Podcasts about ivy league university

Capitulation Week  A major liberal law firm capitulates to Trump pressure. A major Ivy League University capitulates to Trump pressure. Zelensky capitulates to Trump pressure. In Israel, Bibi Netanyahu tries to replicate Trump pressure…and the Dems best response is yesterday's Bernie singing yesterday's song. John and Joe revisit last week. 

In this episode of the Road to Growth podcast, we are pleased to introduce you to Nicholas Devlin. Nick is a certified professional life coach and former Army Ranger with 200+ combat missions in Iraq and Afghanistan. His mission is to inspire and uplift others to embrace their greatness, love their lives and live their dreams. His core values are Freedom, Connection and Purposeful Play.   His professional pedigree also includes 15 years as a manufacturing engineer in new product development, bringing many profitable products to market, achieving an MBA from an Ivy League University, years of corporate management experience in the Medical Device industry and launching his own profitable coaching business from the ground up.   With well over 1,000 hrs of coaching entrepreneurs and corporate professionals, Nick has helped hundreds of humans break free from fear and doubt to create their big dreams, using cutting edge ‘Skills Practice Methods' he co-created with Dave Buck, a Master Certified Life Coach and CEO of Coachville.   Certified by the International Coaching Federation (ICF) and Coachville (CV), Nick is pushing the boundaries of the Human Potential Movement, while bringing a calming presence and deep wisdom from living a bold life creating his own big dreams.   From performing on stage in the Boston music scene in the early 2000's, to becoming a Special Operations Army Ranger, and ultimately a Transformational Life Coach, he has become a leading expert in human transformation and lifestyle design. Learn more and connect with Nicholas Devlin by visiting him on   Website: www.nickdevlincoaching.com Facebook : www.facebook.com/nicholas-devlin-3 Instagram: https://www.instagram.com/therealnickdevlin/ LinkedIn: https://www.linkedin.com/in/nick-devlin/ Email: nick@nickdevlincoaching.com     Be sure to follow us on Twitter: Twitter.com/to_growth on Facebook: facebook.com/Road2Growth   Subscribe to our podcast across the web: https://www.theenriquezgroup.com/blog Spotify: https://spoti.fi/2Cdmacc iTunes: https://apple.co/2F4zAcn Castbox: http://bit.ly/2F4NfQq Google Play: http://bit.ly/2TxUYQ2 Youtube: https://www.youtube.com/channel/UCKnzMRkl-PurAb32mCLCMeA?view_as=subscriber   If you are looking to be a Guest on Podcasts please click below  https://kitcaster.com/rtg/  For any San Diego Real Estate Questions Please Follow Us at web: www.TheEnriquezGroup.com Youtube: https://www.youtube.com/channel/UCKnzMRkl-PurAb32mCLCMeA or Call : 858 -345 - 7829 Recently reduced properties in San Diego County * Click **** bit.ly/3cbT65C **** Here* ************************************************************ Sponsor = www.MelodyClouds.com

Hans Toohey, former Navy helicopter pilot, traded his flight suit for a mission to revolutionize personal finance. In this episode, Hans shares how his experience at a liberal Ivy League University, Harvard Kennedy School, and his stance against the COVID-19 vaccine mandate became unexpected catalysts for questioning mainstream narratives. Hans' refusal of the vaccine mandate resulted in unfair punishment from the Navy. He was immediately grounded from flying and relegated to idle assignments for about two years. This led him to stand firm in his convictions and dive deep into unconventional financial strategies like the Infinite Banking Concept (IBC).  If you're ready to challenge the status quo, take control of your financial destiny, and explore wealth-building methods that big institutions don't want you to know about, this episode is a game-changer. Challenge the Status Quo: Don't accept conventional wisdom at face value. Actively question mainstream ideas in finance, health, and career. Seek out alternative perspectives and form your own informed opinions. Adapt To Unexpected Challenges: Hans's experience with the COVID-19 vaccine mandate demonstrates how unforeseen events can disrupt career plans. Be flexible and willing to pivot when faced with obstacles. Commit to Lifelong Learning: Never stop educating yourself. Actively seek out new information and ideas, especially those that challenge your current beliefs. Be open to changing your mind when presented with compelling evidence or theories. Take Charge of Your Finances: Don't passively follow institutional financial advice. Educate yourself about various financial strategies, including alternative ones like the Infinite Banking Concept. Make informed decisions that align with your personal goals and values, and actively manage your financial future. Got Questions? Reach out to us at info@remnantfinance.com ⁠Visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE

*Apologies for the various sound issues with this episode*  Actor, writer, director, and host Jeff Locker joins us this week and next to be just so deeply honest and delightful. Jeff came from humble beginnings and carved his way into an Ivy League University, then followed that up by becoming famous in another country. He's known Kate for a long time and it was so delightful to speak with him. 谢谢你的聆听 Also, have you considered joining us over on Patreon? We would LOVE your support. Also, please find us on IG because we're bad at social media!

Find me and the show on social media @DrWilmerLeon on X (Twitter), Instagram, and YouTube Facebook page is www.facebook.com/Drwilmerleonctd   FULL TRANSCRIPT Wilmer Leon (00:00:00): As I'm sure most of you know by now, according to Iran State Media, Iran's President Ibrahim Raisi, the country's foreign minister, Hussein Amir Abdulah, have died in a helicopter crash. There are a number of questions that this unfortunate turn of events presents. Was this simply an unfortunate accident as their helicopter traveled in dense fog along Iran's border with Azerbaijan, was the helicopter taken down? What's next for Iran? What's next for the region? Announcer (00:00:43): Connecting the dots with Dr. Wilmer Leon, where the analysis of politics, culture, and history converge. Wilmer Leon (00:00:51): Welcome to the Connecting the Dots podcast with Dr. Wilmer Leon. I'm Wilmer Leon. We have a tendency to view current events as though they occur in a vacuum, failing to understand the broader historical context in which most events take place. During each episode of this program, my guests and I have probing, provocative and in-depth discussions that connect the dots between the events and the broader historic context in which they occur. This enables you to better understand and analyze these events that impact the global village in which we live. For insight into these issues, let's go to Beirut Lebanon. Let my guest, he's an award-winning broadcaster and independent journalist based in Beirut Lebanon. He's a policy consultant with the Community Media Advocacy Center, and you can find him and his work at Free Palestine dot video. He's Laith Marouf Laith. As always, welcome back. Laith Marouf (00:01:53): Thank you for having me. It's always a pleasure to be with you. Wilmer Leon (00:01:56): So let me start with who was former president Ibrahim Raisi. The western media describes him in less than glowing terms as a religious hardliner. He's seen as a potential successor to Supreme leader Ayatollah Ali Hamani. He was a former judge and allegedly a member of what the West calls the death commission, which forcibly disappeared and traditionally executed in secret thousands of political dissidents. Those are the allegations who was former President Ibrahim Raisi. Laith Marouf (00:02:41): Well, definitely he was part of the first generation that lived the Islamic Revolution and were on the front lines during the massacres that Iraq and the West commissioned in Iran, the use of chemical weapons against Iranians paid for by the Germans and the us. So he has that credential of living that revolution, and he was a judge and the accusations that are keep on being repeated there of thousands of prisoners being executed, we're talking about the terrorists that are part of the Mujah, the MEK terrorist organization that was housed in Iraq and funded by the West and is now housed in Albania that was responsible for the killing of almost 70,000 people in Iran through their terror campaign. That includes the killing of ministers and the government officials at the time. So the accusation against him is that he crushed the vessels, the terrorists that work for the CIA, that's his accusation against him and otherwise he was a judge and very respected within the country because of this background. Actually, whatever accusation that the west has against him as a discrediting thing, in reality, it is a positive thing for his reputation in Iran because of how he defended Iran against the terrorist. (00:04:31): The hype that we saw over the last month or so in the media about Rasi being going to be the next ayatollah after Hamina steps down, that there is no truth to that in terms of any speaking of that in Iranian society or Iranian media. In fact, we should take it as an indicator of that he was going to be assassinated. There's something that say it has the Sid Hasan Astra, the Secretary General of Hezbollah after the assassination of General Soleimani in 2020 by Trump. So Sid Hasan Asra a speech. He spoke about how when the media in the West suddenly gives attention to a leader in the region out of the blue and start giving them very high stature, that is maybe true, but it's not. That's an indicator of an assassination coming and that he spoke to General Soleimani the day before he was assassinated while he was in Beirut about that and warned him as he was flying to Baghdad on a domestic flight that this is actually even more worrisome that he was on a domestic flight given all this attention. So now we see kind of the same thing happening here, all this hype being pumped about Raisi in the month before the assassination, specifically since the retaliation of Iran against the assassination of its diplomats in the Damascus. So I see it as actually an indicator that he was going to be assassinated and now that's what actually happened. Wilmer Leon (00:06:26): To your point that this was an assassination, there are a couple of things that as soon as I heard that the helicopter went down that came to mind. One was, was it taken down? Apparently there were three helicopters flying in formation and his helicopter was one of the three, and it seems as though it just dropped out of the sky. They keep talking about the terrain, they keep talking about the fog. I know some US military trained helicopter pilot certified helicopter pilots. The first thing I did was call them and ask them when you heard fog, when you heard terrain, when you heard the helicopter went down. I said, what's the first thing that came to your mind? They all said, oh, they took that thing out the sky and they said, first of all, they all said to me as certified pilots, we would never have crashed our helicopter. That just was not going to happen short of some catastrophic mechanical failure. They said, which by the way, we are trained to deal with. They told me the quality of pilots that they have in Iran that those pilots, they say this goes all the way back to when Iran was an ally of the United States during the Shaw's time and that the protocols that were in place then are many of the same protocols that they follow today. (00:08:03): So there was a lot of information opinion that they gave to me, which said, and then they even mentioned, you got to understand the MEK along that region, that Azerbaijan is an ally of Israel or that there are elements within Azerbaijan that are so connect some of those dots for me please. Are these just the opinions of Ill-informed individuals or they said for the fact that the thing dropped out the sky without it, even a mayday call indicates that something was wrong here? Laith Marouf (00:08:43): Yeah, I mean, you mentioned a lot of important things. So first off, obviously there was no made call as you said. So we don't have any information about some problem happening on the helicopter. The other is that there was two other helicopters with it and they continued to reach their target and destination and they reached it. That's the question also, why didn't they stop and fly back and look for the other helicopter? That's a big indicator that there's something wrong that happened there that is not just a regular crash. The other thing is that the Iranian government took a very long time to really show us what happened and tell us that Rasi and his companions were dead. In fact, the hours after the crash, the Minister of Internal Security told the whole world that they received two calls from survivors on the plane, on the helicopter, and later on all the way around 2:00 AM PA on time, again, the minister of internal claim that they received a call from one of the crew members on the helicopter all the way that late saying that they were hearing the ambulances or the sirens in the area. (00:10:13): So while all of this was happening, the minute the helicopter crash was announced and called a soft landing, and then it took so long, I mean, this is Iran that has satellites. This is Iran that has drones that can fly and reach Israel and hit their targets thousands of kilometers away. I thought in my mind that either from the first minute that Raisi and his team were assassinated and they're dead, and the Iranians were delaying the announcements so they can tidy up their house and prepare for the transition and think about what they want to do if there's an actual assassination or that the Iranians were hiding the fact that he was alive and they were just milking it for support. This is what I thought during the whole night as they were doing this search, and obviously for them to finally tell us they're dead, that's in me confirmed that there was an assassination. (00:11:21): None of the stories that came from the Iranian government to the media during the quote search made any sense. And so now we know they're killed. I believe the Iranian government knows that they were killed and how they were killed, and I think given the fact that the Israelis have a tendency of assassinating political leaders as retaliation for their failures on the battlefield, this is historic. Look at how even recently, look at how they assassinated Hamas leadership in Beirut because they were failing on the ground in Gaza and they failed in the battle with Iran after they targeted the embassy in Damascus and Iran landed a huge blow on them and they were not able to retaliate. So their only usual behavior is to assassinate political leaders, and that's what we saw. The question is because Netanyahu attempted last month when attacking the embassy to drag the United States into a war because he sees Israel losing the battle on the ground. (00:12:47): He sees that Israel cannot even fight Hezbollah if a bigger war starts with Lebanon. He needs the United States to be around on the battlefield with him. He wanted to drag Iran into that war with the attack on the embassy, and they didn't retaliate in a way that created a war. And now he did this to try to drag again Iran into this war. But this is not what Iran wants. Iran has a clear plan with the access of resistance that we're seeing unfold over the last seven months, which is to chisel away at Israel slowly and cook it like a frog, a live frog boiling where it collapses internally, where all this support from the world collapses externally, and there's no need for a war for this Zionist colony to collapse, but Netanyahu wants a war. So I think the Iranians are not going to admit that this is an assassination because if they admit this an assassination, they have no choice but to carpet bomb the hell out of the Zionist colony, and that would derail the plan and will take it to the stage that Netanyahu wants it. So I think they're going to just bite the bullet and continue on their set plan and will not be dragged into, it's very sad. I mean, it's very sad that this is going to be what's going to happen, but that's the only thing path forward I see. Otherwise, if Iran decides to retaliate, we're going to be in World War three immediately. Wilmer Leon (00:14:24): And I think it's important for people to understand that there's a much longer term vision here, that the axis of resistance, they have a different worldview. We know that if the situation were reversed and either if somebody had shot an Netanyahu's playing out the sky or if this had happened to Tony Blinken while he was traveling in the region, that the bombs would be exploding by now. But I think there are economic concerns here that those in the region are taking into account war. As I said to Godfather, war is messy business war is very expensive. And with their economies under sanctioned, with their now finding ways to move and operate without the sanctions to go into a war right now, whether it's the Russian economy, whether it's the Chinese economy, whether it's the Iranian economy, they don't want that economic stress on their economies. They also know that I think going into a World War which, or at least a regional conflict, would shut off oil transport through both the Red Sea and the Persian Gulf, which would then collapse the world economy. They don't want do that. I don't think I'm conflating their concern for world welfare. I think they're looking much, much longer. Am I connecting some dots here? Laith Marouf (00:16:04): Yes, yes, you definitely are. And although most of the access of resistance and China, Russia, and most of Africa and Latin America want to see an end to American imperialism, no one wants the whole world to burn in the process. Okay? It's no one's interest to have a World War. People want to clip the wings of the United States, bring it back to its natural size, and the same thing for Europe and balance humanity. There's no interest in these countries to see the United States burn and Europe become a wasteland. And so there's the difference. The difference is people in the south and the East just want the foot of America off their neck. They don't want to put their own foot on America's neck. And so we will see, as we are seeing right now, both in the battlefield in Ukraine, or what's happening around Taiwan or what's happening here right now in the Western Asia battlefield is the constant attempt by the access of resistance and others around the world to take things slow, to allow time to be the biggest weapon. Wilmer Leon (00:17:33): Hence the adage. You have the watches, we have the time. So with all of this, what's next for Iran? Laith Marouf (00:17:43): Yeah, I mean, we already know that they have to have an election within 50 days. That was announced yesterday, and the current vice president was appointed as temporary president until elections happen. Iran as a constitutional democracy will fill these positions as fast as possible, even though these individuals leave a huge gap behind them because of their knowledge and portfolios. abd Ian being the youngest foreign affairs minister of Iran's history, and because of his relations in Africa and Latin America and Rasi with the relationships that he built. So where should expect that this is going to happen this election. But look at one thing, the Israelis, at least what they got from this is at least now a distraction for the next three, five days in Iran and World News while they intensify the massacres in Gaza and in the West Bank last night, for instance, eight people were killed in Janine, so Palestinians. (00:19:06): So there's a lot that we can't really predict what's going to happen. The other thing is that it's very possible that Iran, although they don't announce that this was an assassination and that they don't put the finger on Israel, that they actually conduct clandestine actions that are in kind and something nasty happens to some Israeli official, and nobody can say who it is. So those are possibilities. But I think the most probable thing is that Iran will try to stay the course that the support fronts in Lebanon and Yemen will intensify rapidly to a different level. Wilmer Leon (00:19:49): That's my next question. What happens in the region? Laith Marouf (00:19:53): Yes. Yes. So we're already seeing an intensification even before this assassination. We had a change in the tactics on the Lebanese front with Hezbollah conducting multilayered complex operations that include drones, guided missiles, and achieving huge hits. Much of the air defenses that Israel has downing two huge surveillance balloons. One of them is the biggest in the world, this Zeppelin balloon, there's only two of them in the Zionist colony, one around the Una reactor, one in the north. And the Israelis had put this one in the north because of the destruction of all of their surveillance equipment on the border with Lebanon. So to see Hezbollah not only down these drones, but also film the after from, sorry, not only down these balloons, but also film with surveillance, drones after effect of the destruction and coming back with their images, 100% high HD 4K images of the, so we're already passed into a new stage now in Lebanon, and I expect it to only intensify. And similarly with Yemen, I think that in the next 24 hours, we will see Yemen starting to attack shipping in the Mediterranean, and that will add another sea under Yemeni sovereignty. It's not only going to be the Red Sea, the Arabian Sea, and the Indian Ocean, you'll have also the Mediterranean, and that will be the smartest thing that Iran can do with the access of resistance is to intensify the battle on these fronts without addressing the issue of the assassination of Raisi. Wilmer Leon (00:21:55): When we look at the recent dynamics, and what I mean by that is if we go back to October 7th, in fact not even that, I'm sorry. What I mean is China gets involved with the Saudis, the Saudis wind up talking to Iran. There's reproach mom between Iran and the Saudis haven't heard much from the Crown Prince Ben Salman. In all of these most recent developments, are there things coming out of Saudi Arabia that are not being reported in the West, particularly now as it relates to the death of former President Raisi? And is Bin Salman concerned about his longevity? Laith Marouf (00:22:54): I think everybody is right now worried about their longevity. We've seen the assassination attempt on the Czech president, so we saw the attempted coup, all of this within 24 hours in Congo. Again, American Israeli mercenaries trying to overthrow the president of La Congo. So we're right now entering a new stage in the global battle, not only in Western Asia, we're seeing the West do the maximum they can with the hybrid war. So it's not only a media war, it's not only a sanctions war, it's not only direct confrontations or military confrontations. We're seeing these assassinations and cos and so on, intensified by the United States and its vessel states. So the Saudis issued an official statement condolences to Iran on the assassination. In fact, all of the Gulf countries, Kuwait, Bahrain, Qatar, Emirate, Oman, Saudi, all of them send their condolences. There is three days of mourning in Lebanon, in Syria, in Iraq, in Pakistan, in India, and in Tajikistan and in Turkey. And this is things that are unheard of. Maybe it was expected as Syria or Iraq, but Lebanon and Pakistan and Turkey, this is so we can see that the whole region is worried about the results of this assassination. What does it also mean to, what are the rules of the game now? What is allowed to be done? Because if you are allowed to assassinate presidents now, this means there's no rules. Wilmer Leon (00:25:05): Lemme just quickly say to that point, that reminds me of a comment that President Putin made maybe a year ago as people were talking about, oh, is Russia going to assassinate the president of Ukraine? And Putin said, no. He said, no, no, no, we don't do that. So people need to understand that there's a, I hate to use it. There's a decorum, there's a protocol. There are certain things you're not supposed to do even in the rules of war, even in warfare, you don't assassinate the leader of your opposing country. So you are making that comment just made me think about the point that Laith Marouf (00:25:57): By the way, president Putin is on the way right now on the flight to the Harran, and he's flying with escorts of Soho 35 to the Harran, and he will be there tomorrow during the funeral procession led by the Illah. Wilmer Leon (00:26:19): What is that signal? In my mind that's huge because that's huge on a couple of fronts. One, his country is in the midst of a conflict with NATO slash the United States slash the West. So he must feel incredibly comfortable to leave as he did when he went to China in the midst of this conflict. I can leave my country. I'm not concerned about a being assassinated. I'm not concerned about something happening domestically. B, he's flying into a war zone. He's flying into a country whose president was just killed, many believe assassinated. So on a number of fronts, that to me speaks volumes. Laith Marouf (00:27:07): Yes. And there's the ICC arrest warrant Wilmer Leon (00:27:10): Against that too. Laith Marouf (00:27:11): It's the National Criminal Court. So we know that yesterday, the minute the announcement was made that the crash happened, the President Putin called in the ambassador of Iran to Moscow into almost a six hour meeting with all the heads, the intelligence military in foreign affairs of Russia. It was like a special kind of war council almost. And we don't know what happened in this meeting. So what information did Russia share with Iran? What are their points that were made in that meeting? And immediately we see this visit by President Putin being confirmed, and he's flying over the Caspian Sea directly into Iran from Russian territory to Iranian territory with the military escorts. We will clearly that this indicates a lot of things. And he's flying with him the top cater of the Russian military intelligence and foreign affairs to Iran. So there's something that's going to happen there. (00:28:34): We don't know what's the exchange that's going to happen in these meetings. And to go back to the issue of assassinations, the access of resistance members have never assassinated any Israeli leadership. Not because they can't. In fact, the only time that there was any assassination of an Israeli official is the Minister of settlements during the second in the Father in 2002 was conducted by the popular front for the liberation of Palestine in retaliation for the assassination of the leader of the PLFP AB mufa when the Israelis fired missile from a helicopter into his official office. So historically, the axis of resistance does not do assassinations like this. Why? Because number one, and this is true for Russia, by the way, number one, our enemies don't have any heroes. They only got lunatics, stupid leaders. And if you kill them, Wilmer Leon (00:29:42): You martyr them. Laith Marouf (00:29:43): You create the martyrs, right? The Israelis, Wilmer Leon (00:29:48): You inflate them to an artificial sense of value in power. Laith Marouf (00:29:56): Exactly. So there's no need to create martyrs for the Ukrainians or the Israelis. These are all goals. They should never be allowed to reach that status of martyrdom. The second issue, and this is true again for Ukraine, is because we're gifted as an axis of resistance. And Russia is gifted with the stupidest kind of enemy. Why would you want to kill Zelinsky if he's so dumb? Or Netanyahu is making so many stupid mistakes. If you kill them, maybe somebody smarter will come, you'll be even cursed. And in fact, if you look at the Israelis assassinating over and over, leaderships in the axis of resistance, every time they assassinated somebody, somebody even more cunning and more ready to fight them, gets into the position. Look at Hezbollah. Say Hasan came into his position as Secretary General after the assassination by Israel of Del Mu, the former First Secretary General of Hezbollah who was very moderate, soft spoken. And then you get sala and look at what so assassinations don't work on those two grounds. So it's a stupid thing that the Israelis did, this assassination of sei, and it's just going to bring somebody more in power. And now Iran has a president as a martyr on the path of liberation of Palestine. What glory does Iran have? No other nation lost a president in defense of Palestine, not even the Palestinian authority. You see, Wilmer Leon (00:31:49): You're laying out. That logic also goes back to some fundamental organizational constructs, as in organizations that are personality led versus organizations that are structurally led. So what I understand you to be saying is that this resistance is not based upon the personality in charge, that there is a structure here. There is an ideology here that, as we've said a number of times on a number of shows, you can't kill an ideology with a military. You can only defeat an ideology with a better ideology. And so you can assassinate all the leaders you want to, but there are people right behind them that are waiting to take charge. Laith Marouf (00:32:48): Yes, it is institutionalized. Obviously, we don't want to undermine the human factor, like a human factor is very important in all of these things. And people's personalities and connections make a difference. And so yes, these losses are always big, but because of this institutionalization, hopefully the, and because of the actual human factor, this new person that will fill, will bring new openings, new connections with them. Yes, the human factor is very important and institutionalization is as important. Wilmer Leon (00:33:28): Switching gears a bit, the ICC, the International Criminal Court is seeking arrest warrants for the leader of Hamas, Yaya Sanir, as well as the Israeli Prime Minister Benjamin Netanyahu on charges of war crimes, crimes against humanity. And it seems to be centered around the October 7th retaliation by Hamas on Israel. President Biden has denounced as outrageous the request for these warrants. Biden has said, let me be clear. Whatever this prosecutor might imply, there is no evidence none between Israel and Hamas. Biden said that this is a false equivocation. A couple of things. One, people need to understand that the ICC, the prosecutor is seeking arrest warrants. No warrants have been issued yet. I also find it interesting that they are tying all of this back to the October 7th response by the resistance as though October 7th is actually the beginning of something as opposed to the continuation of something. And then I'd like to get your take on, as I understand international law, the actions taken by Hamas on October 7th do not violate international law because Hamas is, Hamas represents the occupied, Israel is the occupier. And in international law, the occupied can do anything in its power to resist occupation. There is no right to defend oneself when you are the occupier. Laith. Maro your thoughts on that analysis? Laith Marouf (00:35:35): Yeah, I mean, I agree with everything that you said, and I would add to it, can you imagine if during the Vietnam War, Vietnam was, and the Vietnamese resistance were taken to the international criminal court and their leadership were declared terrorists for defending themself against French and American occupation, or the Algerian resistance being called terrorists at the ICC for defending themself against the massacres of the French or the French resistance against the Nazis Wilmer Leon (00:36:13): Or the A NC in South Africa Laith Marouf (00:36:15): Or the A NC? So I personally think the collaboration is Palestinian Authority on purpose launched this case at the ICC because they wanted the leadership of the resistance in Hamas to be charged with war crimes. Okay, Wilmer Leon (00:36:43): Wait a minute. Start that again because man, I never saw that one coming. Start that one again, please. Laith Marouf (00:36:52): Yes, yes. I know it's sometimes hard for people to make these connections, but you see there's never been, that's why Wilmer Leon (00:36:58): You're wrong. Connecting the dots. Laith Marouf (00:37:00): Yes. There's never been in history international criminal court case of the occupied taking their occupier into court and the occupied being charged with crimes against their occupier. And it was the Palestinian authority that pursued this case. Okay? And I think it was done on purpose by Abbas Wilmer Leon (00:37:29): Mah. Abba did this Laith Marouf (00:37:31): Mahmud, Abba and his collaborationist goons to dirty the reputation of the resistance to make their resistance equal to the crimes of the occupier. Okay? And I add to it even more the these arrest warrants against Netanyahu and Ganz, who's going to actually enforce them? No Western country will stop Netanyahu from flying over its airspace or landing on its territory, that's for sure, 100%. But you know who's going to be a target? It's a smile Nia, who's sitting in Qatar, right? SSIR and Aldi are in Gaza. The Israelis can't even kill them or assassinate them. They can't reach them, let alone try to arrest them for ICC charges. But smile, Nia, the head of Hamas in foreign political borough is now the number one target. He's probably right now running to find a place that he can hide than Qatar, because Qatar is a vessel state, and they will hand them over to the Americans at any moment. Okay? So in reality, this is one of the worst things that ever happened to the Palestinians. This ICC case, there's nothing to celebrate about it. And if you notice the limitations of this case that it only, as you said, starts October 7th, Wilmer Leon (00:39:03): They don't mention genocide, Laith Marouf (00:39:05): Okay? And not only that, the case is only for crimes inside Ga Gaza, none of the historical Palestine, west Bank, east Jerusalem, any of that will be included in this. And this is not only to protect Israel from accusations of apartheid and the settlement building that is one of the biggest war crimes possible, but also to hide the fact that all these internment camps that have been built since October 7th, were thousands of Palestinians from the Gaza Strip were abducted and sent into these Guantanamo and being tortured, raped, and killed on mass, disappeared completely, because nobody even knows that they're in this. And the fact that VE turned all the Israeli prisons into that same model, 12,000 Palestinian prisoners since October 7th, have been living in these internment camps, tortured, raped, and killed with hundreds, hundreds of testimonies of rape and torture by men, women, and children coming out of these dungeons. And if you notice the docket of these requests for arrest warrants, this house, slave Han, who is a puppet of the United States and Israel, who came as a replacement to the ICC chief prosecutor before him, who got humiliated and death threats and banned from entering the United States and so on, because she even dare thought about charges Wilmer Leon (00:40:56): Even his family was under. Yes, Laith Marouf (00:40:58): Yes. So now, what does this guy do? If you look at the charges when he's talking about Hamas crimes, he speaks of them as if they're facts that rapes happen. We have no, Wilmer Leon (00:41:17): No evidence Laith Marouf (00:41:18): Any rape that babies were killed. No evidence, no evidence killed. But when he talks about the crimes of the Zionist, Wilmer Leon (00:41:27): He uses a minute, just to that point, going back to President Putin, I remember him saying, if you have evidence of these crimes, please show the world. He was very emphatic on that point. You have made these allegations. If you have evidence, please show the world. And no matter how many times Joe Biden, no matter how many times Tony Blinken wants to talk about these atrocities, they've never even pierce Morgan. I know you saw the interview with Dr. Morandi and Pi Morgan, where Morandi just cut him a new one. He said, Pierce, where's the evidence? And Pi Morgan just kept chatting, just kept chirping. Go ahead, I'm sorry. Laith Marouf (00:42:30): Yes, yes. I mean, the evidence is like you have to take the word of the chosen people for fact. What are you antisemitic, Wilmer. You don't believe every word that comes out of a chosen person mouth. I mean, that's it. That's all evidence you need. So Wilmer Leon (00:42:48): If I was antisemitic, I wouldn't be talking to you. Laith Marouf (00:42:50): Exactly. Exactly. But we're joking about it. But truly, this guy, this sock puppet had, he went down to Israel after October 7th and sat down with the families and unquote survivors, and visited the colonies that were attacked, but refused to enter Gaza Amass, opened the door for him, invited him to come and see Joe evidence, the war crimes. He refused to go to Gaza, okay? And then now he's coming and he's writing in his docket that these crimes happened by Hamas. But when he's talking about the crimes accusations against Israel, he says reasonable grounds before every accusation he is already, you could see how tainted this case is and what is its ultimate goal. I mean, yesterday, the spokesperson for the American government, I can't remember his name, the thin white guy. He was being interviewed, sorry, asked in the question period about this issue, and the guy claimed that the Palestinians have no right to go to the ICC and that their only courts that have jurisdiction are Israeli or American courts. He wants the Palestinians to come and beg at American courts, which even shows you how Israel is a colony, a vessel of the United States. But yes, this is where Wilmer Leon (00:44:32): Matthew Miller, Laith Marouf (00:44:35): Yes, Matthew Pillar, and people call him Matthew Killer. Yes, Wilmer Leon (00:44:38): Right. Matthew Miller. Laith Marouf (00:44:39): Yeah, yeah, yeah. Wilmer Leon (00:44:42): So I'm sorry, I interrupted you. You're saying he was saying that they need to come to American courts? Laith Marouf (00:44:47): Yes. That they have no right to go to the ICC, and the only place that has jurisdiction is the US or Israel over crimes in Gaza, Wilmer Leon (00:45:00): Which is also very telling in that the United States is not as signatory to the ICC, but seems to want to either use it when it's convenient or condemn it when it's convenient. But in fact, excuse me, there's a standing American law, and people can look this up, that if an American is brought before the Hague, the United States reserves the right to invade it. I might even be called the Hague Invasion Act. I'm drawing a blank on the name, but people, folks, you need to look this up. The United States has a standing American law saying, we will invade the Hague if an American is arrested and held accountable for crime. Laith Marouf (00:45:59): Yes, it's ally known as the Hague Invasion Act. And in fact, if you look at the ICC record, 42 out of the 42 people that were convicted of crimes at the ICC were African African leaders, and then add to it that the charges against President Putin. So this ICC is the most captured, un affiliated organism captured by the West, along with the International Atomic Energy Organization and the Chemical and Weapons Organization. These are the least trusted three organs of the un. And we're seeing, I believe these indictments, or if there is an arrest warrant issued, I mean, I don't see anything good coming to the Palestinians from this. Wilmer Leon (00:47:08): Wow. That's a perspective and a level of analysis that I did not see coming. But what you're saying makes sense. Bring us up to date, please on what's happening in Rafa. According to the new Arab, there are by 1.4 million Palestinians there. And that around the 7th of May, they were told that they had to leave. And the number I see is about 80,000 people have fled, but there's, I guess a slow boiling Israeli incursion into the area. What's going on in Rafa now? Laith Marouf (00:48:02): Yeah, I mean, the Israelis are doing what they call belts, fire belts. It's like bombardment from the land, from the sea, from the air on straight lines, and then going next straight line and so on. This is what they've been doing since last week. They haven't yet attempted invading Rafa. They have been stuck in Jabal since last week in the longest and fiercest battle on the ground of Gaza since the beginning of the war. The Israelis lost, according to their own media, at least 10 officers there. That includes a field general, the highest ranking military officer on the field of any army, and along with all his commanders. So we've seen the videos come out from this Jabali battle every day, two or three videos coming out from Hamas, Islamic Jihad and others that showed us tens of Israeli tanks destroyed APCs and bulldozers. So they're receiving a beating, a whipping in the battlefield of Jabal. (00:49:21): So I don't think they're going to invade RA anytime soon. They'll continue bombing from the air. But this has also happened at the same time as yesterday or the day before the Americans finished building the pier, right? Right. And we already now have images of this spear with American air defenses, radars and tanks and ABCs waiting in the landing ships. So clearly the sphere is not about delivering any aid, and it's definitely not about the mass expulsion of Palestinians. This is an invasion, beachfront landing zone in the case of total collapse of the Israeli military on the battlefield. And that's what we are seeing right now happening. Wilmer Leon (00:50:11): And is it a coincidence or should we connect dots that the pier was completed right around the same time that it was announced that, what was it, 1.2 billion more of weaponry has been approved. And so is that a coincidence or am I wrong to connect these dots? Laith Marouf (00:50:34): No, it's not a coincidence. It's also not a coincidence that it was finished the day they assassinated rasi. You see, all of these are time things. It's same thing. It's not a coincidence that the sock puppet Han announced the ICC arrest warrants at the same day of the assassination. So all of this is clearly timed together, and we now saw in the last 48 hours, the cards of the West put on the table, have opened. Now their hand, they just opened their hand with these three moves. The Wilmer Leon (00:51:15): But wait a minute, president Biden is calling for a ceasefire. How can this be true? Laith Maro, when President Biden, when he was at Morehouse giving his commencement address, he's calling for a cease fire. Help me understand this, because obviously you didn't hear him. And so now that you understand, Joe Biden wants to cease fire, how can everything that you've just said be true? Laith Marouf (00:51:44): Isn't it one of the most disgusting things that Biden could do is to lie to the black students and the administration of the university say that he will not use their black faces in his promotional materials for his election? That was one of the conditions to allow him to speak to the students who were going to demonstrate. But because their administration found a middle ground and told them, okay, you can demonstrate without, Wilmer Leon (00:52:15): Don't make any noise, shut Laith Marouf (00:52:16): Down, don't make any noise, and so on. And this guy is not going to use your faces for his election. And now he goes around and immediately, immediately releases a promotional video of using these students to try to get sympathy from the black communities in America. This is, and obviously anybody that believes American leaders should go and ask the indigenous people about all the treaties and their promises. I mean, there's 400 years of record of broken promises and broken treaties. There's not one treaty I think the United States ever abided by with anyone. Have Wilmer Leon (00:53:04): You seen this Washington Post article from last week? The Washington Post reported about a WhatsApp chat stream where New York mayor Eric Adams was chatting with a number of American multimillion and billionaires, such as the former founder of Starbucks and the CEO of Dell and a number of other financiers where they were demanding that Eric Adams send the NYPD into Columbia University. They offered campaign contributions, they offered to fund private investigators to look into the students. And he is now, of course, denying that this took place. But the Washington Post has the transcript of the WhatsApp communications, and they named these individuals by name. And it seems as though their whole concern or motivation behind this is they're losing control of the narrative. Your thoughts, lath maus. Laith Marouf (00:54:21): Yeah. I mean, it's 100% a fact that this happened. No matter what the mayor says, who was another sock puppet? And if me and you have enough money, we can buy American politicians if we want to. They're very cheap. They'll sell you their mamas if you have enough money. Okay? So it's not a surprise. It's actually great that it got leaked, and I'm sure the Washington Post only published it because it was going to be all around the internet anyways, and they needed to have a scoop to stay on top of the story. But this is the truth. The political class and the economic elite are abusing the police in the United States, abusing the power they have over the police, forcing the police to become political police, to suppress the students and the communities that are demonstrating for the liberation of Palestine. I mean, I watched these images over the weekend. The beatings that the NYPD was giving to these youth was, I mean, very similar to who Wilmer Leon (00:55:36): Were peacefully protesting, Laith Marouf (00:55:37): Peacefully protesting, being jumped and taken to the ground and punching women in the face while having your legs on their necks. I mean, it is very similar to how they treat on a daily basis, the black community, specifically black men. But now we're seeing it on a daily scale of people not being accused of any crime or just speaking out or demonstrating. And that's what was happening to the black community in the sixties and the seventies and or the Black Lives Matter movement during the Obama years. Now we are gearing up to this summer of discontent all across the west as these youth finished their exams in the universities and pour into the streets. And we should expect maximum suppression from the political class, and they will be abusing the police to do so because they can't use the courts. Look, in Canada, there's been now two court cases where Zionist students went to court to try to force the police to remove a student encampment from McGill University in Montreal. (00:57:01): McGill University is the Ivy League University in Canada, and they lost. The judge said, no, the students have a right. And then the university administration itself appealed and went to the court to also asked the court to tell the police to remove the students. And again, the court said no. And therefore, this is what's happening. The Zionists in Canada were stupid enough to think that they can win this in court. They thought like, oh, we have all the media, we have all the politicians. We can rip apart the Bill of Rights in Canada. But the Zionists in the United States are a little bit smarter. They know that if they go to court First Amendment, they cannot remove these students. Therefore, they skipped all the legal process and went immediately into abusing their access to power by moving the police, setting them like dogs on the students. Wilmer Leon (00:58:03): Laith Maro, my brother. As always, I got to thank you for joining me today. And let me reiterate to folks that they need to go to Free Palestine video. Go to Free Palestine video. You can see if you could quickly just explain to the audience what you're doing there on the ground, real time in Beirut with free Palestine video. Laith Marouf (00:58:33): So yeah, as a volunteer community television, we're teaching youth and students to produce content in English. We're also doing everyday almost reporting from the south of Lebanon, from the Warfront exclusive coverage of what's happening there, interviews of people on the ground. And we're doing weekly episode of a special show called Wartime Cafe with the biggest intellectual and political leaders in Lebanon in English. Last time, the last episode of wartime Cafe was with Ibrahim Al Mu, who is a member of Parliament, but also the former spokesperson for Hezbollah. He hasn't spoken in English media for a long time. So this is the kind of content that you will get. Please support us donations. We need membership. If there's possible, so people subscribe for monthly donation, that will be amazing. And you can add on our website, free pass. Send the video. You have the links to all our socials, so Twitter, telegram, Instagram, YouTube, brumble. Please watch the content and help us through donations. Wilmer Leon (00:59:49): My brother, my dear brother, lathe Maru, thank you so much for joining me today. Laith Marouf (00:59:54): Thank you for having me. Wilmer Leon (00:59:56): Look forward to having you back. Folks. Thank you all so much for listening to the Connecting the Dots podcast with me, Dr. Wimer Leon. Stay tuned for new episodes every week. Also, please follow and subscribe. Please leave a review, share the show, and you can follow us on social media. You'll find all the links below to the show description, contribute to this effort if you can. Nothing is too small and we know nothing is too large. We greatly, greatly appreciate the contributions that are helping to keep this program on the air. Remember, this is where the analysis of politics, culture, and history converge because talk without analysis is just chatter, and we don't chatter here on connecting the dots. See you again next time. Until then, I'm Dr. Wilmer Leon. Have a great one. Peace. I'm out Announcer (01:00:59): Connecting the dots with Dr. Wilmer Leon, where the analysis of politics, culture, and history converge.

Read more on the Fox Business article referenced with regard to Columbia's response to Patriots owner Robert Kraft pulling plug on his donations to the Ivy League University. Article written by Greg Norman: https://www.foxbusiness.com/ec...

Discover a story of resilience and determination that will inspire you to pursue your dreams. Listen to the latest episode of the Corporate Cafecito podcast hosted by Nallely Suarez Gass, featuring architect Araceli Garza. Araceli's unwavering dedication and commitment to excellence allowed her to overcome challenges and pursue her passion for architecture. Araceli's journey is a testament to the power of perseverance and staying true to your goals. She shares her experience of studying away from her family and community in Chicago and how she remained focused and committed to her goals. Her inspiring educational journey, including studying at an Ivy League University, showcases the incredible achievements that can be accomplished through hard work and dedication.Don't miss the opportunity to learn from Araceli's fantastic story; tune in to the Corporate Cafecito podcast now for an inspiring dose of motivation. And if you want to learn more about us, visit our website at www.corpcafecito.com. For Araceli's website and to contact her, please visit www.obrabuilds.com. Araceli's journey is a story and a lesson in resilience and determination that can empower us all to pursue our dreams.If you would like to join the members of Corporate Cafecito to enjoy a Cafecito with the team or suggest a topic for them to cover, please visit www.corpcafecito.com/contact-us.Feel free to reach out via email:admin@corpcafecito.comFor individual coaching or workshops for you and your team, visit www.elevardevelopment.com or email admin@elevardevelopment.com for more details.

NXT Vengeance Day steht vor der Tür. Ilja Dragunov wird von Trick Williams herausgefordert und Roxanne Perez hätte gerne den Titel von Lyra Valkyria. Aber wird es dann noch unsere Chase U geben? Hier helfen offenbar noch sekundäre weibliche Geschlechtsmerkmale (Titten), um den Schuldenberg der einstigen Ivy-League-University abzubauen. Hört in unseren neuen NXT Talk für sämtliche Details und alles zu Ava als General Managerin. Marcel Weber: Er ist einer der Köpfe hinter den    Videos von PerkkiXWWE und arbeitet  seit Jahren als Autor. Das   Wrestling  begleitet ihn schon viele  Jahrzehnte bis heute ist er  treu  geblieben  und macht das beste aus  dem ...Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen? Dann schaue auf www.kostenlos-hosten.de und informiere dich. Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.Gern unterstützen wir dich bei deiner Podcast-Produktion.+++Werbung+++ Jetzt im neuen Jahr besser füttern mit biologisch artgerechtem Rohfutter von BARFER'S. Für Deinen Hund oder Deine Katze mit 10 % Rabatt mit dem Gutscheincode „PODCAST10“. https://www.barfers-wellfood.de/

NXT Vengeance Day steht vor der Tür. Ilja Dragunov wird von Trick Williams herausgefordert und Roxanne Perez hätte gerne den Titel von Lyra Valkyria. Aber wird es dann noch unsere Chase U geben? Hier helfen offenbar noch sekundäre weibliche Geschlechtsmerkmale (Titten), um den Schuldenberg der einstigen Ivy-League-University abzubauen. Hört in unseren neuen NXT Talk für sämtliche Details und alles zu Ava als General Managerin. Marcel Weber: Er ist einer der Köpfe hinter den    Videos von PerkkiXWWE und arbeitet  seit Jahren als Autor. Das   Wrestling  begleitet ihn schon viele  Jahrzehnte bis heute ist er  treu  geblieben  und macht das beste aus  dem ...Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen? Dann schaue auf www.kostenlos-hosten.de und informiere dich. Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.Gern unterstützen wir dich bei deiner Podcast-Produktion.+++Werbung+++ Jetzt im neuen Jahr besser füttern mit biologisch artgerechtem Rohfutter von BARFER'S. Für Deinen Hund oder Deine Katze mit 10 % Rabatt mit dem Gutscheincode „PODCAST10“. https://www.barfers-wellfood.de/

On today's podcast: 1) The Palestinian Authority is working with US officials on a plan to run Gaza after the ongoing war is over, with one of its top leaders arguing that Israel's aim to fully defeat Hamas is unrealistic and the militant group should instead join it under a new governing structure. 2) President Joe Biden's son Hunter was indicted on nine federal tax charges in a development that will become a political headache for the White House and Democrats as the 2024 campaign ramps up. 3) Treasury yields rose as traders pared expectations for the Federal Reserve to ease monetary policy aggressively next year after a better-than-forecast jobs report. Full Transcript: Good morning. I'm Nathan Hager and I'm Amy Morris. Here are the stories we're following today. This morning, we are learning the Palestinian authority is working with the US on a plan to run Gaza after the fighting ends. Palestinian Prime Minister Mohammad stay I spoke with Bloomberg News. He says his preferred outcome would be to include Hamas as a junior partner in a post war administration, if they are ready to come to ground, to an agreement and really accept the political platform of the PLO, accept the tools of struggle because this is an important point of difference between us and them, and then there will be a room for talk. Otherwise it's just simply things will continue to be the same. Prime Minister Mohammad Staya also tells Bloomberg he does not believe Hamas can be eradicated by Israel. His comments are at odds with the stated aim of Israel's military campaign to wipe out the militant group following the deadly October seventh terrorist attack. The war in Gaza so far has killed more than sixteen thousand Palestinians. That's according to the Hamas run Health Ministry. Now the major legal news breaking overnight in the US that could be a new political headache for President Biden. The president's son Hunter has been indicted on nine new federal tax charges in Los Angeles. That's on top of the federal gun charges he's facing in Delaware. We get more from Bloomberg's David Voriakis. It expands on an earlier agreement in which he would have pleaded guilty in federal court in Delaware and in July and avoided prison. Under this indictment, he could theoretically be sentenced to as much as seventeen years in prison. What government alleges is, I will quote, the defendants spent this money on drugs, escorts and girlfriends, luxury hotels and rental properties, exotic cars, clothing, and other items of a personal nature. In short, everything by his taxi. Bloomberg's David Voriaki says. These new charges come as House Republicans plan to vote next week on formalizing their impeachment inquiry into President. By this latest indictment against Hunter, Biden does not offer evidence that the President benefited from or was involved in his son's activities. Also in the twenty twenty four election, Amy Republican Ron DeSantis's campaign is dealing with more disappointing news, as Bloomberg said, Baxter reports a fundraising event for the Florida governor tend to be canceled. About three thousand donors were invited to a Never Back Down super Pack lunch and to be held before this week's debate. A ten thousand dollars contribution would have given donors access to the lunch where Casey Dessentis was scheduled to speak, as well as a ticket to the debate itself, and an invite to a post debate celebration with a governor. Well, just a couple of days prior to the date, Never Back Down decided to cancel. Scott Wagner, who leads the pack, cited lack of interest. In November, a similar event raised one million dollar dollar, aed Baxter, Bloomberg Radio Right, Thank You ed Elsewhere in politics, more fallout for those IVY League presidents who struggled to denounce campus anti semitism on Capitol Hill this week. The presidents of Harvard and the University of Pennsylvania have issued statements clarifying their positions, but now investment manager Ross Stevens has withdrawn a one hundred million dollar donation that he had planned to give to Pen. Those details from Bloomberg's Charlie Pellett. Stevens is co founder of stone Ridge Asset Management, and he had pledged a stake in the firm to the Ivy League University to fund the Stevens Center for Innovation in Finance. According to a letter to university officials, Lawyers representing the firm said the school had violated anti discrimination and anti harassment policies it had accepted in order to become an investor in New York. Charlie Pellett Bloomberg Radio. Okay, Charlie, thank you. Turning to markets, Investors are waiting for a critical data point this morning, the November jobs report, coming ahead of next week's FED meeting, their last of twenty twenty three. Let's get a preview from Bloomberg's Michael McKee. We should be seeing signs of a slowing economy in the labor market, but economists say not just yet. The consensus forecast is November saw the pace of hiring pick up, while unemployment was unchanged. About thirty thousand jobs won't be new, they will just reflect the return of autoworkers to pay rolls after the UAW strike, but hiring in healthcare, leisure and hospitality and government should keep healthy numbers Beyond manufacturing, markets are pricing a lower than anticipated number. However, so strength could lead to higher rates as investors worry the FED may not yet be done with rate hikes. Michael McKee, Bloomberg Radio, Mike, thank you. Turning overseas, the Japanese yen has surged over the past day. Traders betting the Bank of Japan will scrap the world's last negative interest rate regime sooner than previously thought the advance and Japanese stocks and bonds lower. At one point, the en jumped almost four percent against dollar. Checking Japanese currency right now the end at one forty four to twenty three against the dollar and elsewhere in Asia, Amy top communist leaders in China are promising to strengthen fiscal policy and boost demand while implementing a flexible and targeted monetary policy. China's state run news agency reports officials dropped the word forceful, which was included in previous policy. This came at a meeting chaired by Chinese President Shi Jinping and in corporate news. Back here in the US, the shakeup continues at Spotify. Chief financial officer Paul Vogel is departing after we'd already heard Spotify's head of marketing is heading for the exits. The streaming company announced widespread layoffs earlier this week, totally about fifteen hundred jobs. And now we'll joining us with a look at some of those other stories making news around the world. We bring in Bloomberg's Michael Barr Good Friday morning. Michael, Good morning to you. Nathan. Gunfire outside of Jewish synagogue and upstate New York. It's being investigated as a possible hate crime. Police said shots were fired outside Temple Israel in Albany just hours before the start of Honkkah. The synagogue's preschool was in session and put on lockdown. Nobody was hurt. Very angry and frustrated. Governor Kathy Hochel spoke out last night about the incident. Any act of anti Semitism is unacceptable and undermine the public safety at our synagogue. The first night of Hanukah is even more deplorable. Authorities took a twenty eight year old man in custody for allegedly firing two rounds from a shotgun. Meanwhile, the National Manora on the ellipse by the White House was also lit last night. Since the October seventh start of the Israel Hamas War, law enforcement agencies have warned of a spike in anti Semitic and Islamophobic crimes in the US. Police said gunman who killed three faculty members at the University of Nevada, Las Vegas was an unemployed professor who stuffed his waistband with ammunition before beginning the attack. Authority say sixty seven year old Anthony Polito brought a list of targets, although those shot weren't on that list. Sheriff Kevin mcmahill with the Las Vegas Metropolitan Police Polino was armed with the Taurus nine millimeter handgun. He had brought eleven magazines to the scene with him. Nine loaded magazines were found on his person after the shooting. Polito died in a shootout with police Wednesday, minutes after opening fire inside of building housing a business school. A fourth victim of visiting professor is hospitalized with life threatening injuries. The White House says it is troubled by the Senate's failure to move forward on a supplemental budget request. White House National Security Council spokesman John Kirby says time he is running out to provide more a to Ukraine in its fight against Russia. We've got a few more weeks here and then we're out of Schlitz when it comes to help in Ukraine with this kind of securities systems, so that we've been able to provide, and that's just that that should be unacceptable to everybody, Admiral Kirby says. The emergency request, which also includes funding for Israel and US border securities, being held up by a small number of Republicans demanding what President Biden describes as extreme border policies. Global news twenty four hours a day and whenever you want it with the Bloomberg News Now, I'm Michael Barr, and this is Bloomberg Gaming and Mike, we can get much more Bloomberg News right on your dashboard. The new Bloomberg Business app features Apple Car Play, Android Auto. Get all the offerings that we have on Bloomberg right in your car. Download the Bloomberg Business App from the Apple App Store or Google Plays. Presented by our sponsor Interactive Brokers, time now for the Bloomberg Sports Update, brought to you by Tri State OUTI. Good morning, John stash Hour, Good morning Nathan. When golfers began to leave the PGA Tour for the new Live Tour, John Rahm was outspoken against the idea. He said he doesn't play golf for the money, but for the love of the game. Rom just joined the Live Tour for a deal. It'll get him north of three hundred million dollars. He's ranked third in the world. The reigning Masters champ upset of the AFC Patriots was just their third win of the season, first in six weeks. They built up a twenty one to three lead midway through the second quarter went on to win in Pittsburgh twenty one to eighteen Bailey's zappy through three touchdown passes. It'll be the Pacers and Lakers tomorrow night in Las Vegas Championship game of the NBA's inaugural in season tournament. Indiana beat Milwaukee and the Lakers blew out New Orleans Islanders a seven three home win over Columbus. Devil's won two to one at Seattle. Aaron Judge was on ABC asked his reaction to the acquisition of his new teammate, Juan Soda. I'm excited. I'm excited. You know. It's he's a generational talent. You know. We gave up quite a few, you know, special pitchers in the package. But I think everybody, everybody in Pinchrofts is looking forward to having won Sodo Grissom, you know, for do all those guys, you know, and so it's going to be a fun year. GM Brian Cashman said the Yankees are in it to win it. He says signing having Soto on the team this season could help their chances of signing them to a long term deal. He's due to be a free agent. Cashman on Monday will be in California to meet with Japanese free agent picture Yashinobu Yamamoto, and the Mets also want to sign him. The Orioles have been owned by the Angelos family since nineteen ninety three of Bloomberg report that they could be for sale and in talks with billionaire and Baltimore native David rubenstaff doms dash Ellen. Bloomberg sports from coast to coast, from New York to San Francisco, Boston to Washington, DC, nationwide on Sirisxam, the Bloomberg Business app in Bloomberg dot Com. This is Bloomberg Daybreak. Good morning, I'm Nathan Hager. What comes the day after Israel's war with Hamas. The Palestinian authority says it is working with the US on a plan to run the Gaza strip after the fighting ends. One of its top leaders argues Israel's aim to fully defeat the Palestinian militant group Hamas is unrealistic. Palestinian Prime Minister Mohammad Staya says his preferred outcome would be for Hamas to become a junior partner under the Palestine Liberation Organization, helping to build a new independent state that includes the West Bank, Gaza, and East Jerusalem. Mohammed Staya spoke with Bloomberg's Ethan Branner from his office in the West Bank. Gaza is an integral part of the state of Banistlin right, and the Balestinian territory includes Gaza, West Bank and Jerusalem. So when we talk about two states, the geography of the two states is Gaza, Jerusalem and the West Bank. So this integral part of the Balistina territory should always be there is there a fear of going in after this operation by Israel that you're sort of following in on their tanks. We start a concern. We said that we are not going to go there on and Israelian militia what does it mean. It means that for us there has to be an arrangement. Our people are there and we need to put together structure and we need to put together a mechanism. This is something that we are working on with the international community in order for us to make it possible. There were there will be huge needs in terms of relief, reconstruction, to remedy the wounds, and are you ready to take that on? Not by ourselves, I mean, obviously we need international assistance, but this is your plan, your planners that the PA would when this thing ends, be the kind of vehicle for rebuilding Gaza by all means. Look, when Israel encouraged into Gaza in twenty fourteen, who did all the reconstruction, and we were still reconstructing Gaza. Most of the most of aspects of infrastructure has been actually built by the Palatina Authority, and even before the war, I should tell you that there were there under implementation a total value of eight hundred million dollars of infrastructure projects, that is and that has been under implementation by US roads, hospitals, water networks, electricity, desalination plants and so on. So we, as I told you, we never abandoned Gaza. We never left Gaza. So now any day after it should also include a package of assistance with the full engagement of the international community, because ourselves we cannot do it. A lot. The relationship between the PA and Hammas is very complicated. It's been there was after all, civil war, as you said in two thousand and seven. But the Israeli say they want to eradicate Hamas. Is that a goal that is achievable? Can you do it? First of all, you know, we tried four times or more to come to an agreement with Hamas, but it didn't work and correct and we signed four agreements. Unfortunately none of them was ever implemented by them by them, and recently we have had a dialogue in Egypt and an almen and we agreed on certain issues, we did disagree on a number of issues, and we did form a committee to keep them engaged. That was the idea, but unfortunately all these sort of things has happened, and then now things are going in a totally different direction. Now. For Israel to say that they are going to eradicate or eliminate Hamas, I don't think that's a possible goal to achieve simply because Hamas is not in Gaza only Hamas is in Libanon. Hamas in leadership, everybody knows in Kata, and they're here in the Wost Bank and so on and so forth. So what is needed really is a situation in which that Palestinian unity should be be allowed to function on very clear the bonds and agenda. We did put together certain bonds for Hamas to accept, they never accept it, including the recognition of international legitimacy, United National Resolutions, be a LO commitments and so on and so forth. We even invited Hamas to become part of the Ballistini and Balistan Liberation organ They never wanted to. Hamas wanted to take things their own way, either their way or the highway. And it seems that we are on the highway. So that is where the situation is now. As I said, whether Israel will be able to achieve what they are claiming to do, I doubt that. But on the other hand, in no way to say that you are in favor of what's happening. The suppression of Hamas ultimately needs to happen in some way if they're not going to come into the pl of if they're not going to foreswear their armed struggle and join in some international see what needs to happen with Hamas. What can you see happening? Well, I think Hamas before October seven is one thing, and Hamas after is a very good point. And so and therefore, I think if they are ready to come to ground, to an agreement and really accept the political platform of the blow, accept the tools of struggle, because this is an important point of difference between us and them, and then there will be a room for talk. Otherwise it's just simply things will continue to be the same. And even Palestinians should not be divided. We have been divided. Unfortunately, Hamas took over Gaza by force in two thousand and seven, and this should not have lasted for seventeen years. And that was the Prime Minister of the Palestinian Authority, Mohammed Staya, speaking with Bloomberg's Israel Bureau chief Ethan Bronner from his offices in the West Bank, and Ethan is here with us now from Tel Aviv. Much of that conversation, much of what we heard there from the Palestinian Prime Minister Ethan sounds so aspirational at this point in the war. What's it going to take to get those aspirations to become reality the day after? Well, hello, Nathan, I would say that it's going to take something superhuman. There is an incredible amount of bad things ahead. First, it's hard to imagine. I mean, there are several points here. One is that many people argue that when there is a massive catastrophe, it can become an opportunity. That terrible wars do lead to opportunities of rebuilding, and that is essentially what Prime Minister's style was trying to say. He's also repeating the Palestinie Authority on the Palestine Liberation Organization's main contentions of recent years about what needs to happen and why it hasn't happened, And one can understand that. I think the problem is that the Israelis are in complete disagreement. At least this Israeli government under Prime Minister Nitanya, who considers Staya and President Abbas to be unreliable partners. They do not want to see They do not imagine that Hamas could be reformed and come in. They want it destroyed. And also the idea that Hamas after October seventh and after this war will be more modern and more reformed, you know, in some ways as counterintuitive. In some ways, what happened on October seventh has been a revival for those who in the Palestine community who believe in armed struggle and who believe in confronting is remlitarily. So, you know, it's a lot of pie in the sky for a lot of people. But so is the Israeli perspective, which is that we're going to destroy Amas and start over with the technocratic leadership that's going to remind us of the UAE. So we have two very contradictory sets of goals and plans, and the US kind of lending a little bit of support to each side, and we'll see where this goes. Yeah, it points to the idea of mediation when you have this kind of massive gap, and this idea that the Palestinian Prime Minister said to you in this interview that the US is working with them on trying to bridge this divide. How invested do you see the US right now and the counteries, even with some of the hostage negotiations that have happened in recent weeks, What is the role of mediation with this kind of massive gap between the Palestinians and the Israelis. Well, let's leave the hostage negotiation and the countries on one side, because that's an immediate need with people whose lives are at stake at this moment, and that's been going on quite intensely. We can talk about it if you like later in terms of a mediation for the day after the war and what's going to be the future of some kind of state of Palestine and what's going to happen in the Holy Land. I mean, there's been mediation from day one, and it has not especially succeeded. You know. I think it's true that right this moment that Palestinian authority and the Israeli government are not in a position to sit down across the table and talk to one another. They have nothing but to contempt for one another, and so some outside help is needed. Now. I think the question is, you know, how much investment is an American government interested in putting in. It's not an easy task. It's not the only thing President Biden has on his agenda, and not just not just internationally but domestically. It's got an election coming up in a year, so it's a little hard to mention. What the United States has done has put together half a dozen people between State, NSC and White House who are talking to the Palestinian authority and the Israelis about this stuff. It's kind of an attempt to lay out a plan so that the day after doesn't come and we got nothing to talk about. We haven't planned anything, but it's a little bit of an act of academic theoretical work, because we don't know when this war will end, or how it will end, or what Gaza will look like. The Prime Minister also talked about Hamasa's presence outside Gaza and the West Bank, Lebanon and elsewhere. Is that a hint that this war could expand beyond Gaza? So I don't think that was his aim, but you're right that it could. I mean, we have his Belah bearing down from the north and from Lebanon on Israel, and there's always that enormous concern. The reason that the United States has sent to battle ship carriers with aircraft carriers to the Mediterranean to send a message to his belah. But I think also the point he was trying to make is that you know, even if you kill everybody who works for Hamas in Gaza, you still have leaders in Katar and in Beirut, so you know, and that it's some from within the fabric of Palestinian society, so that this is an unrealistic goal. He says. This is Bloomberg Daybreak Today, your morning brief on the stories making news from Wall Street to Washington and beyond. Look for us on your podcast feed by six am Eastern each morning, on Apple, Spotify, and anywhere else you get your podcasts. You can also listen live each morning starting at five am Wall Street time on Bloomberg eleven three to zero in New York, Bloomberg ninety nine to one in Washington, Bloomberg one oh six to one in Boston, and Bloomberg ninety sixty in San Francisco. Our flagship New York station is also available on your Amazon Alexa devices. Just say Alexa play Bloomberg eleven thirty plus listen coast to coast on the Bloomberg business app, SERRIUSXM, the iHeartRadio app, and on Bloomberg dot Com. I'm Nathan Hager and I'm Amy Morris. Join us again tomorrow morning for all the news you need to start your day right here on Bloomberg DaybreakSee 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Before our PA Governor-appointed public official guest joins us, I discuss how autonomous cars expect to change real estate. Richard Vague, Pennsylvania's Secretary of Banking and Securities from 2020-2023 joins us. We're in the state capital of Harrisburg, PA. We discuss America's beginnings in real estate and banking from around 1800. He tells us about the health of banks in the wake of recent failures due to higher interest rates. I ask Richard about full reserve banks vs. fractional lending banks. Great Britain prohibited colonists from owning land west of the Appalachians.  The basis of early land wealth were crops grown on the land—wheat, corn, tobacco, indigo, and rice. Mortgages around 1800 were often 50% LTV and 6% interest rates. Here in the 2020s, Richard believes that private sector debt is a larger problem than public debt. Wherever debt growth is most rapid are where the economic cracks exist. Inflation benefits the Top 10% of the economic strata. Private debt becomes unsustainable around 225% of GDP. In the US, it's currently 160%. You become insolvent when you cannot make interest-only payments. That's true for you as an individual, or a nation. If these topics interest you, check out Richard's new book, “The Paradox of Debt” at ParadoxOfDebt.com. Timestamps: America's beginnings with banking, real estate, and debt [00:00:01] Discussion on the historical influence of Pennsylvania banking on the formation of US banking, including figures like Robert Morris and Alexander Hamilton. The impact of autonomous vehicles on real estate [00:02:54] Exploration of the potential effects of autonomous vehicles on real estate, including reduced need for parking and changes in commuting patterns. The role of the Secretary of Banking and Securities in Pennsylvania [00:09:20] Insight into the responsibilities of the Secretary of Banking and Securities in Pennsylvania, including oversight of banks and consumer protections. The fractional reserve lending system [00:10:44] Explanation of how banks operate through fractional reserve lending and the possibility of full reserve banks. The origins of the US banking system and the role of Thomas Willing [00:12:06] Discussion on the founding of the US banking system and the involvement of Thomas Willing, the first banker in the United States. The land crisis of 1796-1797 and its impact on Robert Morris [00:14:14] Exploration of the financial crisis caused by land speculation and how it led to Robert Morris, a prominent figure in credit ratings, ending up in debtor's prison. The formation of the nation and its intersection with banking [00:21:50] Discussion on the short-term loans and interest rates during the formation of the United States and the role of debt in the westward expansion. Private sector debt and its growth [00:25:30] Exploration of the significant increase in private sector debt since World War II and the focus on the potential issues associated with it. Debt growth as an indicator of economic crises [00:28:23] Insight into how rapid debt growth, particularly in the private sector, can serve as a predictor of economic crises and the shortcomings of economic models that exclude debt as a factor. The paradox of debt [00:31:47] Debt creates wealth, using leverage and appreciation to generate wealth. The end game of private debt [00:33:29] When the requirement to service debt slows the economy down to near zero. Inflation profiting with real estate [00:37:42] Real estate is not just an inflation hedging vehicle, but an inflation profiting vehicle due to fixed interest rate debt and rising rents. Resources mentioned: Show Notes: GetRichEducation.com/472 Richard Vague's new book: ParadoxOfDebt.com For access to properties or free help with a GRE's Investment Coach, start here: GREmarketplace.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete episode transcript:   Speaker 1 (00:00:01) - Welcome to. I'm your host, Keith Weinhold. I'm sitting down in Pennsylvania with the governor's appointed state secretary of banking and securities. What were America's beginnings with banking, real estate and debt? Learn how this affects you as an investor today. And what does America's day of debt reckoning look like today on Get Rich Education?   Speaker 2 (00:00:28) - You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get rich education.   Speaker 1 (00:00:44) - Welcome from Harrisburg, Pennsylvania, to Harrisonburg, Virginia, and across 188 nations worldwide. I'm Keith Weinhold and you're listening to Get Rich. Education has been the Keystone state of Pennsylvania this week. In just a few minutes, you'll hear my sit down with secretary of banking and Securities for this great state of Pennsylvania from 2020 to 2023. The rather distinguished guest also sits on the Ivy League University of Pennsylvania's Board of Trustees. And before we're done, I'll be sure he understands at least one core principle here and get his opinion on that. Yeah, I visited seven US states so far here in the past month and I'll continue to visit so much of the United States.   Speaker 1 (00:01:28) - In fact, I might have done more driving this past month than at any time in my life. Now. Some people are really car people. We have this kind of car culture in the United States for some evidence that younger people aren't as interested in that is older people. I mean, some people, they get really excited about new car features or new dashboard interfaces or hybrids or EVs and charging stations. You know, none of that is really that interesting to me. However, you know, the one new car feature that I actually really care about and I'm waiting to go more mainstream. Any idea the one game changing car feature that I really can't wait to get here because it's really going to improve your quality of life. And mine and I talked about this way back in Get Rich Education Episode 13 in the year 2015 is something that is still expected to have substantial ramifications for real estate, and that feature is autonomous vehicles, also known as driverless cars. I mean, as much of the world that's automated these days and digitize, it feels like something is out of whack to have all of this technology that you have in your car today.   Speaker 1 (00:02:54) - Yet even if you're on cruise control out on Interstate 80, like I have been a lot lately, you've mostly got to keep your eyes glued to the car bumper in front of you. Yes. And the car that reliably drives itself. That's the new feature that I really want. I mean, imagine for you to be able to get some sleep or scroll your phone or I know that it sounds funny, even exercise while your car drives itself. And of course this still pretends to have a real impact on real estate. Cars will really need to be owned. It's just the subscription service that you order. A car comes to pick you up and then it drops you off where you need to go. So these cars just continue to stay in motion out there. You don't need a garage so much. And this means that cities won't need nearly as much parking. So parking lots are less important, parking garages are less important. And since you can be more productive while you're a passenger in the car drives itself, well, therefore, those neighborhoods that are say no one hour outside of the center or metro area, well, those areas won't have as much of a price discount because autonomous cars lower your time expense in commuting.   Speaker 1 (00:04:16) - But autonomous car adoption has been slower to develop than a lot of people, including me, expected. I mean, there have been a lot of experiments, But see, what happens is an experimental autonomous car crash that just makes more news than a human created car crash. And that has really slowed adoption. So yeah, I'm not so into cars. The only feature that's on the horizon that really gets me interested is winning back some of my time with autonomous cars. Hey, we have a ton of great podcast episodes lined up here at some of the most brilliant minds in the real estate and money world. Continue to join me coming up soon. Here on the show is the return of a really dynamic guest. He goes by the nickname the mad scientist of multifamily in the industry. Some call the amount of multifamily, mobile home parks self in other commercial real estate investors that have these floating interest rates, the amount of those people, it's almost insane. Higher rates are going to bring those deals down and investors will keep losing money in those deals.   Speaker 1 (00:05:27) - That's what the mad scientist of multifamily and I are going to focus on them. Yes, these people that learn how to perhaps do syndications through TikTok videos, they are losing their deals. Isn't that really is too bad because that reputation seriously that. The good operator, so we're going to sort that out for you. Then on a later episode here, one of the sharpest economic minds in the entire world joins us to discuss why the recession didn't happen as soon as he and a lot of others thought and what that means for the future of stocks and real estate and commodity prices. All of that is in the near future here on the show. But today I'm visiting my home state of Pennsylvania, where I've lived most of my life. It is the fifth most populous state, despite not being that large by area and despite the fact there are still a ton of rural areas in Pennsylvania, and of the five biggest states, Pennsylvania may very well have the deepest history. So we'll dig into some real history today.   Speaker 1 (00:06:31) - Pennsylvania banking was influential on the formation of United States banking, including that of Robert Morris. He's a pretty well known name, but he was succeeded by a better no name. Right after Robert Morse, we had Alexander Hamilton in that banking role. But yeah, Pennsylvania Robert Morris, he is known as the very financier of the American Revolutionary War. As we're about to discuss the nation's beginnings, America's formative years in land and real estate hundreds of years ago. Look, if a hundred years ago, a colonist or an early American, if he or she said this, I'm going to buy a piece of property and develop it. Okay. What do you think that meant when they said that today? If you said, I'm going to buy a piece of property and develop it, well, most people would think that you're going to build a housing development. But back then it probably meant that you were going to clear your land of trees and planted for agriculture and you're going to grow wheat or corn or tobacco.   Speaker 1 (00:07:37) - That was the discussion you were having then. What crop are you developing on your real estate? It sure wasn't. Are you going to develop apartments or condos or single family homes? That's how it might sound today. In fact, the 1790 census that shows that roughly 90% of the American population was employed in agriculture. 90%. So your real estate income was largely derived on your crop yield, which you might use to pay your debt on your land. Let's start this interview that I expect to be wide ranging as we'll take it from yesteryear up to the present day. This week's guest has served as secretary of banking and securities for the great state of Pennsylvania from 2020 to 2023. It is a cabinet level agency here in the state capital of Harrisburg. He was appointed to that position by Pennsylvania Governor Tom Wolf today. He is managing partner of Gabriel Investments as well based in Philadelphia. And today he's the author of an interesting new book. It's titled The Paradox of Debt A New Path to Prosperity Without Crisis. Welcome to Richard Vague.   Speaker 3 (00:08:53) - Thank you so much for having me.   Speaker 1 (00:08:55) - It's good to have you. For those of you listening in, the audio only vague is spelled vague. You and Richard, as Pennsylvania's secretary of banking and Securities, I know that you have various deputy secretaries that assist you. Tell me. I'm going to venture to guess that that role includes acts like the oversight of banks and various consumer protections. Are they important parts of that role?   Speaker 3 (00:09:20) - Without question. The fundamental job is looking to the safety and soundness of the banks chartered here in Pennsylvania to make sure they don't fail. And we all saw the importance of that recently. Silicon Valley bank failed in California. And I think if we'd had the caliber of examiners out in California that the folks here in Pennsylvania or that might not have happened.   Speaker 1 (00:09:44) - That's a nice compliment to those that have that oversight here in state, Richard. It sure has been interesting with interest rates actually not being historically high, but at the rate that they change and the rate that they spiked, making some things break everything else to tell us about that role with the oversight that you had of banks and consumer protections in Pennsylvania and really what everyday depositors are concerned with.   Speaker 3 (00:10:10) - Everyday depositors are concerned with getting the highest yield they can. Sure. And certainly they've been rewarded more lately than they have been over the last, let's say, ten years prior to that. But they also should be concerned about the safety and soundness of the bank they deposit with. And I think a lot of folks forgot that lesson. You know, a few years passed from a crisis and folks aren't worried about whether their bank's going to be around so much anymore. I'm really pleased to report the banks here in Pennsylvania are in really good shape.   Speaker 1 (00:10:44) - Richard, I don't even think that everyday depositors understand the fractional reserve lending institution system, which is really how most banks operate, and that is when a depositor gives the bank money or the money goes ahead and lends that out, that difference, that spread being their arbitrage, which is how they stay in business. I've got a rather interesting question, perhaps are full oil reserve banks feasible as the norm? And what I'm talking about there is banks that can't lend depositors money out and instead that bank needs to profit by charging fees to depositors.   Speaker 1 (00:11:23) - Now, I know everyone likes to get something for free, but would that be a more responsible system? Are full reserve banks feasible at all?   Speaker 3 (00:11:31) - If you did that. You know, that's something I've studied quite a bit, and that was a very active question, by the way. Yeah. In the founding of our banking system here in Pennsylvania in 1781, it's a question that's been around forever. Any economy needs to have money created in order to grow, and the banking system is what does that now. But if you banned that in the banking system, it would just have to happen somewhere else.   Speaker 1 (00:11:58) - Were there any prominent names that were involved with the setup of banking in Pennsylvania?   Speaker 3 (00:12:06) - The name that you hear the most is the guy named Robert Morris, who was the head of it was in effect, the secretary of the Treasury during the Revolutionary War. But his senior partner was the original banker in the United States, and his name was Thomas Willing in history has more or less forgotten him. And that's, by the way, the subject of my next book.   Speaker 3 (00:12:30) - I'm in the Middle of writing a biography of the origins of the US banking system and our first banker, Thomas Wells.   Speaker 1 (00:12:38) - There is a Robert Morris University in Pennsylvania, of course, and we're talking about history here, Richard. And I know that you have an excellent sense of history about the nation's beginnings in land and in real estate. Can you speak to that?   Speaker 3 (00:12:55) - The United States was all about land from the very beginning. You had massive land grants like to William Penn to found the state in the first place. But almost immediately after the founding of the country, you know, one of the reasons we had the American Revolution is because Great Britain prohibited colonists for owning land west of the Appalachian Mountains. And that was very frustrating to people like George Washington and others who had surveyed really lush pieces of land in the Ohio Valley. Immediately after the success of the revolution, the wealthy investors in America began buying millions and millions of acres towards the west, in the Ohio Valley, in Kentucky, in New York, in western Pennsylvania and the like, and got into trouble and brought the first financial crisis in US history, the land crisis of 1796 and 1797, because they were buying all that land on credit, either from the landholder, the private landholder or the the state or commonwealth that the land was in.   Speaker 3 (00:14:14) - They bought this under the presumption that the value of real estate would always go up and of course it just didn't go up fast enough. And Robert Morris to speak of someone actually ended up in debtor's prison because he overextended himself, which is somewhat ironic since he's something of a icon for credit ratings and credit prudence. And yet he was very much of a wild speculator and ended up in prison destitute.   Speaker 1 (00:14:45) - This is really interesting. Okay. And nefarious character early on in America's private real estate development, when the Appalachian mountain range in the late 1700s was deemed as the frontier to a lot of people.   Speaker 3 (00:14:59) - Absolutely. Everybody was looking west of there for the big games and the big opportunities.   Speaker 1 (00:15:06) - I mean, this is part of Manifest Destiny and the American Dream. So can you tell us more about a lot of that land in the early days west of the Appalachian Mountains? How much did the government claim is theirs and sell to private landowners on credit? And then how much were private landowners taking and were they allowed to make land claims and then sell it to someone else? Or tell us more about those early beginnings of that real estate setup?   Speaker 3 (00:15:34) - Well, that's exactly right.   Speaker 3 (00:15:35) - Most of that land was owned by the colonies, which in 1776 became states. The states own that land. The states all incurred massive debts in prosecuting the revolution itself. So by the time you get to 1783, 1787 states are deeply in debt and bondholders of state debt are not getting paid interest. And one way to alleviate that crisis was to sell land and selling it an acre here, an acre. There wasn't going to do you any good. So the states were selling land of 100,000 acre parcel a year, a million acre parcel there. Now, the guys that bought that, at first they were thinking, we'll do it, we'll develop towns, will lay out the towns, will survey them, will sell them, will attract settlers into this realm, will sell it plot buy plot to these settlers. But it was pretty clear that was a pretty slow way to make your money back. So they started looking to the wealthy in Europe and started sending brochures and agents to Europe to in essence, be able to flip their land in Early on, they were very successful at that.   Speaker 3 (00:16:54) - Guys like William Bingham, who was the richest man in America, and Robert Morris, who was one of the richest, would make, you know, 100,000 here and 100,000 there, which is tantamount to making tens of millions. Now that ended. They started doing bigger speculations. There weren't the settlers to buy it. The Europeans got a little bit smarter. You had a major national financial crisis, including, by the way, it wasn't just those Western lands. One of the biggest parts of the financial calamity was in the new town of Washington, DC, where they were moving the government, and people came in, including Robert Morris, thinking it's the seat of government where this is going to be a boomtown. And a lot of folks got into deep trouble speculating on plots in Washington DC.   Speaker 1 (00:17:42) - And if you're the listener, think that this sounds rather unorganized and free wheeling. Of course, we just need to think back a little bit earlier as to what happened when we as colonists went ahead and wrested the land away from the natives as well, of course.   Speaker 1 (00:17:57) - But yeah, Richard, you talked about some of the draw and the appeal to some of the land around Washington, D.C. there along the Potomac River. But just generally overall, in a lot of cases, this new American government, who were the land sellers trying to attract or were they trying to attract them to do, for example, was it to only and to set up a farm for agriculture or was it for trapping or what attracted people to this new land grab, if you will?   Speaker 3 (00:18:24) - The basis of wealth early on in the United States was the crops that we grew. And that obviously, first and foremost was wheat and the biggest supplier of wheat, not just in the United States, but to Europe was Pennsylvania. That's why Philadelphia became the largest city in the United States. Then just south of US and Maryland and Virginia. You had tobacco, which was our number one crop, but it was our number one export. South of that, you had indigo and rice. The further north you got, there really wasn't a lot of arable land.   Speaker 3 (00:19:03) - And that's why, you know, places like Massachusetts had to turn the manufacturing so heavily. It was really that. And fishing for cod were the only thing they could do. So, yeah, absolutely. We were a breadbasket for not just the country, but the world almost from the beginning.   Speaker 1 (00:19:21) - You talk early on about the extension of credit and how that enabled settlers to go ahead and own some of this new land? Is this sort of the early formation of long term mortgages? When did that.   Speaker 4 (00:19:35) - Occur?   Speaker 3 (00:19:36) - Well, absolutely. You know, really from well before independence. One of the problems you had is that there wasn't enough currency to really facilitate economic growth. So they began issuing paper currency in various forms. And a lot of these were very successful. This was done at the state level. And what they would do is they would create land banks. And so you would go in and take your land as a farmer. You would take it to the land bank and you could get currency up to half the value of your land and you'd pay interest on it.   Speaker 3 (00:20:14) - So it was really was a de facto mortgage, a.   Speaker 1 (00:20:18) - 50% mortgage, a.   Speaker 3 (00:20:19) - 50% mortgage, and you could spend that currency. They were well managed early on. Most of these didn't work, failed. And the first real commercial bank was Thomas Williams Bank in 1781 and Philadelphia.   Speaker 1 (00:20:35) - What were interest rates like at this time in these formative years of our nation.   Speaker 3 (00:20:40) - For bigger transactions, the range was really just 5 to 6%. It might get down to four, might get up to seven. Interest rates in the U.K. were closer to five and us, they were closer to six. There were breakdowns by a slice of an interest rate, so there wasn't an interest of 5.1% or 5.2%. And for high risk transactions, you could easily get into the same interest rate realm that some of our usurious lenders do today. Yeah, you see situations where folks in dire straits would borrow for an interest rate of 5% a month. A lot of loans in those days were very, very short term. There were the land loans that were long term.   Speaker 3 (00:21:28) - Most commercial banks made loans for 30 to 90 days, and they really were meant to bridge the period from when you, as a merchandiser bought your wholesale supplies to when you sold them as goods to the folks in your town. You could roll those loans over. But they were very short term back in those days.   Speaker 1 (00:21:50) - That is interesting. Those are really short term loans. And this is pretty parallel with what I've read around that time, that interest rates seem to be about 5%, something like that. We're talking about the formation of this nation, its beginnings in land, in real estate, and how that intersects with banking and the mortgage market and really part of the manifest destiny in the westward expansion of the United States. Yes, we are talking about a popular four letter word debt, and that word debt has only become more popular in America with consumerism here in past decades. So when Richard and I come back, we're going to talk more about debt today in the United States. In his new book, The Paradox of Debt, you can get that at Paradox of Debt.   Speaker 1 (00:22:35) - More we come back with Richard. I'm your host Keith Wayne hold you're listening to Get Rich Education. Jerry listeners can't stop talking about their service from Ridge Lending Group and MLS 42056. They have provided our tribe with more loans than anyone there truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plex. So start your prequalification and you can chat with President Charlie Ridge personally, though even deliver your custom plan for growing your real estate portfolio. Start at Ridge Lending Group. You know, I'll just tell you for the most passive part of my real estate investing personally, I put my own dollars with Freedom family Investments because their funds pay me a stream of regular cash flow in. Returns are better than a bank savings account up to 12%. Their minimums are as low as 25 K. You don't even need to be accredited. For some of them. It's all backed by real estate. And I kind of love how the tax benefit of doing this can offset capital gains in your W-2, jobs, income.   Speaker 1 (00:23:48) - And they've always given me exactly their stated return paid on time. So it's steady income, no surprises while I'm sleeping or just doing the things I love. For a little insider tip, I've invested in their power fund to get going on that text family to 668660. And this isn't a solicitation If you want to invest where I do, just go ahead and text family to 66866. This is author Jim Rickards.   Speaker 4 (00:24:22) - Listen to Get Rich Education with Keith Reinhold and Don't Quit Your Day Dream.   Speaker 1 (00:24:37) - Welcome back to Get Rich Education. We're talking with the guest that served as the secretary of banking and securities for the great state of Pennsylvania since 2020. Today, he's the author of an interesting new book. It's titled The Paradox of Debt A New Path to Prosperity Without Crisis. His name is Richard Vig. He's joining us from here in Pennsylvania, where we are together today. And Richard, I know that you have a lot of commentary about modern debt and what we can do about today's debt and how debt really seems to have expanded a lot since Nixon pegged us from the last vestige of the gold standard back in 1971.   Speaker 1 (00:25:14) - I guess really the preeminent question, Richard, is should debt be a concern? We read all these stories about unrelatable numbers, about how the United States has $33 trillion of stated public debt. What's problematic?   Speaker 3 (00:25:30) - There's a lot more private sector debt than public debt. And I think private sector debt is the area where we need to focus and where our concern needs to be. Private debt has increased since World War two from 35% of GDP to 160% of GDP. Wow. So it's almost quintupled. There's about $41 trillion worth of private sector debt. That's a bigger number than the government debt number, and that's globally as well. There's about a $150 trillion worth of private sector debt and only about $90 trillion worth of government debt.   Speaker 1 (00:26:09) - And what is private sector debt? Are we talking about automobile loans, credit card loans, student loans?   Speaker 3 (00:26:14) - It's roughly divided between business and household debt. So if we've got 40 trillion in debt, it's about 20 business and 20 households. And within both of those categories, the single biggest type of debt is real estate by far.   Speaker 3 (00:26:31) - So within household debt, it's about 20 trillion. Almost 14 trillion of that is mortgage debt. On the business side, it's about 20 trillion. About 6 trillion of that is commercial real estate debt. So there's never been a time where real estate debt, household and commercial has not been really kind of the driving force of the economy.   Speaker 1 (00:26:57) - You got public sector debt and you got private sector debt. And, you know, it's kind of funny, Richard, if someone asked me what the difference between those two is, there's a few different directions you could go. What I like to tell some people is, well, the government can just print dollars, okay? Everyday consumers in businesses, they don't have that handle. So the government can print dollars and they can call that whatever name they want to quantitative easing. Maybe they want to call it currency creation. But over here, if the individual tries to do something like that, it's called counterfeiting. So, yes, it can be more problematic. Individuals cannot print their own dollars at home.   Speaker 3 (00:27:32) - That's exactly right. And that's why private debt is the area that we should focus more on. If you think about the great financial crisis of 2008, mortgage debt in 2002 was $5 trillion. By 2007, it was $10 trillion. It had doubled in less than five years. And we all now know that was millions of mortgages that it should never have been made. That was mortgages where the individuals had no income, no job, no assets. Those were homes that stood empty for years. And in many cases, they had to get torn down.   Speaker 4 (00:28:10) - Yeah.   Speaker 3 (00:28:11) - If you want to look out for trouble, the place to look is in the private sector debt. And the way to detect it is wherever it's growing very, very rapidly, that's where you're going to have a problem.   Speaker 1 (00:28:23) - So that's therefore a way to help predict economic crises. It's debt growth or I guess you could really call it credit growth as well, right? I mean, both credit and debt are basically the same terms for the different side of a transaction wherever the growth in that is most rapid is really where the economic cracks are.   Speaker 3 (00:28:43) - That's exactly right. And the fact that the Federal Reserve did not spot that in 2005 and six is one of the great stories of our time. They build economic models that don't even include debt as a factor whatsoever. Everybody finds that very surprising. It's called the DSG model, and it models the future of the economy without taking into consideration anything about debt.   Speaker 1 (00:29:12) - Why is that excluded? Mean, I'm a bit taken aback by what you just told me. Think you can tell.   Speaker 3 (00:29:18) - It's the fact. And economists got so theoretical going back a couple of decades that they started separating out financial economy from what they call the real economy. And they just stopped studying the financial economy as kind of a secondary matter to the real economy. The real economy would be, you know, the wheat and the automobile that gets manufactured and so forth and so on. My argument is those two things are inseparable. You shouldn't and cannot consider one without the other. And that's a huge blind spot in our Orthodox economics profession.   Speaker 1 (00:30:01) - Tell us more about how what we've discussed ties in to the thesis of your book.   Speaker 1 (00:30:06) - Richard The Paradox of Debt. What's the paradox?   Speaker 3 (00:30:10) - Paradox is that debt creates wealth, but it also creates calamity. So, for example, in the pandemic, 20 through 22, government debt alone increased by $8 trillion. Household wealth increased by $30 trillion. So the money the government spends does not disappear. It actually goes into the checking accounts of households. So at the end of that three year period, households had 8 trillion more in deposits in their checking accounts. And the flood of new money had pushed up real estate and stock values. So cash in bank accounts increased by 8 trillion, and the value of real estate and stocks increased by 20 something trillion. So households were $30 trillion better off at the end of 22 than they had been at the end of 19. However, most of that, like 80% of that benefit, went to the top 10% of the population. And that's for the very simple reason that most assets, most stocks and real estate are held by the top 10%, like 65% of all the stock in real estate in the country is held by the top 10%.   Speaker 3 (00:31:32) - The bottom 60%, six 0%, only hold about 14% of the stocks in real estate. So for real estate and stock values go up, it's the most well-to-do that get the benefit.   Speaker 1 (00:31:47) - That's right. And it's really the listeners on this show that we want to help take from poor or middle class and help them understand something you said in just a couple of minutes ago, that debt creates wealth, which is a paradox to many. The title of your book is The Paradox of Debt. So here what we often do is get 75 to 80% loans on an income producing property where the rent income meets or exceeds all of the expenses. And this is creating wealth. How is that wealth generated debt? A 75 to 80% loan debt is leverage and leverage appreciation actually makes compound interest look pretty slow. So a very concrete example in a sense of the paradox of debt that we're using right here at Get Rich education. Richard.   Speaker 3 (00:32:31) - You have described something that is not just true about real estate transactions, but it's true about the economy as a whole.   Speaker 3 (00:32:40) - That's the essential analysis. Yeah. And to put some macro numbers on it, in 1980, total debt in the economy, government plus household was 125% of GDP. Today it's 260% of GDP. Yeah. Yeah. And that exact same time span, household wealth, net of debt went from 352% of GDP to 600% of GDP. Debt created. Well.   Speaker 1 (00:33:12) - Yes, those are some astonishing figures. I guess as we're winding down here, Richard, one might wonder, well, where is the ceiling? When is the day of reckoning? When do we reach a calamity? How do we know that there's too much private debt and how does that actually look?   Speaker 3 (00:33:29) - We have a chapter on that very subject in the book there. It's pretty easy to see that there's an end game on the private sector side. And right now we're at about 160% of GDP. We think that that's probably somewhere in the 225% of GDP range here in the United States when there's so much debt that the requirement to service that debt slows the economy down to near zero.   Speaker 3 (00:34:00) - On the government debt, for the very reason you suggested that limitation doesn't really exist, the government could refinance its debt in perpetuity. As we said a moment ago, that ends up in the bank accounts of households anyway. So the thing I look to and I'm concerned about is private debt. Even though if you go flip on the cable news channels, you would think the world's about to end because of our government debt.   Speaker 1 (00:34:26) - Now tell me, am I oversimplifying things here, at least with private debtors, everyday Americans, when an interest only payment on your debt exceeds your ability to service it each month? Is that the path to bankruptcy right there?   Speaker 3 (00:34:42) - You got it. And whatever you say about an individual, you can say about the economy as a whole, because GDP is really just the sum of the individuals and businesses in the US. So if all the individuals and businesses are approaching this, the circumstance you just described, economy is not going to grow well there.   Speaker 1 (00:35:03) - Any last things that you would like to tell us about you very well received book because again, it's called The Paradox of Debt in the subtitle is A New Path to Prosperity Without Crisis.   Speaker 3 (00:35:14) - We cover the same material for the other six largest countries in the world. So if you read the book, you're not just going to learn about the US, you're going to learn about China, Japan, Germany, France, England and India. And I think it gives you the kind of fulsome grounding you need to better understand the news stories that we get such a barrage of every day.   Speaker 1 (00:35:38) - That's right. We need a frame of reference and putting our own more domestic debt into perspective here. Well, Richard, if someone wants to get a hold of the book, remind them of how they can best do that.   Speaker 3 (00:35:49) - Thank you so much. Go to Paradox of Debt or go to Amazon or Barnes and Noble and just search for that and it'll be right there.   Speaker 1 (00:35:58) - Oh, Richard, you've helped expand our debt mindset somewhat here on the show today. It's been great having you here.   Speaker 3 (00:36:05) - It's been such a privilege. Thank you for having me.   Speaker 1 (00:36:14) - A lot of interesting history with Richard Vig today, this great state of Pennsylvania's secretary of banking and securities.   Speaker 1 (00:36:20) - One concept that really hasn't changed throughout history that we discussed there is that inflation mostly benefits those at the top. Again, check out Richard's book at Paradox of debt.com. But yes, real estate, it is still known as an inflation hedge. You still hear that term thrown around a lot but I really try to use a different term not hedge I don't like hedge. Okay. In the investing world, the word hedge means something that you do to offset risks. I don't like that word used with real estate. So therefore, the word hedge that really correlates with a defensive strategy. I mean, hedge, that's probably a better term for gold. Gold is a hedge against inflation. That makes sense to me. But where I draw the distinction is that investment property bought with a loan is not merely a hedge against inflation. That's why when I coined the real estate pays five ways back in 2015, the fifth benefit, it's not called inflation hedging. It is called inflation profiting. Now, if you're only looking at the overall capital price of your real estate, even your own home, well then it's dollar denominated price alone.   Speaker 1 (00:37:42) - Well, that could be a hedge against inflation. But that's only the beginning, because when you get the fixed interest rate debt with it, now you're profiting because inflation debases your debt while the tenant makes all of the payments. And then as your rents rise with inflation, the reason that your monthly profit, your cash flow rises faster than inflation is, of course, due to the fact that your principal and interest payment stays fixed and feels really low over time. That's the inflation Triple Crown that I just described right there. And that's why when you buy investment property, REIT real estate is not just an inflation hedging vehicle, it is an inflation profiting vehicle. And today real estate isn't just scarce. It is still about 60% below the needed supply. And then amidst that, within that, single family homes are even more scarce. And then entry level homes that make the best rentals are even more scarce than that. But here on the show, we connect you with those builders and providers that are making the most in-demand properties available.   Speaker 1 (00:38:59) - Oftentimes these single family homes that are entry level. So therefore, in this environment, if you can get a hold of those, you are going to own a scarce asset that everyone wants. That's what we help you do here. But mortgage rates have been a hindrance for adding investments. But with our referral network here, we have largely solved that problem for you. We have providers that offer 5.75% mortgage rates because they buy down your rate for you less. We're going to show you've heard how a Marketplace income property provider is offering an astounding 4.75% mortgage rate. And although it has some shortcomings, there are also 2.99% seller financed investment properties that you can tie up. Yes. Today. So profit from a scarce asset that everyone wants and benefits from higher inflation. And today it really tilts toward you, often giving more consideration to new build properties because builders, they're the ones that are aggressively buying down your rate for you today. And new builds also have lower insurance rates last year. To make it easier for you, we started our free investment coaching service so contact your investment coach to help get you started.   Speaker 1 (00:40:19) - Some of our more popular markets lately are in Ohio, Indiana, Missouri, Tennessee, Alabama, Florida, Georgia in summer. So whether you like to connect with the provider on your own, if that's what you like to do or if you don't, you can then just utilize our service free of charge investment coaching. You can do all of that at GREmarketplace.com thanks to Richard Vague today until next week I'm your host Keith Weinhold. Don't quit your daydream!   Speaker 5 (00:40:57) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Speaker 1 (00:41:25) - The preceding program was brought to you by your home for wealth building. Get rich education.    

At age 20, you're actually happy to trade your time for money.  At 30, many have realized that they don't want to work at their job for the rest of their lives.  At 40, if you have collected things that pay you to own them, you're financially-free. Instead, by age 50, corporate ladder-climbers often realize that their ladder was leaning up against the wrong building. Most people play the wrong financial game all their life. You want to get financially-free first. You can get debt-free later. “The Debt Decamillionaire” concept is revisited. Learn how to get 4.75% mortgage rates for Florida income property with what is known as a “builder-forward commitment”. Start here.  What about hotly spiking Florida property insurance? We discuss how premiums have been kept in-check with post-2004 built property and more. Expect $3,200 rents on a new-build $474K duplex with 4.75% mortgage rates in Southwest Florida. SFRs are available too. Start here.  There's free PM for the first year too.  Resources mentioned: Show Notes: GetRichEducation.com/471 4.75% mortgages in Florida: GREmarketplace.com/Southeast If you'd like help with one of  GRE's Investment Coaches (free), start here: GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com GRE Free Investment Coaching: GREmarketplace.com/Coach Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Monologue transcript:   Welcome to GRE! I'm your host, Keith Weinhold. Financially, you need to play a game worth winning. It's not about being debt-free. Instead, I discuss how at each age-when you're 20, 30, 40, 50 and beyond, it's about being financially-free.   Then, in an era where mortgage rates are 7 to 8%, we go straight to the source, in Florida, on how to get 4¾% mortgage rates on new-build property. Today, on Get Rich Education. ___________   Welcome to GRE! From Framingham, MA to Dillingham, AK and across 188 nations worldwide, yeah, you & I are back together here on Episode 471 of Get Rich Education. I'm your host, Keith Weinhold.    You've got to play a game worth winning - with your personal finances. Most play the wrong game.    Now, you're already initiated on this. Debt-free just means that you don't owe anyone anything. FF means that you've got enough passive income that you can do what you want to do, when you want to do it. FF is the flex.   Now, when you're around age 20 - you might be new to full-time employment.  And you know what, it actually can feel kinda good when you're in your early twenties are you're being paid what feels like a respectable income for the first time in your life.   Now, ten years go by, and by the time that you're 30, you know, I think that a lot of work-a-day job types - you might tell yourself, ya know, making money is alright at this point. But I really don't want to do this for the rest of life.   Maybe around age 30, you pursue alternative avenues of more RESIDUAL income.    But some people just keep plowing ahead hating big chunks of their life and devoting energy at a full-time job, because somehow, you feel like you HAVE to.   Others, though it's a minority, it's you. Because, instead, maybe around age 30, you tell yourself that you'd rather start building things that pay you to own them.   The mindset supersedes the grindset.   And by age 40, you're out. You're out of that soul-sucking job and you're living that life that you've always dreamed of living already. It sure could happen earlier.   And by age 50, you're so glad that you chose the financially free financial track in life - rather than the debt-free track.   Back on the slow, scarce debt-free track - the people that mistakenly think that debt-free is the game worth winning - they're still losing their zero-sum, non-replenishable resource of time in their 30s and 40s and 50s and 60s and maybe 70s.    Perhaps somewhere around 30, abundantly-minded, aware people like you developed your divergent, not-running-with-the-herd FF path instead.    You believe that money is an abundant resource - because you start having it all around you.    You built a financial windfall for yourself with simultaneous RE cash flow, leverage, and arbitrage while you're young enough to enjoy it.   Instead, the “work at a soulless job” type tries to get debt-free, climb the corporate ladder, and believes that money is a scarce resource (which is why they think they need to be debt-free). They defer their life and get eaten up by inflation and zero passive cash flow.   THAT person, by age 50, is asking themselves where all the time went. It went to a job that you're not passionate about - and you can't change history. All those time chapters of your life… are… gone.    And you begin to realize that the corporate ladder that you climbed… was leaning up against the wronggggg building for decades.   Those are two paths of those in their productive working years - the “there's never enough” debt-free world vs. the “money is abundant” FF world.   If you retire debt, like paying off a mortgage early, all those dollars are gone, when they could have been leveraging, say, 5 properties at once.   Now, if you're late to realize this, like you didn't have the FF epiphany by 30 or whatever. It's not too late.   You'll remember that in recent months here, we had two GRE listeners come on the show for two different episodes - Scott Saunders and then Shawn Finnegan.    Shawn - you might remember that was the inventor of a home gym system - he didn't hear this show & start until he was 52 and he's gotten to his first $2,000 of passive cash flow fairly quickly.    FF beats DF. And FF is the game worth winning.   Retiring debt early means your dollars can't be employed in true wealth-building activities.    Now, look. You might call me old-fashioned on this. But I like the integrity of doing what I say that I'm going to do, following through, and following up.   We check back at the end of the year to see how GRE's housing price appreciation forecast from the previous year actually went.   Back in January, we had the return of an agricultural RE principal where the cash flows DIDN'T hit what were targeteded, so we followed through and discussed why THAT happened.   And now…   You might remember that a few years ago, here on the show, I introduced you to the novel concept of being the Debt Decamillionaire.    That means that you've achieved $10M in debt - which doesn't sound like an achievement to most people. That's the Debt Decamillionaire. I recommended this as a desirable path for you - though many could deem it iconoclastic or even heretical.    If the only thing that I knew about you is that, say, you had $10M in real estate debt, I'd know that the chances are good that you're a financial WINNER.    Yep, it's actually unlikely that $10M in debt would make you a loser.   Not only would you have to be creditworthy to even get $10M of debt… just think about if you would have tied up that much debt, say, five years ago.   Well, how has it actually gone for the person with $10M in income property debt over the past 5 years?    We've had perhaps… 25% cumulative inflation since then - with higher wages, prices, salaries, and rents.   So then, your $10M debt is whittled down to just $7½M of inflation-adjusted debt.    So inflation passively beat down your debt for you, plus your tenants would have paid it down to somewhere below $7M.   So now, you'd be $3M wealthier, just off the debt debasement alone.    Meanwhile, over on the asset side, your property value that you borrowed against might have gone from something like $12M up to $18M… and all   While it created ALL that leverage plus some cash flow and tax benefit for you at the same time.   If you only managed to tie up $1M in investment property debt, then just take 10% of all those numbers.    And pat yourself on the back for being a debt MILLIONAIRE. Ha! Not Debt Decamillionaire.   Instead, high inflation made the debt-free approach hurt - really sting over the last five years. The opportunity lost!   DF is playing small ball, saying money is a scarce resource, and it even correlates more with people being addicted to a paycheck.    There's a benefit to a paycheck. But is the trade-off worse? Paycheck dependence is like you being addicted to a TIME thief.    That is, unless you get an unusually extraordinary amount of meaning from your work. In that case, great.    Now, a high interest rate environment could narrow the gap between how much better FF is than DF. But we're not in one of those. We're in a historically average interest rate environment.   But in just a few minutes here, we'll bring in a prominent American homebuilder of BTR homes that'll tell you how to still get mortgage rates as low as 4¾%.    In fact, the time in the market cycle is really right for talking about this. You'll remember that last month, Housing Intelligence Analyst Rick Sharga & I discussed why today's market is a good opportunity for residential REIs.   It's a bad market for primary residence HBs It's a bad market for flippers   It's a bad market for real estate agents - with lower sales volume.   And it's a… decent market for many homebuilders.    I am in Chicago today.    Next week, I'll be in - my home state - the Keystone State of PA. I'll Sit down with Richard Vague, the Secretary of Banking and Securities for the great Commonwealth of PA from 2020 to 2023, there in the state capital, Harrisburg.    It is a cabinet-level agency.   He was appointed to that position by PA's Governor. He also sits on the Ivy League University of Pennsylvania Board of Trustees.   I'll be sure he understands some core GRE principles here and get HIS opinion on those. That should be a really interesting episode next week. I don't know what kind of turn that's going to take.   To review what you're learned so far, I think you already know that FF beats DF.    Rushing to be debt-free exacts an opportunity cost on you. It postpones what you really want - Financial Freedom… and once you get FF, if you do desire to be debt-free then, hey, great!    Let's discuss how to get lower Florida insurance premiums, 4¾% mortgage rates and a free year of property management.    A lot of our listeners have acted on this. And I don't want you to miss out because I don't know how long it can last. ___________   Usually, you see fewer investors that want to exchange their properties in a higher interest rate environment, because you're trading in a lower rate property for a higher rate property.    But here, 1031s look more attractive because we've bent that back with rates down to 4.75% + lower insurance premiums on post-2004-built Florida property plus 1 year of free PM.   So many of you have been acting here on this - either by yourself at GRE Marketplace, or working through one of our free Investment Coaches. So, if it can help you, don't miss out. This won't last forever.   You can get started at: GREmarketplace.com/Southeast   Until next week, I'm your host, Keith Weinhold. DQYD!

How long have Latinos been at Cornell? Is there a story to tell about the LatinX community at this Ivy League University and its involvement in grassroots activism and the Board of Trustees? How has the Latine community contributed to Cornell's commitment to any person, any study over the University's 158 years? Join Cornell Latino Alumni Association at large board members Joseph De Los Santos MHA '19 and Freddy Terrazas Escamilla MHA '19 and Vice President Kety Esquivel '97 as they discuss the upcoming CLAA Series on the Fresh from Hill Cornell podcast. Over this limited series the trio interview key Latino/Latina alumni and Board of Trustees members while discussing key events in CLAA history at Cornell.   Put your earbuds in and join us for this first episode where Kety, Joseph, and Freddy walk through their background, their decision to attend Cornell, and the impact that the university has had on their lives and careers. We welcome all students, alumni, family and friends of the university to hear how CLAA has had an impact on Cornell since some of the first classes graduated from the University.  Read the ⁠episode transcript.⁠ Fresh from the Hill was created by Amanda Massa. The CLAA episodes were edited and recorded by Joseph De Los Santos, Freddy Terrazas Escamilla, and Kety Esquivel. Intro music, which that incorporates the sound of the coqui, a frog indigenous to Puerto Rico, by Leonard Washington & Joseph De Los Santos. Closing music by Kia Albertson-Rogers '13, ⁠⁠⁠⁠⁠koa3@cornell.edu⁠⁠⁠⁠⁠. Artwork by Chris Kelly. *The views expressed by Fresh from the Hill hosts and guests do not necessarily reflect the opinions or policies of Cornell University.

The guys sit down with 15-year MLB veteran and manager of Team USA in the 2023 World Baseball Classic, Mark DeRosa. They discuss family, friends, and what it was like to play multiple sports at an Ivy League University!

Have you ever wondered why you get cold chills and tingles when spirit is around? What if that is just the electromagnetic field of an EMS, electromagnetic soul, that is inter phasing with you and all of life? Joining this episode of Psychic Evolution is Mark Anthony, JD Psychic Explorer, a world renowned fourth generation psychic medium who communicates with spirit.    Mark's newest book, THE AFTERLIFE FREQUENCY: The Scientific Proof of Spiritual Contact and How That Awareness Will Change Your Life, brings to light a new language and a new understanding of quantum physics and spirituality in action. In addition to being an author, lawyer, paranormal expert, near-death experience researcher, you will find Mark appearing on TV, Radio, headlining conferences, and exploring supernatural phenomenon and Ancient Ruins.   Topics discussed in this episode:   Mark growing up in a family of psychic mediums Mark's near death experience Mark's aunt Marjorie being committed to an institution because of her prophetic gifts How EMS interphases with electromagnetic technology  Example of mediumship reading with evidential proof of quantum physics How the term Medium replaced the title, Sensitive Everyone is capable of having psychic and mediumship experiences How Mark feels electromagnetic frequencies How to define the parameters of spirit contact How spirit comes through to connect with others when Mark is out in public Offering a message from a grandfather to a worker at a store Offering a message to a woman from her late mother while at a Catholic Church Witch of Endor in the Bible Joan of Arc, St. Francis, St. Clair The prophecy of Joseph for the Egyptian Pharaoh Chi's constants of change, energy, love, consciousness, soul's evolution Hindu's faith that focuses on the eternal soul Suicide and what happens to souls after suicide 911 and Mark's second book, Evidence of Eternity Mark's friend, Billy, who committed suicide  Mark's first book, Never Letting Go What is the collective consciousness Jamie's experience of connecting to the oneness Mark's experience of connecting to the oneness   About Mark Anthony:   Mark Anthony, JD Psychic Explorer/Psychic Lawyer, world renowned psychic medium, Oxford educated attorney, near-death experience researcher, paranormal expert and legal analyst appears internationally on TV and radio and headlines at conferences and expos.    This Psychic Explorer may be found lecturing at an Ivy League University about Quantum Physics one day, and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena.   Mark is a VIP Executive Contributor for Best Holistic Life Magazine, and author of three bestselling books. His latest, The Afterlife Frequency is a riveting story driven exploration taking you around the globe, from the cosmic to the subatomic, into the human soul itself. The Afterlife Frequency won the 2022 COVR Award, 2022 OMMIE Award, 2022 Best Holistic Life Magazine Award and has been endorsed by the world's top Survival of Consciousness scientists and designated by PrettyProgressive.com as one of the top books about faith in God and was considered for a Pulitzer Prize.   Resources: Mark Anthony's website: https://www.afterlifefrequency.com/   Psychic Evolution: Join our Monthly Training Sessions or become a Psychic Evolution Mystery School Inner Eye Member here.   For further information and resources on this topic and more, visit our website here.   To listen to more episodes, head to Apple Podcasts!   Connect with Jamie and Maggie: Facebook Instagram YouTube TikTok  

Have you ever wondered why you get cold chills and tingles when spirit is around? What if that is just the electromagnetic field of an EMS, electromagnetic soul, that is inter phasing with you and all of life? Joining this episode of Psychic Evolution is Mark Anthony, JD Psychic Explorer, a world renowned fourth generation psychic medium who communicates with spirit.    Mark's newest book, THE AFTERLIFE FREQUENCY: The Scientific Proof of Spiritual Contact and How That Awareness Will Change Your Life, brings to light a new language and a new understanding of quantum physics and spirituality in action. In addition to being an author, lawyer, paranormal expert, near-death experience researcher, you will find Mark appearing on TV, Radio, headlining conferences, and exploring supernatural phenomenon and Ancient Ruins.   Topics discussed in this episode:   Mark growing up in a family of psychic mediums Mark's near death experience Mark's aunt Marjorie being committed to an institution because of her prophetic gifts How EMS interphases with electromagnetic technology  Example of mediumship reading with evidential proof of quantum physics How the term Medium replaced the title, Sensitive Everyone is capable of having psychic and mediumship experiences How Mark feels electromagnetic frequencies How to define the parameters of spirit contact How spirit comes through to connect with others when Mark is out in public Offering a message from a grandfather to a worker at a store Offering a message to a woman from her late mother while at a Catholic Church Witch of Endor in the Bible Joan of Arc, St. Francis, St. Clair The prophecy of Joseph for the Egyptian Pharaoh Chi's constants of change, energy, love, consciousness, soul's evolution Hindu's faith that focuses on the eternal soul Suicide and what happens to souls after suicide 911 and Mark's second book, Evidence of Eternity Mark's friend, Billy, who committed suicide  Mark's first book, Never Letting Go What is the collective consciousness Jamie's experience of connecting to the oneness Mark's experience of connecting to the oneness   About Mark Anthony:   Mark Anthony, JD Psychic Explorer/Psychic Lawyer, world renowned psychic medium, Oxford educated attorney, near-death experience researcher, paranormal expert and legal analyst appears internationally on TV and radio and headlines at conferences and expos.    This Psychic Explorer may be found lecturing at an Ivy League University about Quantum Physics one day, and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena.   Mark is a VIP Executive Contributor for Best Holistic Life Magazine, and author of three bestselling books. His latest, The Afterlife Frequency is a riveting story driven exploration taking you around the globe, from the cosmic to the subatomic, into the human soul itself. The Afterlife Frequency won the 2022 COVR Award, 2022 OMMIE Award, 2022 Best Holistic Life Magazine Award and has been endorsed by the world's top Survival of Consciousness scientists and designated by PrettyProgressive.com as one of the top books about faith in God and was considered for a Pulitzer Prize.   Resources: Mark Anthony's website: https://www.afterlifefrequency.com/   Psychic Evolution: Join our Monthly Training Sessions or become a Psychic Evolution Mystery School Inner Eye Member here.   For further information and resources on this topic and more, visit our website here.   To listen to more episodes, head to Apple Podcasts!   Connect with Jamie and Maggie: Facebook Instagram YouTube TikTok  

Mark Anthony, JD, Psychic Explorer (aka The Psychic Lawyer® Psychic Attorney and Psychic Adventurer), is a world-renowned fourth generation science based evidential psychic medium who communicates with spirits. He is the author of the groundbreaking and critically acclaimed spiritual bestsellers The Afterlife Frequency, Evidence of Eternity and Never Letting Go.Mark's credentials and experience are unparalleled in the paranormal world. He is an Oxford educated trial attorney licensed to practice in Florida, Washington D.C., and before the United States Supreme Court. In England he studied Mediumship at the prestigious Arthur Findlay College for the Advancement of Psychic Science.Dr. Gary Schwartz, Professor of Psychology, Medicine, Neurology, Psychiatry and Surgery at the University of Arizona and Director of the Laboratory for Advances in Consciousness and Health is one of the foremost experts on Survival of Consciousness and After Death Communication in the world. Dr. Schwartz studies psychic mediums and has ranked Mark as one of the top mediums in the United States. THE PSYCHIC & THE DOC: Your Practical Paranormal Power Unleashed is co-hosted by Mark Anthony and Dr. Pat Baccili on the Transformation Network. This live stream show is broadcast on hundreds of AM/FM/Digital Radio Stations globally in addition to Apple, iHeart, Google Play, Stitcher, Spotify, YouTube, Facebook Live and Alexa.Mark is a regular columnist for Best Holistic Life Magazine which features articles promoting health and wellness tips by leading experts and global influencers in the health and wellness industry.Mark Anthony the Psychic Lawyer is the media's “Go To Guy” when the paranormal and legal system collide. He is featured regularly on TV and major Radio Shows nationwide. When he appeared on CBS TV's Emmy Award Winning Show The Doctors where he performed a reading for a family in a brutal cold case. Information provided during the reading led to the murderer's arrest. Mark was featured in the episode Quantum Leap to the Other Side on Gaia TV's Beyond Belief with George Norry where he discussed some of his cutting edge theories presented in his book The Afterlife Frequency. Mark is a recurring guest on ABC, CBS, NBC, FOX Television, The 'X' Zone with Rob McConnell, Gaia TV and on major talk radio shows such as Coast to Coast AM, Darkness Radio, and Sirius XM as a psychic medium, paranormal and after death communication expert and legal analyst in high profile cases.Mark was featured on the covers of OMTimes Magazine and Best Holistic Life Magazine-which was the top selling and most popular edition of Best Holistic Life to date.He has also been featured in The Hollywood Times, The Huffington Post, The New York Post, Publisher's Weekly, Writer's Digest, Soeleish Magazines, Authority Magazine, Entrepreneurs Magazine, Conscious Community Magazine, Elephant Journal, LifeStyle Magazine, New Spirit Journal, Horizon's Magazine, The Inquisitr, Staten Island Today, Sedona Red Rock News, Elite Man Magazine, Natural Awakenings, Verde Independent, Infinity Magazine (Canada), Psychic News (UK), Spirituality Today (UK), Soul & Spirit (UK), MysticMag (South Africa) and Quest: Journal of the Theosophical Society in Amercia.A charismatic, intelligent and humorous accomplished public speaker, Mark headlines at conventions, expos and spiritual organizations such as the Edgar Cayce A.R.E., IANDS (International Association for Near-Death Studies), Afterlife Research Education Institute (AREI), The Theosophical Society, Spiritual Awakenings International, Helping Parents Heal, Sedona Spirit Symposium, Vail Symposium and universities including Brown, Columbia, Harvard and Yale.This “Psychic Explorer” has an extensive background in science, quantum physics, survival of consciousness and near death experiences, history, archaeology, philosophy and theology. One day Mark is lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena–plus he's got a great sense of humor!Never Letting Go has been recommended by hospices and grief counselors worldwide. This healing and inspirational book is the definitive guide to healing grief with help from the Other Side. This book takes an inter-faith approach and is for anyone coping with the loss of a loved one. Evidence of Eternity is a groundbreaking and uplifting journey into the afterlife which the removes fear and superstition surrounding spirit contact. This book is intelligent, entertaining in style and presents the scientific basis and theories concerning life after death, spirit communication (both human and animal), karma, and reincarnation. Evidence of Eternity is one of the few books of its genre to be considered for a Pulitzer Prize. It has been released in several languages and is now available as an audio download. The Afterlife Frequency is a riveting adventure that reads like a juicy novel transporting the reader around the globe and from the cosmic to the subatomic into the human soul itself. Mark reveals how the human experience encompasses Spirit Communication, whether through a medium, Near-Death Experience, Death Bed Vision or visitation from spirits of loved ones. The Afterlife Frequency presents scientific proof spirit communication isn't paranormal or supernatural but a normal part of human nature and a powerful instrument of healing and love.The Afterlife Frequency has been endorsed by the world's top Survival of Consciousness scientists. It has also been recommended by spiritual icon, film legend and academy award winning actor Shirley MacLaine. The Afterlife Frequency is a riveting and healing adventure which takes around the globe and from the cosmic to the subatomic, into the human soul itself.THIS CRITICALLY ACCLAIMED BESTSELLER HAS WON:OMMIE Award Metaphysical Book of the Year,BEST HOLISTIC LIFE Award Inspirational Book of Year, COVR (Coalition of Visionary Resources) Award Best Reincarnation Death & Grieving Book.The Afterlife Frequency has been designated by PrettyProgressive as one of the top books about faith in God. Like Evidence of Eternity this book was also one of the few books in the metaphysical genre which has been considered for a Pulitzer Prize.Mark's life mission is to use his abilities to assist those suffering with grief caused by the loss of a loved one by connecting them with loved ones in spirit to prove the existence of the Afterlife and eternal nature of the soul.www.afterlifefrequency.com

Mark Anthony, JD, Psychic Explorer (aka The Psychic Lawyer® Psychic Attorney and Psychic Adventurer), is a world-renowned fourth generation science based evidential psychic medium who communicates with spirits. He is the author of the groundbreaking and critically acclaimed spiritual bestsellers The Afterlife Frequency, Evidence of Eternity and Never Letting Go.Mark's credentials and experience are unparalleled in the paranormal world. He is an Oxford educated trial attorney licensed to practice in Florida, Washington D.C., and before the United States Supreme Court. In England he studied Mediumship at the prestigious Arthur Findlay College for the Advancement of Psychic Science.Dr. Gary Schwartz, Professor of Psychology, Medicine, Neurology, Psychiatry and Surgery at the University of Arizona and Director of the Laboratory for Advances in Consciousness and Health is one of the foremost experts on Survival of Consciousness and After Death Communication in the world. Dr. Schwartz studies psychic mediums and has ranked Mark as one of the top mediums in the United States. THE PSYCHIC & THE DOC: Your Practical Paranormal Power Unleashed is co-hosted by Mark Anthony and Dr. Pat Baccili on the Transformation Network. This live stream show is broadcast on hundreds of AM/FM/Digital Radio Stations globally in addition to Apple, iHeart, Google Play, Stitcher, Spotify, YouTube, Facebook Live and Alexa.Mark is a regular columnist for Best Holistic Life Magazine which features articles promoting health and wellness tips by leading experts and global influencers in the health and wellness industry.Mark Anthony the Psychic Lawyer is the media's “Go To Guy” when the paranormal and legal system collide. He is featured regularly on TV and major Radio Shows nationwide. When he appeared on CBS TV's Emmy Award Winning Show The Doctors where he performed a reading for a family in a brutal cold case. Information provided during the reading led to the murderer's arrest. Mark was featured in the episode Quantum Leap to the Other Side on Gaia TV's Beyond Belief with George Norry where he discussed some of his cutting edge theories presented in his book The Afterlife Frequency. Mark is a recurring guest on ABC, CBS, NBC, FOX Television, The 'X' Zone with Rob McConnell, Gaia TV and on major talk radio shows such as Coast to Coast AM, Darkness Radio, and Sirius XM as a psychic medium, paranormal and after death communication expert and legal analyst in high profile cases.Mark was featured on the covers of OMTimes Magazine and Best Holistic Life Magazine-which was the top selling and most popular edition of Best Holistic Life to date.He has also been featured in The Hollywood Times, The Huffington Post, The New York Post, Publisher's Weekly, Writer's Digest, Soeleish Magazines, Authority Magazine, Entrepreneurs Magazine, Conscious Community Magazine, Elephant Journal, LifeStyle Magazine, New Spirit Journal, Horizon's Magazine, The Inquisitr, Staten Island Today, Sedona Red Rock News, Elite Man Magazine, Natural Awakenings, Verde Independent, Infinity Magazine (Canada), Psychic News (UK), Spirituality Today (UK), Soul & Spirit (UK), MysticMag (South Africa) and Quest: Journal of the Theosophical Society in Amercia.A charismatic, intelligent and humorous accomplished public speaker, Mark headlines at conventions, expos and spiritual organizations such as the Edgar Cayce A.R.E., IANDS (International Association for Near-Death Studies), Afterlife Research Education Institute (AREI), The Theosophical Society, Spiritual Awakenings International, Helping Parents Heal, Sedona Spirit Symposium, Vail Symposium and universities including Brown, Columbia, Harvard and Yale.This “Psychic Explorer” has an extensive background in science, quantum physics, survival of consciousness and near death experiences, history, archaeology, philosophy and theology. One day Mark is lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena–plus he's got a great sense of humor!Never Letting Go has been recommended by hospices and grief counselors worldwide. This healing and inspirational book is the definitive guide to healing grief with help from the Other Side. This book takes an inter-faith approach and is for anyone coping with the loss of a loved one. Evidence of Eternity is a groundbreaking and uplifting journey into the afterlife which the removes fear and superstition surrounding spirit contact. This book is intelligent, entertaining in style and presents the scientific basis and theories concerning life after death, spirit communication (both human and animal), karma, and reincarnation. Evidence of Eternity is one of the few books of its genre to be considered for a Pulitzer Prize. It has been released in several languages and is now available as an audio download. The Afterlife Frequency is a riveting adventure that reads like a juicy novel transporting the reader around the globe and from the cosmic to the subatomic into the human soul itself. Mark reveals how the human experience encompasses Spirit Communication, whether through a medium, Near-Death Experience, Death Bed Vision or visitation from spirits of loved ones. The Afterlife Frequency presents scientific proof spirit communication isn't paranormal or supernatural but a normal part of human nature and a powerful instrument of healing and love.The Afterlife Frequency has been endorsed by the world's top Survival of Consciousness scientists. It has also been recommended by spiritual icon, film legend and academy award winning actor Shirley MacLaine. The Afterlife Frequency is a riveting and healing adventure which takes around the globe and from the cosmic to the subatomic, into the human soul itself.THIS CRITICALLY ACCLAIMED BESTSELLER HAS WON:OMMIE Award Metaphysical Book of the Year,BEST HOLISTIC LIFE Award Inspirational Book of Year, COVR (Coalition of Visionary Resources) Award Best Reincarnation Death & Grieving Book.The Afterlife Frequency has been designated by PrettyProgressive as one of the top books about faith in God. Like Evidence of Eternity this book was also one of the few books in the metaphysical genre which has been considered for a Pulitzer Prize.Mark's life mission is to use his abilities to assist those suffering with grief caused by the loss of a loved one by connecting them with loved ones in spirit to prove the existence of the Afterlife and eternal nature of the soul.www.afterlifefrequency.com

Mark Anthony, JD Psychic Explorer/ Psychic Lawyer, world renowned psychic medium, Oxford educated attorney, near-death experience researcher, paranormal expert and legal analyst appears internationally on TV and radio and headlines at conferences and expos. This Psychic Explorer may be found lecturing at an Ivy League University about Quantum Physics one day, and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena. Mark is a featured columnist for Best Holistic Life Magazine, and author of three bestselling books. His latest, The Afterlife Frequency is a riveting story driven exploration taking you around the globe, from the cosmic to the subatomic, into the human soul itself. The Afterlife Frequency has been endorsed by the world's top Survival of Consciousness scientists and designated by PrettyProgressive.com as one of the top books about faith in God. It's been submitted for a Pulitzer Prize. Other books: Evidence of Eternity: Communicating with Spirits for Proof of the Afterlife Never Letting Go: Heal Grief with Help from the Other Side Website: AfterlifeFrequency.com Discussion of this interview in the BatGap Community Facebook Group. Transcript of this interview Interview recorded October 15, 2022 Video and audio below. Audio also available as a Podcast.

Radiate Good Health with Mark Anthony on the Radiate Wellness Podcast. Listen to this timely episode at radiatewellnesscommunity.com/podcast or your favorite place to get your podcasts. Mark Anthony is a return guest. This time, we discuss current world events and politics from Mark's unique point of view as a psychic medium, paranormal expert, and attorney. Mark is a man of many talents and many stories full of knowledge and wisdom. His work as a JD Psychic Explorer, world renowned psychic medium, Oxford educated attorney, near-death experience researcher, paranormal expert and legal analyst brings him all over the world. He may be found lecturing at an Ivy League University about Quantum Physics one day, and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena. He also appears on TV and Radio and co-hosts a weekly radio show called The Psychic and The Doc with Dr. Pat Baccilli where all subjects are on the table and no topic is taboo. Tune in on Thursdays using this link. transformationtalkradio.com/show-details/the-psychic-and-the-doc-with-mark-anthony-and-dr-pat-baccili,299.html. Mark's talents extend to written word as well. He is a featured columnist for Best Holistic Life Magazine Bestholisticlife.com and author of three bestselling books. His latest book, The Afterlife Frequency, is a riveting story driven exploration taking you around the globe, from the cosmic to the subatomic, into the human soul itself. The Afterlife Frequency has been endorsed by the world's top Survival of Consciousness scientists, designated by PrettyProgressive.com as one of the top books about faith in God, and has been submitted for a Pulitzer Prize. You can watch a short video about The Afterlife Frequency. Don't forget to like, share, and follow this podcast! Sounds simple, but it helps others find us and our amazing guests.

Radiate Good Health with Mark Anthony on the Radiate Wellness Podcast. Listen to this timely episode at radiatewellnesscommunity.com/podcast or your favorite place to get your podcasts. Trigger warning: This episode discusses suicide and mental illness. Mark Anthony is a return guest. This time, we discuss current world events and politics from Mark's unique point of view as a psychic medium, paranormal expert, and attorney. Mark is a man of many talents and many stories full of knowledge and wisdom. His work as a JD Psychic Explorer, world renowned psychic medium, Oxford educated attorney, near-death experience researcher, paranormal expert and legal analyst brings him all over the world. He may be found lecturing at an Ivy League University about Quantum Physics one day, and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena. He also appears on TV and Radio and co-hosts a weekly radio show called The Psychic and The Doc with Dr. Pat Baccilli where all subjects are on the table and no topic is taboo. Tune in on Thursdays using this link. transformationtalkradio.com/show-details/the-psychic-and-the-doc-with-mark-anthony-and-dr-pat-baccili,299.html. Mark's talents extend to written word as well. He is a featured columnist for Best Holistic Life Magazine Bestholisticlife.com and author of three bestselling books. His latest book, The Afterlife Frequency, is a riveting story driven exploration taking you around the globe, from the cosmic to the subatomic, into the human soul itself. The Afterlife Frequency has been endorsed by the world's top Survival of Consciousness scientists, designated by PrettyProgressive.com as one of the top books about faith in God, and has been submitted for a Pulitzer Prize. You can watch a short video about The Afterlife Frequency at youtu.be/4OhvCktctTI. Don't forget to like, share, and follow this podcast! Sounds simple, but it helps others find us and our amazing guests.

Dog Talk (And Kitties Too!) (09-19-2022) #797C: Justin Goodman, Director of the White Coat Waste Project (which investigates the travesty of tax-payer dollars being thrown away on often pointless experiments, and studies which require animal cruelty) talks with Tracie about how massive millions of dollars are funneled from government funding to universities for research, lining the coffers of the universities, often via pointless and cruel experimentation on animals. The federal Office of Research Integrity (ORI) is now investigating falsification of results from experimental brain trauma inflicted on newborn piglets at the University of Pennsylvania (which happens to be Tracie's alma mater). Tracie and Justin suggest that alumni and students at any university question the administration whether "indefensible science" is being conducted that harms animals for profit.

On today's Quick Start podcast:NEWS: 9/11 Remembrances, Border Busing, Ivy League University Responds to Biden BailoutMAIN THING: Radicals 'Trying to Wipe Out Christians' in This Little Reported on RegionLAST THING: Joe Scarborough Butchers the Bible

In response to the COVID pandemic, remote working became the norm for organisations to continue operating. As restrictions eased and employees both proved that remote working was viable and preferable, Hybrid Working emerged as a term to describe the mainstream adoption of this flexible approach to working from home and commuting, when required. However, in line with a new way of working emerged a new approach to learning. Or did it?  In this episode, David, and Nigel Paine, who has 25 years of L&D experience and teaches on a doctoral programme at an Ivy League University, discuss this.   KEY TAKEAWAYS Hybrid learning is a bit of a cliché, which is great for marketing, but is not for customers. We need to ask if remote/hybrid learning is the optimum solution for all hybrid workers, rather than assume that is the case. The L&D industry is prone to following fads and to re-badging old products. Doing fieldwork is essential if you want to understand what will work and avoid being tempted to follow a fad that does not do the job. When gathering data, ask lots of why questions to gain a deeper understanding of the issues. Don't be afraid to discuss things that don't necessarily fall under the learning remit as a way of improving your understanding. Few of the influential L&D software vendors have worked in the industry, so their tools and services often miss the mark.  See yourself as a practitioner, bring your experience to bear and act together with your stakeholders to solve their problems.   BEST MOMENTS 'I see so many terms that just come and go …. and hybrid learning is one of those' 'The last thing I would ever do to anyone in an organisation is to tell them what they need. I would help them to work that out for themselves.' 'Go in there with a partnership approach and ask the right questions.  'I would like to see more L&D people who are in control of their practice…not just working out what software to use. '   VALUABLE RESOURCES The Learning And Development Podcast - https://podcasts.apple.com/gb/podcast/the-learning-development-podcast/id1466927523  L&D Masterclass Series: https://360learning.com/blog/   ABOUT THE GUEST With over 25 years of experience in corporate learning, Nigel is a regular speaker, writer, and broadcaster on the topics of development, technology, and leadership. Between 2002 and 2006 he headed up the BBC's Learning and Development operation. Following this, he started his own company nigelpaine.com Ltd that is focused on building great workplaces. He teaches on a doctoral programme at an Ivy League University, he has written three recent books, presents a monthly TV programme (Learning Now TV), and shares a weekly podcast (with Martin Couzins) called From Scratch.  You can follow and contact Nigel via: Twitter: @ebase LinkedIn: https://www.linkedin.com/in/nigelpaine/ Website: https://www.nigelpaine.com/ Hybrid Learning Article: https://www-trainingzone-co-uk.cdn.ampproject.org/c/s/www.trainingzone.co.uk/lead/strategy/hybrid-learning-is-just-learning-dont-fall-for-the-fad?amp   ABOUT THE HOST David James  David has been a People Development professional for more than 20 years, most notably as Director of Talent, Learning & OD for The Walt Disney Company across Europe, the Middle East & Africa.  As well as being the Chief Learning Officer at 360Learning, David is a prominent writer and speaker on topics around modern and digital L&D.  CONTACT METHOD  Twitter:  https://twitter.com/davidinlearning/ LinkedIn: https://www.linkedin.com/in/davidjameslinkedin/  L&D Collective: https://360learning.com/the-l-and-d-collective/ Blog: https://360learning.com/blog/ L&D Masterclass Series: https://360learning.com/blog/ See omnystudio.com/listener for privacy information.

On this week's episode of the Genetic Genius Podcast, as Mark Anthony, JD Psychic Explorer and Psychic Lawyer discusses the afterlife and how to connect to higher frequencies with ourselves and beyond. Mark Anthony, JD Psychic Explorer/Psychic Lawyer, world renowned psychic medium, Oxford educated attorney, near-death experience researcher, paranormal expert and legal analyst appears internationally on TV and radio and headlines at conferences and expos. This Psychic Explorer may be found lecturing at an Ivy League University about Quantum Physics one day, and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena. Mark is a featured columnist for Best Holistic Life Magazine, and author of three bestselling books. His latest, The Afterlife Frequency is a riveting story driven exploration taking you around the globe, from the cosmic to the subatomic, into the human soul itself. The Afterlife Frequency has been endorsed by the world's top Survival of Consciousness scientists and designated by PrettyProgressive.com as one of the top books about faith in God. It's been submitted for a Pulitzer Prize. Here are the high vibe topics we discuss 1. Tell us about your new book and what was the inspiration behind it. 2. In your book you discuss your childhood and being a psychic. Can you talk about your first psychic experience and what it was like growing up in this different reality or space. 3. Are there other members of your family that were also psychics? Did they help guide you? 4. One of the terms that you use in your book is the “electromagnetic soul” - can you explain what that means. 5. How can we increase our electromagnetic frequency? 6. Another great concept is the collective consciousness. Can you talk about what this means and can we use this collective consciousness for planetary healing? 7. For listeners that are starting to connect with their guides and teachers spiritually what advice can you give? 8. In your book, you discuss the Near Death Experiences. Did you have one of these yourself and what was it like? 9. The spiritual world is evolving at such a high speed right now. How did you first get interested in understanding spirituality and how it relates to the inner workings of our brain? 10. What is your RAFT technique? How can we use the connection to our higher selves to reduce stress? 11. Do you have a spiritual message for the world? To learn more about the Mark visit www.AfterlifeFrequency.com Follow Mark FB @MarkAnthonyThePsychicLawye IG @psychiclawyermarkanthony To learn more about Dr. LuLu Shimek, purchase her new book, and make an appointment please visit bio.

Trigger warning: This episode discusses suicide and mental illness. Radiate Healing with Mark Anthony on the Radiate Wellness Podcast. Listen at radiatewellnesscommunity.com/podcast or your favorite place to get your podcasts. Mark Anthony, JD Psychic Explorer/Psychic Lawyer, world renowned psychic medium, Oxford educated attorney, near-death experience researcher, paranormal expert and legal analyst appears internationally on TV and radio and headlines at conferences and expos. This Psychic Explorer may be found lecturing at an Ivy League University about Quantum Physics one day, and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena. He also co-hosts a weekly radio show called The Psychic and The Doc with D. Pat Baccilli where all subjects are on the table and no topic is taboo.Tune in on Thursdays using this link. transformationtalkradio.com/show-details/the-psychic-and-the-doc-with-mark-anthony-and-dr-pat-baccili,299.html. Mark is a featured columnist for Best Holistic Life Magazine Bestholisticlife.com, and author of three bestselling books. His latest, The Afterlife Frequency is a riveting story driven exploration taking you around the globe, from the cosmic to the subatomic, into the human soul itself. The Afterlife Frequency has been endorsed by the world's top Survival of Consciousness scientists and designated by PrettyProgressive.com as one of the top books about faith in God. It's been submitted for a Pulitzer Prize.You can watch a short video about The Afterlife Frequency at youtu.be/4OhvCktctTI. Don't forget to like, share, and follow this podcast! Sounds simple, but it helps others find us and our amazing guests.

This podcast is about Steven Pinker's new book "Rationality". I read a small number of brief excerpts from the book itself, alongside commenting, criticising and reviewing the content of the third chapter “Logic and Critical Thinking”.  The first half (or so) of this episode is not about the book as much as my personal reflections on academic culture and its treatment of these subject areas "logic" and "critical thinking". I spend some time discussing the global culture of schooling and changes in recent years which incorporate "critical thinking" - following in the footsteps of what has become a fashion in tertiary education. Almost no matter the course a student enrols in now, there is some promise that it will develop one's "critical thinking" skills.  I compare Pinker's vision of rationality with what might be interpreted about that same topic from the work of David Deutsch and Karl Popper. In summary: I found the book highly entertaining in places and an excellent overview of this topic as it might be taught in an Ivy League University in The United States (indeed Pinker says that such a course that he taught was part of the impetus for the book). In terms of being a good substitute for those who might never have been able to afford due to chance, location or cost actually attending such an institution and taking on a course such as one on "Critical Thinking" and “Logic” the book could readily serve as a series of well written university lecture notes. To that end, it is certainly worth the cost for anyone interested in these topics.  If you would like to support "ToKCast" - links for how to do so can be found at the homepage of www.bretthall.org Thankyou kindly to those who donate :)

Today's Guest: Emma Harvey from the Yale Women's Hockey Team We Discuss: - Her first year with Yale - Growing up in London Ontario and playing in the PWHL for the Devilettes - Balancing Hockey and School at a Ivy League University

First African-American President of an Ivy League University (Brown), First Female President of a Major University, and Fellow East Texas Native Prairie View A&M President Dr. Ruth Simmons

Welcome to my conversation with Mark Anthony, JD - Psychic Explorer, Psychic Medium, Author & Speaker. These are our topics ⬇️ . 00:00 - Being a Medium 08:08 - Scientific Proof of the "Afterlife" 15:03 - Quantum Physics is the Key 19:27 - EMS: The Electromagnetic Soul 28:36 - Reincarnation 36:12 - How Spirits Communicate with Us 45:10 - Recognize, Accept, Feel & Trust Frequency Beacons (RAFT) 55:20 - How Brain Waves & Frequencies Align 59:20 - Katarina's Message – Thank you for coming, Mom! About Mark Anthony, JD: Mark Anthony, JD Psychic Explorer (aka The Psychic Lawyer®) is the author of "The Afterlife Frequency." His other award winning, critically acclaimed best-sellers are "Never Letting Go" and "Evidence of Eternity." He is a world-renowned fourth generation psychic medium who communicates with spirits. Mark is an Oxford educated attorney licensed to practice law in Florida, Washington D.C. and before the United States Supreme Court. Mark is featured regularly on Television, major talk radio shows and in print media.Mark Anthony is also known as the Psychic Explorer. The media has referred to him as the “Psychic Indiana Jones” due to his extensive background in science, quantum physics, survival of consciousness and near-death experiences, history, archaeology, philosophy and theology. One day Mark may be lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena. To book Mark on your show or as a headline speaker at your kindly event visit his website: More about Mark Anthony, JD:

On this episode of The Generational View, we invited two more Higher Educational professionals to discuss their day-to-day experiences with the often misunderstood and feared Generation Z, and how they empower and engage with their students.  As explored in previous episodes of The Generational View, the expectations that Gen Z has for the workplace and society are unprecedented compared to what we've seen in Millennials or any other previous generations. It's important to listen to and understand what Gen Z wants, or companies and institutions that fail to do so will get left behind. That's why we're having these important conversations All About Gen Z on Season 2 of The Generational View.   Our guests Steve Gallagher, a proud Gen X with a Bachelor's of Arts in Communications and Master's in Strategic Leadership and Organizational Change, has over 20 years of experience in the higher education field. He currently serves as Advisor to Administration at an arts school, and is a certified emotional intelligence coach and has a coaching practice with the goal of living a more balanced and fulfilled life. Juaquin Sims is a Program Director at an Ivy League University and Board Member of the Young Education Professionals. He is a Millennial with Bachelor's Degree in English Education and Literature and Master's Degree in Higher Education   What you'll hear in this episode How the characteristics of Generation Z impact how they engage with their students Balancing the change that needs to happen with the systems that need to exist The evolution of social justice in their institutions and curriculums The strengths and opportunities that Gen Z brings to the workplace

#31 Mark Anthony Psychic Explorer, Mark Anthony, JD Psychic Explorer (aka The Psychic Lawyer®) is the author of "The Afterlife Frequency." His other award-winning, critically acclaimed best-sellers are "Never Letting Go" and "Evidence of Eternity." He is a world-renowned fourth-generation psychic medium who communicates with spirits. Mark is an Oxford-educated attorney licensed to practice law in Florida, Washington D.C., and before the United States Supreme Court. Mark is featured regularly on Television, major talk radio shows and in print media.Mark Anthony is also known as the Psychic Explorer. The media has referred to him as the “Psychic Indiana Jones” due to his extensive background in science, quantum physics, survival of consciousness and near-death experiences, history, archaeology, philosophy and theology. One day Mark may be lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena.To book Mark on your show or as a headline speaker at your kindly event visit his website: www.EvidenceOfEternity.comMark's credentials and experience are unparalleled in the paranormal world. He is an Oxford-educated trial attorney licensed to practice before the United States Supreme Court. In England, he studied Mediumship at the prestigious Arthur Findlay College for the Advancement of Psychic Science.Dr. Gary Schwartz, Professor of Psychology, Medicine, Neurology, Psychiatry and Surgery at the University of Arizona and Director of the Laboratory for Advances in Consciousness and Health has ranked Mark as one of the top mediums in the United States.Mark Anthony the Psychic Lawyer® is the media's “Go To Guy” when the paranormal and legal system collide.He is featured regularly on TV and major Radio Shows nationwide. In 2017 he appeared on CBS TV's Emmy Award Winning Show The Doctors where he performed a reading for a family in a brutal cold case. Information provided during the reading led to the murderer's arrest in April 2018.DYNAMIC, CHARISMATIC AND HUMOROUS PUBLIC SPEAKER, Mark headlines at conventions, expos and spiritual organizations such as the Edgar Cayce A.R.E., IANDS (International Association for Near-Death Studies), Afterlife Research Education Institute (AREI), Sedona Spirit Symposium, Vail Symposium and universities including Brown, Columbia, Harvard and Yale.www.AfterlifeFrequency.com https://www.instagram.com/x3pnrx/https://twitter.com/3PNR2https://www.facebook.com/3PNRAdamR/https://www.paypal.com/donate/?business=L5MT6SXD3C9QS&no_recurring=0¤cy_code=USDhttps://www.patreon.com/3PNRIntro and outro music by Tobylane on Spotify #AFTERLIFE #PSYCHIC #SPIRITSSupport the show (https://www.paypal.com/donate/?business=G3QPXTXYJ7ERL&no_recurring=0&item_name=I+appreciate+all+My+listeners+and+look+forward+to+creating+more+content+for+you%2C+all+donations+help+grow+the+show%2C+Thank+You¤cy_code=USD)

This video and associated podcast are about Steven Pinker's new book "Rationality". I read a small number of brief excerpts from the book itself, alongside commenting, criticising and reviewing the content of the first two chapters. There are a number of images and videos in the Youtube version which may help with particular concepts as we go along. I compare Pinker's vision of rationality with what might be interpreted about that same topic from the work of David Deutsch and Karl Popper. In summary: I found the book highly entertaining in places and an excellent overview of this topic as it might be taught in an Ivy League University in The United States (indeed Pinker says that such a course that he taught was part of the impetus for the book). In terms of being a good substitute for those who might never have been able to afford due to chance, location or cost actually attending such an institution and taking on a course such as one on "Critical Thinking" and "Rationality" the book could readily serve as a series of well written university lecture notes. To that end, it is certainly worth the cost for anyone interested in these topics. In Chapter 2, Professor Pinker not only agrees with the "justified true belief" conception of knowledge but uses it in practise to explain what might be called the "rational" and "irrational". I thus spend a good portion of the second half of this video suggesting ways in which that very conception of knowledge itself leads to irrationality and explain a better way of understanding concepts like "knowledge" as compared to "belief" and how to understand the phrase "I know". I intend to cover 2 chapters per episode. 00:00 Introduction 03:30 “Enlightenment Now” and praise for "The Beginning of Infinity". 07:50 Timeless errors, timely examples. 13:05 “Rationality” in “The Beginning of Infinity” sense. 17:15 Do ancient-type tribal people have a “scientific mindset”? 25:00 Explanatory Universality & Anti-rational memes 34:34 Skill with logic puzzles and *being* logical/rational 42:00 The Wason Selection task 51:25 The Monty Hall Problem 1:02:50 The Linda Problem (& remarks on uses and misuses of probability) 1:11:42 Popper and theory laden observations 1:14:20 Knowledge as Justified True Belief - Why Popper matters 1:27:00 Objective truth 1:32:30 Reason is fun 1:38:18 Closing remarks about chapter 2

Happy Labor Weekend guys!This one's for my prospective undergraduate friends/audience planning to study at a College or University in USA!Fath' Ma Marcelah is a sophomore from Goma, Democratic Republic of Congo majoring in Landscape Architecture at Cornell University. In her spare time, she loves to design and enjoys dancing.Daniel Idakwoji is a sophomore from Abuja,Nigeria majoring in Chemical Engineering at Cornell University. Kato David Adam is a freshman from Rwanda, intending to major in Political Science at the College of Arts and Sciences at UPenn.  Also, he is interested in other forms of academia - Medicine, International Relations, Philosophy, Ethics- and loves engaging in or listening to conversations centered around these knowledge domains. In his spare time, David enjoys volunteering, staying engaged in the community, spending time with friends and listening to music.Join Fath'Ma, Daniel, David and I as we discuss the requisites to applying and obtaining admission in an Ivy League University!I hope you enjoy listening and learning, as much as we enjoyed recording and sharing!Ivy League Love,Fath'Ma, Daniel, David & ToluN/B: This episode was originally recorded during an Instagram Live Event on Monday 6th September, 2021 and the video recording can be found here!

Sara Harberson is America's College Counselor. She is a nationally recognized authority on college admissions with formidable credentials: former Associate Dean of Admissions at the University of Pennsylvania, Dean of Admissions at Franklin & Marshall College, and Director of College Counseling at the Baldwin School. Sara is one of the only private college counselors who has led both an admissions office at a highly selective college and a college counseling office at an elite high school. Sara also shares her expertise with a wider audience as the founder and CEO of AdmissionsRevolution.com, a free website available to all, SaraHarberson.com, for personalized college counseling and free resources, and Application Nation, a private subscription-based Facebook group. Sara has appeared as a college admissions expert on HBO's Vice News, CBS Evening News , CBS This Morning, The Today Show, and CNBC. Her op-eds have appeared in USA Today, the LA Times, the Chicago Tribune, and various other national publications. She lives in Lancaster, PA.

Hi friends! Today I'm excited to introduce you to my friends, Dan and Nikki Garlic. We have been friends for about 20 years. Dan and I met at a prayer meeting when I was a college student and he was a graduate student. We used to pray almost daily together that year with other students for revival on our campus. I was blessed to become friends with Nikki when they were dating and engaged. We got to attend each others weddings, hold each other's babies, and enjoy each other's friendship over the years. Today we are continuing the conversation about racial justice. I wanted to share their perspective with you because, 1. They are our dear friends 2. They both LOVE the Lord and are always praying. 3. They are each so intelligent and thoughtful. They both graduated from an Ivy League University. Dan has his Masters degree and is an educator. Nikki is a lawyer, has a Masters degree, and is currently pursuing her PhD. I was deeply moved by this hope-filled and honest conversation and I pray that it touches and encourages your heart as well. Thank you so much Dan and Nikki for sharing your lives and thoughts with us. *I apologize as we had some microphone difficulties for a few sentences. Thankfully it was quickly resolved. Thank you for your patience in this. If you are interested in learning more, here are some resources and Dan and Nikki recommend. https://www.saltermcneil.com/?fbclid=... https://esaumccaulley.com Thank you for listening! If you enjoyed this podcast, please subscribe so that you don't miss any future episodes! Wondering if our coaching service is right for you? We offer a free 30-minute coaching session for new clients! Request your appointment here: https://thejourneyhome.global/contact We love to hear from you! We read all emails and are active daily on social media. We typically respond no later than 48 hours. Here are the various ways you can connect with us: https://thejourneyhome.global Email - chrisho@thejourneyhome.global or euniceho@thejourneyhome.global Instagram - https://www.instagram.com/thejourneyhome.global/ Facebook - https://www.facebook.com/thejourneyhome.global YouTube - https://www.youtube.com/channel/UCbapfaILfy_O4enRdgLSC4Q/ --- Send in a voice message: https://anchor.fm/thejourneyhome/message Support this podcast: https://anchor.fm/thejourneyhome/support

Is Bitcoin a store of value during a financial crisis? What role does it play in a portfolio? Scott Melker, a successful trader and one of the leading voices of Cryptos discusses the origins of bitcoin, its uses, and what the future may look like. *This episode was originally released on March 25, 2020.* TRANSCRIPT: Intro (00:01): Inventors and their inventions. Welcome to Radio Cade the podcast from the Cade Museum for Creativity and Invention in Gainesville, Florida, the museum is named after James Robert Cade, who invented Gatorade in 1965. My name is Richard Miles. We’ll introduce you to inventors and the things that motivate them, we’ll learn about their personal stories, how their inventions work and how their ideas get from the laboratory to the marketplace. James Di Virgilio (00:38): Today, we are joined by Scott Melker. He is a leading voice in cryptocurrency. He’s a trader he’s an advisor. He formerly was a DJ and at times like these discussing cryptocurrency is more than just whether or not Bitcoin is an investment. It’s actually an indictment on where we are as a society, monetarily, fiscally. What does all of this mean? Scott, welcome to the program. It’s great to have you. Scott Melker (01:04): Thank you so much for having me. I’m truly honored. James Di Virgilio (01:06): Now, Scott, I know your background really for the first 15, 20 years of your career was as a DJ. In fact, you gained a significant amount of fame doing that. Then at some point in time, you got into dealing with the cryptos. Tell us about that transition and how that happened. Scott Melker (01:20): As you said, it was about two decades of DJ and music with a million other projects. On the side, I was always superficially interested in trading and investing. My parents gave me a pretty good base and understanding of money and finances and how to save. But as a trader, I was pretty much an amateur and actually pretty terrible at it, especially riding through the recession of 2008 and all of those things. But as I began to feel like I was aging out of music, I’m in my forties. Now I was deejaying to kids that were twenty, just became very awkward. I started to look for other things, but at the time when, if you were trading anything, crypto became just absolutely huge. You couldn’t stop hearing about it. It was at the end of 2016, beginning of 2017 and so I put a little money into it. I started trading it and just by virtue of being in the right place at the right time, it quickly became something that could sustain and become a career. So I sort of fell into it to some degree. And then interestingly, at the same time, my daughter who’s now five was born and alongside, already feeling like I was too old for a music production and deejaying having her really took me off the road and put me back in front of my screens to trading. So she was born and I had to go to South by Southwest to play a concert literally the next day and going away and having that feeling. I knew that that was just not going to be my future path. And so I decided to pack it in and focus on trading crypto. James Di Virgilio (02:39): Now learning is a large part of this podcast. We’ve had chances to talk to so many different innovators, entrepreneurs, creativity, leaders, you jumped into a field that was entirely different from what you did, how difficult was it to learn the concepts behind how to trade, how to trade correctly, how not to lose your money, how to invest. And then how did you learn? What was your primary tool for learning? Scott Melker (03:02): Like I said, I’ve had a level of base knowledge. I at least understood the basics of technical analysis and charts and had a bit of an understanding of chart patterns and things like that. And I think I also had a generally good understanding of how to balance a portfolio, not trade with all your money and basically just be responsible as a whole. But to some degree it was a trial by fire. Like I think it was for anyone else. Trading crypto is very different than trading stocks or any other assets. It is primarily technical being that almost everyone is using charts as opposed to fundamentals. There’s no PNL or quarterly earnings report for Bitcoin. There’s no CEO to call and see what your expectations are for the next year. So you’re really trading based on charts, which is effectively just trying to guess, where are the big players in the market are likely to inflict the most pain on retail traders, where they’re likely to sell and where they’re likely to buy and try to be on their team. So that’s something you can do by gaging sentiment and looking at a chart. But as I said, it was somewhat of a trial by fire. Luckily I found a friend who became a mentor who is an exceptional trader for over 20 years. His name’s Christopher Inks of Texas West Capitol and to some degree I forced myself under his wing. And when 2017, I really learned even more by multiples of what I knew before. And at that time, I really think I honed it in and became a pretty exceptional trader. James Di Virgilio (04:22): So as a voice for crypto, as someone who’s living this and breathing this every day, we’re going through a financial crisis right now, due to coronavirus. There’s a lot of thought that something like Bitcoin or maybe another coin, but cryptos in general could serve as the antithesis of what we see with central banks around the world here in the US we’re printing trillions of dollars to bail out the country. And obviously the idea for something like Bitcoin is if you can have a stable currency that maintains its value, you’re not going to have a Fiat currency, right. A currency that can be manipulated by a government that can be inflated. That can be cheapened. Do you see that as a narrative for Bitcoin in the long run? Or is that an idea that was nice and novel, but not reality? Scott Melker (05:06): Uh, honestly, it’s a bit of both. So I think that the notion that people would rush to Bitcoin when they’re losing their money in a risk off environment is somewhat absurd. Never in history have people when they’re losing their money in the market, run into something that’s perceived as riskier, they run to cash, right? And so at presence, even though a dollar is inflationary, it’s behaving somewhat deflationary in that the entire world is trying to rush into dollars. So I don’t know if you’ve seen lately, but for example, recently against the Australian dollar, the dollar rose 20% in value in a matter of hours. So right now people want dollars. And so I don’t think that notion is correct at the moment, but when you look at Bitcoin as a whole, it’s not a hedge against your portfolio dropping what it is a hedge against is that inflationary environment of Fiat because Bitcoin itself is deflationary. So I think there’s a differentiation between what the given price of Bitcoin is at any moment and what its actual true value is to look at a society like Venezuela country, like Venezuela, where they have hyperinflation a suitcase of money. It doesn’t even buy you a loaf of bread. There are people who, regardless of what the price is on Coinbase or an American crypto exchange, are there are people who are surviving strictly because they’re mining or trading or transacting in Bitcoin. So it has real life use cases in a lot of countries and a lot of the situations around the world, but that’s just never been seen on a macro level. So I don’t believe it’s a store of value like gold or something like that. I’ve never really subscribed to the digital gold or store value narrative. But I do think that in certain environments, when it really goes somewhat madmax on the planet, unfortunately, which could be a future that we’re somewhat headed towards. I think that it has tremendous value. So I believe that everyone should have at least minimal exposure to Bitcoin, just in case of the worst case scenario. Not because they believe that next week it’ll necessarily be priced higher or lower. James Di Virgilio (06:59): Well, the Venezuela example is interesting because as you mentioned, if we live in a Keynesian and if you’re not an economist, John Maynard Keynes, a leading economist in the 1920s and thirties, you could say is largely responsible for how most of the world manages debt and fiscal responsibility, monetary policy. Nowadays, you can certainly make, as you mentioned, this longterm argument that Bitcoin, if you lose your currency, right, runaway inflation becomes something you may go to because now you and I need to exchange goods and services in Venezuela. The last thing we want to do is do that in the Venezuelan currency, because that is wildly losing value every single day. So we choose to use something like Bitcoin, obviously gold function this way, really, for most of human history, the idea is Bitcoin of course could function that way. I think you’re articulating very nice that it’s nowhere near that yet. And the reason for that, it’s very simple to be a usable, consistent currency. It needs to be stable. And that’s why the U S dollar, despite I think a lot of real fundamental issues that we could bring up and spend an hour talking about today is still that safe haven is right now. As far as history goes, that’s your most proven safe asset. Scott Melker (08:01): The only true safe haven in my eyes. But I do think that we’re going to see that change likely very soon not to be alarmist, but the fact that the value of the dollar is rising so fast is not actually a particularly good thing. But like you said that’s a conversation for another day. James Di Virgilio (08:16): Right? And that is certainly an interesting one. I mean, like we said, fundamentally where we are as a world and what we’re doing with monetary policy matters a lot. In fact, that’s something I talk about in my profession. Maybe more frequently than anything is to learn about monetary policy study. What’s good or bad. That’s going to change the world significantly. And that could certainly in the future be an opportunity for something like Bitcoin. Now I think a big hurdle for most people on Bitcoin is understanding why it’s possibly even theoretically, a stable currency. Let’s assume the best case scenario in this becomes stable. What is a Bitcoin? How do we get a Bitcoin? It’s easy to understand gold it’s in the ground. I mine it, people think it’s valuable. Explain to us how Bitcoin has any value or how it’s stable or what it really is. Cause I know that loses most people right here in this part of the conversation. Scott Melker (09:02): Well, it’s certainly not stable and I don’t necessarily believe that it will be. And actually as a trader, the volatility is what draws so many people to trading Bitcoin and their interest in it. But a Bitcoin it’s a protocol it’s math. And the computer has to effectively at the most basic level, computers around the world are competing to solve a complicated math problem. And when they solve it, that creates Bitcoin. It’s a ledger that keeps these transactions on the blockchain. And once an individual block is locked, it’s effectively unhackable. And so the idea is that you’re not on a centralized server somewhere. You know, it’s decentralized, it’s spread all over the planet and the miners are creating Bitcoin. And like I said, you have these unhackable blockchain decentralized it’s trustless. You don’t have to trust a government or a central party. And that’s really the appeal to a lot of people because you want to use PayPal or your bank or whoever it is. There’s a third party involved in you transacting with someone else. And this eliminates that third party in a manner where you’re at much less risk. But that said as an average person to understand that, you have to understand that you are now your own bank, nobody is going to bail you out. If you get hacked or if you get your Bitcoins stolen, you’re not insured. So for the average person, I think it’s actually terrifying. Most of them don’t even understand that. I think they just buy it on an exchange and they leave it there. When you buy Bitcoin on an exchange and you leave it there, it’s not really yours. There’s a saying in crypto, uh, not your Bitcoin If you don’t have the private T’s basically. So unless you put it on your own hardware wallet or move it somewhere offline, I mean, there’s a conversation that could go for hours. And, and it’s funny because I actually was recently the victim of a pretty major hack attempt by some famous hackers in Europe. They swapped my SIM card. They attacked my exchange accounts, but because I have my proper security in place, I didn’t actually lose any money. They made my life really miserable for a couple of weeks. But stories like that are going to drive your average retail person away from Bitcoin. And let’s be honest, in 2017, when everyone was interested in Bitcoin, they were not interested in it because it was a hedge against inflation or because it could protect them from their government. They were buying it because someone told them that they make a ton of money selling it later. That’s not a use case. That’s just FOMO, fear of missing out. So at the end of the day, you can’t explain all of that to a five-year-old effectively. And I think that’s been one of the greatest impediments to Bitcoin because people just don’t want to learn and they don’t want to deal with that. They don’t want to go buy a private hardware wallet and understand their seed phrases and private T’s, and that they got to put one on a safe and one of the safe deposit box. It’s really crazy. I mean, you really are your own bank. James Di Virgilio (11:32): Yeah. And everything you just said there, I think is exactly the reason why Bitcoin is nowhere near a currency adoption, despite in a theoretical world, how nice it does sound on a macro level. Look at what it can do. Look at the hedge against currencies. Those are all nice thoughts. But the function as that kind of store of value, one of the things is it really needs to be simple and easy to understand. You mentioned something that obviously a significant hurdle for Bitcoin, and this is this idea of safety, your digital wallet being safe every single day. We know of people getting robbed or mugged or their money being stolen, their dollars being stolen. Right? But it’s rather unlikely that someone’s going to get into your bank account and pull your money out without stealing your credit card or something of that nature. But even when that happens, Scott, the banks will usually cover you, right? But if somebody comes and takes my digital wallet, what happens? Scott Melker (12:21): If they’re not taking your digital wallet, per se, what they’re basically doing is they transfer your Bitcoin through many ways of hacking, but they’re sending their Bitcoin from your wallet into theirs and becomes untraceable. They spread it around and it’s gone and there’s no way to go get it back. So yes, you’re at tremendous risk, but there’s a flip side to that, which is that if you’re carrying cash, say you’re leading an African country right now, or you’re a refugee, or you’re running away from this virus and you get to the border, we’ve all heard the stories you want to come into the country, give us everything you’ve got. Your cash, your gold, your everything. So physical goods are still far easier to steal and in an environment like that, going back to it, yes, we’re not talking about going into your bank and stealing your money. Scott Melker (13:02): But if you’re really in a desperate situation and you have physical goods, those are more likely to be taken from you. If you have your seed phrases in your head, you don’t even need to have a physical hardware wallet, all that is the place to store your private keys. Well, your Bitcoin goes with you wherever you go, and nobody can steal it from you in that regard. So as a hedge against bad actors, as a hedge against dishonest government or the hedge against all of these bad things that could be coming for us in the future, and I’m not trying to be alarmist, I don’t think we’re going on mad max or anything, but it happens in other places in the world and Bitcoin or some digital currency can save your life. In that scenario, you will be able to trim back when you cross that border. James Di Virgilio (13:40): And this is not historically unprecedented. If you think back on the history of gold and monetary value in general, that same problem that you just illustrated was the original problem that led to winding up with a dollar in your pocket, right? That was the issue. Hey, I’m carrying all of this value from the goods that I have just transacted with. And now I’m at risk of being robbed or mugged, or my train is going to get stolen. And so how do we find a way to deposit money now in the city I’m in. Travel to the next one with effectively, nothing but still have access to that money. And that was a very, a nice example. I think of something that does become appealing in a frontier situation. If you will, now let’s focus back in on trading it. You mentioned it’s very speculative in a lot of ways and an overly simplified version trading Bitcoin, it sort of feels like tulip mania and that it’s largely people driven. That’s kind of what you’re talking about. When you’re looking at sentiment and charts, no one has any idea what Bitcoin is worth, right? And you couldn’t tell me what it’s worth, but it’s fundamentally worth what you’re looking at is what people think that it’s worth. Talk a little bit about the human behavior impact on cryptos. Scott Melker (14:41): So it’s my opinion and on chain metrics, somewhat support this, but everybody has their own opinion. I believe if you look at the way that Bitcoin transacts, the it moves between exchanges and the ways that it trades is that it’s still a highly manipulated asset. And by the way, I believe everything is a highly manipulated asset. So that’s not necessarily a point against, but it’s a highly manipulated asset. That’s traded by a few huge players. That’s in our industry. We like to call whales and effectively in markets in general, they just players like compound operator or whatever you want to call them. Their general goal is to inflict as much pain on retail as possible. They want to take advantage of where your stop loss might be or where you might be interested in buying and selling. And they want to just basically abuse you. And that’s the way that markets work. And so it’s a very frictionless environment with Bitcoin trading. One person with a whole lot of Bitcoin can move the books, 30, 40, 50% in a matter of hours, but that offers a tremendous amount of opportunity. If you’re a trader and you can get on the right side of those moves, which is basically what I mentioned earlier, that you think about it. Everybody I think is somewhat, at least superficially aware of what happened to Bitcoin two weeks ago. And it dropped 50% in one day. But if you look at the on chain metrics, 70% of all Bitcoin basically has not moved in ages, right? It’s the people who mine it, the original holders, whatever they’re holding onto it for dear life, it’s going nowhere. So when you look at the way that Bitcoin moved around and also there’s a huge percentage that’s been lost, and obviously there’s a finite amount of Bitcoin that’s going to ever be mined. So you’re really talking about 20, 25% of the Bitcoin that exists in the world is what’s being traded and moved around and affecting the price of the market. So it’s very strange in that regard, but if you look at what was happening, it’s basically a few people likely got together and decided, Hey, we’re just going to dump all this Bitcoin on the market, on the exchanges. And we’re going to absolutely destroy the price. Why would they do that? There’s a million reasons to speculate. Maybe they had a margin call because the market was crashing and they had to sell Bitcoin for a margin call. Maybe they’ve mined so much Bitcoin since 2009 or 2010, that they have so much supply to dump on the market. That for them, it doesn’t matter if they sell it at 20,000 or 2000, it’s just profit. They did it for a dollar who cares if they sell it for 2000 or 10,000, maybe they want to move into cash. It doesn’t really matter the reason. We just know that it’s a few people who are doing it, but when you look at the price of Bitcoin, as we speak in the mid six thousands, it dropped basically from 8,000 to 3,600, that’s a humongous move, but it’s already back to 6,600. And from 3,600, it bounced to almost 6,000 in a matter of 12 hours. So as a trader theres far more money to be made by longing catching the bottom, buying somewhere between 3,640-4500 and just selling it 12 hours later at 6,000 than there even was in being short or selling during that entire move down. James Di Virgilio (17:34): So right. I mean, absolutely. Is there any element of catching a falling knife there? Did you just time that based upon, Hey, I caught the falling knife correctly, it didn’t cut me. Or is there a level of predictability, like you said, you’re telling story of really low volume, significant price trades that you feel like, Hey, there is a floor here, right? Basically cryptocurrencies, aren’t going to zero. Bitcoin’s not going to zero. Scott Melker (17:58): Right. It’s not, but there’s a leverage exchange. That’s the biggest in the world that almost took Bitcoin to zero during that move because of an inefficient exchange. So Bitcoin on that exchange could have touched zero that day. If it had not turned the exchange off, which is somewhat astounding and shows you how much the market is affected by traders and those being high leverage traders, which is effectively worse odds than throwing craps in Vegas, at least you get free drinks there. I think there’s always an element of touching a falling knife. I generally, as a trader and this becomes a technical thing, but I look for when a level that seems key is recaptured as support, as opposed to just trying to catch it on the way down. But I’ll tell you, I got very lucky on that move. I had orders at 4,000 that had been sitting there for I mean months and it happened in the middle of the night. I woke up, I looked at my phone, the price of Bitcoin was $5,800. And I had bought it at $4,000, three hours before, while I was sleeping. I sold it immediately for an almost 50% profit. James Di Virgilio (18:54): Yeah. Those are the moments as a trader, right? That keep you coming back now, how do we apply this? What’s your advice for the average family out there? They’re investing in their 401k. They’ve got some real estate they’re doing the very normal things. How do they employ or should they employ Bitcoin or a crypto in their portfolio? Scott Melker (19:12): I’m certainly not a financial advisor. I guess I should put that disclaimer out there. As I mentioned before, I believe that everybody should have at least minimal exposure to it. 1%, 2%, for me, I’m comfortable more 5% to 10%, but how do you do that? I think that the best way, like any market might invest in your 401k is to start small and dollar cost average until you have a full position. I mean, it’s such a volatile asset that one week you can be buying it at $8,000 in the next week at $3000 and then a week later at $14,000. So trying to catch a price that you’re comfortable with for most people, if they’re not traders is an extremely uncomfortable thing. So set up an automatic buy and buy $500 worth of Bitcoin every Monday until you’ve bought the $10,000 allotment that you have for yourself or do it once a month or whatever that is. I think that’s safer for more mentally stable people than traders, the safer and smarter way probably to acquire a position. James Di Virgilio (20:06): So Bitcoin is a tremendously creative and innovative idea. If this podcast could interview the founder of Bitcoin, of course, no one really knows exactly who this person is. Right. We would certainly do it because of creativity. I often find that fields overlap in life, whether you’re an artist or a musician or a trader, you can find commonalities. What commonalities have you found between your life as a musician and your life as a crypto guru? Scott Melker (20:31): The obvious ones, which is that I’ve forged the path where I never had to have a boss, which is always very important to me. It’s funny you guys had my dad on the show recently, definitely got the best of what the Melker had to offer in that case. You know, my parents and I was very fortunate. They sent me to an Ivy League University. They were able to leave me without student debt. And then one day I called them and said, I’m going to be a DJ. When I graduated with my Ivy League degree, I could have gone at that time. It was very easy to get investment banking job and go to the wall street route, like all of my friends, but I was just never the kind of person. I don’t know if it’s an acceptance of authority or that I’m a bit of an ADHD case and I’m scattered. And I don’t fit into those environments, but I was always someone who was trying to forge my own path. So I’d say the most common theme obviously is that I make my own schedule. I work when I want to work and I worked as hard as I want to work, which usually is very hard, honestly, when you’re doing it yourself. So that’s one I can tell you on a creative level, it’s very funny. I produced music for forever and using all of these different DWS, you have all your workstations, Ableton, Logic, Pro Tools. To me, it almost feels the same to sit in front of a naked chart and draw the patterns and lines. Even the shortcuts that you use on the keyboard are very familiar. So to me it’s actually very interesting, I almost feel like I’m making music when I’m drawing and identifying levels on a chart. And that’s something that other musicians have actually mentioned to me as well. So there is some creativity and kind of a big game, but I would say that those are the biggest similarities. Really. I think that transition was more of retaining the same sort of lifestyle of being a self starter and not having to really answer to someone James Di Virgilio (22:05): Let’s go to that moment where you told your parents that you were going to be a DJ after graduating from an Ivy League school. What was that moment like for them and for you? Were they supportive? Were they frustrated? Tell me about that. Scott Melker (22:18): My parents have never been, even for one second of my life, anything other than supportive, it’s more nuanced than that. So first I want to see a music business while also deejaying. So I got a job in New York with a music agent moved to New York. And the first day that I showed up for my job, he told me that he had given the job to his nephew instead. So it was a somewhat forced exit from the music business very early in that regard, but deejaying and making music was always at the core of what I wanted to do. My parents were extremely supportive. I think they always believed that I would find success one way or another. And I didn’t always, I mean, I’ve failed more than I exceeded to some degree. JingingThat’s definitely stumbled forward through certain portions of my life. And I have needed help. There was a time when I was an Ivy League graduate five years out of college and I was deejaying once or twice a week in New York at night for some somewhat of a pittance. And I was delivering packages during the day while all my friends were on wall street. It definitely, wasn’t always easy, but my parents never batted an eye for a second. I have an older brother who’s a very successful physician. So I think that I can’t speak to their mentality about it, but I guess it’s good that they had one who was on the right path out of the way all right for their creative lunatics son kind of came through. But yeah, I’ve never had a conversation with my parents that I felt was uncomfortable about my future, because I always knew that they would talk it through with me, provide good advice and then get behind me. James Di Virgilio (23:37): So they gave you a lot of independence and what that independence, you find yourself in New York, you’re deejaying a couple of gigs. You’re delivering packages. What was your mindset at that time? And how’d you get through it? How’d you stick with following your passion, pursuing the path you were on? Scott Melker (23:53): It was hard. I was broke and there wasn’t really that much hope, I guess. I mean, I always had hope, but there was no really a major light at the end of the tunnel. At that point, musically, I was playing local bars and clubs every once in a while. I get a big club gig, but you’re talking about sustaining yourself without health insurance. You know, you have to pay for your own health insurance or without any guarantee that that gig will be there next week. So great. You made $500 tonight, but maybe next Friday the club’s going to close or nobody’s going to show up and you’re not going to have a job the next week. So it was always a constant grind and hustle for the next gig or the next thing. And then eventually like an actor or any musician, you kind of catch your break for me, it was in 2006, a friend called me in and said, listen, they’re auditioning DJs for this big tour in Japan, they audition 50 DJs. I got the job for an artist named Toshi Kubota, who is effectively, you know, they call them the Michael Jackson in Japan. It was his 20th anniversary tour. I had no idea what a big deal it was. I was just trying to get a job. I happened to bond with the drummer who was doing the auditions and we kind of jammed out. And so I spent the next two months rehearsing. And then five months after that, traveling in Japan, playing stadiums in 30,000 to 50,000 person shows as the DJ and opening act and percussionist in a 14 person band for this huge Japanese artists that not only offered some financial help because I got paid well for it. But it also gave me a lot of confidence in the platform to jump from there and do other things. James Di Virgilio (25:18): So you mentioned that you’ve failed quite a bit, right? Like anyone who’s done anything successfully, especially somebody who’s blazed a trail on their own. How did you keep learning from the failure without letting it beat you down to the point where you would just quit? Scott Melker (25:32): I dunno. I think it becomes routine to some degree, not to say that you become negative about it, but hope for the best, but prepare for the worst. I started a print publication in Philadelphia after I moved back from New York to Philadelphia, where I went to school and it launched and it was really like great success, well received. And two months later, 9/11 happened and all the businesses that were my advertisers started to go out of business. And so that was interesting experience and kind of lighten it probably to a lot. What’s going to happen to people now, but I think I’ve always had a positive support system for better or for worse. I would say that I knew that if something really went bad, I would have a soft landing. I never feared being homeless. I could have always gone back to my parents. I never did, but I guess mentally, you know that. And so I’m very fortunate to have a good support system in that regard as well, but I really never cared so much when I failed. I always just looked on the bright side and enjoyed what I was doing. I absolutely absolutely loved music from the earliest age. I started playing piano at five. I was a singer and saxophone player and everything. So it was just, music was always what I wanted to do. So at any point, regardless of what my financial situation was or how much I was working, I was just really excited be making music and to be a part of that scene, my passion for what I was actually doing, carried me through largely the rough times. James Di Virgilio (26:50): And this is interesting because given your background as a musician, what would you say to people that are inspiring to follow their passion, but maybe there’s no money in it or there’s inability to make a career out of it at the moment, do you have a view on the balance between continuing to drive for your passion, but also maybe providing for yourself and your future and your family. It’s a delicate dance to make. What’s your counsel on that? Having done that successfully kind of in several arenas. Scott Melker (27:16): I think it’s largely dependent on the individual, their financial situation, where they are in their life. And again, like how much of, I guess a support system they have. I think that at a certain age, you probably have to give up and become realistic. If you have a family, if you have kids, but if you’re a single person in this world with a true passion, I think that you should give it everything you possibly have until you can’t anymore. I know that if I had quit in 2005, I would have never known what was coming for me. But I really think that I would have a lot of regret not try my best and most passions that people have are things that they could probably do part time to some degree, go to your job and then come home and sacrifice your sleep and sleep four hours a night and make music and get it out there. I mean, it’s never been a time in history where it’s been easier with social media and all of these platforms, the SoundCloud and Spotify to get your work out there. When I was making music, I was one of those guys, on Canal St in New York City with CDs trying to get stores to sell my CDs and handing them out to strangers and stuff. So it is much easier now I think, I mean, you have to cut through the noise, but if you’re truly talented and you truly believe and you work hard enough, listen, the important thing to understand is you can be passionate about something, but if you’re bad at it, it’s not going to happen. I hate to say that, but if you have a discernible talent and you try your hardest, I do believe that the career that you dreamed of probably won’t happen. But I do think that you can probably make a living pursuing your passion. James Di Virgilio (28:40): Yeah. I think that’s really good advice. You balanced a lot of things there. One is balancing responsibility. Where are you in life? Who are you responsible for, is what you’re doing, going to cause others to have to pick up the slack for you towards significantly alters their life. And then secondarily, if you are actually really good at something and you continue to do it, if you live in a society that’s free and able to invest in that sort of talent, I totally agree with you. It could be longer than you wanted it to be, but at some point in time, if you are good, if you are skilled, you will find a way to be able to craft something out of that. Now, who knows how much you’ll get out of that. But that’s a good feedback mechanism. And often failure, Scott is obviously feedback. It tells us whether or not we should continue or whether we should keep going as a trader. You know, the failure is really a part of every single day, practically in your life. Uh, because traders traders are seeking to make very small wins, right? 52%, 53%, 54% of your trades are wins. You’re a hero. You’re a legend. So failure is something you learned to live with. I think it’s very helpful. I read on your Twitter about how you said really emotionally. You’re not that involved in what happens if you lose a lot, you can take it. You have a high pain tolerance, and it makes sense, given what you’ve just said in your life, there’s a lot of dots connecting there to the foundational floor. You’ve built what you view as success, which you view as failure. And one thing I’m not hearing a lot in your story is a prideful angle. I’m hearing a lot of humility with, Hey, I’m going after what I like and what I enjoy. And if I fail, it doesn’t mean I, myself am a failure as a person. It’s a chance for me to respond to what I’m learning. Scott Melker (30:06): I’ve never heard it put that way, but I do think humility was another thing that was deeply ingrained from my parents. I just feel like unless you become the biggest artist in the world or the biggest, this and that, where your ego is being fed 24/7. And I think that most people probably maintain that humility because especially as an artist, you know, that it can all be taken away from you in a second. I mean, how many, one hit wonders are there who bought their Ferrari and then returned it for half or had it repoed six months later? It’s just the reality of being a creative is that it’s not the 1950s. You don’t have a job your entire life. You don’t have a pension. Eventually you probably are not going to be at the top of your game and it’s somewhat a cycle. So I think that you just have to accept that whether you want to skin it as failure or whether it’s just the downturn or whether it’s that slow, steep descent from popularity into oblivion, that it’s coming for. Almost all of us who are not, like I said, just add a job and working for a boss who is able that boring and, and you know that you’ll have your job. So I don’t see how you can really be too prideful. You know, I’m proud of the things I’ve accomplished, but I also recognize that it was not all my doing. I had a lot of support and that it was very hard along the way. James Di Virgilio (31:13): Scott, it’s been excellent talking with you today. Kind of getting your background, hearing your stories, talking about cryptocurrency, music, trading. So many things you can follow Scott and find a lot of his insights on his Twitter feed the Wolf of all streets. Very interesting stuff there. He is Scott Melker. Scott, thank you for joining us today. Scott Melker (31:31): Well, thank you so much. It was really my pleasure. James Di Virgilio (31:33): And for Radio Cade, I’m James Di Virgilio Outro (31:37): Radio Cade is produced by the Cade Museum for Creativity and Invention located in Gainesville, Florida. This podcast episodes host was James Di Virgilio and Ellie Thom coordinates, inventor interviews, podcasts are recorded at Heartwood Soundstage and edited and mixed by Bob McPeak. The Radio Cade theme song was produced and performed by Tracy Collins and features violinists, Jacob Lawson.

We kicked off the start of our ongoing livestreams with the announcement of Psymposia's 501(c)(3) non-profit status, discussions of corporadelic dynamics, fond memories of helping people learn how to extract psychedelic drugs during an Ivy League University's psychedelic conference, and a whole bunch of back and forth with the audience about the current state (and future) of psychedelia. Catch our next livestream on December 17 at 8pm ET and feel free to send questions our way in advance, on Twitter @psymposia or via email: hi at psymposia dot com. Support the show on Patreon. Co-hosts: Brian Normand, Neşe Devenot, David Nickles, Brian Pace, Russell Hausfeld. Editor: Matt Payne

Raj Valli: Founder & CEO of Thinkster talks with me about Thinkster Math, Thinkster apps, test prep, and tutoring. This is episode 326 of Teaching Learning Leading K12, an audio podcast. Raj Valli founded - Thinkster.  He is a data and statistics guy at heart. As a certified Six Sigma Black Belt, he helped multi-billion dollar companies save money by making sure that their products and services were of the highest quality. Six Sigma means having less than 3.4 defects per 1 million pieces of anything you produce - engines, coffee cups, your shirt...tutoring….anything! That’s outstanding almost defect-free quality! He has worked for major multi-billion dollar corporations leading functional areas in marketing, finance, operations, strategy, and M&A, across Aerospace, Automotive, Life Sciences, Chemicals, Materials, Pharmaceuticals, Industrial Controls, BioTech, Services, and Software. He spent 20+ years volunteering his time to help provide basic education for underprivileged children. Several years ago, his daughters were using a worksheet based math learning program (like Kumon, Mathnasium) to help accelerate their math learning. He was frustrated by the lack of progress they were having in truly understanding math concepts. They were getting really good in the process of solving math problems in a very formulaic way without really understanding why they were doing what they were doing. He looked everywhere for a math program that would let his daughter’s learn math for life and not just for a test or completing homework.  He wanted a guaranteed approach to learning math. Not hope. But GUARANTEED! Like, Six-Sigma defect-free!  He knew that if they had a real strong foundation in math, it would take them places. He found nothing other than a few books on the topic or needed to hire an excellent math tutor for $100/hour. He took matters into his own hands and looked for efficient and fool-proof ways of getting students to learn not only math, but to develop a strong foundation in problem solving skills and to help them improve their critical thinking and logical reasoning skills.  He wanted them to develop the capacity to unpack and solve ANY problems in life - not just math problems. His strategy worked so well, that it got his daughters to ace math in middle and high school and eventually it also helped them into a top Ivy League University. This strategy became Thinkster….   Lots to learn today. Thanks for listening. Don't forget to share & subscribe. Enjoy!   Connect and Learn More: https://hellothinkster.com/ https://www.youtube.com/channel/UCYJdwYjaKLSYovlcW8x_GHw https://www.linkedin.com/in/rajvalli/ https://twitter.com/hellothinkster https://www.facebook.com/ThinksterMath/?fref=ts   Length - 46:03

Jon and The Brandt Brothers discuss diversity in the workplace and treating each other with respect.  The Brandt Brothers, Ralph, and Rich are identical twins who together started RDR Group—a training and consulting firm that has been addressing issues like diversity, harassment, customer service, incivility, and how to create a positive workplace for over twenty years. It is their belief that training has to go beyond knowing to doing. They are currently working with an Ivy League University to provide scientific proof that training can change people when coupled with the right follow-up practices. Ralph and Rich have spoken to audiences in forty-nine of the fifty states, as well as on three continents and in eight countries. They have delivered over 30,000 training sessions to over half a million participants on dozens of business-related subjects. They have served hundreds of companies in various industries including healthcare, universities, government agencies, and non-profit organizations. In addition to training managers and employees at all levels, they have worked with the top executive teams at organizations such as Cisco Systems, Ford, General Motors, Kellogg, Kroger, Kimberly Clark, State Farm, and Sprint.  Connect with The Brandt Brothers: https://www.linkedin.com/company/rdr-group-inc/ https://www.facebook.com/RDRGroupInc/ Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/ LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon’s Book: The Think Big Movement: Grow your business big. Very Big!

Sales Myth: You Have to Sell Yourself Most of us, at one time or another in our careers, have heard some trainer or manager exclaim, “You have to sell yourself.” “If you want to get that job, son, you have to sell yourself.” “The real key to sales is your ability to sell yourself.” “If you want others to like you, you’ll have to sell yourself.” The Sell Yourself Cliche This philosophy is prevalent in business culture. A while back, I was at an Ivy League University for a speech by a successful businessman to a group of MBA students from the top business schools in the world. The speaker was so well respected that when he walked into the room there was a hush. The audience members were on the edge of their seats in anticipation. And what was the message? What was the secret of success that this revered businessman offered? “Never forget how important it is in business to first sell yourself.” The entire audience nodded in unison. For this wise man and many others, the phrase sell yourself  has become an easy-to-use cliche´. It just rolls off the tongue. Like the audience at the speech I attended, most people will nod their heads in agreement to the statement as if some prophet on a hill had just read it from stone tablets. People Buy You for Their Reasons, Not Yours Sales expert and bestselling author Jeffrey Gitomer teaches a simple philosophy, “People love to buy but they hate to be sold.” In other words, most people prefer to buy on their terms. They do not want or appreciate a hard pitch or a features dump. They buy for their reasons not yours. Yet daily salespeople across the globe, on the phone, video calls, email, social media, and in person, sell to their customers by dumping data, pushing their position, or simply trying to talk their way into a sale. They sell themselves to anyone else they can get to stand still for more than five minutes. But it does not work, because people like to buy, they don’t like to be sold. When You Try to Sell Yourself You Push People Away The harder you try to sell yourself to others, the more you push them away. A conversation where the other person tells you all about themselves, their accomplishments, and how great they are is a turnoff. It is a features dump. Think about it, the most unlikeable human in the world is the person standing in front of you talking about themself. You don’t walk away from that conversation thinking how much you would like to spend more time with them. Instead you think, “What a jerk,” or “How boring,” or “Wow,  that guy is full of himself.” We Love to Talk About Our Favorite Person Still, we do love the opportunity to sell ourselves. Most of us, if given the opportunity, will talk for hours about our favorite person, oblivious to the negative impact it has on how we are viewed by others. When pressed, experts who are quick to tell you to sell yourself, are unable to explain exactly how to do it. Sure, they will offer tips, but it's mostly hyperbole. Here is the brutal truth: You cannot sell yourself to others; you have to get others to buy you on their terms. You're Talking, They Aren't Buying Even if you are preceded by a great reputation and others are anticipating meeting you, your attempts to sell yourself can backfire. I learned this lesson at a speech I gave to a large dinner group. One of the audience members was such a big fan of one of my books, that he lobbied the meeting organizer to be seated right next to me. During dinner he asked me questions, and I talked and talked and talked—about me. A few days after the speech, I called the meeting organizer to follow up and offer my thanks. I thanked him for seating Daniel next to me and asked him if Daniel had had a good time. He hesitated for a moment and finally said, “I’m telling you this because I like you; but Daniel did not come away with a very good opinion of you.” It was like being punched in the gut!

Maia & E'yen talk are excited about their son going to college and getting accepted into an Ivy League University! --- Support this podcast: https://anchor.fm/babeletstalk/support

(Recorded 4/7/2020)Yale University Students share why they chose Yale. These 3 students (two of whom are first-generation college students) discuss finding community as a racial minority on a campus with only a 7% black student population. They talk about resolving issues with roommates, how they got involved with student organizations such as Yale Community Council, Yale Association for African Peace and Development, AIESEC Yale and more. They also share their personal stories of rejection and feelings of vulnerability as they started their journey toward life at an Ivy League University and reaching positions of leadershipPANELIST'S INSTAGRAM:Athena Stenor: @ihada_dream_aboutthisKahlil Greene: @Kahlil.GreeneSeyade Tadele: @sey_tadeleLINKS: Afro-American Cultural Center: https://afam.yalecollege.yale.edu/Fastweb Scholarship Search: https://www.fastweb.com/ #yale #university #college #admissions #ivyleague #advice #firstgen #africanamerican #minority #equity #collegelifeSUBSCRIBE TO BEFORE COLLEGE TV GET THE LATEST INTERVIEWSTEXT HARLAN: 321-345-9070INSTAGRAM: https://instagram.com/HarlanCohenFACEBOOK: https://www.facebook.com/HelpMeHarlan/TWITTER: http://Twitter.com/HarlanCohenWEBSITE: www.HarlanCohen.com | www.BeforeCollegeTVBEFORE COLLEGE TV: HOSTED BY HARLAN COHEN |  @HarlanCohen

Mark Anthony the Psychic Lawyer®/Psychic Explorer® is the author of the award winning, critically acclaimed best-sellers Never Letting Go and Evidence of Eternity. He is a world-renowned fourth generation psychic medium who communicates with spirits. Mark is an Oxford educated attorney licensed to practice law in Florida, Washington D.C. and before the United States Supreme Court. Mark is featured regularly on Television, major talk radio shows and in print media. Mark Anthony is also known as the Psychic Explorer. The media has referred to him as the “Psychic Indiana Jones” due to his extensive background in science, quantum physics, survival of consciousness and near-death experiences, history, archaeology, philosophy and theology. One day Mark may be lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena. To learn more about Mark Anthony and his work, please visit www.evidenceofeternity.com

Mark Anthony the Psychic Lawyer®/Psychic Explorer® is the author of the award winning, critically acclaimed best-sellers Never Letting Go and Evidence of Eternity. He is a world-renowned fourth generation psychic medium who communicates with spirits. Mark is an Oxford educated attorney licensed to practice law in Florida, Washington D.C. and before the United States Supreme Court. Mark is featured regularly on Television, major talk radio shows and in print media.Mark Anthony is also known as the Psychic Explorer. The media has referred to him as the “Psychic Indiana Jones” due to his extensive background in science, quantum physics, survival of consciousness and near-death experiences, history, archaeology, philosophy and theology. One day Mark may be lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena.Today’s show is all about live readings!To learn more about Mark Anthony and his work, please visit www.evidenceofeternity.com To get your copy of Never Letting Go, please visit our Amazon.com affiliate link.To learn more about Provocative Enlightenment Radio, go to http://www.provocativeenlightenment.com

Today I had the pleasure of chatting with Jackie Olemberg, she graduated from The University of Pennsylvania, one of the most prestigious schools in the country with a current rate of acceptance of 9%. Jackie started the process when she was 14, she explained to me this challenging process of achieving a dream that most people told her she was not capable of doing it. You will love Jackie's determination and her fighting spirit of never giving up! Jackie graduated with a Bachelor of Arts in Communication Class of 2018, and a Masters of Science Nonprofit Leadership 2019 at "The University of Pennsylvania". YouTube Version:  https://youtu.be/4SexN7I7K-Y     

Jake, Marcus, and Brandon are three former enlisted Marines who are each attending an Ivy League University. They started Next Step Inbound to help other veterans reach their academic goals.

Ready for a better life after 40? It’s never too late. Believe it? Or just hear or say it? Natalie Matushenko, PCC, CPCC is a leadership coach, best-selling co-author, Ivy League University and top business school graduate and adventurer. Over the past twenty years, she has helped thousands of soulful go-getters make a huge impact in the world while creating lives they love. Natalie left a high-flying career in international development to pursue her own version of success. She has lived in five countries and has traveled extensively to over 60 countries. Natalie currently splits her time between Colombia, South America and the United States and spends a few months a year traveling the world with her husband and three daughters. So no doubt this time in our lives has changed yours significantly in regard to travel. Since no one is traveling for the moment, share which of five countries (and which 5?) Is there a favorite? Questions We Answer in this Episode: - What led you to create the Extraordinary Life After 40 summit? - What were some of your biggest nuggets of wisdom from the experts you interviewed for the summit? - Why is uncovering your passions and living your purpose so important after 50? - You always say that it's never too late, tell us more about that. - What holds women back from reaching for an extraordinary life? Join the Summit: https://extraordinarylifeafter40.com

Creating an abundantly aligned and extraordinary life is within your grasp. All you need to do is believe in yourself, set firm boundaries, and set your intention to live your wildest dreams. I’m joined by Natalie Matushenko who talks us through her seven steps to an extraordinary life. About Natalie Matushenko Natalie Matushenko, PCC, CPCC is a leadership coach, best-selling author, transformational teacher, Ivy League University and top business school graduate, and adventurer. Over the past twenty years, she has helped thousands of soulful go-getters make a huge impact in the world while creating lives they love.  Natalie left a high-flying career in international development to pursue her own version of success. She has lived in five countries and has traveled extensively to over 60 countries. Natalie currently splits her time between Colombia, South America, and the United States and spends a couple of months a year traveling the world with her husband and three daughters. How to Create a Life of Passion, Purpose, and Fulfillment What a breath of fresh air Natalie is! I’m delighted to have her join me on this episode of The Girlfriend Doctor to talk about how we can actually create the life of our dreams.  Does following your passion and purpose sound scary? It doesn’t have to be. Natalie breaks it down into seven easy steps to living that extraordinary life I know you have ahead of you. The beauty of these seven steps is that Natalie trusts that every single woman listening to this podcast episode can use them to create the life you truly desire to live. They’re manageable and when you take that step past your fear, your whole life is right there in front of you. Showing up every single day to do the hard work is essential to creating this dream life. Yes, that means when you’re tired and yes, that’s when you’re afraid. When you make consistent, aligned action, you’re manifesting your ultimate dreams. You also need to set firm boundaries with where you spend your time - and, maybe, more importantly, with whom. Protect your energy. And know in your heart when your yes means yes and when you need to say no to something. Saying no opens up your life to a world of possibilities. Using Change to Fuel A Life of Abundant, Aligned Action Natalie explains what happens when you find a group of like-minded women. Interacting with women on a similar path as you helps you feel more inspired to create inspired action to live a life following your purpose and passion. This time that we’re currently in is one of huge change and flux for not just us, but most of the world. Like the phoenix, that rises renewed from the flames, so too can we. When we use these periods of chaos, we can actually recreate ourselves and the lives that we truly want to live. It’s time to rise, ladies, and start living the that extraordinary life you’re destined for. Celebrate something that you can smile about and love yourself for. And share what it is with us! Share with your neighbors. Share with everyone what you’re celebrating. As always, you can ask me anything and let me hear your thoughts in the comments on the episode page. If you have questions, email team@drannacabeca.com.   In This Episode: What the seven key steps to leading an extraordinary life are [7:00] Why you need to show up to do the hard work every single day [10:45] How to set and stick to realistic boundaries, letting your yes mean yes and your no mean no [12:10] What happens when you create a community of like-minded people who inspire you [13:15] How to use times of chaos to discover what you truly want to do in your life [19:15]   Key Takeaways: Taking daily action that scares you will help you align yourself with the life of passion and purpose you truly strive for. Discovering your passion could be as simple as finding joy in painting and creating or it could be as big as uprooting and changing your entire life perspective.  Our happiness is not externally dependent. Where we put our energy and focus will manifest in our life.    Quotes: “One of the biggest reasons people don’t go for their passion and purpose, don’t create a life that’s as extraordinary as it could be, is because we’re afraid.” [9:11] “We have to feel our feelings and our grief over the things that we may have lost either temporarily or in the longer term. And what you focus on grows. It’s honoring what is, but at the same time, I firmly believe that there is nothing like times of pure chaos to create something different.” [19:10] “Perimenopausal women are at a tremendous time when our changing hormones will really call us to go within and to shed whatever’s not working, adopt whatever will help us thrive so that we can feel sexy, vibrant, healthy, and successful into our 40s, 50s, 60s and beyond.” [28:38]   Resources Mentioned Sign up for the Extraordinary Life Summit! Get 10% off The Inspired Performance Institute Online Program Find Natalie Matushenko Online Follow Natalie Matushenko on Facebook | Twitter | Instagram | Pinterest Join the KetoGreen Community on Facebook Buy Keto-Green 16 Check out the full episode page Find Dr. Anna Online Follow Dr. Anna on Facebook | Instagram | Twitter   Related Episodes 144: Manifesting All The Luck You Need w/ Gay Hendricks & Carol Kline 137: Connecting To Your Inner Goddess w/ Dr. Christiane Northrup 130: The Link Between Your Beliefs & Your Longevity w/ Dr. Mario Martinez

Creating an abundantly aligned and extraordinary life is within your grasp. All you need to do is believe in yourself, set firm boundaries, and set your intention to live your wildest dreams. I'm joined by Natalie Matushenko who talks us through her seven steps to an extraordinary life. About Natalie Matushenko Natalie Matushenko, PCC, CPCC is a leadership coach, best-selling author, transformational teacher, Ivy League University and top business school graduate, and adventurer. Over the past twenty years, she has helped thousands of soulful go-getters make a huge impact in the world while creating lives they love.  Natalie left a high-flying career in international development to pursue her own version of success. She has lived in five countries and has traveled extensively to over 60 countries. Natalie currently splits her time between Colombia, South America, and the United States and spends a couple of months a year traveling the world with her husband and three daughters. How to Create a Life of Passion, Purpose, and Fulfillment What a breath of fresh air Natalie is! I'm delighted to have her join me on this episode of The Girlfriend Doctor to talk about how we can actually create the life of our dreams.  Does following your passion and purpose sound scary? It doesn't have to be. Natalie breaks it down into seven easy steps to living that extraordinary life I know you have ahead of you. The beauty of these seven steps is that Natalie trusts that every single woman listening to this podcast episode can use them to create the life you truly desire to live. They're manageable and when you take that step past your fear, your whole life is right there in front of you. Showing up every single day to do the hard work is essential to creating this dream life. Yes, that means when you're tired and yes, that's when you're afraid. When you make consistent, aligned action, you're manifesting your ultimate dreams. You also need to set firm boundaries with where you spend your time - and, maybe, more importantly, with whom. Protect your energy. And know in your heart when your yes means yes and when you need to say no to something. Saying no opens up your life to a world of possibilities. Using Change to Fuel A Life of Abundant, Aligned Action Natalie explains what happens when you find a group of like-minded women. Interacting with women on a similar path as you helps you feel more inspired to create inspired action to live a life following your purpose and passion. This time that we're currently in is one of huge change and flux for not just us, but most of the world. Like the phoenix, that rises renewed from the flames, so too can we. When we use these periods of chaos, we can actually recreate ourselves and the lives that we truly want to live. It's time to rise, ladies, and start living the that extraordinary life you're destined for. Celebrate something that you can smile about and love yourself for. And share what it is with us! Share with your neighbors. Share with everyone what you're celebrating. As always, you can ask me anything and let me hear your thoughts in the comments on the episode page. If you have questions, email team@drannacabeca.com.   In This Episode: What the seven key steps to leading an extraordinary life are [7:00] Why you need to show up to do the hard work every single day [10:45] How to set and stick to realistic boundaries, letting your yes mean yes and your no mean no [12:10] What happens when you create a community of like-minded people who inspire you [13:15] How to use times of chaos to discover what you truly want to do in your life [19:15]   Key Takeaways: Taking daily action that scares you will help you align yourself with the life of passion and purpose you truly strive for. Discovering your passion could be as simple as finding joy in painting and creating or it could be as big as uprooting and changing your entire life perspective.  Our happiness is not externally dependent. Where we put our energy and focus will manifest in our life.    Quotes: “One of the biggest reasons people don't go for their passion and purpose, don't create a life that's as extraordinary as it could be, is because we're afraid.” [9:11] “We have to feel our feelings and our grief over the things that we may have lost either temporarily or in the longer term. And what you focus on grows. It's honoring what is, but at the same time, I firmly believe that there is nothing like times of pure chaos to create something different.” [19:10] “Perimenopausal women are at a tremendous time when our changing hormones will really call us to go within and to shed whatever's not working, adopt whatever will help us thrive so that we can feel sexy, vibrant, healthy, and successful into our 40s, 50s, 60s and beyond.” [28:38]   Resources Mentioned Sign up for the Extraordinary Life Summit! Get 10% off The Inspired Performance Institute Online Program Find Natalie Matushenko Online Follow Natalie Matushenko on Facebook | Twitter | Instagram | Pinterest Join the KetoGreen Community on Facebook Buy Keto-Green 16 Check out the full episode page Find Dr. Anna Online Follow Dr. Anna on Facebook | Instagram | Twitter   Related Episodes 144: Manifesting All The Luck You Need w/ Gay Hendricks & Carol Kline 137: Connecting To Your Inner Goddess w/ Dr. Christiane Northrup 130: The Link Between Your Beliefs & Your Longevity w/ Dr. Mario Martinez

Want to know how to get into a Top Tier or Ivy League University? Tune in as host Madeleine Tseng interviews Julie Kim, a USC and Harvard Grad turned college consultant, about how to make YOUR college application stand out.

Amin Lakhani was born with a neuromuscular condition called Charcot-Marie-Tooth Syndrome (type 1b) which causes his muscles to atrophy over time. Growing up, his parents gave him a very specific message – “Amin, you won’t be able to perform physical labor, so you have to study and work hard if you want to succeed in life.”

 So he did. He was a straight-A student, graduated from an Ivy League University, and landed his dream job at Microsoft. By all external metrics of success, he was killing it. But internally, he was desolate. He had few friends and had never been on a date. There had to be more to life, right? 
When he finally mustered the courage to ask a girl out, the stars seemed to align because she said yes! But after their first (incredibly awkward) kiss, she said, "I’m sorry, I don't know how any woman could be attracted to a guy in a wheelchair." That was his absolute rock-bottom. So, he hired a dating coach. Over years of investing in himself, he learned how to form meaningful connections. People started to describe him as charismatic, confident, and unforgettable. He made friends everywhere he went, and ended up going on dates with over 40 women, of all different backgrounds, ethnicities, and even ages (from 19 to over 50). He experienced incredible sexual intimacy, lasting relationships, love, and of course, heartbreak. After realizing how much he had to share, he became a dating coach himself. And then one of his talks went viral on YouTube. The success was overwhelming! He was just a dude trying to find love, and sharing his successes and failures in the process. Suddenly millions of people around the world knew about him – but very few actually knew him. And he was just one thing to them – a dating coach with a disability. 

That realization sent him down a dark, depressed path. But lately, he’s found solace through comedy, which he now uses as a conduit to share his life and the lessons he’s learned—dating and beyond.
 We got to talk to Amin about: Having someone confirm your worst fear to your face. All of the limiting beliefs and inner critic messages he had to overcome in order to put himself out there in a meaningful way (and how you can, too). How eventually, he just got bored of his own insecurity, and how he broke free. His experiences with rejection, depression, success, and finding an outlet to express himself. Leave a comment after you’ve listened to share which of the many truthbombs Amin dropped hit you hardest! LAST DAY FOR GETTING OVER PEOPLE PLEASING! Today is the LAST day to enroll in Getting Over People Pleasing! Here are some quick details if you need them: You can pay in one or two installments. You can add on a single coaching session (something we don’t normally offer) at checkout for a reduced rate! We officially get started on Monday, August 30th. But as soon as you enroll there’s an intro lesson and multiple workbook assignments to get the ball rolling! The course will run for 4 weeks. We’ll release one new lesson each week, and at the end of the course we’ll host a live Zoom call to celebrate and wrap things up! There’s going to be a private forum where participants can connect, shares their stories, and get their questions answered directly by us. You can probably expect to commit 2-ish hours a week to this course. A small part of that time will be watching videos, and the rest will be diving into workbook assignments, as well as sharing in the forum if you want to. You have forever access to this course! That means whenever we run it again, you can join in if you choose. You could also enroll now, but do the content at your own pace, if this month isn’t a good time but you don’t want to miss out. Find out more and sign up here. GET TEXTS FROM CLARITY ON FIRE! Want to get weekly texts from us? Sign up here, OR … text your first name followed by your email address (Example: Hermione hgranger@hogwarts.edu) to 703-783-3223. LINKS Leave us a comment on this episode Take the Passion Profile Quiz Submit your question for a future episode of Dear Krachel Sign up for texts from us Check out our YouTube channel

Stratus Data Co-founder & Ivy League (University of Pennsylvania) Grad Charles Pensig Provides Fascinating Perspectives on Education - in Particular his Private School Path which Benefited him Immensely. What's Charles "go to" dish? Who does he think is a great role model for society? Who is Charles' hero? Answers to these questions are all in the episode. Enjoy the latest episode of EduK8 hosted by Brandon Na on Spotify, Apple, Google Podcasts, Breaker, Pocket Casts, RadioPublic, Overcast and wherever you listen to your favorite podcasts.

Meet Julia Ongchoco, a rising sophomore at the University of Pennsylvania. She used her passion for service, archery, and theater to make the most of her high school life––only to find out that she’ll be enjoying the privilege of studying at an Ivy League university for the next four years. We thank Julia for joining this special episode of the 730podcast. Do check her project out at givelife.ph. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/730lectures/message

Mark Anthony the Psychic Lawyer®/Psychic Explorer® is the author of the award winning, critically acclaimed best-sellers Never Letting Go and Evidence of Eternity. He is a world-renowned fourth generation psychic medium who communicates with spirits. Mark is an Oxford educated attorney licensed to practice law in Florida, Washington D.C. and before the United States Supreme Court. Mark is featured regularly on Television, major talk radio shows and in print media.Mark Anthony is also known as the Psychic Explorer. The media has referred to him as the “Psychic Indiana Jones” due to his extensive background in science, quantum physics, survival of consciousness and near-death experiences, history, archaeology, philosophy and theology. One day Mark may be lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena.Today’s show is all about live readings!To learn more about Mark Anthony and his work, please visit www.evidenceofeternity.com To get your copy of Never Letting Go, please visit our Amazon.com affiliate link.To learn more about Provocative Enlightenment Radio, go to http://www.provocativeenlightenment.com

Mark Anthony the Psychic Lawyer®/Psychic Explorer® is the author of the award winning, critically acclaimed best-sellers Never Letting Go and Evidence of Eternity. He is a world-renowned fourth generation psychic medium who communicates with spirits. Mark is an Oxford educated attorney licensed to practice law in Florida, Washington D.C. and before the United States Supreme Court. Mark is featured regularly on Television, major talk radio shows and in print media. Mark Anthony is also known as the Psychic Explorer. The media has referred to him as the “Psychic Indiana Jones” due to his extensive background in science, quantum physics, survival of consciousness and near-death experiences, history, archaeology, philosophy and theology. One day Mark may be lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena. To learn more about Mark Anthony and his work, please visit www.evidenceofeternity.com To get your copy of Never Letting Go, please visit our Amazon.com affiliate link.

Mark Anthony the Psychic Lawyer®/Psychic Explorer® is the author of the award winning, critically acclaimed best-sellers Never Letting Go and Evidence of Eternity. He is a world-renowned fourth generation psychic medium who communicates with spirits. Mark is an Oxford educated attorney licensed to practice law in Florida, Washington D.C. and before the United States Supreme Court. Mark is featured regularly on Television, major talk radio shows and in print media. Mark Anthony is also known as the Psychic Explorer. The media has referred to him as the “Psychic Indiana Jones” due to his extensive background in science, quantum physics, survival of consciousness and near-death experiences, history, archaeology, philosophy and theology. One day Mark may be lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena. To learn more about Mark Anthony and his work, please visit www.evidenceofeternity.com To get your copy of Never Letting Go, please visit our Amazon.com affiliate link.

Hi Guys.. We all have heard about the Ivy league universities and hum wahaa padhna bhi chahte hain. Par kab aur kaise admission milega, ye suniye aaj ke episode me..This is not just another interview wala episode. It has lots of music, lots of me laughter and of course, lots of surprises..Tune in to listen to Shambhavi, host of "How I got into the Ivies" and her journey of getting into the Ivy League University, aur main aapse milunga agle hafte.. Tab Tak #NoBakchodi..

Hi Guys.. We all have heard about the Ivy league universities and hum wahaa padhna bhi chahte hain. Par kab aur kaise admission milega, ye suniye aaj ke episode me..This is not just another interview wala episode. It has lots of music, lots of me laughter and of course, lots of surprises..Tune in to listen to Shambhavi, host of "How I got into the Ivies" and her journey of getting into the Ivy League University, aur main aapse milunga agle hafte.. Tab Tak #NoBakchodi..

Episode 16: Dr. Yannik Pitcan (ASIJ 2007) Data Scientist Yannik explains to Nick the common misconceptions people have about Harvard, and compare and contrasts his experience at a small private school (Harvard) in comparison to a large public school (UC Berkeley). He explains how Harvard has a "house system", which can largely dictate ones experience at the Ivy League University, and how he felt that the system at the UC's were much more "sink or swim" in comparison to Harvard that had a more thorough support system. Yannik explains to Nick why he decided to pursue a Ph.D., explains the differences between a "statistician" and.a "mathematician". Yannik goes on to talk about how rigorous high school was in comparison to college and earning a Ph.D., and how international schools in Tokyo prepped him well for schools like Harvard and Berkeley. That "If you can survive ASIJ, you can survive Harvard". The two discuss the role of "race" at Harvard vs Berkeley, and living in Florida v Boston v the Bay Area, and discuss the difference between implicit bias v overt racism. Yannik explains to Nick how there is almost a duality in thinking when it comes to race in areas like San Francisco, where there are signs indicating "Black Lives Matters", but very few Black individuals residing in city itself. Yannik explains to Nick how his industry of data science needs industry leaders of color in order to see true change. Dr. Yannick Pitcan (ASIJ 2007) Data Scientist ​ Yannik holds a Ph.D. in statistics from UC Berkeley. He is beginning a career as a senior data scientist at a pharmaceutical company in Chicago this fall. He studied mathematics and economics at Harvard, but as he got older, he transitioned more toward statistics and computer science because that's where the money was. ​When he isn't coming up with statistical models, you can find him playing futevolei on the beach, playing poker at a Vegas casino, or going on long drives blasting Tame Impala. Timestamps 0:00 Introduction

Mark Anthony the Psychic Lawyer®/Psychic Explorer® is the author of the award winning, critically acclaimed best-sellers Never Letting Go and Evidence of Eternity. He is a world-renowned fourth generation psychic medium who communicates with spirits. Mark is an Oxford educated attorney licensed to practice law in Florida, Washington D.C. and before the United States Supreme Court. Mark is featured regularly on Television, major talk radio shows and in print media. Mark Anthony is also known as the Psychic Explorer. The media has referred to him as the “Psychic Indiana Jones” due to his extensive background in science, quantum physics, survival of consciousness and near-death experiences, history, archaeology, philosophy and theology. One day Mark may be lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena. To learn more about Mark Anthony and his work, please visit www.evidenceofeternity.com To get your copy of Never Letting Go, please visit our Amazon.com affiliate link. To learn more about Provocative Enlightenment Radio, go to http://www.provocativeenlightenment.com

Today's show is a peek into the mindset it takes to become an Olympic and World Champion. Adam had an incredible collegiate and ultimately professional athletic career that resulted in two consecutive Olympic podiums and 3 total Olympics. He shares with us his journey from being a multi-sport high school all-american to selecting an Ivy League University over perennial southern sports powerhouse programs. We discuss the balancing act that was playing two Division 1 sports and the self-confidence it took to be unwavering in his commitment to excel at both. The winning of a national championship and how the decision to pursue a professional shot putting career and an Olympic dream almost didn't happen. A recurring theme throughout this show, Adam recounts how taking a bet on himself may have seemed the riskier choice but the one he had to make. He shares the attributes that set him apart as a young athlete and the evolution of his source of motivation that would ultimately propel him to Olympic champion. Reflecting back on the source of his determination, we talk about the impact his father had on his own success and how he as a father himself now thinks about setting his kids up to have the tools and mindset for success. Subsequently we have a candid conversation about the role adversity plays and the extent that it's a requisite to achieve your full potential. One to chart his own path, Adam explains why having hopes and dreams is not enough to get you to your goals and the term “Olympic Hopeful” requires revision. He describes his belief in taking action and why you have to be willing to push the boundaries if your goal is to be uncommon. The theme of extraordinary work ethic permeates throughout the conversation, but Adam shares how in a sport won and lost by inches he explored both physical and psychological to reach his peak performance. Listeners get to hear about his eccentric sports psychologist and his experience with visualization to get him into an ideal mental state to perform. Follow Adam: Instagram:  @adamnelson5376 Mentioned In the Show: Adam's Visualization Training with Pete Siegel: https://www.youtube.com/watch?v=pqtU3bO_DHM Follow The Professional Athlete Podcast with Ken Gunter:   Instagram: @the_professionalathlete Website: Kengunter.com Produced By: Justin Gunter, Ken Gunter Music By: Justin Gunter, Ken Gunter

Learn THE MOST IMPORTANT lesson I learned at an Ivy League University. The power of FOCUS and not being distracted by competing information. Focus and use your time well. Life lessons & college. The most important lesson. Most important things in life. Power of focus Dwight Schrute LIFE LESSONS - The Office US by The Office https://www.youtube.com/watch?v=aYWhD... 10 Things I Learned During my Freshman Year at Harvard by Sienna Santer https://www.youtube.com/watch?v=ETZ6W... Harvard Pulls Kyle Kashuv’s Acceptance | The Daily Show by The Daily Show with Trevor Noah https://www.youtube.com/watch?v=qj_cS... ---- By becoming a student of BestStockStrategy, you can maximize your trading profits AND reduce your risk while also saving yourself time and avoiding mistakes. We provide the absolute best strategy and education so that you can optimize your success and become consistently profitable. --------- ✔️ Receive $400+ of Free Training by visiting https://BestStockStrategy.com ✔️ Enroll as a Student (Options Trading Education & Real-Time Trade Alerts): https://beststockstrategy.com/members... ✔️ 7 Day Trial of Real-Time Trade Alerts for only $19: https://beststockstrategy.thrivecart.... ✔️ Receive a FREE week of trade alerts by signing up for Tastyworks using my referral code: https://start.tastyworks.com/#/login?... ✔️ Book a 30-Minute Call: https://beststockstrategy.thrivecart.... ✔️ Discover how to Land a Finance Job: Insider Secrets Revealed: https://LandaFinanceJob.com ✔️ **NEW** Podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/6J7zlcl... Stitcher: https://www.stitcher.com/podcast/weal... --------- BestStockStrategy provides the absolute best way to be a profitable trader in the stock market. You will receive the best financial education, real-time trade alerts and Options Trading education products You'll learn the best options trading strategy and you'll learn optimal stock market strategies that Tastytrade and Option Alpha don't teach. You can become successful in stock trading and learn how to make money by trading stock options Learn how to invest in the stock market, option market and how to make consistent profits in the financial markets. We teach our students how to become successful and profitable investors and traders. Please subscribe, comment, like & share this video.

Natalie Matushenko is an internationally acclaimed leadership coach, speaker, writer, adventurer, and creator of the Passion & Purpose Life Course®, which since 2001, has helped soulful go-getters figure out what they were put on this Earth to do and turn their many ideas, talents, and passions into successful purpose-driven businesses and creative projects while creating lives they love. Natalie has reinvented her life several times: from debilitating childhood trauma and addiction to Ivy League University, top business school and high flying job to living her dream life, splitting her time between South America and the US and spending a couple months a year traveling the world with her husband and three daughters. Natalie's website where you can get a FREE 12-Day Live with Passion & Purpose Program: https://nataliematushenko.com Her interview series, Women Living Passionately: Honest Conversations with Amazing Women Who Are Living Their Passion & Purpose https://nataliematushenko.com/series/ Facebook: https://www.facebook.com/nataliematushenkocoaching/

Benjamin Fields is a Double Major and Quadruple Minor at Cornell University... I know, he couldn't just go to an Ivy League school, he had to go above and beyond. But besides being an extreme scholar, Benjamin dealt with a lot of racism throughout high school and struggled with his grades during his first couple of years at Cornell. During this time, he started to come up with his own cheat codes about college which he reveals one in part 1 and the rest in part 2.

Mark Anthony the “Psychic Lawyer® and Psychic Explorer (aka Psychic Attorney and Psychic Adventurer),” is a world-renowned fourth generation science based evidential psychic medium who communicates with spirits. He is the author of the critically acclaimed Amazon and spiritual bestsellers Never Letting Go and Evidence of Eternity.Mark’s credentials and experience are unparalleled in the paranormal world. He is an Oxford educated trial attorney licensed to practice before the United States Supreme Court. In England he studied Mediumship at the prestigious Arthur Findlay College for the Advancement of Psychic Science.Dr. Gary Schwartz, Professor of Psychology, Medicine, Neurology, Psychiatry and Surgery at the University of Arizona and Director of the Laboratory for Advances in Consciousness and Health has ranked Mark as one of the top mediums in the United States. Mark Anthony the Psychic Lawyer is the media’s “Go To Guy” when the paranormal and legal system collide. He is featured regularly on TV and major Radio Shows nationwide. In 2017 he appeared on CBS TV’s Emmy Award Winning Show The Doctors where he performed a reading for a family in a brutal cold case. Information provided during the reading led to the murderer’s arrest in April 2018. Mark Anthony the Psychic Lawyer on the Emmy Award Winning National TV Show The DoctorsMark is a recurring guest on ABC, CBS, NBC, FOX Television and on major talk radio shows such as Coast to Coast AM, Darkness Radio, and Sirius XM as a psychic medium, paranormal and after death communication expert and legal analyst in high profile cases. He has been featured several publications including The Hollywood Times, The Huffington Post, The New York Post, Publisher’s Weekly, LifeStyle Magazine, Horizon’s Magazine, The Inquisitr, Staten Island Today, OM Times, Elite Man Magazine, Natural Awakenings, Infinity Magazine (Canada) and Spirituality Today (UK).A charismatic, intelligent and humorous accomplished public speaker, Mark headlines at conventions, expos and spiritual organizations such as the Edgar Cayce A.R.E., IANDS (International Association for Near-Death Studies), Afterlife Research Education Institute (AREI), Sedona Spirit Symposium, Vail Symposium and universities including Brown, Columbia, Harvard and Yale.Mark Anthony has the reputation as the “Psychic Indiana Jones.” In addition to his expertise as an attorney, he has an extensive background in science, quantum physics, survival of consciousness and near death experiences, history, archaeology, philosophy and theology. One day Mark is lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena.In 2016 he launched Mark Anthony the Psychic Explorer Adventure Tours. The first adventure was The Mystical Mayan Cruise aboard the Princess Cruise Line’s ship The Royal Princess. Never Letting Go is recommended by hospices and grief counselors worldwide. This healing and inspirational book is the definitive guide to healing grief with help from the Other Side. This compelling page turner is in three difference languages and is for anyone coping with the loss of a loved one. Mark connects audience members with loved ones in spirit on CBS/KHOU TV Great Day HoustonEvidence of Eternity is a groundbreaking and uplifting journey into the afterlife which the removes fear and superstition surrounding spirit contact. This book is intelligent, entertaining in style and presents the scientific basis and theories concerning life after death, spirit communication (both human and animal), karma, and reincarnation. Evidence of Eternity is one of the few books of its genre to be considered for a Pulitzer Prize. It has been released in six languages and is now available as an audio download. Combining his gifts as a psychic medium with his experience as an attorney, Mark Anthony relates to each client on a personal level. His positive, personable demeanor is an uplifting influence for people coping with the aftermath of a life-threatening, life-changing, or life-ending trauma. Many of his clients have benefited from his insights, and with his guidance, have found the inner strength to turn away from drugs, alcohol, and other self-destructive behaviors.Mark’s life mission is to use his abilities to assist those suffering with grief caused by the loss of a loved one by connecting them with loved ones in spirit to prove the existence of the Afterlife and eternal nature of the soul.

Mel Judson shares her journey dropping out of an Ivy League University and moving to Los Angeles to live in a backyard shed on Venice Beach and become a mural painter.  She explains how she began doing brand-consulting and business strategy development with YouTube influencers and then parlayed her skills and network into a Hollywood studio career, becoming an executive producer before the age of 30.  She then talks about her choice to leave her successful corporate job to start her own business and become a digital nomad. She explains how she replaced her corporate income in the first month of launching her business and quickly scaled it to over 500K/year in revenue.  She explains how she built automated systems for the different parts of her business and gives her the most important tips for web presence, branding, and differentiation in a crowded marketplace. Mel also talks about how female entrepreneurs can incorporate feminine energy into their business and company culture.  She also talks about her 2-year journey as a full-time digital nomad, including the setbacks she had along the way and the lessons she learned. She tells the story of getting into a scooter accident in Bali right before a scheduled Boudoir shoot and the life lessons she took from the experience. She then talks about dating as a nomad and shares how she met her current relationship partner. Mel also talks about what travel means to her and how she chooses her travel destinations and designs her nomadic lifestyle.  FULL SHOW NOTES AVAILABLE AT www.TheMaverickShow.com

An alumnus of Harvard, Stanford and now a Rhodes Scholar, Jamie Beaton seems perfectly placed to advise on how to get into an Ivy League University. But this 24-year-old CEO also recently secured US$20 million in a Series C funding for his company - currently valued at US$245 million. What is key to getting investors on board? How is Crimson using algorithms so its clients exhibit 2-4 times the likelihood of admission to Oxford or Cambridge than the average global applicant?

-The public impeachment hearings are underway- will the democrats gain anything from this? -The Ivy League University's school paper is facing criticism from the student government- wait until you find out why. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tonight on My Alien Life......Mark Anthony the “Psychic Lawyer® and Psychic Explorer (aka Psychic Attorney and Psychic Adventurer),” is a world-renowned fourth generation science based evidential psychic medium who communicates with spirits. He is the author of the critically acclaimed Amazon and spiritual bestsellers Never Letting Go and Evidence of Eternity. Mark’s credentials and experience are unparalleled in the paranormal world. He is an Oxford educated trial attorney licensed to practice before the United States Supreme Court. In England he studied Mediumship at the prestigious Arthur Findlay College for the Advancement of Psychic Science. Dr. Gary Schwartz, Professor of Psychology, Medicine, Neurology, Psychiatry and Surgery at the University of Arizona and Director of the Laboratory for Advances in Consciousness and Health has ranked Mark as one of the top mediums in the United States. Mark Anthony the Psychic Lawyer is the media’s “Go To Guy” when the paranormal and legal system collide.  He is featured regularly on TV and major Radio Shows nationwide. In 2017 he appeared on CBS TV’s Emmy Award Winning Show The Doctors where he performed a reading for a family in a brutal cold case. Information provided during the reading led to the murderer’s arrest in April 2018. Mark is a recurring guest on ABC, CBS, NBC, FOX Television and on major talk radio shows such as Coast to Coast AM, Darkness Radio, and Sirius XM as a psychic medium, paranormal and after death communication expert and legal analyst in high profile cases. He has been featured several publications including The Hollywood Times, The Huffington Post, The New York Post, Publisher’s Weekly, LifeStyle Magazine, Horizon’s Magazine, The Inquisitr, Staten Island Today, OM Times, Elite Man Magazine, Natural Awakenings, Infinity Magazine (Canada) and Spirituality Today (UK). A charismatic, intelligent and humorous accomplished public speaker, Mark headlines at conventions, expos and spiritual organizations such as the Edgar Cayce A.R.E., IANDS (International Association for Near-Death Studies), Afterlife Research Education Institute (AREI), Sedona Spirit Symposium, Vail Symposium and universities including Brown, Columbia, Harvard and Yale. Mark Anthony has the reputation as the “Psychic Indiana Jones.” In addition to his expertise as an attorney, he has an extensive background in science, quantum physics, survival of consciousness and near death experiences, history, archaeology, philosophy and theology. One day Mark is lecturing at an Ivy League University about Quantum Physics and the next off to mystical locations in remote corners of the world to explore Ancient Ruins and Supernatural Phenomena. In 2016 he launched Mark Anthony the Psychic Explorer Adventure Tours. The first adventure was The Mystical Mayan Cruise aboard the Princess Cruise Line’s ship The Royal Princess. Never Letting Go is recommended by hospices and grief counselors worldwide. This healing and inspirational book is the definitive guide to healing grief with help from the Other Side. This compelling page turner is in three difference languages and is for anyone coping with the loss of a loved one. Evidence of Eternity is a groundbreaking and uplifting journey into the afterlife which the removes fear and superstition surrounding spirit contact. This book is intelligent, entertaining in style and presents the scientific basis and theories concerning life after death, spirit communication (both human and animal), karma, and reincarnation. Evidence of Eternity is one of the few books of its genre to be considered for a Pulitzer Prize. It has been released in six languages and is now available as an audio download.   Combining his gifts as a psychic medium with his experience as an attorney, Mark Anthony relates to each client on a personal level. His positive, personable demeanor is an uplifting influence for people coping with the aftermath of a life-threatening, life-changing, or life-ending trauma. Many of his clients have benefited from his insights, and with his guidance, have found the inner strength to turn away from drugs, alcohol, and other self-destructive behaviors. Mark’s life mission is to use his abilities to assist those suffering with grief caused by the loss of a loved one by connecting them with loved ones in spirit to prove the existence of the Afterlife and eternal nature of the soul. Mark Anthony's Website www.EvidenceOfEternity.com   My Alien Life has a website  www.myalienlifepodcast.com and our latest downloads are always at iTunes, Spotify, Stitcher at podbean.com and everywhere else fine podcasts are found…...AND please follow me and like me on Facebook and Twitter... "My Alien Life" is written and produced for broadcast at Studio 254 in the Northern Rocky Mountains..    The music you've heard tonight is produced and created by ELEON. ELEON is changing the face of New Age with what can only be describes as "Epic Chill" on Heart Dance Record's first Electronic release. You can find all ELEON’s work online at HEART DANCE records, Facebook...   Thank YOU for listening to tonight's amazing podcast. I am Cameron Brauer and this is my alien life...!!

Schools damage children. If you want a happy and successful child, then you'll put the odds in your child's favor if you AVOID sending them to school. Both private and public schools are bad, they do not teach positive psychology. Instead, they foster competition among students. They do not teach self-love, instead they punish mistakes and make children feel inadequate.       Schools rob children of their individuality and encourage students to not challenge authority.   Have an opinion that differs from your teachers? Too bad, it's automatically less valuable because you're younger than your teacher.   Schools ruin children. I have no doubt about it. Of course, there are a few students who succeed DESPITE school. They do not succeed because of school. Another reason why schools are bad is that they don't actually teach you valuable skills.   Schools reward memorization. Yet, they don't teach kids life skills such as how to avoid addiction, how to eat healthy, how to take care of themselves, how to love, value and honor themselves and others, etc. There are a lot of reasons why public schools are bad. These include bullying in school (school bullying) and not instilling confidence in our children.   Is college a scam? YES.   I graduated from an Ivy League University yet college is definitely one of the worst values our there. It eats up a lot of time & money yet provides minimum value.   What's the solution? Homeschool! Is homeschooling better? Of course. The United States school system is broken. Homeschooling teaches positive psychology and self-love. There are other reasons why public schools are bad. There is child abuse in schools, school shootings, other abuse in schools and belief that teachers damage children's psychology. Schools damage children. I have no doubt about it.   If you want a healthy child, you'll have to homeschool them. Besides, it's not like schools actually teach anything valuable.   Do they teach you how to do online marketing, or eat good food, or to take care of yourself, or to love yourself or to do your taxes? No... they do not teach skills.   Instead, they teach our children garbage. That's why the schools ruin children.   Remember that schools are bad and that college is a scam!   1) How Schools Ruin the Mental Growth of a Kid | Dr BM Hegde | happy Omyoga RMTV https://www.youtube.com/watch?v=BICEG...   2) Why our kids get screwed in public schools Your Black World https://www.youtube.com/watch?v=gEKTc...   3) Student DESTROYS Feminist Teacher with FACTS Rekt Feminist Videos https://www.youtube.com/watch?v=Xat8o9FYdJc   4) 6 Parenting Mistakes That Might Ruin Child's Health BRIGHT SIDE https://www.youtube.com/watch?v=0UFjplJU8n4   5) Do schools kill creativity? | Sir Ken Robinson TED https://www.youtube.com/watch?v=iG9CE...   _________ By becoming a student of BestStockStrategy, you can maximize your trading profits AND reduce your risk while also saving yourself time and avoiding mistakes.   We provide the absolute best strategy and education so that you can optimize your success and become consistently profitable.   --------- ✔️ Receive $400+ of Free Training by visiting https://BestStockStrategy.com ✔️ Enroll as a Student (Options Trading Education & Real-Time Trade Alerts): https://beststockstrategy.com/members... ✔️ 7 Day Trial of Real-Time Trade Alerts for only $19: https://beststockstrategy.thrivecart.... ✔️ Receive a FREE week of trade alerts by signing up for Tastyworks using my referral code: https://start.tastyworks.com/#/login?...  ✔️ Book a 30-Minute Call: https://beststockstrategy.thrivecart.... ✔️ Discover how to Land a Finance Job: Insider Secrets Revealed: https://LandaFinanceJob.com   ✔️ **NEW** Podcast: Apple Podcasts: https://podcasts.apple.com/us/podcast... Spotify: https://open.spotify.com/show/6J7zlcl... Stitcher: https://www.stitcher.com/podcast/weal... ---------   BestStockStrategy provides the absolute best way to be a profitable trader in the stock market.   You will receive the best financial education, real-time trade alerts and Options Trading education products, You'll learn the best options trading strategy and you'll learn optimal stock market strategies that Tastytrade and Option Alpha don't teach. You can become successful in stock trading and learn how to make money by trading stock options Learn how to invest in the stock market, option market and how to make consistent profits in the financial markets. We teach our students how to become successful and profitable investors and traders. Please subscribe, comment, like & share this video.  

There are a lot of preconceived notions about Ivy league universities and the students that attend them. Some people think that they are the best universities and others speak about the dangers of attending these schools because of how rigorous they are. Here I interview Cynthia Itano and ask her questions about her university, Cornell and herself. We talk about why she choose Cornell and relevant experiences.

Erick Torres-Gonzalez just graduated from Ronald Reagan High School and will be heading to Harvard University next year. Hear what he has to say about public education and his experience with Milwaukee Public Schools.

Erick Torres-Gonzalez just graduated from Ronald Reagan High School and will be heading to Harvard University next year. Hear what he has to say about public education and his experience with Milwaukee Public Schools.

Running a university is one of the toughest jobs there is. Meet Phil Hanlon, Dartmouth College's 18th President, who will explain just what it takes to run an elite university.Is there any job more difficult than being the President of a major university? Not only are you dealing with students and their parents as your core customers, you've also got to manage a group of professors whose tenure makes them remarkably independent of you and anyone else for that matter. As someone who has studied leaders in all sorts of organizations, it was so much fun for me to talk to Dartmouth's President Phil Hanlon. Growing up in a small mining town in upstate New York where hardly anyone went to college, Phil ends up studying mathematics, becoming a professor (yes, a tenured one), and an academic administrator who has now led Dartmouth for almost six years. On the docket: finding great students, enhancing innovation, managing a controversial budget, and improving Dartmouth's culture and social climate.

In this episode of Necessary Blackness Podcast, Rahiem Shabazz explores the relationship between chattel slavery and America’s oldest and elite colleges. We discuss the ownership of slaves by university leaders, slave auctions being held on campus and how slavery was part of the curriculum at many colleges. All of this was done to reinforce their … Continue reading » The post Necessary Blackness Ep; 69 The Historical Ties Between Chattel Slavery & America’s Ivy League University appeared first on Elementary Genocide.

In this episode of Necessary Blackness Podcast, Rahiem Shabazz explores the relationship between chattel slavery and America’s oldest and elite colleges. We discuss the ownership of slaves by university leaders, slave auctions being held on campus and how slavery was part of the curriculum at many colleges. All of this was done to reinforce their … Continue reading The post Necessary Blackness Ep; 69 The Historical Ties Between Chattel Slavery & America’s Ivy League University appeared first on Elementary Genocide.

Though Office 365 is a valuable tool for companies to grow faster and collaborate more effectively, it also presents some risks that aren't always obvious to the user, like accidental deletion, corruption, or malicious intent. Attend this session to explore how you can protect your critical Exchange Online, SharePoint Online, and OneDrive for Business data from accidental deletion, corruption, or malicious intent using NetApp Cloud Control a Software-as-a-service (SaaS) solution leveraging Amazon Simple Storage Service (S3). Learn how an Ivy League University protects 15,000 Office 365 mailboxes with ease using Cloud Control. Infrastructure & Operations (I&O) leaders who are using or evaluating Office 365 can learn about investing in third-party backup and recovery tools for faster, more flexible recovery options, as well as reputation damage control after a malicious attack. This session is suitable for cloud architects, IT infrastructure architects, application administrators, backup administrators, DBAs, and storage administrators. Session sponsored by NetApp

Nobody in this show is smart enough to EVER be considered into an Ivy League University, but we can imagine the high stress levels that these young brainiacs must go through when finally applying to the school of their dreams... And although this listener already submitted her application, it seems that Jubal still has a few more questions that she needs to answer before being considered for admission.

http://www.atlanticcoastufos.com//SHATTERED/David-b-2-20-2015.mp3 On February 20, 2015 Kate Valentine and Fahrusha spoke with David Biedny about the nature of the paranormal. David, author of the very first Photoshop handbook, is a digital imagery expert having participated in the making of the original Photoshop program. He teaches at an Ivy League University and has had a podcast and … Continue reading David Biedny on Shattered Reality #7 → The post David Biedny on Shattered Reality #7 appeared first on Shattered Reality Podcast.

https://atlanticcoastufos.com//SHATTERED/David-b-2-20-2015.mp3 On February 20, 2015 Kate Valentine and Fahrusha spoke with David Biedny about the nature of the paranormal. David, author of the very first Photoshop handbook, is a digital imagery expert having participated in the making of the original Photoshop program. He teaches at an Ivy League University and has had a podcast and … Continue reading David Biedny on Shattered Reality #7 → The post David Biedny on Shattered Reality #7 appeared first on Shattered Reality Podcast.

017 | In Today’s Podcast we cover: Today’s guest: Brandon from MadFientist.com and the origin story of the Mad Fientist How did the Mad Fientist website come about? He first stumbled on the Early Retirement Extreme website He thought there’d be investing strategies to get him to financial independence more quickly, but he realized index funds were the best way to go about it Then he stumbled upon tax optimization and tax avoidance strategies Finding Get Rich Slowly and other personal finance blogs got him interested, but he looked at it through the eyes of an early retiree and realized the standard advice didn’t necessarily apply “Early retirees are such a different breed” and optimizations can be had when looking at the problems differently for FIRE He took a core tax strategy and pivoted it to the best way to optimize for early retirees He uses his audience feedback to help come up with ideas for new posts or as ways to update and augment posts The Roth IRA conversion ladder changed the entire game for him and made him max out as many pre-tax accounts as possible How to get retirement money out earlier than the traditional 59.5 age without a penalty? Building a 5-year conversion ladder with traditional savings to cut your effective tax rate down to almost 0% on your traditional IRA and 401k Brandon’s college choice and how it impacted his financial life with minimal student loan debt Brandon took a software developer’s position at an Ivy League University and worked towards a free Ivy League master’s degree Did Brandon max out his 401k his very first year? What’s the most expensive car Brandon every bought? He leased a Toyota RAV4 but other than that every car he has ever owned is at least 10 years old What financial mistakes has Brandon made or where does he not follow his own advice? Timing the market and sitting with too much cash Take your brain out of your investing decisions once your plan is set What type of investing does Brandon do? All index funds from Vanguard and cash How has Brandon evolved psychologically as he has approached Financial Independence? Reaching your FI number doesn’t by definition make you happier. You have to find your passion in life They actually loosened up their spending for a year to enjoy life as much as possible. Total tally: $35,000 of yearly spending. As compared to their normal $30,000 - $33,000 spending.  An insignificant increase in money spent for such a large increase in satisfaction What is the most surprisingly positive aspect of post-FI life? What does his life look like 5 years from now/what does he want to do with his life? Hot Seat Questions Favorite life hack: Find out what makes you happy Advice to your younger self: Just get started today 

Pete Mockaitis is an award-winning trainer who has served clients in over 50 countries. His work has enhanced Fortune 100 corporations, high-growth startups, and major nonprofits. He’s conducted one-on-one critical thinking coaching sessions for over 700 thinkers from every Ivy League University and numerous world-class organizations such as Apple, Goldman Sachs, Google, McKinsey & Company, and the United Nations. Pete is also the host of the How to be Awesome At Your Job podcast where he grills thought-leaders and results-getters to discover specific, actionable insights that boost work performance. Show Notes: http://yourbestmanager.com/petemockaitis Also Mentioned: 5-Day Leadership Challenge

Kids these days. All they care about is themselves and their Snapchats. Too busy staring at their cellphones to even acknowledge anyone else. I mean, where will the world be headed with this next generation at the helm? Am I right?! Psych! (that’s what the kids say these days) This week’s episodes showcase how off base and misguided statements like that can be. In todays episode I speak with college student, and much smarter than me human being, Flavio Pacheco. Flavio is a true testament to where having your head on straight at a young age, in a country like America, can get you. After being born in America, Flavio spent the rest of his childhood growing up in Brazil. He moved back to America by himself at the ripe age of 17 and started attending junior college with scholarships he attained. Flavio proceeded to learn how to fluently speak English in only 2 years, graduated Summa Cum Laude from said junior college (while trying to learn to speak English), and is now on his way to a full ride scholarship at an Ivy League University. He also locked down an internship as a lab research assistant to ultimately help people with high cholesterol…at a lab that, up until Flavio persisted them into submission, did not allow anyone less than a PhD student to be a lab assistant. Again, all from a guy that didn’t even know how to speak English a couple years ago. Grab some popcorn and prepare to feel bad about yourself, but hopeful for the future.