into a growing machinery. Whether you have an online business, have a coaching business or are trying to grow your business over instagramm - this one Hack will help you stay on top of your game! Listen to this episode and learn how you can Grow and Scale your business using Biblical principles. Because as Christians we are called to be kingdom entrepreneurs who use their businesses for IMPACT! So, let's create impact and make money, while we are at it! I pray this blesses you. Cheers, Archana   Archana Jacob Christian Business Coach, Business Woman, Entrepreneur & Investor ****** Coaching Wanna work together!? Snag a private coaching session with Archana: support@moonshot-entrepreneur.com     Check out the Website   www.moonshot-entrepreneur.com     Contact   support@moonshot-entrepreneur.com     Connect with Archana on Facebook   (Click join to be part of the Moonshot Entrepreneur Facebook Group Community)   www.facebook.com/groups/moonshotentrepreneur

We have made it to the last message in this series! The goal is to share the gospel with all men as Christ would have us do. This week Pastor Herb asks the question, "What about the person who lives in the middle of nowhere? Can they be saved?" Get your Bibles out and pens ready to take notes, this message will encourage you today! Pastor Herb Hartso III, head pastor of Antioch Bible Churchinvites you to join us in person. You belong here. Recording Outline:I. Welcome + Prayer | StartII. Acts 4:12 | 7:30III. Romans 1:18-21 | 9:46IV. Special Revelation in Scripture | 14:30V. So What? | 25:31I. Closing Statement and Prayer | 33:14  Life Group Scripture Memory ChallengeScripture Memory Challenge: Each week you will be given Bibleverses to memorize. If you are up to the challenge, you will recite the verseto your Life Group leader. At the end of the iShare series, we will recognizethose who have completed the challenge. - Memory Verses Week 1: James 4:14, Hebrews 9:27- Memory Verses Week 2: Romans 3:23, 5:8, 6:23, 10:9- Memory Verses Week 3: James 4:14, Hebrews 9:27; Romans 3:23,5:8, 6:23, 10:9; Ephesians 2:8-9- Memory Verses Week 4: Romans 1;16 Join a Life Group: Life Group Questions:1. What is the difference between general and specialrevelation?2. How does the story of Philip and the Ethiopian show thatsomeone in a remote location can be saved?3. What does Acts 17:26-27 say about people in every nation?4. What verses state that God wants all people to be saved?5. What is your final position on the person in Timbuktu?

This week I Share 7 Ways To Automate Your Business. [powerpress]

In our current series entitled iShare, we have made it to week four. The goal is to share the gospel to all men as Christ would have us do. This week Pastor Herb encouraged believers to be bold in sharing the Gospel of Jesus Christ and has given us some basic tools to aid us in sharing.Pastor Herb Hartso III, head pastor of Antioch Bible Church invites you to join us in person. You belong here.Recording Outline:I. Pastor Connect Time | StartII. Prayer | 3:55III. Message | 9:35III. Closing Statement and Prayer | 37:14Life Group Scripture Memory ChallengeScripture Memory Challenge: Each week you will be given Bible verses to memorize. If you are up to the challenge, you will recite the verse to your Life Group leader. At the end of the iShare series, we will recognize those who have completed the challenge. - Memory Verses Week 1: James 4:14, Hebrews 9:27- Memory Verses Week 2: Romans 3:23, 5:8, 6:23, 10:9- Memory Verses Week 3: James 4:14, Hebrews 9:27; Romans 3:23, 5:8, 6:23, 10:9; Ephesians 2:8-9- Memory Verses Week 4: Romans 1;16Join a Life Group: www.abchurch.orgLife Group Questions:1. What picture do you have in your mind of God the Father?2. What do you think about everlasting life being a commandment?3. How can we overcome fear and rejection of the gospel?

In our current series entitled iShare, we have made it to week four. The goal is to share the gospel to all men as Christ would have us do. This week Pastor Herb encouraged believers to be bold in sharing the Gospel of Jesus Christ and has given us some basic tools to aid us in sharing our personal testimonies.Pastor Herb Hartso III, head pastor of Antioch Bible Church invites you to join us in person. You belong here.Action Items:○ Write it out... Before Salvation, During Salvation, After Salvation○ Get some reps and share your testimony○ Scripture Memory Challenge (see below)Recording Outline:I. Pastor Connect Time | StartII. Prayer | 3:55III. Message | 9:35III. Closing Statement and Prayer | 37:14Life Group Scripture Memory ChallengeScripture Memory Challenge: Each week you will be given Bible verses to memorize. If you are up to the challenge, you will recite the verse to your Life Group leader. At the end of the iShare series, we will recognize those who have completed the challenge. - Memory Verses Week 1: James 4:14, Hebrews 9:27- Memory Verses Week 2: Romans 3:23, 5:8, 6:23, 10:9- Memory Verses Week 3: James 4:14, Hebrews 9:27; Romans 3:23, 5:8, 6:23, 10:9; Ephesians 2:8-9- Memory Verses Week 5: Romans 1;16Join a Life Group:Life Group Questions:1. How does Paul's testimony give you guidance?2. What are the benefits of sharing your testimony?3. Would anyone like to share their testimony?

In our current series entitled iShare, we have made it to week three. The goal is to share the gospel to all men as Christ would have us do. This week Pastor Herb encouraged believers to be bold in sharing the Gospel of Jesus Christ and has given us some basic tools to aid us in sharing. Pastor Herb Hartso III, head pastor of Antioch Bible Church invites you to join us in person. You belong here.Recording Outline:I. Pastor Connect Time | StartII. Message | 4:20III. Closing Statement | 37:11Message Outline:I. Good WorksII. Roman RoadIII. 3 CirclesLife Group Scripture Memory ChallengeScripture Memory Challenge: Each week you will be given Bible verses to memorize. If you are up to the challenge, you will recite the verse to your Life Group leader. At the end of the iShare series, we will recognize those who have completed the challenge. - Memory Verses Week 1: James 4:14, Hebrews 9:27- Memory Verses Week 2: Romans 3:23, 5:8, 6:23, 10:9- Memory Verses Week 3: James 4:14, Hebrews 9:27; Romans 3:23, 5:8, 6:23, 10:9; Ephesians 2:8-9Try New Tools: Good Works, Roman Road, 3 CirclesJoin a Life Group: www.abchurch.orgLife Group Questions:1. Why can't you get to heaven by good works?2. How do you receive the gift of eternal life?3. What are your favorite evangelism tools?

We are kicking off a new series entitled iShare. The goal is to share the gospel to all men as Christ would have us do. You may find yourself in a place where you want to understand the purpose of having a relationship with Christ, well this message is perfect for a start. This week Pastor Herb encouraged believers to be bold in sharing the Gosepel of Jesus Christ. Pastor Herb Hartso III, head pastor of Antioch Bible Church invites you to join us in person. You belong here.Recording Outline:I. Pastor Connect Time | StartII. Introduction and Prayer | 2:30III. Message | 9:25IV. Closing Statement | 44:00Message Outline:I. Seaside PlungeII. Ice-Breaking QuestionsIII. The Truth About EvangelismLife Group Scripture Memory ChallengeScripture Memory Challenge: Each week you will be given Bible verses to memorize. If you are up to the challenge, you will recite the verse to your Life Group leader. At the end of the iShare series, we will recognize those who have completed the challenge. Memory Verses Week 1: James 4:14, Hebrews 9:27Memory Verses Week 2: Romans 3:23, 5:8, 6:23, 10:9Join a Life Group: www.abchurch.orgLife Group Questions:1. Do you overthink sharing the gospel?2. Do you have a favorite question to initiate a gospel conversation?3. How can sharing the gospel change your spiritual life?

We are kicking off a new series entitled iShare. The goal is to share the gospel to all men as Christ would have us do. You may find yourself in a place where you want to understand the purpose of having a relationship with Christ, well this message is perfect for a start. Pastor Herb Hartso III, head pastor of Antioch Bible Church invites you to join us in person. You belong here.Recording Outline:I. Pastor Connect Time | StartII. Introduction and Prayer | 4:00III. Message | 5:20IV. Closing Statement | 39:00Message Outline:I. Life is ShortII. Eternal Perspective: Life on Earth is short compared to eternity.III. Death and Judgement are sure.IV. Heaven is way better than Hell.Life Group Scripture Memory ChallengeScripture Memory Challenge: Each week you will be given Bible verses to memorize. If you are up to the challenge, you will recite the verse to your Life Group leader. At the end of the iShare series, we will recognize those who have completed the challenge. Memory Verses: James 4:14, Hebrews 9:27Join a Life Group: www.abchurch.orgLife Group Questions:1. What helps you remember that life on earth is short compared to eternity?2. What do you think will be the best part about Heaven?3. What do you think will be the worst part about Hell?

Theresa Cheung is a best-selling author of many, many books and oracle cards and an expert in the fields of dreams, spirituality, intuition and the science of consciousness.  Some of her titles include: “The Dream Dictionary from A to Z,” “The Encyclopedia of Birthdays” and her latest “Empower Your Inner Psychic” (Find her books at Amazon USA: https://amzn.to/47npEWp ) Theresa is the host of the ‘White Shores' podcast sharing inspiration on personal growth and how to create the infinite life of your dreams. Listen at https://www.theresacheung.com/my-podcast/  Theresa is extra special to me as she and I SHARE the same birthday of April 8th! Go Aries!You can find out more about her and all that she is up to at  https://www.theresacheung.com *Enjoying this? Also listen to Sandra's other show on iHeartRadio and the Coast to Coast AM Network: https://bit.ly/ShadesoftheAfterlife  **Join the supportive and loving, We Don't Die Listeners Facebook group at https://www.facebook.com/groups/wedontdielisteners/  ***Would you like to be a Patron of the show? Consider donating $1 or more per episode to help operating costs of the show (I keep the show commercial-free on purpose) please visit: https://www.patreon.com/wedontdieradio or simply give at https://www.paypal.com/paypalme/SandraChamplain ****Join our free Sunday Gathering with medium demonstration, one of our upcoming medium classes, demonstrations, download past episodes (no commercials) and more at https://www.wedontdie.com/

*Note: for Part 1: https://youtu.be/MEoa4thGo0AIn the second part of this 2-part series, I dive into how I learned the business side of chocolate, which then enabled me to actually have a profitable and successful business. Learning the business side of things can often times feelsomewhat vague or confusing, and for the longest time, I would say it was myhugest struggle. By committing myself to the process, investing ina business mentor, and really staying consistent to the process, I was able totruly transform my chocolate passion into my full-time living. In this video, Ishare what I learned and how it led up to all of that. For more business knowledge, specifically for chocolatiers, check out the Choc Boss Collective: https://www.codinhachocolatementorship.com/membership To connect further:https://www.instagram.com/codinhachocolate/ To join my FREE Facebook group, Passion to Choc Biz, and bein community with other chocolatiers:https://www.facebook.com/groups/1335109586929852 Thanks so much for listening!

When your child's anger scares you, you often don't know where to turn next.Where are they learning this MEAN behavior?  Do they need a therapist?  Do they have ADHD?  WHY are they SO angry?!You've explained "we don't hit" 1,000X, so when aggressive behavior continues past age 4... you have no patience for it (understandably).  You end up walking on eggshells, trying to stay ahead of it, never knowing what might set them off next.IN THIS EPISODE, I SHARE...Why anger is so BIG in strong-willed kids3 "red flags" to consider regarding your child's angerWhat's ACTUALLY proven to stabilize and diffuse the anger in the strong-willed kids of my clients (typically from 3 outbursts/day to only 2/week!)DON'T MISS:My thoughts on whether or not empathy comes "pre-wired"/ CONNECT WITH DANIELLE //Website: parentingwholeheartedly.comIG: @parent_wholeheartedlyAPPLY: parentingwholeheartedly.com/applyFREE CONSULT: wholeheartedly.as.me/callSupport the show*FREE* MASTERCLASS: Learn how to CONFIDENTLY parent your strong-willed child WITHOUT threats, bribes or giving in altogether so you can BREAK FREE of power struggles + guilt www.parentingwholeheartedly.com/unapologeticwww.parentingwholeheartedly.com

A Mid-Season Gabfest! The Most Scandalous & Thirsty Headlines of the Week! This week Jamaal and I:  Share how Tina Turner's story made a strong impact on us and the world of music, we're in awe of her evolution as an artist. Discuss our personal spiritual awakenings and beliefs, and how those personal changes helped us to embrace a mindset of receptiveness and adaptability. Analyze Target's support of LGBTQ causes, the controversy of the #TargetBoycott, and how the conservative opposition is misappropriated.  Evaluate the role of social media and online platforms in shaping curated content and the subsequent effects on mental well-being. Maude—-Modern Intimacy is a modern sexual wellness company built on quality, simplicity, and inclusivity, they're on a mission to make intimacy better -for all people. Use our unique promo code: ALICIAE10 Get 10% off your purchases at check out.  Never run out of clothes to wear, use my link for a discount on membership for  Rent The Runway.  https://rtr.app.link/e/9FkjuPr8wzb  Help Support Alicia in building personal libraries for young readers in Houston.  DONATE

Shame lives in the darkness; in the silence - the things unsaid. Freedom is found in honesty, vulnerability, and a round of "me too!"Parents of strong-willed kids bear a heavy burden when parenting feels exhausting, relenting, challenging, frustrating, and defeating on a daily basis.   Today I break down 10 things parents are afraid to admit, and why it's 100% okay for them to feel that way.IN THIS EPISODE, I SHARE...Things that feel so cringe to say out loud but are true nonethelessThe paradox felt between the guilt of overreacting and underreactingWhat to do if you check every single boxDON'T MISS:Why you should have more compassion for yourself than you do// CONNECT WITH DANIELLE //Website: parentingwholeheartedly.comIG: @parent_wholeheartedlyAPPLY: parentingwholeheartedly.com/applyFREE CONSULT: wholeheartedly.as.me/callSupport the show*FREE* MASTERCLASS: Learn how to CONFIDENTLY parent your strong-willed child WITHOUT threats, bribes or giving in altogether so you can BREAK FREE of power struggles + guilt www.parentingwholeheartedly.com/unapologeticwww.parentingwholeheartedly.com

4 Steps. 1 Takeaway Message. Rewrite them + multiply the effectiveness of your parenting tenfold!NO Strong-Willed Child required.Worth sending to your partner!IN THIS EPISODE, I SHARE...How to flip your parenting from "typical" to "intentional"Insight into the message your child's receiving from youHow to zoom out and make sense of shifting your approach entirelyDON'T MISS:A new way of looking at the parenting you experienced as a child// CONNECT WITH DANIELLE //Website: parentingwholeheartedly.comIG: @parent_wholeheartedlyAPPLY: parentingwholeheartedly.com/applyFREE CONSULT: wholeheartedly.as.me/callSupport the show*FREE* MASTERCLASS: Learn how to CONFIDENTLY parent your strong-willed child WITHOUT threats, bribes or giving in altogether so you can BREAK FREE of power struggles + guilt www.parentingwholeheartedly.com/unapologeticwww.parentingwholeheartedly.com

Disclaimer: EVERYTHING IN THIS EPISODE IS SARCASM :)For a fun take on why some of the ways we think and act are ABSURD, I compiled 11 random ways to most definitely and without question feel like you're FAILING at parenting + motherhood.IN THIS EPISODE, I SHARE...Insight into ways you might be thinking you don't realizeHow to take the weight off your shoulders + find self-compassionNew awareness around how to shift into more helpful next stepsDON'T MISS:How to overthink everything + overload your brain :)// CONNECT WITH DANIELLE //Website: parentingwholeheartedly.comIG: @parent_wholeheartedlyAPPLY: parentingwholeheartedly.com/applyFREE CONSULT: wholeheartedly.as.me/callSupport the show*FREE* MASTERCLASS: Learn how to CONFIDENTLY parent your strong-willed child WITHOUT threats, bribes or giving in altogether so you can BREAK FREE of power struggles + guilt www.parentingwholeheartedly.com/unapologeticwww.parentingwholeheartedly.com

Every kid has meltdowns. Every parent yells. How do you know if you're on the right track?  Especially when you feel like your child's behavior might be *normal*, it's hard to know when to reach out without feeling like you're overreacting. And if you've already done a lot of work on your parenting, how can you know when something needs to change?IN THIS EPISODE, I SHARE...When to come to conclusions (and when not to)Questions to ask yourself to gain perspectiveThe most important indicator to considerDON'T MISS:How my intake process differs from other professionals// CONNECT WITH DANIELLE //Website: parentingwholeheartedly.comIG: @parent_wholeheartedlyAPPLY: parentingwholeheartedly.com/applyFREE CONSULT: wholeheartedly.as.me/callSupport the show*FREE* MASTERCLASS: Learn how to CONFIDENTLY parent your strong-willed child WITHOUT threats, bribes or giving in altogether so you can BREAK FREE of power struggles + guilt www.parentingwholeheartedly.com/unapologeticwww.parentingwholeheartedly.com

We're not talking about the obvious things here, but the innocuous ones.  The well-intentioned instincts or reactions that roll off your tongue when you're desperate for cooperation.Whether you're too kind, or too firm... after days and months of pushback, resistance, power struggles, or stand-offs... it's understandable you start to believe your child only listens when you yell.I invite you to question this belief by sharing insight into what DOES work instead.IN THIS EPISODE, I SHARE...Specific phrases that are ineffective for cultivating cooperationYour role as CEO of your family "organization"The choice you have to make going forwardDON'T MISS:How it feels if you reverse roles!// CONNECT WITH DANIELLE //Website: parentingwholeheartedly.comIG: @parent_wholeheartedlyAPPLY: parentingwholeheartedly.com/applyFREE CONSULT: wholeheartedly.as.me/callGAME CHANGER: A brand-new FREE LIVE TrainingTuesday, April 25th - 10 AM Pacific / 12 PM Central / 1 PM EasternLearn + Master THE tool that UNLOCKS Cooperation with Strong-willed kidsThis FREE Training will cover:How to use the toolWhy it works + what to do it/when it doesn'tREGISTER HERE: www.parentingwholeheartedly.com/game-changer 30-minute $47 video training to get you through the most STRESSFUL moments of parenting!- Game-changing insight- Step-by-step flowchart of how to respond- 4 Easy Mantras to remember through the bell curve of emotionsCALM BIG EMOTIONS COURSE ADD IT TO CARTSupport the show*FREE* MASTERCLASS: Learn how to CONFIDENTLY parent your strong-willed child WITHOUT threats, bribes or giving in altogether so you can BREAK FREE of power struggles + guilt www.parentingwholeheartedly.com/unapologeticwww.parentingwholeheartedly.com

885: The World Amateur Handicap Championship, aka the World Am, attracts 3,200+ players from all 50 US states and 20 countries. The 72-hole, net stroke play tournament in Myrtle Beach, S.C., from August 28-September 1, 2023, that also hosts the World's Largest 19th Hole, is now open for registration. Save $100 of the regular cost of entry if you register before March 23, 2023. Our guest is tournament Director Scott Tomasello who provides details and history of the event, now in it's 40th year. Learn more and register at PlayGolfMyrtleBeach.comThis week on Golf Smarter Mulligans #201, is #2 of 9 episodes featuring our conversations with Tony Manzoni. Tony was an amazing golf instructor who passed away in 2018. We first met him in 2009, and in the dozen or so times he was on the podcast with us, emails flooded in with more positive feedback than any other teacher featured. Tony's book, The Lost Fundamental, One Simple Move, Better Golf Forever, which was out of print when he passed away, is once again available on Amazon including Kindle format. Tony's video of the same name was also out of circulation, but can now be seen online. If you'd like to gain access please write to me directly via email GolfSmarterPodcast@Gmail.com or clicking on the Hey Fred button at golfsmarter.com. This episode is brought to you by Shopify. Sign up for a $1 per month trial period at Shopify.com/golfsmarter to take your business to the next level today. This episode is also brought to you by Healthycell. Go to heathycell.com/GOLFSMARTER and use promo code GOLFSMARTER to get 20% off your first order.Golf Smarter has been named by golfspan.com as one of the 10 Best Golf Podcasts for 2023, including being named the BEST GOLF PODCAST FOR YOUR MENTAL GAME. Check it out at https://www.golfspan.com/best-golf-podcasts.In this episode, we introduce you to our latest podcast called "In this Story....with Joanne Greene". (Fred's wife of 42 years). You'll recognize Joanne's voice because she opens each episode of both Golf Smarter and Mulligans. These are short micro essays set to music, showcasing tales and observations from her animated life. We play you the first episode called "I Share a Cigarette with Jane Fonda". Learn more about Joanne's podcasts and her soon to be released memoir at joanne-greene.com. Become a Golf Smarter Ambassador by introducing our next episode! For your effort you'll receive a choice of prizes including:A box of ODIN balls of your choice with the Golf Smarter logo. ODIN Golf is the only golf brand that sponsors and pays everyday golfers! See our custom page at odin-golf.com/pages/golfsmarter.A Glove + Glove Compartment from RedRoosterGolf.com where you can choose from a large variety of styles of gloves in 26 sizes!A private link to Tony Manzoni's video “The Lost Fundamental”.Write to GolfSmarterPodcast@gmail.com and we'll send you simple instructions and a brief script to record for the intro of the show. In addition to sharing your home course, you now have the opportunity to offer your favorite Golf Smarter lesson, episode, insight or teacher.